Asaan Karobar Card 2025: Features, Eligibility, and How to Apply for Interest-Free Business Loans

The Asaan Karobar Card 2025, launched by Punjab’s Chief Minister Maryam Nawaz, is a major step forward for small business owners and startups in the province. The Asaan Karobar Card 2025 offers interest-free loans of up to PKR 1 million to help entrepreneurs and SMEs launch or expand their businesses without the burden of interest.

What is Asaan Karobar Card 2025?

The Asaan Karobar Card 2025 is a flagship program by the Punjab government aimed at boosting entrepreneurship, creating jobs, and driving economic growth. It offers 0% interest loans through a fully digital system that promotes transparent usage of funds through mobile applications and POS (Point-of-Sale) systems.

Key Features of the Asaan Karobar Card 2025

• Loan Limit: Up to PKR 1 million

• Interest Rate: 0% – fully interest-free

• Tenure: 3 years with a 3-month grace period

• Repayment: Revolving credit for the first year, then 24 monthly installments

• Usage: Business expenses including vendor payments, taxes, utilities; limited cash withdrawal allowed (up to 25%)

• Annual Fee: PKR 25,000 + FED (deducted from the loan amount)

This scheme offers entrepreneurs a low-risk financial option to grow their businesses and support Punjab’s local economy.

How the Asaan Karobar Card 2025 Loan Works

The loan is structured to ensure responsible use and repayment:

• First 50% of the approved amount is made available during the initial 6 months.

• The remaining 50% is released upon good usage, timely repayments, and registration with the Punjab Revenue Authority (PRA) or Federal Board of Revenue (FBR).

• A minimum monthly repayment of 5% of the balance is required after the grace period.

• The first year offers a revolving credit facility, letting borrowers reuse repaid amounts.

Who is Eligible for Asaan Karobar Card 2025?

To qualify for the Asaan Karobar Card 2025, applicants must meet the following:

• Age: 21 to 57 years

• Residency: Must be a Pakistani citizen living in Punjab

• Identification: Valid CNIC and mobile number in the applicant’s name

• Business: Must own or plan to start a business in Punjab

• Credit History: No overdue loans or default history

• Tax Compliance: Must register with FBR or PRA within 6 months of loan approval

• Application Limit: Only one application per individual or business

How to Apply Online for Asaan Karobar Card 2025

The application process is fully digital and easy to follow:

1. Visit: Go to https://akc.punjab.gov.pk/userProfile/new

2. Create an Account: Enter your CNIC and registered mobile number, then verify via OTP

3. Fill Out the Form: Provide your personal, business, and loan-related details

4. Upload Documents: CNIC, photo, utility bill or rent agreement, and bank/business documents

5. Pay Fee: Submit a PKR 500 non-refundable processing fee via PSID

6. Take the Psychometric Test: A short mandatory assessment (guide available on YouTube)

7. Submit the Application: Save and submit your application; you’ll receive an SMS confirmation

Tracking Your Asaan Karobar Card 2025 Application

You can check the status of your application at any time:

• Log in to your dashboard at akc.punjab.gov.pk

• Review progress and resolve any verification issues (like address or filer status)

• For help, call the Punjab helpline at 1786

Benefits of Asaan Karobar Card 2025

This initiative brings clear advantages for small businesses:

• No Interest: All loans are 100% interest-free

• Digital Payments: Seamless payments to vendors and service providers

• Flexible Repayments: Revolving credit with a grace period to ease cash flow

• Boost to Local Economy: Encourages entrepreneurship and job creation in Punjab

Additional Option: Asaan Karobar Finance Scheme 2025

For larger businesses, the Asaan Karobar Finance Scheme 2025 provides:

• Loan Amounts: PKR 1 million to PKR 30 million

• Interest: Still 0%

• Repayment Term: Up to 5 years

• Eligibility: Must be an active tax filer with annual sales up to PKR 800 million

• Apply Online: https://akf.punjab.gov.pk/userProfile/new

Important Notes for Applicants

• Loan Usage: Strictly for business purposes

• ATM Card Delivery: May take up to 20 days

• Tax Registration: PRA/FBR registration is mandatory within 6 months

• Current Status: Registrations are temporarily paused as of April 2025 – check the portal for updates

The Asaan Karobar Card 2025 is a powerful opportunity for small entrepreneurs in Punjab to get interest-free financial support. Whether you’re launching a new business or scaling an existing one, this initiative removes financial barriers and promotes sustainable growth.

Keep an eye on the official portal https://akc.punjab.gov.pk for updates on when registration reopens — and prepare your documents in advance to secure your chance at a brighter business future.

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