CM Punjab Asaan Karobar Card

The CM Punjab Asaan Karobar Card 2025, launched by Chief Minister Maryam Nawaz, is a financial support scheme for shopkeepers, freelancers, and small entrepreneurs. It allows eligible applicants to get interest-free loans of up to PKR 1 million through a digital business credit card. This program makes it easier for small businesses to access capital, manage expenses, and grow without falling into debt traps.

What is the Asaan Karobar Card?

The Asaan Karobar Card works like a business credit card with 0% interest for the first year. It offers a revolving credit facility, secure digital payments, and easy cash withdrawals for business needs. The scheme is part of Punjab’s broader drive for economic empowerment and financial inclusion.

Key Features and Benefits

• Loan Limit: Up to PKR 1,000,000
• Interest Rate: 0% for the first year
• Repayment: 24 monthly installments (after 1-year grace period)
• Tenure: 3 years (including grace period)
• Cash Withdrawal: Up to 25% of the limit for business expenses
• Digital Payments: Utility bills, suppliers, and government fees through POS and mobile app

Why it helps entrepreneurs:

• No interest burden in the first year
• Simple online application process
• Transparent and fully digital system
• Supports freelancers and small businesses

Eligibility Criteria

Applicants must:

• Be 21–57 years old
• Be a Pakistani citizen and permanent resident of Punjab
• Own an existing business or have a feasible startup idea in Punjab
• Hold a valid CNIC and mobile SIM registered in their name
• Have no previous loan defaults
• Pass digital CNIC verification and a business assessment test

How to Apply Online

1. Go to the official portal: acad.org.pk
2. Register with your CNIC, name, and mobile number
3. Log in to your dashboard
4. Fill in personal and business details
5. Upload required documents (CNIC, business papers)
6. Pay a processing fee of PKR 500 online
7. Submit your application for verification

Your information will be digitally checked, and in some cases, a physical business inspection may be carried out.

Fees and Rules

• Annual Card Fee: PKR 25,000 + FED
• Processing Fee: PKR 500 (non-refundable)
• Late Payment Charges: As per bank policy
• Business Use Only: Funds cannot be used for personal expenses
• Tax Registration: Must register with FBR/PRA within 6 months
• Phased Release: 50% of the loan is given first, and the rest after compliance

Helpline

For assistance, call the official helpline: 1786.

Conclusion

The Asaan Karobar Card 2025 is a powerful tool for small businesses and freelancers in Punjab. With interest-free financing, digital payments, and government-backed support, it helps entrepreneurs secure working capital and grow without financial stress.

FAQs About CM Punjab Asaan Karobar Card 2025

Q1: How much loan can I get with the Asaan Karobar Card?
You can get up to PKR 1 million interest-free.

Q2: Who can apply for this card?
Shopkeepers, freelancers, and entrepreneurs in Punjab aged 21–57 with valid CNIC and business proof.

Q3: Can residents outside Punjab apply?
No, it is only available for permanent residents of Punjab.

Q4: What happens if I miss an installment?
The bank will apply a late payment penalty.

Q5: How long is the repayment period?
Repayment starts after a 1-year grace period and must be completed within 24 months.