Imdad Portal

CM Punjab Asaan Karobar Card

Interest-free SME loan up to PKR 1 million via a digital card for Punjab small-business owners. Apply at akc.punjab.gov.pk.

Closed Government of Punjab Punjab Verified Guide

اہم معلومات (آسان اردو میں)

موجودہ صورت حالSTATUS
اس وقت بند — رجسٹریشن روک دی گئی
یہ سہولت/فوائد کیا ہے؟BENEFIT
  • 10 لاکھ روپے تک بغیر سود قرضہ
  • کاروبار کے لیے ڈیجیٹل SME کارڌ
  • 3 سال میں آسان اقساط پر واپسی
  • کم فیس کے ساتھ قرض کی سہولت
اہلیت کا معیارELIGIBILITY
  • پنجاب کا رہائشی ہو
  • عمر 21 سے 57 سال ہو
  • شناختی کارڌ موجود ہو
  • چھوٹا کاروبار چلا رہا ہو یا شروع کرنا چاہتا ہو
  • ٹیکس فائلر ہو
ضروری دستاویزاتDOCUMENTS
  • شناختی کارڌ
  • رجسٹرڌ موبائل نمبر
  • ٹیکس فائلر کا ثبوت
  • کاروبار کی معلومات
  • دو حوالہ جات
درخواست کا طریقہHOW TO APPLY
  1. پہلے ٹیکس فائلر بنیں (اگر نہیں ہیں)۔
  2. سرکاری پورٹل پر رجسٹر کریں۔
  3. موبائل OTP سے تصدیق کریں۔
  4. کاروبار کی معلومات درج کریں۔
  5. کاغذات اپ لوڈ کر کے درخواست جمع کریں۔

Scheme Overview

اسکیم کا جائزہ

Why the Asaan Karobar Card Matters

The CM Punjab Asaan Karobar Card gives small-business owners an interest-free loan on a digital card, so they can grow without heavy bank markup.

  • 0 percent markup interest-free financing
  • Digital SME card for POS and mobile payments
  • Backed by the Punjab government and Bank of Punjab

Key Benefits

  • Interest-free loan up to PKR 1,000,000
  • 3-year financing with a nominal PKR 500 fee
  • Fully digital application and tracking

Good to Know

  • You must be an active FBR tax filer.
  • Apply only at akc.punjab.gov.pk.
  • Larger loans of 1M to 30M use Asaan Karobar Finance.

What this scheme offers

The Asaan Karobar Card gives eligible Punjab small-business owners an interest-free digital SME card (reported up to about Rs 1 million) to pay suppliers and cover business expenses through POS or a mobile app. Funds are restricted to genuine business use, and cardholders are required to register with PRA/FBR within a set period.

Who it is really for

Small shopkeepers, traders and micro-business owners in Punjab who need working capital but struggle to get a conventional bank loan. It is not for personal spending.

How to apply safely

Apply only on the official portal akc.punjab.gov.pk. The processing fee is small (reported around Rs 500). No agent can “approve” your card faster, and no one can guarantee issuance for a payment.

Important: Being eligible (or winning a ballot) does not by itself guarantee the loan, plot or asset — the bank or authority still does final verification. No one can “guarantee” selection for money. Government applications are free.
Official source: CM Punjab Asaan Karobar Card — akc.punjab.gov.pk
Last verified: . The scheme runs in phases — check the portal for the current registration window. Amounts, phases and deadlines are set by the Government of Punjab and change periodically — confirm current details on the official portal.
Related programs: Asaan Karobar Finance · PM Youth Business Loan
اہم معلومات (آسان اردو میں)

آسان کاروبار کارڈ پنجاب کے چھوٹے کاروباریوں کے لیے بلا سود ڈیجیٹل SME کارڈ ہے (رپورٹ کے مطابق تقریباً 10 لاکھ تک)۔ صرف akc.punjab.gov.pk سے درخواست؛ کوئی گیرنٹی دینے والے سے بچیں۔

Benefits

فوائد
Interest-free (0 percent markup) loan up to PKR 1,000,000Digital SME card for POS and mobile payments3-year financing with a nominal PKR 500 processing fee

Eligibility Criteria

اہلیت کا معیار
Punjab resident with valid CNIC, aged 21 to 57
Active tax filer (FBR or PRA)
Running or starting a small business
CNIC-registered mobile number

Required Documents

ضروری دستاویزات
CNIC (front and back)
Mobile number registered to the CNIC
Proof of being a tax filer (NTN)
Two non-relative references with CNIC and phone
Business details or proof

How to Apply — Step by Step

درخواست کا طریقہ
1

Become an active FBR tax filer if you are not already.

2

Register at the official portal akc.punjab.gov.pk with your CNIC and mobile number.

3

Create your profile and verify with the OTP.

4

Fill in the business details and the required loan limit.

5

Upload documents and submit, then track your status with the reference number.

Important Notices اہم ہدایات

  • Registration is currently CLOSED — new applications open in phases; watch akc.punjab.gov.pk for the next window.
  • Apply only via akc.punjab.gov.pk, avoid agents.
  • Being a tax filer is mandatory.
  • Loans of 1M to 30M are handled under Asaan Karobar Finance (akf.punjab.gov.pk).

Frequently Asked Questions

اکثر پوچھے جانے والے سوالات
Up to PKR 1,000,000 interest-free on the Asaan Karobar Card; larger amounts use Asaan Karobar Finance.
Yes, being an active FBR tax filer is mandatory.
Only at the official portal akc.punjab.gov.pk.
It is described as a 0% markup SME card. Confirm the current limit, processing fee and terms on the official portal akc.punjab.gov.pk.