CM Punjab Asaan Karobar Card Scheme Apply Online Through akc.punjab.gov.pk
The Asaan Karobar Card is a groundbreaking initiative launched by the Government of Punjab under the supervision of CM Maryam Nawaz Sharif. It provides a digital SME card to small business owners and entrepreneurs by transparent selection of candidates. AKC Punjab will help residents of Punjab to start their dream business.
The Asan Karobar Card will help youth to make the economy of Pakistan better and stronger. It is a complete guide to registering for the Asaan Karobar Scheme. It covers all topics and eligibility criteria and details regarding AKC Punjab.
Grant of 84 Billion Rupees Allocated for the Asan Karobar initiative
The government of Punjab, under the leadership of Chief Minister Maryam Nawaz Sharif, announced the largest provincial financing scheme. A total of 84 billion and 48 billion rupees is allocated for the Asan Karobar card scheme. It is a great step to promote small businesses and startups. It will help in the economic growth of the country.
| Key Features | Details |
| Maximum Loan Limit | Up to Pkr 1 million rupees |
| Interest rate | Zero Percent |
| Loan tenure | 3 Years |
| Grace period | 3 Months from card issuance |
| Loan type | Revolving Credit Facility |
| Repayment term | 24 equal installments after the first year |
How to Apply for the Asaan Karobar Card
You can apply online on the PITB Portal digitally by following the simple steps:
- Register via akc.punjab.gov.pk
- Upload required documents like CNIC front and back sides, and upload residential proof.
- Pay Non-Refundable fees of 500 PKR through 1link bill online
- Authorities will verify your credit and CNIC with the business premises.
- Upon approval, your card will be issued, which you can use digitally and withdraw 25% of the loan amount.
The Asan Karobar Card was launched by the Government of Punjab. It covers loans up to 1 million. Any Pakistani having a CNIC can apply through akc.punjab.gov.pk. If you meet the eligibility criteria, you will be able to get a loan. There is the CM Punjab Asaan Karobar Finance Scheme, which offers up to 30 million rupees on loan. Both have different criteria but were launched on the same date.
How to Register for the Asaan Karobar Card
You can register on the Asaan Karobar Portal by following the simple steps given below.
Step 1: Signup Information
First, you have to register on the Portal for your Profile Creation. Just put these details:
- CNIC Expiry Date
- Applicant Name as per CNIC
- Father/Husband Name
- Applicant CNIC NO
- Date of Birth (As Per CNIC)
- CNIC Issuance Date
Step 2: Log in to the AKC Portal
Now Provide Your Username, which is your CNIC card Number and Password, which you set up at the time of registration.
Step 3: Personal Details
Complete the details about your identity, which will be verified and help in the successful approval of your loan application. Just provide the correct details because wrong information can cause the decline of your application upon verification. It includes your address, your family details, qualifications and Prior experience in that field of business. So, carefully read and fill data.
Step 4: Business Details
Now you have to enter the complete details of your business. You will tell about the business location, your monthly plan of finances, and how you will manage your loan to use it effectively in a profitable way.
Step 5: Loan Details
Now, enter the required loan and type of collateral and purpose of the loan.
Step 6: Documentation
- Now, upload all your required documents in the documentation
- CNIC Front and Back
- Bank account statement
Step 7: Review your Details and Submit
Review your application and submit it before the deadline to ensure a successful application. After Verification, the Merit list will be displayed online, and you will be notified by SMS through the Bank of Punjab.
Step 8: Pay fees
After submitting your application, you have to pay non-refundable fees of 500 PKR. You can pay your fees through any online app like Easypaisa/Jazzcash. Double-check if your fees are showing as paid on the portal.
How to do Asan Karobar Card login on a portal?
You can log in to your Asan Karobar card account by following the simple steps:
Step 1: Visit the Login Page
Go to akc.punjab.gov.pk and click Login. It will redirect you to another page.
Step 2: Provide Your Credentials
Enter your CNIC NO and provide the password that you set up during the registration process.
Step 3: Access Your Dashboard
Click the Login button, and you will be redirected to the dashboard page. You can access all features under the dashboard.
Tips for a Successful Login Experience
Follow these steps to ensure a smooth login into your Asaan Karobar Card Portal:
- Ensure the information entered matches your registration details.
- Use a stable internet connection and enjoy a smooth experience.
- Don’t share your password with anyone.
About the Asaan Karobar Card Program
The CM Punjab Akc is a game-changing step designed to provide financial support to small businesses in Punjab. With interest-free loans of up to PKR 1 million and easy installment options, this program allows entrepreneurs to overcome financial barriers and focus on business growth.
Eligibility Criteria for Asaan Karobar Program
Before applying, ensure you meet specific criteria:
- Residence: Must be a Pakistani citizen residing in Punjab
- Age: Your age should be between 21 and 57 years old.
- Valid CNIC: You must have a computerized identity card.
- Mobile Number: You must have a phone number registered in your name.
- Business Status: You should own a business or plan to start a new one.
- Credit History: A clean credit history with no overdue loans should be here.
- Psychometric Test: You must pass a psychometric test in the portal to apply.
- Application limit: Only one application in the name of one person is allowed.
- Business Registration: Register the business with PRA/FBR within six months of receiving the card.
