Asaan Karobar Finance Scheme 2026 | CM Punjab Schemes 2026 Registration Full List, Eligibility & Online Apply Guide

To make significant progress in Punjab and overcome its current economic challenges, the Punjab Government has launched the Asaan Karobar Card Scheme 2026. It will immediately boost entrepreneurship and help the most underprivileged people who cannot manage their businesses. This revolutionary initiative offersinterest-free loans of up to Rs. 30 million in Punjab to individuals seeking to upgrade their small businesses, start a local business, or enable entrepreneurs to achieve growth and stability in their ventures.

The Asaan Karobar Finance Scheme (AKFS) 2026 is a newly launched visionary scheme by the Government of Punjab, Pakistan, to support financially underprivileged individuals. It aims to empower entrepreneurs to boost their businesses, thereby strengthening the economic condition of Punjab province and Pakistan.

The Rs. 30 million interest-free loan scheme, which provides nearly 3 crore, offers small businesses an opportunity to expand without incurring heavy interest rates.

This program, initiated by the Punjab Government, primarily focuses on agriculture, boosts the small and medium-sized entrepreneurs’ industry, promotes business innovation, and provides job opportunities across Punjab. It will make a measurable difference in economic conditions and will enable us to enhance exports.

Punjab Government’s New Scheme to Support Start-ups and Small Businesses: 

The Punjab Government has launched a significant initiative to strengthen the economy and provide people with more opportunities to start up businesses. Chief Minister of Punjab Maryam Nawaz Sharif opens doors for innovation, youth empowerment programs, and business schemes in the region.

The CM of Punjab strictly instructed to provide immediate business plans and interest-free loans up to Rs. 30 million to give financial support to the people of Punjab. The Punjab ministry also provides suggestions to achieve sustainable economic growth, offering professional guidance for business plans to achieve long-term success.

Moreover, Maryam Nawaz Sharif initiated the Asaan Karobar Card. This scheme is specifically designed for small entrepreneurs and those looking to plan their new business. They can get up to 1 million interest-free loans from the Maryam Nawaz Loan Scheme. This Asan Karobar card will help people of Punjab to manage their business expenses and strengthen their financial stability. CmPunjab.pk will help you learn how to log in to the Asaan Karobar Card and how you can apply to this initiative.

The Asan Karobar Finance Scheme is a landmark initiative to support the people of Punjab, a new and powerful move by Chief Minister Maryam Nawaz Sharif. This will help poor people who want to start a business but, due to financial instability, cannot do so. This will economically grow the Punjab province. Through interest-free loans and the encouragement of starting new businesses, the nation feels proud and can obtain long-term financial support from the government.

The Following Are The key Objectives Of The Asaan Karobar Finance Scheme:

Asaan Karobar Financial Scheme 2026 provides financing and non-financial support to startups and small businesses. It offers numerous benefits to enhance the economy of Punjab. This initiative by the Punjab government is a crucial tool for achieving sustainable business success. The following are the most important benefits of this scheme.

Additional Incentives: 

1. Interest-Free Loan up to Rs. 30 Million (3 Crore): The most significant aspect of this scheme is the provision of interest-free loans of up to Rs. 30 million to the people of Punjab. This program will sustain success in the province. The CM of Punjab assures the people that they will make it an economically strong hub.
2. . Rs. 5 Million Capital Subsidy for Solar Equipment & Production Technologies: This visionary scheme helps promote sustainable business practices in South Punjab. CM Punjab will also provide a capital subsidy of Rs 5 million to invest in solar power systems and cleaner production technologies.
3. Non-Financial Advisory Services for Small Industrial Estates: The Asan Karobar Finance Scheme also provides support in advising and planning small businesses in Punjab. The experts advise new entrepreneurs on how to start a startup and plan for infrastructure development, marketing strategies, and resource management.
4. Long-Term Leases to Reduce Land Acquisition Costs: Acquiring land for business use can be very costly in commercial areas. This scheme offers long-term leases of up to 30 years, allowing entrepreneurs to easily start their new businesses on newly available commercial land and establish their operations.

TheAsan Karobar Finance Scheme 2026 is provided by the Government of Punjab, Maryam Nawaz Sharif, who established it to support businesses in the region.

The Scheme is divided into two Tiers.

• Tier-1: Unsecured Loan up to Rs 30 million
• Tier-2: Secured Loan starts from Rs 5 million to Rs 30 million.

Both financing Tiers enable a businessman to start a small business as well as a large business without paying interest on a loan. This is how entrepreneurs can make access to their business without any hindrance.

Tier-1: Unsecured Loan up to Rs. 5 Million:

Tier-2: Secured Loan from Rs. 5 Million to Rs. 30 Million:

Under the Tier-2 category, the applicant can obtain a secured loan ranging from Rs 5 million to Rs 30 million. In a secured loan, applicants must provide collateral, such as land, property, or other assets, as security.

