CM Punjab Asaan Karobar Card 2025

The Punjab Asaan Karobar Card Scheme is a great opportunity for small entrepreneurs in Punjab to grow their businesses. This scheme provides interest-free loans of up to PKR 1 million through a Digital SME Card. The funds can be used for business expansion, paying suppliers, utility bills, and other essential expenses in a transparent and structured way through digital channels like a mobile app and POS (Point of Sale) systems.

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✔ Loan Amount: Up to PKR 1 million
✔ Loan Duration: 3 years
✔ Loan Type: Revolving credit (renewed every 12 months)
✔ Repayment: Start paying after one year, in 24 equal monthly installments
✔ Grace Period: First 3 months after getting the card no repayment required
✔ End-User Interest Rate: 0% (completely interest-free)

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💰 Paying vendors and suppliers
💡 Paying utility bills, government fees, and taxes
🏦 Withdrawing cash (up to 25% of the limit) for business needs
📲 Making digital payments through mobile apps and POS machines

⚠ Note: The loan cannot be used for personal expenses or entertainment.

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To qualify for the Punjab Digital SME Loan, you must meet the following conditions:

✅ Age: Between 21 to 57 years
✅ Must be a Pakistani citizen and a resident of Punjab
✅ Have a valid CNIC and a mobile number (registered in your name)
✅ Own or plan to start a business in Punjab
✅ Have a clean credit history (no overdue loans)
✅ Only one application per person and business

Psychometric and credit assessments will be conducted to ensure applicants are eligible.

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✔ Submit your application online through the Punjab Information Technology Board (PITB) portal.
✔ Pay a non-refundable processing fee of PKR 500.
✔ CNIC, credit history, and business premises will be digitally verified.

🔗 For application details, visit: https://akc.punjab.gov.pk/cmpunjabfinance

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💰 First 50% of the loan: Available for use within the first 6 months
⏳ Grace Period: No repayment required for the first 3 months
💳 Minimum monthly payment after 3 months: 5% of the outstanding amount
📈 Second 50% of the loan: Released after 6 months if the borrower makes regular payments and registers with PRA/FBR
📅 Final repayment: The remaining balance is paid back in equal monthly installments over 2 years

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💳 Annual Card Fee: PKR 25,000 + FED (deducted from the loan limit)
📜 Other Charges: Life assurance, card issuance, and delivery are covered by the scheme
⚠ Late Payment Charges: If payments are delayed, penalties will apply as per the bank’s policy

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✔ Personal guarantee signed digitally by the borrower
✔ Life assurance included
✔ Urban Unit team will physically verify the business location within 6 months and conduct annual visits

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⚠ Loan funds can ONLY be used for business purposes. Personal spending is not allowed.
⚠ PRA/FBR registration is mandatory within 6 months of getting the card.
⚠ Only one application per person/business is allowed.

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📊 Feasibility Studies: Available on PSIC and BOP websites to help new businesses.
📞 Helpline: Call 1786 for any queries or assistance.

📢 For full details and the latest updates, visit: https://akc.punjab.gov.pk/cmpunjabfinance

This scheme is a great opportunity for small entrepreneurs in Punjab to grow their businesses with interest-free financial support. Apply now and take your business to the next level! 🚀

Interested applicants are strongly encouraged to submit their applications before the deadline of March 31, 2025, to ensure they can benefit from this transformative, interest-free loan scheme designed to support and grow small businesses in Punjab.

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