Punjab Asaan Karobar Finance Scheme 2025 Complete Details

The Punjab Asaan Karobar Finance Scheme 2025 is an initiative by the Punjab government aimed at providing financial support to small and medium enterprises (SMEs) in the region. The program offers interest-free loans to eligible businesses, helping entrepreneurs expand, modernize, or start new businesses. Whether you’re looking for startup funds or capital for an existing business, this scheme is designed to support your growth.

یہ سکیم پنجاب میں کاروبار کرنے والوں کے لئے بہترین موقع ہے، خاص طور پر ان افراد کے لئے جو اپنے کاروبار کو بڑھانا چاہتے ہیں یا نیا کاروبار شروع کرنا چاہتے ہیں۔

In this article, We’ll guide you through the entire process through the entire process, including eligibility criteria, loan details, and how to apply online for the Asaan Karobar Finance scheme. By the end of this guide, you will be ready to submit your application and take advantage of this financial assistance.

What is the Punjab Asaan Karobar Finance Scheme?

The Punjab Asaan Karobar Finance Scheme is a government-led initiative designed to help small and medium businesses in Punjab by offering interest-free loans. The objective is to foster economic growth, job creation, and increased exports by supporting businesses in priority sectors.

کامیاب کاروبار کے لئے سرمایہ کی کمی کو دور کرنے کے لئے حکومت نے یہ سکیم متعارف کرائی ہے۔ اس کے ذریعے کاروباری افراد اپنے کاروبار کو بڑھا سکتے ہیں، جدید بنا سکتے ہیں یا نیا کاروبار شروع کر سکتے ہیں۔

Key Features of the Scheme

Feature	Details
Loan Amount	PKR 1M to PKR 30M
Interest Rate	0% (Interest-Free)
Loan Tenure	Up to 5 years
Target Beneficiaries	SMEs in Punjab
Eligibility Criteria	Small and Medium Enterprises (SMEs) with specific criteria
Application Method	Online via Asaan Karobar Portal

Eligibility Criteria for Punjab Asaan Karobar Finance Scheme 2025

To qualify for the Asaan Karobar Finance scheme, you need to meet the following eligibility criteria

1. Business Size:
   • Small Enterprises: Annual sales up to PKR 150 million
   • Medium Enterprises: Annual sales between PKR 150 million and PKR 800 million
2. Age: The applicant must be between 25 to 55 years old.
3. Tax Filers: Active FBR tax filers with a clean credit history.
4. Business Location: Both the applicant’s residence and business must be located in Punjab.
5. Business Ownership: You must either own or have rented the place of your existing business.
6. Required Documents: CNIC, NTN, and business registration details.

اگر آپ کے کاروبار کی آمدنی چھوٹے یا درمیانے درجے کے کاروبار کے معیار پر پورا اترتی ہے اور آپ پنجاب کے رہائشی ہیں تو آپ اس سکیم کے لیے درخواست دے سکتے ہیں۔

Loan Details

The loan offers interest-free funding for both new and existing businesses, with different tiers based on the loan amount and security.

Tier	Loan Amount (PKR)	Security	Loan Tenure	Processing Fee (PKR)	Grace Period
T1	1M-5M	Personal Guarantee	Up to 5 years	5,000	Up to 6 months (for startups)
T2	6M-30M	Secured	Up to 5 years	10,000	Up to 3 months (for existing businesses)

Equity Contribution

T1 Loans: 0% (except for leased commercial vehicles which require 25% equity).

T2 Loans: 20% equity (for all cases except climate-friendly businesses, which have 0% equity for T2 loans).

Special Contribution: 10% equity for females, transgender individuals, and differently-abled persons.

آپ کو قرض کی درخواست کرتے وقت اپنی کاروباری ضروریات کے مطابق مناسب ٹائر منتخب کرنا ہوگا۔

How to Apply for the Asaan Karobar Finance Scheme Online

The application process for the Asaan Karobar Finance Scheme is simple and can be completed online. Follow these steps to apply

1. Step 1: Visit the Official Portal

Go to the official Punjab Asaan Karobar Portal.

2. Step 2: Register for an Account

Click on Sign Up and provide your business and personal details (CNIC, NTN, etc.).

After registration, you will receive a confirmation email.

3. Step 3: Log In to Your Account

Use your registered CNIC and password to log in.

4. Step 4: Complete the Application Form

Fill in your business details, loan type, and other required information.

Upload supporting documents as required.

5. Step 5: Submit Your Application

Review the details and submit your application for review.

Once submitted, you will receive a confirmation SMS if your application meets the eligibility criteria.

آپ کو اپنی درخواست کی تکمیل کے بعد ایک تصدیقی ایس ایم ایس موصول ہوگا، جس سے آپ کو اپنی درخواست کی معلومات کا پتا چلے گا۔

Required Documents for Punjab Asaan Karobar Finance Scheme Registration

Make sure you have the following documents ready before applying

• CNIC of the business owner.
• NTN (National Tax Number) for tax filers.
• Proof of business ownership (property documents or lease agreements).
• Any other documents required based on your loan tier.

یقینی بنائیں کہ آپ کی درخواست میں تمام ضروری دستاویزات شامل ہیں، تاکہ آپ کی درخواست بغیر کسی رکاوٹ کے مکمل ہو سکے۔

Important Notes About the Asaan Karobar Finance Scheme

Grace Period: New businesses are allowed a grace period of up to 6 months, while existing businesses can avail of up to 3 months.

Repayment Terms: Monthly repayments with equal installments as per approval.

Late Charges: PKR 1 per 1000/day for overdue amounts.

Special Schemes: Climate-friendly businesses under T2 have 0% equity and no annual interest.

اس سکیم کے تحت آپ کو ماہانہ قسطوں میں ادائیگی کرنی ہوگی اور دیر سے ادائیگی پر معمولی چارجز بھی لگ سکتے ہیں۔

Conclusion

The Punjab Asaan Karobar Finance Scheme 2025 is an incredible opportunity for SMEs in Punjab to receive financial support and grow their businesses with easy online registration, interest-free loans, and flexible repayment terms, this initiative aims to foster economic development across the province.

اگر آپ اس سکیم کے اہل ہیں، تو آپ کو یہ موقع ضائع نہیں کرنا چاہیے۔ آج ہی درخواست دیں اور اپنے کاروبار کو ترقی دیں۔

For any inquiries or assistance, feel free to contact the helpdesk at the official website or helpline number 1786

Frequently Asked Questions