The CM Punjab Asaan Karobar Finance Scheme 2025 is a digital initiative to support small and medium-sized entrepreneurs in Punjab. This scheme aims to empower businesses by providing access to loans up to PKR 1 million through a convenient SME card. The scheme leverages digital channels like Mobile App and POS systems to ensure transparent and efficient fund utilization.
The scheme offers several key features, including a loan limit of up to PKR 1 million with a flexible repayment period of 3 years. It provides a revolving credit facility for 12 months, allowing businesses to access funds repeatedly. The scheme also includes a grace period of 3 months from card issuance, giving borrowers time to establish their businesses before commencing repayments.
Eligibility Criteria
To be eligible for the scheme, applicants must be entrepreneurs residing in Punjab between the ages of 21 and 57. They must possess a valid CNIC and have a registered mobile number. The scheme prioritizes businesses within Punjab and considers factors such as creditworthiness and business viability. Applicants must maintain a clean credit history with no outstanding loans.
How to Apply?
The application process is digital and can be completed through the designated PITB portal. A non-refundable processing fee of PKR 500 is applicable. The authorities conduct thorough digital verification of CNIC, creditworthiness, and business premises to ensure eligibility.
The scheme provides a phased release of funds. The first 50% of the limit is available for use within the initial 6 months. After a 3-month grace period, borrowers are required to make monthly repayments, starting with a minimum of 5% of the outstanding loan balance. The remaining 50% of the limit is released upon satisfactory usage, regular repayments, and registration with relevant authorities like PRA/FBR.
Charges / Fees
An annual card fee of PKR 25,000 is applicable, along with other charges such as life assurance and card issuance. Late payment charges will be levied as per the bank’s policy.
Security Details
The scheme requires a personal guarantee digitally signed by the borrower. Life assurance is included in the portfolio. The Urban Unit conducts regular physical verification of business premises to ensure compliance.
CM Punjab Asaan Karobar Finance Scheme Details | |
Who can Apply For the Asaan Karobar Finance Scheme | Small and Medium enterprises |
Asaan Karobar Finance Card Loan Amount | interest-free loans of up to 30 million rupees |
special helpline | 1786 |
website | akf.punjab.gov.pk |
Funds must be utilized for legitimate business purposes. Non-business-related transactions are strictly prohibited. Registration with authorities like PRA/FBR is mandatory within six months of card issuance.
The scheme provides additional support to applicants, including access to feasibility studies available on the PSIC and BOP websites.
Asaan karobar finance scheme 2025 online apply
The CM Punjab Asaan Karobar Finance Scheme 2025 can be applied online through the designated portal www.akf.punjab.gov.pk. This scheme aims to facilitate easy access to finance for entrepreneurs in Punjab.

Fahad Munir is a seasoned journalist and editor at Awam PK, specializing in sharing accurate and timely news, job updates, and educational information to the Pakistani audience.