Asaan Karobar Card Apply Online 2025
Punjab Government ne CM Punjab Asaan Karobar Card launch kiya hai, jo chhote business aur entrepreneurs ke liye ek zabardast moka hai.
Is scheme ka maqsad hai interest-free loans (bila sud qarz) dena taake chhoti aur beech ki industries (SMEs) apna kaam barha sakein.
Chaliye, simple zabaan mein samajhte hain ke kaise aap apply kar sakte hain, kaun eligible hai, aur status kaise check karein.
📋 Asaan Karobar Card Scheme Kya Hai?
Asaan Karobar Card ek revolving credit facility hai jo businesses ko PKR 1 million tak ka bila sud loan provide karta hai.
Iska main focus hai:
✅ Young entrepreneurs
✅ Small business owners
✅ Startups
Ye program mobile apps aur POS systems ke zariye transparency aur convenience ensure karta hai.
Read this also : Punjab 3 Marla Free Plot Scheme 2025: Documents, Registration, District List
📋 Scheme Ki Key Details
| Feature | Detail |
|---|---|
| Maximum Loan | PKR 1 million |
| Interest Rate | 0% |
| Loan Tenure | 3 saal |
| Grace Period | 3 mahine |
| Application Process | Online at akc.punjab.gov.pk |
📋 Apply Karne Ka Tareeqa (Step-by-Step Guide)
✅ Step 1: Official Website Visit Karein
Browser open karein aur akc.punjab.gov.pk pe jaake “Register Now” pe click karein.
✅ Step 2: Registration Form Fill Karein
- Apna full name (CNIC ke mutabiq)
- CNIC number aur date of birth
- Father ya husband ka naam
- CNIC issue aur expiry date
- Mobile number (jo active ho)
- Strong password banayein aur confirm karein
✅ Step 3: Submit aur Confirmation Receive Karein
Sab details check karne ke baad Register button pe click karein.
Aapke mobile pe ek confirmation SMS aayega.
✅ Step 4: Login Aur Dashboard Access Karein
- Wapas akc.punjab.gov.pk pe jaake Login karein.
- CNIC aur password enter karein.
- Apna dashboard explore karein jahan aapko sari loan services milengi.
📋 Eligibility Criteria
Asaan Karobar Card ke liye aapko ye shartein puri karni hongi:
✅ Pakistani aur Punjab resident hona
✅ Age 21–57 years
✅ Valid CNIC aur registered mobile number
✅ Punjab mein business ka hona ya planning
✅ Clean credit history (no overdue loans)
✅ Psychometric aur credit assessment pass karna
✅ PRA/FBR registration 6 months ke andar complete karna
📋 Documents Jo Chahiyein
- CNIC (front & back)
- Proof of residence
- Business premises ka verification
- PRA/FBR registration papers
- Bank aur credit records
📋 Loan Usage aur Repayment Details
- First 50% loan: Pehle 6 mahine mein available
- Grace period: Pehle 3 mahine repayment nahi
- Monthly installments: Minimum 5% per month
- Second 50% loan: Jab pehli half sahi use aur repay hoti hai
- EMIs: Baaqi balance next 24 months mein repay hota hai
Funds sirf business ke liye use ho sakte hain — personal ya non-business transactions mana hain.
📋 Charges aur Fees
- Annual Card Fee: PKR 25,000 + FED (loan limit se deduct hoti hai)
- Life assurance aur delivery cost extra
- Late payment penalty: Bank policy ke mutabiq
📋 How to Check Asaan Karobar Loan Application Status
Agar aapne apply kiya hai, apna status check karne ke liye:
✅ Online Portal: Login karke real-time status dekhein
✅ SMS Service: “STATUS [Application ID]” bhejein 8300 par
✅ Helpline: Call karein 051-9053333 ya +92-51-9053333
✅ In-person Inquiry: Nearest NBP branch jaake CNIC dikhayein
📋 FAQs (Frequently Asked Questions)
Q1: Kitni der mein card issue hota hai?
A: Pehle phase mein ek card milega (Rs. 500,000 ke sath), doosra card kuch mahine baad issue hoga.
Q2: Kya main ek se zyada applications de sakta hoon?
A: Nahi, ek individual ya business sirf ek application de sakta hai.
Q3: Loan ka istemal kahan allowed hai?
A: Sirf business-related payments, vendor bills, utility bills, aur government fees ke liye.
Q4: Agar application delay ho rahi hai to kya karna chahiye?
A: Missing documents upload karein, NADRA records check karein, ya support team se contact karein.
Q5: Kya scheme ka budget fix hai?
A: Haan, scheme ka total budget 84 billion rupees hai, jismein 48 billion Asaan Karobar Card ke liye allocate hua hai.
📢 Conclusion
Punjab ka Asaan Karobar Card program chhote business aur entrepreneurs ke liye ek game-changer hai.
Interest-free loan se na sirf aap apna kaam barha sakte hain, balki naye jobs create karke economy ka hissa bhi ban sakte hain.
✅ Apni application sahi tareeke se submit karein
✅ Official portal ya SMS se status check karte rahen
✅ Business ki growth ke liye yeh moka miss mat karein!
Ek asaan aur transparent tareeqa — apni mehnat ka faida uthaiye.