• It will help to start a large business.
• Entrepreneurs can make expanded business plans in Punjab.
• This category helps businesses to produce a large number of Jobs and create competition in the broader market.

Application Eligibility Requirements: 

Applicants must fulfill the following criteria before applying to the Asan Karobar Finance Scheme 2025. Applicants must fulfill the following criteria before applying to the Asan Karobar Finance Scheme 2026.

1. Valid CNIC and NTN Registration: A Valid Computerized National Identity Card (CNIC) and NTN registration must be present for the application. The applicant must be registered with a national tax number ( NTN).
2. Age Requirement (25–55 Years): The applicant’s age must be between 25 and 55 years to be eligible for this scheme. It means the Scheme is targeting the younger generation to take part in business without any barriers.
3. Active Tax Filer Status: This means the applicant must be a Filer and is paying regular taxes in Pakistan’s economy. Non-flexible individuals are not eligible to participate in this initiative.
4. Clean Credit History: A clear and clean financial record is necessary before applying to the Asan Karobar Finance Scheme.
5. Business Location in Punjab: The location must be in Punjab for the business, ensuring that Punjab’s economy remains strong and stable.
6. Submission of Supporting Documents: Documents are needed in both Tier-1 and Tier-2 categories.

Additional Documents Needed For Asan Karobar Finance Scheme:

1.  Business Registration Certificate
2. Feasibility Report or Business Plan
3. Bank Statement (Last 6–12 Months)
4. Proof of Business Location in Punjab.
5. Tax Return Documents
6. Collateral Documents (For Tier-2 Loans)
7. Partnership/Shareholder Documents (If Applicable)
8. Utility bills, NOC from relevant authorities, or supplier agreements.

The Asan Karobar Finance Scheme, launched by Chief Minister Maryam Nawaz Sharif, has been divided into two flexible loan Tiers. Both financing Tiers are important for start-up business planners and already existing entrepreneurs. The following are the important details about interest-free loans.

Tier-1 (T1): Unsecured Loan – Up to Rs. 5 Million: 

• Minimum loan amount is Rs . 1 million
• The maximum loan amount is Rs 5 million
• Security: Provided personal details and a guarantee. There is no need for any external security.
• Loan Tenure: The loan tenure is up to 5 years, and repayment is flexible.
• Interest-free loans : 0% interest Rate.
• Processing Fee: Rs. .5,000 Only.

Tier-1 is an unsecured, interest-free loan category designed for entrepreneurs who want to start their business in the Punjab region. It will encourage Young Entrepreneurs to take part in business without facing financial difficulties.

Tier-2 (T2): Secured Loan  Rs. 6 Million to Rs. 30 Million

• Minimum loan amount is Rs 6 Million.
• The maximum loan amount is Rs. 30 million.
• Security: Collateral Requirements, Such as property, land, or other financial securities.
• Repayment Period: Up to 5 years. A customized repayment plan is also available in the tier-2 scheme category.
• Interest Rate: 0% for all applicants.
• Applying Fee: Rs. 10,000.

Tier-2 is a beneficial scheme category for established businesses. It will help entrepreneurs expand their businesses internationally without incurring interest on the loan. It enables them to potentially grow their businesses and contribute to making Punjab’s economy strong and stable.

Enjoy Up to 6 Months Grace Period Before Repayments Begin!

For Tier-1: New start-ups will start repaying after 6 months of holidays.

For Tier 2: Established businesses will be provided with up to a 3-month grace period.

Equity Contribution Requirements:

• 0% Equity Contribution: This scheme offers a 0% Equity Contribution for most businesses, except for leased vehicles.
• 25% Equity Contribution: This equity contribution is for commercial vehicles.
• 20% Equity Contribution: This is only valid in Tier-2 loan schemes.
• 10% Low Equity Contribution: This reduced Equity Contribution is specifically designed for women entrepreneurs, enabling them to participate in business ownership. To make the Scheme more progressive and leading, this low Equity Contribution is also available for transgender persons and other differently-abled persons in the Punjab.

Additional Costs & Incentives:

Handling Fee :

• At the time of obtaining a loan, the handling fee is Rs 0, meaning there is no handling fee.
• A 3% annual charge will be applied to established businesses.
• There will be no charges for Tier-2 business plans, especially for climate-friendly businesses.

Other Expenses:

• Insurance charges
• Legal Charges
• Registration Charges

Repayment Terms & Late Charges:

The scheme demands a transparent and unbiased repayment method.

1. Repayment Method: After approval of your loan terms and conditions, repayment details will be provided according to your loan. It depends on how much loan you have got.
2. Late Payment Charges: PKR 1 per 1000/day will be charged in the event of late repayment of the loan.

This is how the Government of Punjab is striving to boost business, create job opportunities, and foster sustainable ventures in the province by empowering over 100,000 businessmen.

