Register in Asaan Karobar Finance Scheme
Good news for those who have joined the Asaan Karobar Finance Scheme. Those who had Register in Asaan Karobar Finance Scheme have been issued interest-free loans and finance scheme checks by Maryam Nawaz. Those who have not yet completed their registration can join the Asaan Karobar Finance Scheme today after ensuring their registration and get an interest-free loan of up to 30 Million.
Which they can pay in easy installments of five years. The purpose of starting this scheme was to provide interest-free loans for small and big businesses, after which the youth will be able to move towards development. Moreover, after getting this money, if you are starting a business, you will be able to start the business easily.
If you want to expand your business further, then this loan is also very useful for that. To know more information about how to register and what are the eligibility criteria, you have to read this article. In this article, all the information will be told to you in detail.
What is Asaan Karobar Finance Scheme?
The Asaan Karobar Finance Scheme is a financial initiative approved by CM Punjab Maryam Nawaz Sharif in January 2025. The purpose of this scheme is to provide interest-free loans to business owners and start-ups in Punjab.
With a loan tenure of up to 5 years, easy installment plans, and a fully digitalized application process, this scheme aims to empower small and medium enterprises (SMEs) and improve economic growth in Pakistan.
Key Features of Asaan Karobar Finance Scheme
- Interest-Free Loan: Borrow up to Rs. 30 million (Rs. 3 Crore)
- Flexible Loan Tenure: Repayment period of up to 5 years
- Easy Application Process: Digitally submitted applications
- Installment-Based Repayment: Convenient payment plans
- Additional Benefits: Capital subsidies, advisory support, and long-term lease options
Read more: PSER Survey Online Verification for Nigehban Program 2025
Objectives of Asaan Karobar Finance Scheme
- Promote economic growth and stability
- Encourage entrepreneurs and start-ups
- Support climate-friendly businesses
- Create job opportunities
- Provide business expansion opportunities
- Boost small and medium enterprises (SMEs)
Read more: Maryam Nawaz 3 Marla Plot Scheme Apply Online and Requirements for 3 Marla Plot
Eligibility Criteria for Asaan Karobar Finance Scheme
To qualify for this scheme, applicants must meet the following conditions:
- Age Limit: 25-55 years
- Valid CNIC
- NTN (National Tax Number)
- Annual Sales Requirements:
- Small Enterprises: Up to PKR 150 million
- Medium Enterprises: Between PKR 150 million – PKR 800 million
- Clean Credit History
- Active Tax Filer (Registered with FBR)
- Business Location: Must be located in Punjab
- Business Premises: Owned or rented
Also read: PSER Survey Eligibility Requirements Updated For Poor and Deserving Individuals in 2025
Loan Distribution Details and Tiers
This scheme has two tiers based on loan amounts:
Tier-1
- Loan Amount: PKR 1-5 million
- Security: Personal Guarantee
- Tenure: Up to 5 years
- Processing Fee: PKR 5,000
Tier-2
- Loan Amount: PKR 6-30 million
- Security: Secured Loan
- Tenure: Up to 5 years
- Processing Fee: PKR 10,000
- Grace Period:
- Start-ups/New Businesses: Up to 6 months
- Existing Businesses: Up to 3 months
Also read: 8070 Rashan Program Verification Online Through PSER Official Portal or Office
Step-by-Step Process to Register in Asaan Karobar Finance Scheme
Step 1: Start Your Application
- Visit the official portal of the Asaan Karobar Finance Scheme.
- Click on “Apply for Asaan Karobar Finance”.
- Read all the instructions carefully and click “Acknowledge & Proceed”.
Step 2: Enter Personal Information
- Applicant Name
- Father/Husband Name
- CNIC Number
- Email Address
- Date of Birth & Age
- Gender & Disability Status (if applicable)
- Registered Mobile Number
- Residential Address
- NTN Number (For tax purposes)
- Political Affiliation (if any)
- Set a Password
- Click “Register” and login to continue the application process.
Step 3: Provide Loan Details
- Select the Date of Establishment of Business
- Choose the Loan Tier (T1 or T2)
- Enter the Required Loan Amount
- Choose the Tenor of the Loan
- Provide details about your Credit History
- Click “Save” and “Next”
Step 4: Enter Business Details
- Business Name
- Business Contact Information
- Business Email
- Number of Employees
- Click “Save” and “Next”
Step 5: Provide Financial Information
- Nature and Status of Business
- Monthly Income & Expenses
- Purpose of the Loan
- Click “Save” and “Next”
Step 6: Submit References
- Provide the details of two references (must not be blood relatives)
- Click “Save” and “Next”
Step 7: Upload Required Documents & Submit Application
- Passport-size photo
- CNIC (Front & Back)
- Business Registration Documents
- Bank Statements (1-2 years)
- FBR Tax Returns
- Feasibility Report & Business Plan (For Tier-2 loans)
- Click “Submit” and receive an Application Registration Number.
Additional Costs & Repayment Terms for the AKF Scheme
- Processing Fee: PKR 5,000 (T1) / PKR 10,000 (T2)
- Repayment: Equal monthly installments
- Late Charges: PKR 1 per 1000/day
Future Expansion of Asaan Karobar Finance Scheme
- Phase II (2025-26): Rs. 100 billion funding for 24,000 SMEs
- Total Loan Disbursement Target: Rs. 379 billion
Also read: Honhar Scholarship Scheme Eligibility Criteria – Complete Terms and Application Procedure
FAQs – Frequently Asked Questions
Which mobile number should be used for registration?
The mobile number must be registered under the applicant’s CNIC.
Do I need to upload all the mentioned documents?
Yes, all mandatory documents must be uploaded to complete the application.
When will the application processing begin?
Processing begins after submission and payment of the application fee.
What is the application fee for the Asaan Karobar Finance Scheme?
- PKR 5,000 for Tier-1 loans
- PKR 10,000 for Tier-2 loans
Final Summary
The Asaan Karobar Finance Scheme is a major initiative by the Punjab Government to support businesses and entrepreneurs by providing interest-free loans up to Rs. 30 million. The digital application process makes it easy for eligible individuals to apply. Ensure that all eligibility requirements and documents are met before submission.
For more details, contact the official helpline at 1786. By following the steps outlined above, you can register for the Asaan Karobar Finance Scheme and take advantage of this opportunity to grow your business.