Imdad Portal

CM Punjab Asaan Karobar Finance Scheme

Interest-free (Shariah-compliant) SME loan (tiered; confirm current ceiling on the portal) for Punjab businesses. Apply at akf.punjab.gov.pk.

Active Government of Punjab Punjab Verified Guide

اہم معلومات (آسان اردو میں)

موجودہ صورت حالSTATUS
فعال — آن لائن درخواستیں کھلی ہیں
یہ سہولت/فوائد کیا ہے؟BENEFIT
  • 10 لاکھ سے 3 کروڑ روپے تک بغیر سود قرضہ
  • نیا کاروبار شروع کرنے یا کاروبار بڑھانے کے لیے رقم
  • کاروباری خرچ کے لیے ڈیجیٹل SME کارڌ
  • قرض واپس کرنے کے لیے 5 سال تک کا وقت
  • کاروباری پلان بنانے میں مدد
اہلیت کا معیارELIGIBILITY
  • پنجاب میں کاروبار کرنے والا شخص
  • عمر 25 سے 55 سال ہو
  • شناختی کارڌ موجود ہو
  • ٹیکس فائلر اور NTN موجود ہو
  • بینک کا نادہندہ نہ ہو
  • کاروباری جگہ موجود ہو
ضروری دستاویزاتDOCUMENTS
  • شناختی کارڌ
  • NTN
  • کاروباری پلان
  • کاروبار کی جگہ کا ثبوت
  • دو حوالہ جات
  • موبائل نمبر جو شناختی کارڌ پر ہو
درخواست کا طریقہHOW TO APPLY
  1. سرکاری آسان کاروبار پورٹل پر جائیں۔
  2. شناختی کارڌ سے اکاونٹ بنائیں۔
  3. اپنی معلومات اور کاروبار کی تفصیل دیں۔
  4. ضروری کاغذات اپ لوڈ کریں۔
  5. قرض کی قسم منتخب کریں۔
  6. درخواست جمع کریں۔
  7. منزوری کے بعد قرضہ مل جائے گا۔

Scheme Overview

اسکیم کا جائزہ

Why CM Punjab Asaan Karobar Finance Scheme Matters

Yeh scheme Punjab ke small aur medium entrepreneurs ko 0% markup par financing deti hai — jis ka markup khud Government of Punjab Bank of Punjab ko subsidize karti hai. Maqsad employment generation, exports aur economic development ko boost karna hai.

  • 0% markup financing for the borrower, up to Rs. 30 million
  • New business setup, expansion, BMR, working capital aur commercial logistics lease ke liye
  • All sectors eligible including Agri-SMEs

Key Benefits

  • Tier-1: Rs. 1-5 million, clean loan with personal guarantee
  • Tier-2: Rs. 5-30 million, secured loan
  • Grace period: 6 months (new business) ya 3 months (existing business)
  • 5 saal tak equal monthly installments mein repayment

Good to Know

  • Tier-2 mein equity share zaroori hai: 80:20 general applicants, 90:10 women/transgender/differently-abled persons.
  • Processing fee non-refundable hai: Tier-1 Rs. 5,000, Tier-2 Rs. 10,000.
  • Target: 4,000 SMEs ko Rs. 36 billion lending, Rs. 9 billion subsidy budget ke zariye.

What this scheme offers

Asaan Karobar Finance offers interest-free (government-subsidised markup) financing to growing Punjab SMEs — larger amounts than the Asaan Karobar Card — for machinery, business expansion and working capital, through the Bank of Punjab. The exact ceiling and tier structure are set on the official portal.

Who it is really for

Established small and medium businesses in Punjab that are ready to expand and need more funding than the Card provides.

How to apply safely

Apply only on the official portal akf.punjab.gov.pk. A Bank of Punjab relationship manager verifies your business — being eligible does not guarantee approval, and no agent can push it through.

