Asaan Karobar Card Scheme 2025 | CM Punjab Loan Program

Starting a business for low-income individuals is quite challenging in Punjab. Loans at low interest rates can help people experiencing poverty take the risk of starting a business. A suitable Karobar can be established with a budget of 0.5 to 1.0 million PKR. A promising startup can raise the standard of living for a middle-class family. The Asaan Karobar Card Scheme was launched in 2025 to meet all these requirements.

What is the Asaan Karobar Card?

The Asaan Karobar Card is issued as part of a scheme for low-interest loans by CM Punjab Maryam Nawaz. The scheme promised to give loans of up to 1 million PKR. This loan would help entrepreneurs and small business owners expand and grow their businesses.

The Asan Karobar Card is a digital SME Card. It helps small business owners to grow and sustain their business. The mobile app and POS ensure that the loan is used transparently and will be returned to the Bank of Punjab within the specified period.

What is the Asaan Karobar Scheme?

The scheme is for vendors and suppliers. Business owners or small startups can use the interest-free loan for products, setup, and marketing. They can withdraw cash with a 25% limit for other business purposes. 

Asaan Karobar Scheme is a loan scheme with the following features;

• Loan Amount: 1.0 Million Rupees
• Interest Rate: 0.0%
• Duration of Loan: 3.0 years
• Repayment terms: 1st year no return, 24 equal instalments for the next 2 years
• Grace Period: 3 months

How to check eligibility criteria for the Asan Karobar Scheme?

Following is the criteria for an interest-free loan under the Asaan Karobar Card;

1. The applicant should be from the Province of Punjab.
2. The applicant should be between 21 and 57 years old
3. The candidate with a small business will be preferred
4. The candidate should have a valid CNIC with them
5. A registered mobile number in his name
6. A bank account in the Bank of Punjab BoP
7. Clean credit history with no default on any loan
8. No criminal record

What are the Key Terms and Conditions of the Asaan Karobar Scheme?

1. Get a 50% loan and use it in the first 6 months.
2. The second 50% will be issued after satisfactory usage of the first payment. FBR will confirm regular repayment.
3. Annual card fee is PKR 25,000
4. In the event of late payment, a late fee will be applied.
5. Funds are only for businesses
6. Physical verification of the business is essential
7. One application per individual is fixed.

How to apply online for an Asaan Karobar Card?

Apply online for the loan scheme on the official portal. Follow the following steps;

1. Visit the official digital portal, PITB Portal, for the Load Scheme.
2. Read the instructions and terms, then tap the “Acknowledge and Proceed” button.
3. Enter your details and tap on the Register Button
4. Go to the login page and enter the details you used to create your account.
5. Enter the details of the business you are planning to expand.
6. Attach documents that are required.
7. Pay a processing fee of PKR 500
8. Add your email and mobile number to get OTP
9. Verify your account and get confirmation

Also Visit: Himmat Card

Conclusion

The Asaan Karobar Card is a digital payment card issued to successful applicants of the Finance Scheme. The scheme is designed for small business owners and entrepreneurs to establish and expand their businesses. A loan of 1 million PKR will be provided at a low interest rate for a period of 3 years. Verify your details and receive your Digital Asaan Karobar Scheme Card.

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