Asaan Karobar Finance Scheme 2026 Online Apply: 

The Punjab Government’s Asaan Karobar Finance Scheme application method is very easy. Here is a step-by-step explanation and details on how to apply this in the online scheme.

Step 01: Start the Application

• Click the Apply Button: First, visit the Asaan Karobar Finance Scheme portal. Then, click on the Apply button on the official website to see the application form.
• Read the Instructions Carefully: You will find the instructions page, where all necessary information will be provided, including loan Tiers, eligibility criteria, document requirements, and the application process.
• Acknowledge and Proceed: After understanding the process and instructions, click the “ acknowledge and proceed” button to continue the application.

Note: Before proceeding, please have your necessary documents, such as your CNIC, NTN, and basic business details, ready.

Step 02: Profile Information

Enter Personal Details:

Enter the following details to create your profile in Cm Punjab Asan Karobar Finance Scheme 2025.

• Applicant’s Full Name according to his/ her CNIC.
• Father’s or husband’s name
• National Identity Card ( CNIC )  number.
• Email Address
• Date of Birth
• Age ( 25- 55 years )
• Gender ( Male, Female, or Transgender )
• Any Disability ( CNIC Proof )

Enter Contact Details:

• An Active Mobile number that should be registered on the applicant’s CNIC. Otherwise, applications will not be accepted.
• Permanent Address
• Residential Address

Additional Information:

• NTN Number, which is mandatory to ensure that the applicant is an active tax filer.
• Political Association
• Then create a strong password and do not share it with anyone.

Complete Registration:

After filling in all the information, register your account. Note that all information provided on this page should be accurate. It will not change after clicking on the register button. After reviewing the information provided on the page, click on the “Register” button.

Log in to your Account: You can now log in to your account to proceed with the further application process.

Step 03: Loan Details

• In this step, the applicant must select the tier to which they wish to apply.
• Business Establishment Date: Here, the applicant will choose whether they want to start a new business or already have an existing one. He must provide existing business details and the date of establishment.
• Select Loan Tie
• Tier-1: Select Tier-1 to get a loan up to Rs 5 million, which is unsecured.
• Tier-2: If you require a larger loan, select the Tier-2 loan category, which is secured (Rs. 6 million to Rs. 30 million).
• Loan Requirements:
• Enter loan amount ( exact figure)
• Enter repayment plan Tenure, which is a maximum of 5 years.
• The purpose of the loan can be smaller or larger.
• Credit History: Here, you must provide your credit history, including previous loan details and other relevant financial information.
• Save & Proceed: Click the “Save” button to proceed to the next step.

Step 04: Business Details

Build your business profile here and put all information about your current business.

• Enter Business Information:
• Business name or company name.
• Business Contact number
• Email Address
• Number of employees
• Business exact location
• Select a sector, such as agriculture, retail, manufacturing, or the IT field.
• Save and Proceed: Click on the Save button as previously done.

Step 05: Financial Details

Here, the applicant will explain business details and Financial structure.

• Purpose of Business: Explain which criteria your business provides in the region, service-based business, or manufacturing business.
• Nature of Business: Explain whether your business is between partners or a company.
• Business Status:
• New start-up business
• Existing/Operational business
• Financial Data :
• Annual Business Sale and Purchase
• Expenses of the business
• Net profit
• Experience
• Purpose of facilities in business

Note: Use realistic figures in this section. It is advisable to prepare a feasibility report before completing this portion of the Asan Karobar Finance Scheme.

Step 06: References

To verify your identity, you must provide references and business credibility.

In this section. Choose relevant and professional people for reference.

Enter Reference Details:

• Full Name  ( According to CNIC)
• CNIC Number
• Contact Number
• Relationship with Applicant
• Address Details

Save and Next: Save the provided information and proceed to the next step.

Step 07: Documentation

As already discussed, you must prepare all necessary documents before undergoing the procedure. Upload clear documents that can be scanned easily in PDF. Upload all necessary documents in this section.

Upload Documents

Upload the following important documents in this portion.

• CNIC copy of the applicant
• NTN certificate
• Proof of business, like a registration certificate, rent agreement, or ownership documents
• Bank statement for at least the last 6 months, if applicable
• Feasibility or business plan
• Collateral documents (for Tier-2 Only)

Review & Submit:

Review the uploaded documents, and then click the Submit button.

Application Confirmation:

The applicant will receive a confirmation email or message at the email address or phone number provided.

Final Thougts

The Asan Karobar Card and Finance Scheme is designed to empower small business owners and budding entrepreneurs in Pakistan by providing easy access to government-backed financial support. Eligible Pakistani citizens with a valid CNIC can conveniently apply online or through banks, ensuring a fast and transparent process. The scheme offers flexible loans, typically ranging from PKR 50,000 to 500,000, with easy installment repayment plans.

FAQs (Frequently Asked Questions)