Asaan Karobar Finance Scheme (آسان کاروبار فنانس سکیم) – 2025
What is Asaan Karobar Finance Scheme?
The Asaan Karobar Finance Scheme is a groundbreaking, multi-million-rupee initiative launched by the Government of Punjab to empower entrepreneurs across the province. This first-of-its-kind program offers interest-free loans of up to Rs. 30 million (Rs. 3 Crore), targeting key sectors such as agriculture, small and medium enterprises (SMEs), and other growth-driven industries. Its core objectives are to fuel economic development, increase exports, and create new employment opportunities throughout Punjab.
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In a major step toward financial empowerment, CM Maryam Nawaz Sharif has also approved the Asaan Business Card (also known as the Asaan Karobar Card). This initiative will allow small business owners to access interest-free loans of up to Rs. 1 million, helping cover essential business-related expenses and promoting financial inclusion at all stages of business development.
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Objectives of the Asaan Karobar Finance Scheme
Objectives of the Asaan Karobar Finance Scheme
Lorem ipsum dolor sit amet, coThe Asaan Karobar Finance Scheme offers a wide range of benefits to entrepreneurs, enabling them to tap into new opportunities and advance their businesses. Below are some of its key advantages:
Benefits of the Asaan Karobar Finance Scheme
This initiative plays a pivotal role in Punjab’s economic development by supporting businesses that boost local production, enhance exports, and generate employment. By empowering entrepreneurs across diverse sectors, the scheme is designed to fuel sustainable economic growth throughout the province.
Encouraging Exports and Job Creation
A central objective of the scheme is to encourage businesses to expand exports — both domestically and internationally. It also focuses on generating thousands of jobs by supporting startups and helping existing businesses grow and scale effectively.
Support for Small and Medium-Sized Enterprises (SMEs)
The scheme is particularly tailored for SMEs, offering them the financial resources needed to modernize operations, expand market reach, and enhance competitiveness. This helps level the playing field for smaller enterprises against larger industry players.
Commercial Logistics Leasing
The program provides affordable, long-term leasing options for businesses establishing or expanding their logistics infrastructure. This helps reduce the high initial costs typically associated with logistics and warehousing.
Startup Funding for New Entrepreneurs
Aspiring entrepreneurs are encouraged to apply for startup funding under this scheme. Whether it’s for purchasing equipment, securing initial capital, or covering early-stage operational costs, the scheme offers crucial financial support to help new businesses take off.
Modernizing and Expanding Existing Businesses
For already established businesses, the scheme offers financial aid to modernize infrastructure, upgrade technology, and adapt to evolving market needs — keeping them competitive in today’s business environment.
Promoting Environmentally Friendly Practices
The scheme also incentivizes sustainable business practices by supporting projects that adopt Resource Efficient and Cleaner Production (RECP) technologies. This not only promotes eco-friendly innovation but also minimizes the environmental impact of industrial activity.
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Key Financial Benefits at a Glance
Interest-Free Loan of up to PKR 30 Million (3 Crore)
Additional Incentives
Capital Subsidy for Green Tech
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Non-Financial Advisory for Industrial Estates
Beyond funding, the scheme also offers advisory support for developing new small industrial estates, covering business planning, infrastructure, and market strategy.
Long-Term Leasing Options
To avoid the high cost of land acquisition, the scheme allows 30-year leases, enabling entrepreneurs to operate without significant upfront property costnsectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
Eligibility Criteria for Asaan Karobar Finance Scheme
Eligibility Criteria for Asaan Karobar Finance Scheme
Lorem ipsum dolor sit aThe Asaan Karobar Finance Scheme is structured into two distinct tiers, designed to cater to businesses of different sizes and financial needs. These tiers provide flexibility in loan amounts, ensuring that a wide range of entrepreneurs can benefit from this initiative.
Tier-1: Unsecured Loan up to Rs. 5 Million
In Tier-1, applicants can access unsecured loans of up to Rs. 5 million. These loans require personal guarantees from the applicants but do not require additional collateral. This is ideal for small businesses or start-ups that may not have significant assets but require capital to grow or expand.
Tier-2: Secured Loan from Rs. 5 Million to Rs. 30 Million
Tier-2 offers secured loans, ranging from Rs. 5 million to Rs. 30 million. To access this tier, applicants must provide collateral, such as property or other secured assets. This tier is suitable for businesses looking to scale significantly or expand their operations with larger funding requirements.
Eligibility Criteria for Application:
To qualify for the Asaan Karobar Finance Scheme, applicants must meet the following criteria:
- Valid CNIC and NTN registration.
- Age: Applicants must be between 25-55 years old.