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 Finance — akf.punjab.gov.pk
Last verified: . Loan tiers, ceiling and current window are set on the official portal — confirm before applying. 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 Card · High-Tech Agriculture Loan
اہم معلومات (آسان اردو میں)

آسان کاروبار فائنانس بڑھتے ہوئے SME کاروبار کے لیے بلا سود فائنانس ہے (کارڈ سے زیادہ رقم)۔ تازہ حد/ٹئیرز akf.punjab.gov.pk سے تصدیق کریں۔

Benefits

فوائد
Interest-free (0% markup) loan for growing SMEs (amount by tier; confirm the current ceiling on the official portal)Funding for new business setup, expansion, BMR (balancing, modernization & replacement), and working capitalAsaan Karobar Card option: up to PKR 1 million for daily business expenses via digital SME cardRepayment tenure of up to 5 yearsReady-to-use business plans and feasibility studies provided to guide applicants

Eligibility Criteria

اہلیت کا معیار
Age between 25 and 55 years on the date of loan application
Must have a clean credit history (ECIB) with no defaults
Must have a valid CNIC as per NADRA record (not expired)
Must be a registered and active tax filer with FBR, holding a valid NTN
Business must be located in Punjab
Must own or have rented the business premises (for Working Capital, Expansion, and BMR loans)
Mobile number must be registered under applicant's own CNIC

Required Documents

ضروری دستاویزات
Valid CNIC (NADRA verified, not expired)
Valid NTN (active FBR tax filer status)
Detailed business plan
Proof of business premises (rent agreement / transfer letter / registry)
Names, CNIC copies and mobile numbers of two references (not blood relatives)
Mobile number registered under applicant's own CNIC
Application processing fee (non-refundable)

How to Apply — Step by Step

درخواست کا طریقہ
1

NADRA par CNIC ki validity verify karein (nadra.gov.pk)

2

Official BOP / PSIC Asaan Karobar portal par visit karein aur register karein

3

CNIC number aur password se apna account banayein, residential aur permanent address details darj karein

4

Personal information, business plan aur income/expense details fill karein

5

Required documents upload karein (CNIC, NTN, business proof, references)

6

Tier select karein: Tier 1 (Rs. 1-5 million, Rs. 5,000 fee) ya Tier 2 (Rs. 5-30 million, Rs. 10,000 fee)

7

Application fee submit karein aur form final submit karein

8

Verification, credit check aur business evaluation ka intezar karein — shortlisted candidates ka interview aur site visit hoga

9

Updates SMS ke zariye milte rahenge

Important Notices اہم ہدایات

  • Yeh scheme sirf Punjab mein business location wale applicants ke liye hai
  • Application ke baad verification, credit check aur business evaluation hota hai — sirf form submit karna approval guarantee nahi karta
  • Processing fee non-refundable hai: Karobar Card Rs. 500, Tier 1 loan Rs. 5,000, Tier 2 loan Rs. 10,000
  • Apply karne se pehle official portal par hi register karein, kisi agent ko paisay na dein

Frequently Asked Questions

اکثر پوچھے جانے والے سوالات
Yeh Punjab government ki interest-free loan scheme hai jo SMEs ko naya business shuru karne ya expand karne ke liye 0% markup par financing deti hai, jis ka markup Bank of Punjab ko government subsidize karti hai.
Tier-1: Rs. 1-5 million, clean loan with personal guarantee, processing fee Rs. 5,000. Tier-2: Rs. 5-30 million, secured loan with equity share (80:20 ya 90:10), processing fee Rs. 10,000.
Naye business (Green Field) ke liye 6 months aur existing business (Brown Field) ke liye 3 months grace period hai, jis ke baad equal monthly installments shuru hoti hain.
Age 25-55 saal, valid CNIC aur NTN, clean credit history, aur business premises ka ownership ya rent agreement (Working Capital, Expansion, BMR loans ke liye).
Official PSIC ya Bank of Punjab Asaan Karobar portal se CNIC ke through register karke apply karein.
It provides tiered SME financing larger than the Card. Sources differ on the exact ceiling, so confirm the current limit and tiers on the official portal akf.punjab.gov.pk.