The Applicant needs 8 Requirements To Get the Asaan Karobar Loan Scheme 2025. The Asan Karobar Scheme, launched by Punjab Chief Minister Maryam Nawaz, is a groundbreaking initiative designed to improve the economy through supporting small and medium-sized enterprises. The AKF Punjab Loan scheme offers low-interest loans, business-friendly policies as well as solar systems that help entrepreneurs expand their business.
Asaan Karobar Loan Scheme 2025
The Asaan Karobar Loan Scheme 2025 has been designed to help small-scale entrepreneurs in Punjab by providing loans that are interest-free up to PKR one million. The scheme, which is structured using digital platforms such as mobile applications or POS platforms, guarantees the transparency of businesses and assists them in managing their money effectively.
AKF Scheme 2025
| Title | AKF Scheme 2025 |
| Announced Date | 17 January 2025 |
| Loan Limit | Up to PKR 1 million |
| AKF Scheme | Apply Online |
| Loan Tenure | 3 Years |
Eligibility Criteria for Asaan Karobar Card
- Age Range: 21 to 57 years
- Residency: Pakistani national residing in Punjab
- Valid CNIC and Contact: Your CNIC and mobile number must be registered in your name.
- Business Location: Existing or prospective business in Punjab
- Credit Assessment: Satisfactory credit and psychometric evaluation
- Clean Credit History: No overdue loans or default history
- Application Limit: Only one application per individual and business
- Tax Registration: Mandatory registration with PRA or FBR within six months of card issuance
Loan Usage and Repayment Details
| Details | Description |
|---|---|
| First 50% Limit | Available for use within the first 6 months |
| Grace Period | 3 months after card issuance before monthly installments begin |
| Repayment After 3 Months | Minimum monthly payment: 5% of the outstanding loan balance (principal only) |
| Second 50% Limit | Released upon satisfactory usage, timely repayments, and tax registration (PRA/FBR) |
| Repayment Term | Remaining balance repaid over 2 years in equal monthly installments (EMIs) |
| Allowed Usage | Business-related activities such as vendor payments, bills, taxes, and cash withdrawal for business purposes |
| Restricted Usage | Non-business-related transactions like personal expenses and entertainment are blocked |
How to Apply Online for Asaan Karobar Loan Scheme 2025
Applicants must have scanned copies or clear pictures of the following documents ready before starting the application: passport-size pictures and CNIC.
Also, there is a need to ensure before starting that these items are needed:
- Mobile number associated with CNIC
- Names, CNIC copies, and mobile numbers of two references (who are not blood relatives)
- Active tax filer proof
- Business income and expenses information
- Rent Agreement, Transfer Letter, or Registry related to business and residence addresses, as applicable (copies)
- Fee ready for payment application
- Collateral (e.g., Property Transfer Letter, Registry, Fard, or Government Securities)
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