CM Punjab Maryam Nawaz: Asian Karobar Finance Loan Scheme 2025

The Punjab Government has launched the Asaan Karobar Finance Loan Scheme to assist entrepreneurs and small business owners in setting up or expanding their businesses. The scheme bolsters the economy with interest-free loans and flexible financial assistance. Here are the complete details of the scheme, its advantages, and how to Apply.

Asian Karobar Finance Loan Scheme Overview

Asian Karobar Loan Scheme is one of the many initiatives being undertaken and led by the Chief Minister of Punjab to support small businesses and medium enterprises, which are the majority of the backbone of any developing economy. With a PKR 84 billion allocation, this program promotes financial inclusion and industrial development.

Key Features of the Scheme

Total Fund: PKR 84 billion
Card Business Scheme: PKR 48 billion
Zero-Interest Loans: PKR 66 billion
Loan Amount Range:
Minimum Loan: PKR 100,000
Maximum Loan: PKR 10 million

Interest-Free Loans:

Designed to ease the financial burden for budding businesses.
This loan is oriented towards those looking to start or grow a business and does not require interest.

How to Apply for the Asaan Karobar Finance Loan Scheme 2025

1. Online Application:
   • Visit the official website: punjab.gov.pk.
   • Fill out the online application form and upload the required documents.
2. Required Documents:
   • Original CNIC.
   • Domicile certificate.
   • Business plan or purpose of the loan.
3. Helpline Support:
   • For assistance, contact the toll-free number 1786 to speak with representatives of the Bank of Punjab.

Benefits of the Scheme

1. Economic Growth:
   • Encourages entrepreneurship by providing financial support.
   • Boosts the export-oriented industries such as sports goods, garments, and textiles.
2. Employment Opportunities:
   • New businesses create jobs, thereby reducing unemployment.
3. Support for Small and Medium Enterprises (SMEs):
   • Focused on empowering SMEs, the backbone of the economy.

Loan Usage and Categories

The scheme offers loans under three main categories:

1. Business Card Scheme:
   • Enables easy access to funds for recurring business expenses like raw materials and utility bills.
2. Finance Scheme:
   • Focused on funding medium-sized businesses and industries.
3. Export-Oriented Initiatives:
   • Encourages individuals to establish industries targeting international markets.

Updated Information for 2025

As of 2025, the Punjab Government has enhanced the program to cater to a larger audience. Here are the latest updates:

1. Digital Accessibility:
   • The application process is entirely digitized, allowing applicants to track their loan status online.
2. Targeted Sectors:
   • New focus on renewable energy projects, technology startups, and eco-friendly businesses.
3. Training Programs:
   • Applicants can access free business management training workshops to ensure proper utilization of loans.

Steps to Apply Online

1. Visit the official portal: punjab.gov.pk.
2. Click on the “Asaan Karobar Loan Scheme” section.
3. Fill out the application form.
4. Attach scanned copies of your CNIC, domicile certificate, and supporting documents.
5. Apply and note your reference number for future tracking.

The Asaan Karobar Loan Scheme by the Punjab Government is a groundbreaking initiative to empower entrepreneurs and drive economic growth. Whether starting a new business or expanding an existing one, this scheme provides a unique opportunity to access interest-free loans with flexible repayment options. Apply today and take the first step toward achieving your entrepreneurial dreams.