Punjab Asan Karobar Card Scheme
The Punjab Asan Karobar Card Scheme 2025 is a groundbreaking initiative launched by Chief Minister Maryam Nawaz Sharif to empower the youth, small traders, and cottage industries across Punjab. Under this scheme, eligible individuals can access interest-free business loans of up to Rs. 10 lakh, enabling them to start or expand their own small businesses without the burden of bank interest.
The program focuses on creating self-employment opportunities, supporting home-based businesses, and boosting economic activity in local communities. With a simple online application process, minimal documentation, and government-backed financial support, the Asan Karobar Card offers a practical and powerful path toward financial independence and sustainable income generation for thousands of deserving Pakistanis.
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Who Can Apply? Eligibility Criteria
To ensure the scheme reaches the truly deserving, the Punjab Government has set clear eligibility conditions:
- Must be a resident of Punjab
- Aged between 18 to 55 years
- Have a valid CNIC
- Must be unemployed, self-employed, or planning to start/expand a small business
Priority will be given to:
- Women entrepreneurs
- Skilled youth
- Daily wage workers
- Home-based workers
- Cottage industry participants
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Loan Amount and Limits
The Punjab Asan Karobar Card Scheme offers loans ranging between:
- Minimum: Rs. 50,000
- Maximum: Rs. 1,000,000 (10 lakh)
The loans are 100% interest-free, with a flexible installment-based repayment plan to ease the financial pressure on the borrowers.
How to Apply? Registration Process
Here is a step-by-step guide to applying for the Punjab Asan Karobar Card Scheme:
- Visit the official portal
- Create an account using your CNIC and mobile number.
- Fill in the business profile, including:
- Type of business
- Estimated investment
- Expected income
- Upload required documents, such as:
- CNIC copy
- Proof of residence
- Business plan or idea
- Existing trade documents
- Submit the application and wait for verification and approval.
Selected applicants will be issued the Punjab Asan Karobar Card Scheme, which can be used to withdraw loan amounts through partner banks or microfinance institutions.
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Required Documents
The Punjab government has prescribed some documents for registration in the Punjab Easy Business Card Scheme, which are mentioned below:
- CNIC: A clear copy of your valid Computerized National Identity Card is needed for identity verification.
- Proof of Residence in Punjab: This can be a utility bill, domicile certificate, or any official document showing your permanent or current address in Punjab.
- Two Passport-Size Photos: Recent photographs required for official records and documentation.
- Simple Business Plan: A brief outline of your business idea or current business setup. It should include what the business is, how it will earn income, and where it will operate.
- Existing Business Proof: For those expanding a business, documents like a trade license, rental agreement for the shop, sales receipts, or photos of the business location can be submitted.
- Income Proof: This could be a salary slip, bank statement, or a signed affidavit stating your current income if formal documentation is not available.
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Scheme Objectives and Benefits
- Promote self-employment in Punjab
- Support women-led and home-based businesses
- Boost cottage industry and traditional trades
- Reduce dependency on charity or unemployment funds
- Help people build sustainable income sources
Frequently Asked Questions(FAQs)
Is this loan really interest-free?
Yes, the government will pay the interest/markup. You only return the principal amount.
Can I apply if I already run a small business?
Yes, this scheme is for both new and existing businesses.
Can women apply separately?
Yes. Women, especially home-based workers, are encouraged to apply and will be given priority.
What if I fail to repay?
The scheme may involve soft legal enforcement, but training and support will also be provided to reduce default risk.
Is there any registration fee?
No, registration and application are completely free.
Conclusion
The Punjab Asan Karobar Card Scheme 2025 is not just a loan program, it’s a powerful economic empowerment tool. By offering interest-free loans, the Punjab Government is enabling thousands of youth, small traders, and home-based workers to turn their business dreams into reality. If you’ve been waiting for an opportunity to grow, this is your moment. Apply now and build your own path to financial independence.
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