The Punjab Asaan Karobar Finance Scheme 2025 has been launched by Chief Minister Maryam Nawaz Sharif to support entrepreneurs, small businesses, and startups. This initiative focuses on interest-free loans that give people the chance to grow their businesses without the pressure of high markup rates. It is one of the biggest financial support programs ever introduced for SMEs in Punjab.
New Updates of the Scheme
The September 2025 update has introduced new features that make the program more effective:
- Interest-Free Loans up to PKR 30 Million – These loans are available for startups, SMEs, and agricultural businesses.
- Tiered Loan Structure
- Tier 1: PKR 1–5 million without collateral.
- Tier 2: PKR 6–30 million with collateral.
- Grace Period
- Six months for startups.
- Up to three months for running businesses.
- Phase II Expansion – Planned for 2025–26 with a fund of PKR 100 billion, targeting 24,000 SMEs and a total disbursement of PKR 379 billion.
- Asaan Karobar Card – A digital SME card offering loans up to PKR 1 million for small enterprises. Over 100,000 businesses are expected to benefit from this feature.
Eligibility Criteria
Applicants must meet basic requirements depending on the loan type:
- Tier 1 (PKR 1–5 million):
- Age: 25–55 years
- Must be a Punjab resident with a valid CNIC
- Clean credit history
- Business premises (owned or rented)
- NTN/active FBR filer
- Tier 2 (PKR 6–30 million):
- Same as Tier 1, but collateral is required
- Asaan Karobar Card (up to PKR 1 million):
- Age: 21–57 years
- Punjab resident with CNIC
- Digital verification and a clean credit history
- Only one application per person
How to Apply – Step by Step
Applying is simple and fully online:
- Visit the official Asaan Karobar Finance Scheme website.
- Click Apply and choose your loan type.
- Register with your CNIC and phone number.
- Fill out the form with personal, business, and financial details.
- Upload required documents.
- Submit the application – confirmation will be sent via SMS or email.
Required Documents
- Valid CNIC
- Recent passport-size photo
- NTN or proof of active FBR tax filing (if applicable)
- Proof of business premises (rent or ownership)
- Collateral documents (for Tier 2 loans)
- Clean credit history report
- Clearance of any past loans (if applicable)
Why This Scheme is Important
The Punjab Finance Program 2025 brings several long-term benefits:
- Zero markup makes loans affordable.
- Flexible loan tiers fit both small and large businesses.
- Support for women and green businesses with reduced equity contributions.
- Expansion in Phase II means thousands more SMEs will get access.
- Digital and transparent process builds trust and prevents misuse.
Final Thoughts
The CM Punjab Finance Program 2025 is a breakthrough for business owners and entrepreneurs. Whether you are a young startup looking for your first PKR 1 million or an established company aiming to expand with up to PKR 30 million, this scheme makes it possible without the burden of interest.
With Phase II set to launch soon, even more opportunities will open for small and medium businesses across Punjab. For anyone dreaming of growing their business, this scheme can become the foundation of long-term success.
