Punjab Asaan Karobar Finance Scheme: Interest-Free Business Loans 2025

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Punjab Asaan Karobar Finance Scheme

Punjab Asaan Karobar Finance Scheme: Interest-Free Business Loans 2025. The Government of Punjab has officially launched the distribution of interest-free loans under the Asaan Karobar Finance Scheme. Yesterday, the Chief Minister of Punjab formally inaugurated this scheme, and many people have already received their checks.

If you have applied for the Asaan Karobar Finance Scheme, you might be wondering when you will receive the loan. I will provide you with complete details in this video.

Additionally, under this scheme, the Government of Punjab is offering loans of up to RS.1 lakh with just two main conditions:

  1. You must be a filer in the FBR (Federal Board of Revenue).
  2. You must have a valid CNIC (Computerized National Identity Card).

Also Read: Ramzan Nigehban Package 2025

Loan Options for Higher Amounts

If you need a loan exceeding RS.10 lakh, additional conditions will apply. The complete step-by-step process is explained in this video.

Two Loan Schemes by the Punjab Government

1. Startup and Small Business Loan

  • If you need financial support for a startup or a small business, the Punjab Asaan Karobar Card Scheme is available.
  • The Punjab Government has allocated ₹8 billion for this scheme.
  • You can receive an interest-free loan of up to RS.10 lakh, which must be repaid within 3 years.

Eligibility:

  • Both men and women can apply.
  • Transgender individuals and persons with disabilities are also eligible.
  • Only residents of Punjab can apply.
  • Applicants must be between 21 and 57 years old.
  • A registered SIM card linked to your CNIC is required.
  • Your FBR status must be active as a filer.

If you meet these requirements, you can apply online and receive a loan of up to RS.10 lakh.

2. Asaan Karobar Finance Scheme

  • If you need a loan above RS.10 lakh, this scheme allows you to get up to RS.3 crore for any business.
  • The Punjab Government has allocated RS.30 billion for this scheme.
  • The loan must be repaid within 5 years.

Eligibility:

  • Only residents of Punjab aged 25 to 55 can apply.
  • You must have a valid CNIC.
  • You must not be a defaulter (i.e., you must not have failed to repay a previous loan).
  • Your FBR status must be active.
  • The business location must be owned or rented by you.

How to Apply FOR Punjab Asaan Karobar Finance Scheme

  1. If you want to apply for a loan Visit the official Punjab Government’s loan scheme website.
  2. Click on “Apply for Asaan Karobar Card”.
  3. Read the terms and conditions and proceed.
  4. Fill out the registration form with accurate details and submit it.

Required Documents

  1. Copy of your CNIC
  2. One-year bank statement (JazzCash/Easypaisa statements are also acceptable)

Loan Disbursement Process

  • If you are approved for the RS.10 lakh loan, you will receive a special debit card.
  • The first 50% of the amount must be used within six months.
  • The remaining 50% will be provided only after you register your business with FBR or PRA.
  • Repayments will begin three months after you start your business.

Loan Categories for Higher Amounts

  • Loans up to RS.50 lakh are available without collateral (only personal guarantee required).
  • Loans from RS.60 lakh to RS.3 crore require security deposit.
  • Loans must be repaid within 5 years.

Processing Fees

A processing fee of RS.5,000 to RS.30,000 will be charged (non-refundable).

Apply Online

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