The CM Punjab Asaan Karobar Card 2025, introduced under the visionary leadership of Chief Minister Maryam Nawaz Sharif, is a groundbreaking initiative by the Government of Punjab. It aims to empower small entrepreneurs, shopkeepers, and startup owners by providing interest-free business loans through a digital SME card.
Through this program, Punjab’s small business owners can now apply online and receive credit support up to PKR 1 million to expand or sustain their enterprises. The card offers a fully digital, transparent, and efficient financial ecosystem, integrating tools like mobile applications, POS systems, and PITB monitoring for real-time accountability.
Objective of the Scheme
The Asaan Karobar Card Scheme focuses on:
- Encouraging entrepreneurship and self-employment across Punjab
- Providing interest-free revolving credit to small and medium businesses
- Promoting digital financial inclusion
- Supporting rural and urban entrepreneurs equally
- Enhancing economic stability through business growth
This initiative aligns with the Punjab Government’s broader agenda of economic revival, youth empowerment, and digital governance.
Also Read: CM Sarsabz Punjab Scheme
Key Features of CM Punjab Asaan Karobar Card
| Feature | Details |
|---|---|
| Maximum Limit | Up to PKR 1 million |
| Loan Tenure | 3 years (12-month revolving credit + 24-month repayment) |
| Interest Rate | 0% interest – completely interest-free |
| Grace Period | 3 months after card issuance |
| Application Fee | PKR 500 (non-refundable) |
| Repayment Plan | Equal monthly installments (EMIs) |
| Loan Usage | Vendor payments, utility bills, government taxes, POS/mobile payments, up to 25% cash withdrawal |
| Digital Monitoring | PITB online portal, Urban Unit verification |
| Security | Digital guarantee, life assurance included |
Who Can Apply – Eligibility Criteria
Before you apply online for the CM Punjab Asaan Karobar Card, make sure you meet the eligibility requirements listed below:
- Pakistani citizen residing in Punjab
- Age between 21 to 57 years
- Valid CNIC registered in applicant’s name
- Active mobile number
- Existing or new business in Punjab
- Satisfactory credit and psychometric assessment
- Clean financial history (no overdue loans)
- Only one application per individual or business
This scheme is open to small entrepreneurs, startups, and small traders registered or operating within Punjab.
How to Apply Online for CM Punjab Asaan Karobar Card
Follow these steps to apply online for the Asaan Karobar Card:
- Visit the Official Portal:
Go to the CM Punjab Asaan Karobar Portal (operated by PITB). - Register Your Details:
Fill in your CNIC number, mobile number, and business information. - Submit Processing Fee:
Pay the non-refundable PKR 500 application fee digitally. - Verification Process:
PITB and authorized agencies will conduct digital verification of your identity, business premises, and credit score. - Approval & Card Issuance:
Once verified, the system issues a Digital SME Card (Asaan Karobar Card) linked to your loan limit. - Use the Card:
You can now make vendor payments, pay bills, or withdraw up to 25% cash as permitted.
CM Punjab Kisan Card – Sub-Program for Farmers
The Kisan Card is part of the broader Asaan Karobar initiative designed specifically for farmers and agricultural entrepreneurs in Punjab.
With this card, farmers can access interest-free agricultural loans, buy fertilizers, seeds, and pay for farming equipment all through a digital platform.
Steps to Apply for Kisan Card Online:
- Visit the CM Punjab Kisan Card application portal.
- Click “8070 Kisan Card Apply Online.”
- Enter your CNIC and mobile number.
- Upload required documents (farm ownership or lease papers).
- Submit your application and note your reference number.
How to Check CM Punjab Kisan Card Status Online
After applying, you can track your Kisan Card status in a few steps:
- Visit the official Kisan Card Status Check page.
- Enter your CNIC and application number.
- Click Check Status.
- You’ll see whether your application is Pending, Approved, or Rejected.
Tip: Keep your application reference number safe for tracking and future updates.
CM Punjab Asaan Karobar Card Login & Dashboard Access
Once approved, you can log in to the CM Punjab Finance Portal to manage your loan account:
- Check available balance
- View repayment schedule (EMIs)
- Monitor transaction history
- Download digital statements
- Access customer support
Login Link: CM Punjab Finance Portal
Loan Usage & Repayment Structure
| Loan Component | Details |
|---|---|
| Initial Disbursement | 50% of approved amount available in first 6 months |
| Remaining Limit | Released after proper usage and registration with PRA/FBR |
| Grace Period | 3 months before repayment starts |
| Monthly Repayment | Minimum 5% of outstanding principal after grace period |
| Total Tenure | 36 months (3 years) |
| Card Fees | Annual fee PKR 25,000 + FED + life assurance |
| Verification | Physical and digital verification annually by Urban Unit |
Digital Verification and Transparency
The scheme ensures complete digital monitoring and transparency:
- PITB oversees online data verification
- Urban Unit conducts physical business inspections
- Life assurance protects both lender and borrower
- Cash restrictions prevent misuse for non-business purposes
This ensures that funds are utilized only for business growth and not diverted elsewhere.
Helpline & Support Services
For any queries or assistance regarding your Asaan Karobar Card, you can contact:
- Helpline: 1786
- Official Website: finance.punjab.gov.pk
- Support Agencies: PSIC, BOP, PITB
They also provide startup feasibility templates, business mentorship, and loan repayment guidance.
Impact on Punjab’s Economy
The Asaan Karobar Card Scheme is expected to:
- Empower over 100,000 small entrepreneurs by 2026
- Generate thousands of new jobs across Punjab
- Reduce dependency on traditional bank loans
- Encourage women and youth participation in small businesses
By digitizing SME financing, the program strengthens Punjab’s local economy and supports sustainable growth.
Related Government Welfare Programs
For better financial inclusion, the Punjab Government has launched several complementary programs:
| Program Name | Focus Area |
|---|---|
| CM Punjab Kisan Card | Agricultural financing |
| Sehat Card Pakistan | Free healthcare coverage |
| CM Punjab E-Bike Scheme | Eco-friendly transport for students |
| CM Sarsabz Punjab Scheme | Solar and agricultural modernization |
| CM Punjab Honhaar Scholarships | Educational financial aid |
Interlinking these initiatives builds a comprehensive support system for Punjab’s youth, farmers, and small business owners.
Conclusion:
The CM Punjab Asaan Karobar Card 2025 is a revolutionary step by Chief Minister Maryam Nawaz Sharif toward empowering Punjab’s small business community.
With interest-free loans, a fully digital process, and strong government oversight, this initiative ensures financial inclusion, economic growth, and transparency.
Whether you’re a shopkeeper, startup founder, or farmer this program makes it asaan (easy) to grow your business with zero-interest financing and complete digital control.
FAQs – Frequently Asked Questions
Q1: What is the CM Punjab Asaan Karobar Card?
It’s a government-backed SME financing scheme offering interest-free loans up to PKR 1 million.
Q2: Who can apply for this scheme?
Any small entrepreneur, trader, or business owner in Punjab aged 21–57 years with a valid CNIC.
Q3: Is there any interest or markup on the loan?
No, the loan is completely interest-free (0%).