- Tax Filers: Must be active FBR tax filers.
- Clean Credit History: A clean financial record is required for both tiers.
- Business Location: The business must be based in Punjab.
- Additional Documents: Applicants must provide the necessary business documents, such as feasibility reports, land ownership details, or rent agreements, depending on the loan type.
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Loan Details
Loan Details
The Asaan Karobar Finance Scheme is a government-backed initiative aimed at supporting entrepreneurs by offering two distinct loan tiers tailored to various business needs. These include unsecured and secured loans, both interest-free, with minimal processing costs.
Tier-1 (T1): Unsecured Loan – Up to Rs. 5 Million
Loan Amount: Rs. 1 Million to Rs. 5 Million
Security: No collateral required (Personal Guarantee only)
Loan Tenure: Up to 5 Years
End-User Interest Rate: 0% (Interest-Free)
Processing Fee: Rs. 5,000
Best For:
Small businesses and start-ups that lack substantial assets but need financial assistance to launch or grow. The unsecured nature of this tier ensures accessibility without the burden of collateral.
Tier-2 (T2): Secured Loan – Rs. 6 Million to Rs. 30 Million
Loan Amount: Rs. 6 Million to Rs. 30 Million
Security: Collateral required (e.g., property or assets)
Loan Tenure: Up to 5 Years
End-User Interest Rate: 0% (Interest-Free)
Processing Fee: Rs. 10,000
Best For:
Established businesses aiming for expansion or scaling up operations. This secured loan option provides higher funding but requires collateral.
Grace Periods
New Startups: Up to 6 months grace period
Existing Businesses: Up to 3 months grace period
Equity Contribution Requirements
0% Equity: Most businesses (especially new setups)
25% Equity: Only for leased commercial vehicles
20% Equity: For Tier-2 secured loan applicants
10% Equity: Special reduced contribution for:
Women
Transgender individuals
Differently-abled entrepreneurs
This inclusive policy is designed to promote diversity in the entrepreneurial ecosystem.
Additional Costs
Handling Fee:
NIL for new business setups
3% per annum for existing businesses
NIL for climate-friendly businesses under Tier-2
Insurance, Legal, & Registration Charges:
Applied based on actual costs (transparency ensured)
Repayment Terms
Method: Equal Monthly Installments (EMIs), as per approval terms
Late Charges:
PKR 1 per 1,000 per day on overdue payments
Repayment Terms
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Asaan Karobar Finance Scheme Apply Online
Asaan Karobar Finance Scheme Apply Online
Step 01: Start Your Application
Click on “Apply for Asaan Karobar Finance”: Begin by clicking the application button on the official website.
Read the Instructions Carefully: Go through all the provided guidelines to understand the process clearly.
Acknowledge and Continue: Once you’ve read everything, click the “Acknowledge & Proceed” button at the bottom to start filling out your application details.
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Profile Information
Enter Personal Details:
Provide the following information:
Applicant’s Name
Father’s/Husband’s Name
CNIC Number
Email Address
Date of Birth (DOB)
Age
Gender
Disability Status (if applicable, as per CNIC)
Enter Contact Details:
Mobile Number (must be registered in the applicant’s name)
Residential Address
Additional Information:
NTN (National Tax Number)
Political Affiliation (if any)
Create a secure password for your account
Complete Registration:
Once all the details are filled in, click the “Register” button to complete your profile and proceed to the next step of the application process.ectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
Loan Details
Provide Loan Information:
Date of Business Establishment: Select the official date when your business started operations.
Loan Tier: Choose the appropriate loan category – Tier-1 or Tier-2 – based on your business profile.
Enter Loan Requirements:
Loan Amount: Specify the amount of loan you are applying for.
Loan Tenure: Select your preferred loan repayment duration.
Additional Information: Include any other relevant details that support your application.
Credit History: Provide information about your past credit history for assessment.
Save and Proceed:
Once all details are entered, click “Save” and then “Next” to continue to the next step.tetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
Business Details
Enter Business Information:
Business Name
Business Contact Number(s)
Business Email Address
Number of Employees
Any other relevant business-related information
Save and Proceed:
After entering all the required information, click “Save”, then click “Next” to move forward to the next step of the application.
Financial Details
Enter Business Financial Information:
-
Business Purpose: Clearly state the main objective of your business.
-
Nature and Status: Specify the type of business (e.g., sole proprietorship, partnership) and its current operational status.
-
Additional Financial Information: Include any other relevant financial data that supports your application.
Save and Proceed:
After completing all fields, click “Save”, then “Next” to continue to the next step.
References
Provide Reference Details:
Enter the complete details of two references.
Note: References must not be blood relatives or immediate family members (next of kin).
