CM Punjab Asaan Karobar Finance Scheme – 2025

The Government of Punjab has launched the CM Punjab Asaan Karobar Finance Scheme 2025 to empower entrepreneurs and small businesses. Through this program, individuals can access interest-free loans of up to PKR 30 million. The loans come with flexible repayment terms, making them easier to manage. The goal is to promote self-employment, create new opportunities, and uplift Punjab’s economy. It also works as a powerful tool to reduce poverty across the province.

This initiative is open to men and women from all walks of life. Dedicated quotas are reserved for women, minorities, transgender persons, and differently-abled individuals to ensure inclusivity. The scheme follows Islamic banking principles, which makes financial support ethical and interest-free. By offering fair access to resources, the program aims to bring more people into business and help them grow successfully.

If you also want to apply for more program then visit Ehsaas Program CNIC check online.

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What is the Asaan Karobar Finance Scheme?

The Asaan Karobar Finance Scheme is the first large-scale provincial program that provides interest-free loans to businesses across multiple industries, including agriculture, startups, and SMEs. Entrepreneurs can apply for financing of up to PKR 30 million, along with additional incentives for modern and eco-friendly ventures.

The scheme was approved in January 2025 during the 22nd Provincial Cabinet Meeting led by CM Maryam Nawaz Sharif. Alongside financial support, she announced the allocation of free land for business use and set a goal of 100,000 new startups across the province.

Additionally, the government introduced the Asaan Karobar Card (Asaan Business Card), which allows entrepreneurs to access up to PKR 1 million in interest-free credit for a three-year term. These funds are provided digitally to simplify transactions and business operations.

Objectives of CM Punjab Asaan Karobar Finance Scheme 2025

The scheme is built on a vision of economic inclusion and sustainable growth. Its key objectives are:

Encouraging overall economic expansion and industrial development.
Enhancing exports and creating new employment opportunities.
Supporting startups and small enterprises in scaling their businesses.
Offering leasing options for logistics and transport operations.
Helping existing businesses upgrade and modernize their operations.
Promoting eco-friendly practices with Resource Efficient and Cleaner Production (RECP) technologies.

Loan Categories under the Scheme

The financing is structured into two tiers, each tailored for different business needs:

Tier 1 (T1):

Loan range: PKR 1–5 million
Security: Personal guarantee (no collateral required)
Tenure: Up to 5 years
Processing Fee: PKR 5,000
Grace Period: Up to 6 months for startups, 3 months for existing businesses

Tier 2 (T2):

Loan range: PKR 6–30 million
Security: Collateral required
Tenure: Up to 5 years
Processing Fee: PKR 10,000
Grace Period: Same as T1

Equity Contribution Rules:

No equity for Tier 1 loans (except leased vehicles)
25% for leased vehicles
20% for other loans under Tier 2
10% for women, transgender, and differently-abled applicants

Eligibility Criteria for the Scheme

Applicants must meet the following conditions:

Age between 25–55 years
Valid CNIC and NTN
Resident of Punjab
Small Enterprises: annual sales up to PKR 150M
Medium Enterprises: annual sales PKR 150M – PKR 800M
Clean credit history
Must be an active FBR tax filer
Business must be based in Punjab (owned or rented premises)

Application Process of the Scheme

The application process is entirely digital and designed to be simple. Steps include:

Online Registration: Begin by visiting the official Punjab government portal and selecting “Apply”.
Profile Setup: Provide personal details such as CNIC, NTN, mobile number, and address.
Loan Selection: Choose your loan tier (T1 or T2), desired amount, and repayment tenure.
Business Information: Share details about your business, including name, employees, and operations.
Financial Information: State the purpose of the loan, current financial standing, and business status.
References: Add references who are not immediate family members.
Document Upload: Upload CNIC, photos, business plan, proof of residence, and other supporting documents.
Submit Application: Review and finalize submission. Applications are then verified by authorities.

Applicants can also track their loan status online and use the official helpline (1786) for assistance or complaints.

Benefits of CM Punjab Asaan Karobar Finance Scheme 2025

The program offers more than just financing:

Interest-free loans of up to PKR 30 million
Convenient installment-based repayment system
Capital subsidy of PKR 5 million for solar and green technologies
Advisory support for the development of small industrial states
Long-term leases (up to 30 years) to reduce land purchase costs
Reduced equity requirements for women, minorities, transgender, and differently-abled individuals
Job creation through 100,000 targeted startups across Punjab

Future Plans – Phase II of the Scheme

The Punjab Government has already announced Phase II, expected to launch in fiscal year 2025–26. This phase will expand the program to PKR 100 billion, reaching 24,000 SMEs and distributing loans worth up to PKR 379 billion in total.

Conclusion

The CM Punjab Asaan Karobar Finance Scheme 2025 is a landmark initiative that provides entrepreneurs with interest-free financing, advisory support, and modern incentives to grow their businesses. Beyond financial aid, it focuses on inclusivity, sustainability, and innovation.

By making loans accessible, reducing equity barriers, and encouraging renewable energy and industrial modernization, this scheme empowers individuals to become job creators rather than job seekers. It represents a bold step toward economic stability and prosperity under CM Maryam Nawaz Sharif’s leadership.

FAQs – Frequently Asked Questions

Any entrepreneur, small business owner, or startup founder residing in Punjab, aged 25–55 years, with a valid CNIC, NTN, and active FBR tax status can apply.

Yes, this is a Qarz-e-Hasna style loan with 0% markup. The government covers the financing cost, making it a true interest-free business loan in Pakistan.

Applicants can access up to PKR 30 million under Tier-2 financing, while small-scale businesses and startups can get between PKR 1–5 million through Tier-1 loans.

Yes, the scheme has special quotas for women entrepreneurs, minorities, transgender persons, and differently-abled individuals. They also enjoy reduced equity contribution requirements.

Applications can be submitted via the official Punjab government portal. The process is fully digital and requires filling out an online form, uploading documents, and tracking application status online.

The scheme not only provides interest-free loans in Pakistan but also offers capital subsidies for solar equipment, long-term leases to reduce land costs, and advisory support for small and medium enterprises (SMEs).

You can contact the official Asaan Karobar Finance Scheme helpline at 1786 to check application status, resolve issues, or submit complaints.

CM Punjab Asaan Karobar Finance Scheme – 2025

What is the Asaan Karobar Finance Scheme?

Objectives of CM Punjab Asaan Karobar Finance Scheme 2025