Loan Usage and Repayment Details
CM Punjab Asan Karobar card loan usage and repayment details are as follows:
Loan Details
- First 50% of the loan: Accessible within the first six months after approval of the loan.
- Grace Period: Borrowers enjoy a three-month grace period from card issuance before repayment begins.
- Monthly Installments: Repayment of the first half starts with a minimum payment of 5% of the outstanding loan balance per month.
- Second 50% of the loan: Released upon satisfactory usage and timely repayment of the first half.
- Equal Monthly Installments (EMIs): The remaining balance is repaid over 24 months after the first year. It is interest-free.
There are two programs, One is the Asan Karobar Card and the other is the CM Punjab Asaan Karobar Loan finance scheme. You can also check the application status finance scheme.
Charges
The Asaan Karobar Card comes with minimal charges to ensure affordability for entrepreneurs:
| One Time Card Fee | PKR 25,000 + FED, deducted from the approved loan limit. |
| Additional Charges | Includes life assurance, card issuance, and delivery costs. |
| Late Payment Fine | Applied as per the bank’s policy for delayed installments. |
These charges ensure the sustainability of the program while providing maximum benefits to small businesses.
Security Details
- Digital security of the borrower is duly signed by him.
- Life assurance has been added to the portfolio.
- The Urban Unit visits the business premises after 6 months of loan approval.
How to Check Your Asaan Karobar Loan Application Status
If you have applied for the Asan Karobar Card, you can check your application status by different methods. Anyone applying for a loan can check the status by simply logging in to the Asan Karobar Card portal and can check if his/her status is under process or verified.
Ways to Track AKC Application Status:
You can track your application in different ways.
- Online Portal: Log in to see updates in the portal. Upload any data required in the upload section.
- SMS Service: Send STATUS [APPLICATION ID] to 8300 via sms, and you will receive updates
- Helpline support: Call 051-9053333 (toll-free within Pakistan) or +92-51-9053333 (for international queries) to speak with a representative. They can assist with status updates and eligibility verification.
- In-person inquiry: You can visit any nearby branch of the National Bank of Pakistan and get details by just providing your CNIC.
What to Do If Your Application is Delayed?
You can follow this checklist if your application is being delayed for a long time.
- If your application is delayed and showing a PENDING Status
- These steps you can take to clear your application
- Upload any missing documents under the upload section in the portal
- Double-check your application by two tracking methods
- Ensure all details match with your NADRA Record
- Contact support with your application reference number.
Check if your fees are showing PAID.
Asaan Karobar Card vs Other Government Loan Schemes
For small to medium entrepreneurs in Punjab, the Asaan Karobar Card offers a fast, interest-free, and user-friendly financing solution. But any applicant always assess your capital needs, business plan, and repayment ability before selecting a loan scheme. But due to its quick application process and no interest at any stage of loan this loan scheme is on of the best.
Latest Update about the Asaan Karobar Card Scheme
The following are the latest updates about Akf Punjab 2025. You can check this page regularly for the latest updates.
Merit List
When will Registration of the application for the asan karobar card loan stop? Then authorities will reverify all details of the business and Premises. Then, the Government of Punjab will upload the Merit list of successful applicants of the Karobar scheme.
Future Prospects
Future prospects of loans in Punjab are very clear to support small businesses. This will help in strengthening the Economy of Pakistan. It will help to grow youth and avail opportunities for business. This initiative will control the inflation rate.
Key Features of the Asaan Karobar Card
- Interest-Free Loans: Users can enjoy up to PKR 1 million without any interest charges.
- Digital Transactions: Use funds for vendor payments, utility bills, government fees, and more through mobile apps and POS systems. It is very helpful for smooth payments.
- Cash Withdrawal: Withdraw up to 25% of the loan amount for miscellaneous business needs.
- Grace Period: Enjoy a three-month grace period from card issuance before repayment starts.
- Revolving Credit Facility: Access and reuse funds within the first 12 months, followed by instalment repayments over the next 24 months. So I will give loans on fair and timely payment of loan.
Benefits of the Asaan Karobar Card
The Asaan Karobar Card offers numerous advantages to small business owners:
- Financial Support: Provides easy access to funds, enabling entrepreneurs to focus on business growth.
- Transparency: Ensures clear and accountable usage of funds through digital tools, Pos Transactions and vendor payments.
- Business Growth Opportunities: Offers financial relief for operational expenses and expansion needs.
- Inclusivity: Designed to support small businesses across various sectors in Punjab.
- Easy Apply: The fully digital process makes it easy for applicants to apply and receive approval quickly.
Helpline for Asaan Karobar Card
Govt of Punjab has also announced a helpline number for applicants of the Asan Karobar Loan. For assistance, just call on helpline:
- HelpLine Number: You can contact 1786 for queries and support
- Available Hours: 8 AM-5 PM, other than holidays
- Services: Registration, eligibility criteria and any queries
- Official Website: You can visit the official website, akc punjab.gov.pk, for further updates
FAQs
Conclusion
The CM Punjab Asaan Karobar Card is a transformative initiative by the Punjab government, aimed at supporting small business owners and entrepreneurs and driving economic growth in Punjab and Pakistan. The Asaan Karobar Card Scheme is a lifeline for Punjab’s entrepreneurs, offering interest-free loans to grow businesses. Apply now at www.punjab.gov.pk and turn your business dreams into reality. Share this update with your friends and family to support them.