The Asaan Karobar Scheme 2026 is a major welfare and economic empowerment initiative launched by the Government of Punjab to support small entrepreneurs, startups, and self-employed individuals. Under this scheme, eligible applicants can receive interest-free business loans of up to PKR 1 million through a digital SME card, known as the Asaan Karobar Card.
With a fully online application system, digital verification, and transparent loan monitoring, the scheme aims to promote financial inclusion, sustainable business growth, and job creation across Punjab.
What Is Asaan Karobar Scheme 2026?
The Asaan Karobar Scheme is designed to help small traders, shop owners, freelancers, and micro-entrepreneurs who lack access to traditional bank financing. Instead of cash disbursement, funds are provided via a digital card, ensuring that the loan is used strictly for business purposes.
Key Highlights
- Interest-free loan up to PKR 1,000,000
- Online apply & real-time status tracking
- Support for new & existing businesses
- Transparent and paper-less system
Asaan Karobar Scheme 2026 Loan Structure
Loan Utilization
- First 50% of loan limit: Available within the first 6 months
Remaining 50%: Released after:
- Proper usage of initial funds
- Regular repayments
- Registration with PRA or FBR
- Repayment Plan
- Grace period provided
Minimum monthly installment:
👉 5% of outstanding principal
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Eligibility Criteria – Asaan Karobar Scheme 2026
Applicants must fulfill the following conditions:
- Resident of Punjab
- Pakistani citizen
- Age between 21 and 57 years
- Valid CNIC
- Active mobile number registered in applicant’s name
- Existing or proposed business in Punjab
- No overdue bank loans
- Successful credit & psychometric assessment
- Only one application per person or business
Asaan Karobar Scheme 2026 Online Apply – Step-by-Step
- Visit the official portal https://akc.punjab.gov.pk/cmpunjabfinance
- Create an account using CNIC & mobile number
- Complete the online application form
- Submit business details and required information
- Wait for digital verification & assessment
Asaan Karobar Card Login & Loan Status Check
After submitting the application, applicants can:
- Login to the Asaan Karobar Card portal
- Check approval, verification, or rejection status
- Track loan utilization
- Monitor repayments and card limits
Asaan Karobar Loan Charges & Fees
| Fee Type | Details |
|---|---|
| Annual Card Fee | PKR 25,000 + FED (deducted from approved limit) |
| Life Insurance | Included |
| Card Issuance & Delivery | Free |
| Late Payment Charges | As per bank policy |
Loan Security & Verification Process
- Digital personal guarantee
- Life assurance coverage
- Physical verification of business premises by Urban Unit:
- Within 6 months of approval
- Annually thereafter
