CM Punjab Asaan Karobar Card (AKC) 2025 Apply Online – Details
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Subscribe on YouTubeIf you run a small business in Punjab or want to start one, then CM Punjab Asaan Karobar Card is for you! The Punjab government has launched this amazing scheme to provide interest-free loans up to Rs. 10 lakh to help small businesses grow.
With this smart CM business Karobar card, you can get easy financial help and manage your business expenses without any worries. So, keep reading till the end to get complete details!
What is CM Punjab Asaan Karobar Card (AKC)?
The CM Punjab Asaan Karobar Card is a business loan card from the Punjab government. It gives interest-free loans to small and medium businesses (SMEs). This means business owners can borrow money without extra charges and focus on growing their business. Below are the full details of this card:
Karobar Card Loan Scheme Details 2025
Here are the benefits of the CM Punjab Asaan Karobar Card—once you get it, you can easily access a loan to take your business further!
| Benefit | Details |
|---|---|
| Loan Amount | Get up to Rs. 10 lakh |
| Loan Type | No interest, easy to return |
| Loan Tenure | 3 years (36 months) |
| Grace Period | No payments for the first 3 months |
| Next 9 Months | Flexible use, repay as needed |
| Repayment | 24 small monthly payments after the first year |
| Example Repayment | If you take Rs. 10 lakh, you pay about Rs. 41,667 per month for 2 years |
| Usage | Use the loan for business needs, like buying stock, paying suppliers, rent, and bills |
With this card, you can grow your business without worrying about extra costs!
Who Can Apply for this Card? (CM Punjab AKC Eligibility Criteria)
Want to apply for this loan? Check if you qualify!
- You must be a resident of Punjab
- Your age should be between 21 and 57 years
- You should have a small business in Punjab (existing or new)
- You must have a valid CNIC and registered mobile number
- Your business must be legal and registered
- You should not have any unpaid bank loans
If you meet these conditions, congratulations! You can apply for the CM Punjab Asaan Karobar Card.
How to Apply for CM Punjab Asaan Karobar Card in 2025?
Applying for the Asaan Karobar Card (AKC) is simple and fully digital. Follow these easy steps:
Step 1: Visit the Official Portal
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Go to the Punjab Government’s official website for the Asaan Karobar Card.
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Click the “button” to begin your application.
Apply Now For CM Punjab Karobar Card
Step 2: Sign Up & Fill Out the Application Form
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Register using your CNIC and mobile number.
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Provide the following details:
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Personal Information: Name, Father’s Name, CNIC Number, Date of Birth, CNIC Issue & Expiry Date.
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SIM Details: Mobile network, SIM number (including first code), and a secure password.
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After registration, proceed to fill out the online application form.
Step 3: Provide Business Details
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Enter key information about your business, including:
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Business Type (e.g., small enterprise, startup, etc.).
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Registration Number (if applicable).
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Annual Revenue (estimated earnings).
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Step 4: Upload Required Documents
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Attach scanned copies of:
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CNIC (front & back).
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Business Registration Proof (if available).
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Bank Account Details.
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Any other required documents.
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Step 5: Pay Processing Fee & Submit Application
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Pay a small Rs. 500 processing fee.
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Submit your application online and wait for approval.
Step 6: Collect Your Asaan Karobar Card
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Once approved, collect your Asaan Karobar Card from the designated bank.
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You can now use the card for business purposes and avail financing support.
This card provides financial ease, allowing you to grow your business with flexible funds. Apply today and take the next step toward success!
How to Use the Asaan Karobar Card?
Once you receive your Asaan Karobar Card, you can use it just like a debit card for business-related transactions. Here’s how:
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Withdraw Cash – You can withdraw up to 25% of the total credit limit in cash.
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Pay Suppliers & Vendors – Use the card to make payments for business purchases and supplies.
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Make Digital Transactions – The card works with POS machines, mobile apps, and online platforms for seamless digital payments.
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Pay Business Utility Bills & Taxes – Use it to pay electricity bills, internet charges, and business-related taxes.
Note: AKC Card cannot be used for personal expenses such as entertainment, shopping, or non-business-related purchases.
Punjab Aasan Karobar Card is designed to support entrepreneurs by providing financial flexibility for business growth. Use it wisely to manage your business expenses efficiently!
CM Punjab Asaan Karobar Loan Repayment
| Stage | Details |
|---|---|
| First 50% of Loan Amount | You can access half of your loan within the first 6 months. |
| Grace Period | No repayment needed for the first 3 months after receiving the card. |
| Repayment Begins | After 3 months, start paying at least 5% per month. |
| Second 50% of Loan Amount | The remaining loan is given after good usage & timely repayments. |
| Total Repayment Duration | The full loan must be repaid within 24 months (2 years). |
Good news: If you repay on time, you may qualify for a higher loan limit in the future!
AKC CARD Terms & Conditions
Before applying, keep these things in mind:
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Only 1 person per family can apply for the loan.
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Loan must be used strictly for business purposes – no personal spending allowed.
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You must register with PRA/FBR within 6 months of receiving the card.
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Your business location will be verified before loan approval.
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You cannot transfer this loan to another person.
If you follow all the rules, you can benefit from this zero-interest business loan without any trouble!
Contact & Helpline
If you still have any questions or need any type of help, contact the Punjab government helpline:
Helpline Number: 1786
Managed by: Punjab Small Industries Corporation (PSIC) & Punjab Information Technology Board (PITB)
For more details, visit akc.punjab.gov.pk
FAQs
Can I apply if I am unemployed but want to start a business?
- Yes! If you have a business idea and meet the eligibility criteria, you can apply. You may need to provide a basic business plan to show how you’ll use the loan.
Can women entrepreneurs apply for this loan?
- Yes! Both men and women can apply. Female entrepreneurs are encouraged to take advantage of this interest-free loan.
Do I need a bank account before applying?
- No! If you don’t have a bank account, Bank of Punjab (BOP) will open one for you during the application process.
What happens if I miss a repayment installment?
- Late payments may result in penalties as per the bank’s policy. Always pay on time to avoid issues with future financial assistance.
Can I apply if I already have a loan from another bank?
- Yes, but only if you don’t have any overdue or defaulted loans. Your financial history will be checked before approval.
Is this loan available for home-based businesses?
- Yes! If you have a home-based business (tailoring, handicrafts, online selling, etc.), you can apply and use the loan for business-related expenses.
Can I withdraw the full loan amount in cash?
- No! You can only withdraw 25% of the loan in cash. The rest must be used for digital transactions (POS, online payments, supplier payments, etc.).
How long does the application process take?
- The approval process usually takes 2-3 weeks after submission. Delays may happen if extra verification is required.
Can I apply if I am a non-filer?
- Yes, but you must register with FBR/PRA within 6 months of getting the loan. If you fail to do so, your card may be blocked or limited.
Is there any fee for applying?
- Yes! A small non-refundable processing fee of Rs. 500 is required at the time of application.
If you are a farmer, the Kissan Punjab Card will be very beneficial for you! Learn how to get it and all the details here.
Conclusion
The CM Punjab Asaan Karobar Card 2025 is a game-changer for small businesses, giving you a huge chance to grow without any financial stress! If you need funds to expand, invest, or stabilize your business, this interest-free loan of up to Rs. 10 lakh is the support you’ve been waiting for. Don’t wait! Apply today and take your business to the next level!
 Share this with anyone who needs funds to start or grow their business! This card can change lives!
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