The Punjab Government has rolled out a powerful initiative for small businesses and budding entrepreneurs — the Asaan Karobar Card 2025. This innovative program offers interest-free loans of up to PKR 1 million, aiming to uplift SMEs (Small and Medium Enterprises) across the province.
In this guide, you’ll learn how to apply online, eligibility criteria, required documents, loan repayment structure, and how to check your application status — all in simple language.
🧾 What Is the Asaan Karobar Card?
The Asaan Karobar Card is a revolving credit facility launched under the leadership of the CM Punjab to empower:
- ✅ Young entrepreneurs
- ✅ Startup founders
- ✅ Small business owners
With an emphasis on transparency and digital access, the scheme is powered by mobile applications and POS systems, ensuring convenience and traceability in financial transactions.
Also Read: BISP 8171 Payment May 2025: Rs. 13,500 Online Check and SMS Guide
📊 Quick Overview of Scheme Features
Here’s a snapshot of the key features of the Asaan Karobar Card:
| Feature | Details |
|---|---|
| Maximum Loan Amount | PKR 1,000,000 |
| Interest Rate | 0% (Interest-Free) |
| Loan Tenure | 3 Years |
| Grace Period | 3 Months |
| Application Mode | Online via akc.punjab.gov.pk |
| Eligible Businesses | Startups, SMEs, and individual vendors |
📝 Step-by-Step Guide: How to Apply Online
✅ Step 1: Visit the Official Portal
Head over to akc.punjab.gov.pk and click on “Register Now”.
✅ Step 2: Fill Out the Registration Form
Enter the following details:
- Full Name (as per CNIC)
- CNIC Number & Date of Birth
- Father’s/Husband’s Name
- CNIC Issue & Expiry Date
- Active Mobile Number
- Create a Strong Password
✅ Step 3: Submit the Form
Click on Register, and you’ll receive a confirmation SMS on your registered mobile.
✅ Step 4: Login to Your Dashboard
Go back to the homepage, login with your CNIC and password, and access the dashboard to explore loan services.
✅ Who Can Apply? (Eligibility Criteria)
To qualify for the Asaan Karobar Card, you must meet these requirements:
| Criteria | Requirement |
|---|---|
| Nationality | Must be a Pakistani citizen |
| Residency | Must reside in Punjab |
| Age Limit | 21 to 57 years old |
| Identification | Valid CNIC and registered mobile number |
| Business Location | Existing or planned business in Punjab |
| Credit History | No previous loan defaults or overdue loans |
| Additional Assessments | Psychometric & credit evaluation |
| Business Registration | PRA or FBR registration (within 6 months) |
📂 Documents Required for Application
Before applying, keep these documents ready:
- ✅ CNIC (Front & Back)
- ✅ Proof of residential address
- ✅ Business site verification (utility bill/rent agreement)
- ✅ PRA or FBR registration documents
- ✅ Previous bank statements and credit history
💸 Loan Disbursement & Repayment Breakdown
The Asaan Karobar Card operates in a phased disbursement and repayment model:
| Phase | Details |
|---|---|
| First Loan Tranche | 50% of the loan amount released initially |
| Grace Period | 3 months with no repayment required |
| Monthly Installments | Minimum 5% monthly repayment of utilized amount |
| Second Tranche Release | After successful utilization & repayment of first phase |
| Full Repayment Duration | Remaining balance to be paid over the next 24 months |
| Loan Usage Restriction | Only for business purposes (no personal or unrelated use allowed) |
💰 Fees, Charges & Penalties
Although the loan is interest-free, some administrative and service costs are involved:
| Charge | Amount/Policy |
|---|---|
| Annual Card Fee | PKR 25,000 + FED (deducted from loan amount) |
| Life Insurance | Additional (mandatory) |
| Card Delivery Charges | Applicable |
| Late Payment Penalty | As per issuing bank’s policy |
📱 How to Check Your Application Status
Once you’ve applied, checking your application status is simple and accessible in several ways:
🔍 Method 1: Online Dashboard
Log in at akc.punjab.gov.pk and track your application in real time.
✉️ Method 2: SMS Service
Text STATUS [Your Application ID] to 8300.
📞 Method 3: Call Center
Dial 051-9053333 or +92-51-9053333 to inquire via helpline.
🏦 Method 4: Visit NBP Branch
Visit your nearest National Bank of Pakistan branch with your CNIC for manual status verification.
❓ Frequently Asked Questions (FAQs)
Q1: How long does it take to receive the card?
A: The first card (worth up to PKR 500,000) is issued in the initial phase. The second card is issued after a few months, subject to repayment performance.
Q2: Can I submit more than one application?
A: No, only one application per individual or business is allowed.
Q3: Where can I use the loan?
A: You can only use it for business purposes such as paying vendors, utility bills, or government-related dues.
Q4: What if there is a delay in my application?
A: Ensure all documents are uploaded correctly, verify your NADRA records, or contact support.
Q5: What is the total budget of the scheme?
A: The scheme has a budget of PKR 84 billion, with PKR 48 billion specifically allocated for the Asaan Karobar Card.
🏁 Conclusion: Don’t Miss This Business Growth Opportunity
The Asaan Karobar Card is more than just a loan — it’s a strategic push from the Punjab Government to uplift entrepreneurship and economic growth.
With interest-free credit, easy digital application, and structured repayment, it offers a golden opportunity to:
- 🚀 Expand your business
- 👥 Create employment
- 📈 Contribute to Pakistan’s growing economy
✅ Apply today through the official portal
✅ Track your application regularly
✅ Use the funds wisely and responsibly
Your business deserves this chance — don’t miss out!