Asaan Karobar Card Scheme 2025: Full Details, Eligibility & How to Apply
The Punjab government, led by Chief Minister Maryam Nawaz Sharif, has launched the Asaan Karobar Card Scheme 2025 to help small business owners and new entrepreneurs in the province. This scheme offers interest-free loans of up to Rs. 10 lakh (1 million) to help people grow their businesses or start new ones. The goal is to boost employment and support local businesses by making it easier for them to get financial help.
This guide will cover everything you need to know, including who can apply, how much loan you can get, how to apply, and how the money will be given.
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Quick Overview of Asaan Karobar Card Scheme
| Feature | Details |
|---|---|
| Scheme Name | Asaan Karobar Card Scheme 2025 |
| Start Date | April 1, 2025 |
| End Date | Not specified |
| Loan Amount | Up to Rs. 10 lakh (1 million) |
| Interest Rate | 0% (Interest-Free) |
| Repayment Period | 3 years, monthly installments |
| Usage | Business purposes only |
| Application Mode | Online through PITB portal |
| Processing Fee | Rs. 500 (non-refundable) |
What is the Asaan Karobar Card?
The Asaan Karobar Card is a special loan scheme for small business owners in Punjab. With this card, eligible applicants can get an interest-free loan to invest in their businesses. The loan can be used for:
- Expanding an existing business
- Buying new equipment
- Improving business setup
- Starting a new business
This is part of the Punjab government’s plan to support small businesses and create more job opportunities.
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Loan Details and Benefits
- Loan Amount: You can get up to Rs. 10 lakh (1 million).
- Repayment Period: You must repay the loan in 3 years through monthly installments.
- Usage: The loan can only be used for business-related purposes.
- Interest Rate: 0% interest (completely free of extra charges).
- Disbursement: The amount will be transferred via a bank account through the Asaan Karobar Card.
Who Can Apply for the Asaan Karobar Card?
To apply for this scheme, you must fulfill the following conditions:
✅ Age Requirement: You must be between 21 to 57 years old.
✅ Residency: You must be a permanent resident of Punjab with a valid CNIC.
✅ Business Location: Your business must be in Punjab.
✅ Clean Financial Record: You should not have any outstanding loans or tax issues.
✅ First-Time Borrower: You should not have taken loans from any government schemes before.
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How to Apply for Asaan Karobar Card?
Follow these simple steps to apply for the loan:
Step 1: Pay Processing Fee
You need to pay a Rs. 500 non-refundable processing fee via mobile banking or at a designated bank branch.
Step 2: Gather Required Documents
Make sure you have these documents:
- CNIC (National Identity Card)
- Proof of business ownership or business plan
- Tax Record (FBR clearance)
- Utility bills of your business location
- Two references with CNIC copies
Step 3: Apply Online
Go to the official PITB portal and fill in the application form with your details.
Step 4: Wait for Confirmation
After submitting your application, you will get a confirmation SMS or a call regarding your eligibility.
Step 5: Receive Your Loan
If approved, you will be given the Asaan Karobar Card and a loan cheque to deposit into your business bank account.
Loan Disbursement & Cheque Distribution
Once approved, the Punjab government will start distributing cheques to selected applicants. This will be done at official government events, where Chief Minister Maryam Nawaz Sharif will personally hand over loan cheques to some business owners.
Once you receive your cheque, you can deposit it into your business bank account and start using the funds for your business needs.
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Loan Repayment Terms & Conditions
If you get the loan, you must repay it within 3 years under the following conditions:
✔️ Monthly Installments: The loan must be repaid in easy monthly payments.
✔️ Grace Period: You get 3 months before you have to start repayment.
✔️ Penalty for Late Payments: If you miss a payment, you may have to pay extra charges.
✔️ Bank Transfer Required: The repayment must be made through a bank transfer.
Final Words: Should You Apply for This Scheme?
The Asaan Karobar Card Scheme 2025 is a great opportunity for small business owners in Punjab. It gives interest-free loans and easy repayment terms, making it perfect for people who want to grow their businesses but don’t have financial support.
If you meet the eligibility criteria, don’t miss this chance! Apply online and take advantage of this government-backed financial support to boost your business.