By ABDULLAH 
The Asaan Karobar Loan Scheme 2025, launched by Punjab Chief Minister Maryam Nawaz Sharif, is one of the most ambitious government initiatives to support entrepreneurs, SMEs, and startups in Pakistan. With a focus on youth, women, rural entrepreneurs, and marginalized groups, the scheme offers interest-free business loans to strengthen economic growth and create employment opportunities.
Unlike traditional loan programs, the Asaan Karobar Loan Scheme ensures that financial limitations do not block a promising idea. By offering zero-interest loans and flexible repayment terms, the government is directly encouraging entrepreneurship and innovation.
The scheme operates under two main financing tiers, along with the exclusive Asaan Karobar Card:
- Tier-1 (Unsecured Loans):
- Loan amount: Up to PKR 5 million
- Collateral: Not required (only a personal guarantee)
- Processing fee: PKR 5,000
- Tier-2 (Secured Loans):
- Loan amount: PKR 6 million – PKR 30 million
- Collateral: Required
- Processing fee: PKR 10,000
- Asaan Karobar Card:
- Loan amount: Up to PKR 1 million
- Collateral: None
- Quick and flexible access to funds
- Repayment period: Up to 5 years
- Grace period: 6 months for new businesses, 3 months for existing ones
To apply for the Asaan Karobar Loan, applicants must:
- Be a resident of Punjab with a valid CNIC
- Fall within the age bracket of 25–55 years
- Present a feasible business plan or expansion proposal
- Maintain a clean credit history
- For existing businesses: provide registration documents and operational history
- Belong preferably to priority groups (women, youth, differently-abled persons, rural entrepreneurs)
- Online Registration: Apply through the official CM Punjab Asaan Karobar Scheme portal.
- Choose Loan Tier: Select financing based on your needs and collateral availability.
- Prepare Documents:
- CNIC copy
- Business plan
- Passport-size photos
- Financial records (for existing businesses)
- Collateral documents (Tier-2 only)
- Pay Processing Fee:
- PKR 5,000 for Tier-1
- PKR 10,000 for Tier-2
- Approval & Disbursement: Once approved, the loan is transferred directly to the applicant’s bank account.
The Asaan Karobar Finance Scheme is more than just a loan program. It is a step toward building a culture of self-employment, innovation, and economic empowerment in Punjab. By easing access to capital, the government is enabling thousands of Pakistanis to pursue their business ideas confidently.