Ensure the contact information provided is accurate and up-to-date.
Save and Proceed:
Once the reference details are entered, click “Save”, then “Next” to proceed to the next stage of your application.
Documentation
Upload Required Documents:
Upload all the necessary documents as outlined in the application guidelines.
Ensure each file is clear, legible, and meets the specified format and size requirements.
Complete and Submit:
After successfully uploading all required documents, click “Submit” to complete and finalize your application process.
More About the Asaan Karobar Finance Scheme
More About the Asaan Karobar Finance Scheme
Expansion of Asaan Karobar Finance Scheme – Phase II
The Government of Punjab is preparing to launch Phase II of the Asaan Karobar Finance Scheme in the fiscal year 2025-26. This phase comes with a significantly broader scope, featuring a funding pool of up to Rs. 100 billion, aimed at supporting approximately 24,000 small and medium enterprises (SMEs) across the province.
With a substantial allocation of Rs. 379 billion for loan disbursements, Phase II is designed to offer enhanced financial assistance to entrepreneurs and business owners across multiple sectors. The initiative is expected to accelerate economic development, generate employment opportunities, and drive business growth throughout Punjab.
Helpline Number
Asaan Karobar Card (Asaan Business Card)
Asaan Karobar Card (Asaan Business Card)
Launch of Asaan Karobar Card to Empower Small Entrepreneurs
The Government of Punjab has launched the Asaan Karobar Card (also known as the Asaan Business Card) to empower small-scale entrepreneurs across the province. This initiative provides interest-free loans of up to Rs. 1 million, with a repayment period of three years, offering vital financial support for business development and sustainability.
To promote transparency and efficiency, the loan disbursements will be managed through digital platforms, allowing entrepreneurs to conveniently access and utilize funds for business-related purposes.
The program aims to benefit over 100,000 small businesses across Punjab, helping them thrive and contribute to the economic development of the region.
This impactful initiative is led by Chief Minister Maryam Nawaz Sharif as a key component of her broader economic reform agenda focused on revitalizing Punjab’s economy and improving the financial stability of its citizens. The program extends beyond entrepreneurship, aiming to uplift sectors such as housing, agriculture, and renewable energy, thereby promoting sustainable development throughout the province.
Frequently Asked Questions
Frequently Asked Questions
How much loan can I get, and is it interest-free?
Under the Asaan Karobar Finance Scheme, entrepreneurs from diverse sectors, including agriculture, can access interest-free loans of up to Rs. 30 million. The scheme is designed to support the launch of new businesses and enhance existing ones across Punjab. Since the loans are completely interest-free, beneficiaries can focus on business growth without the pressure of interest repayments.
What are the main objectives of the Punjab Asaan Karobar Scheme?
The scheme is aimed at stimulating entrepreneurship and economic progress across the province. Key goals include:
Strengthening Punjab’s economy through business development and job creation
Empowering entrepreneurs to establish and grow their ventures
Enhancing exports and generating employment opportunities
Supporting business modernization and expansion through accessible financing
What are the eligibility requirements for the Asaan Karobar Scheme?
Although the official criteria have not been formally published, the expected eligibility conditions include:
Age Limit: Applicants should be between 25 to 55 years old
Credit Standing: A clean credit history is essential
Business Setup: Applicants must have ownership or a lease agreement for business premises
Repayment Term: The loan is likely to be repaid over a five-year period
What is the last date to apply?
As of now, the Punjab Government has not set an official deadline for applications. The scheme is intended to run continuously, allowing young and aspiring entrepreneurs to apply as the program progresses.
What is the age limit to apply for this loan?
Applicants must be between 25 and 55 years old to qualify for the Asaan Karobar Finance Scheme.
What is the helpline number for inquiries?
For any information or assistance, you can call the official helpline at 1786. This toll-free number is available to guide you through any part of the application process.
How to check your application status?
You can track your application easily by logging into the official portal and entering your application number or tracking ID. A step-by-step guide is also available on the portal to assist you with the process.
Conclusion
The Asaan Karobar Finance Scheme, launched by the Government of Punjab, is a groundbreaking effort to uplift entrepreneurs and stimulate business development throughout the province. Offering interest-free loans of up to PKR 30 million, this scheme is tailored to support both new and existing businesses in scaling operations, upgrading infrastructure, and fostering innovation.
By providing easy access to financial resources without the burden of interest, the initiative aims to boost economic activity, generate employment, and strengthen diverse business sectors. With clear and inclusive eligibility criteria, it opens doors for a wide range of aspiring and established entrepreneurs.
Keep an eye out for the official launch and application details. For any queries or guidance, you’re welcome to reach out for support.