The Punjab government has introduced the Asaan Karobar Finance Programme to support small and medium enterprises (SMEs) in the province. This initiative, led by Chief Minister Maryam Nawaz, aims
to provide interest-free loans ranging from Rs. 1 million to Rs. 30 million. Businesses can repay these loans in easy installments, making it an excellent opportunity for entrepreneurs to grow their
businesses.
In this article, we’ll walk you through the online application process, eligibility criteria, required documents, and the program’s key features.
Online Procedure For Applying Maryam Nawaz Loan Program 2025
Key Highlights of the Asaan Karobar Finance Programme
- Interest-Free Loans: Loans from Rs. 1 million to Rs. 30 million with zero interest.
- Easy Repayment Plans: Loans are repayable in affordable installments.
- No Pre-Approval Requirements: No need for NOCs, business licenses, or blueprints.
- Support for Small Businesses: Entrepreneurs can expand or start new ventures.
- Land Subsidy: Land for businesses is available at discounted rates.
- Free Solar Systems: Solar systems worth Rs. 500,000 are provided for industries in export zones.
Eligibility Criteria
To apply for the Asaan Karobar Finance Programme, you must:
- Be between 21 and 57 years old.
- Have a valid CNIC and a registered mobile number.
- Own or plan to start a business in Punjab.
- Be a tax filer with a clean credit history.
- Provide references and necessary documentation related to your business and residence.
Documents Required for Application
Ensure you have the following documents ready before applying:
- CNIC and a passport-size photo.
- Proof of tax filing.
- Details of business income and expenses.
- Rent agreement or property documents for business and residence.
- CNIC copies and contact details of references.
بچوں کے تعلیمی وظائف کی اپلائی کرنے کے لۓ یہاں پر کلک کریں۔۔
Online Application Procedure for Maryam Nawaz Loan Programme
Follow these steps to apply for the loan:
1. Visit the Official Websites
- Go to akf.punjab.gov.pk for the finance program.
- Visit akc.punjab.gov.pk for the Asaan Karobar Card.
2. Fill Out the Application Form
- Provide basic personal details like your CNIC number, contact information, and business details.
- Fields marked with an asterisk (*) are mandatory.
3. Submit Required Documents
- Upload scanned copies of your CNIC, proof of business ownership (if applicable), and other required documents.
- Ensure all documents are clear and complete.
4. No Need for NOCs or Licenses
- No No-Objection Certificates (NOCs), licenses, or blueprints are required, making the process easier and faster.
5. Application Review
- The Bank of Punjab will review your application. Once approved, you will be notified, and the loan amount will be disbursed.
6. Helpline Assistance
- For any queries, call the helpline at 1786 for guidance.
How to Use the CM Punjab Loan Scheme?
Funds from the loan can be used for:
- Paying vendors and suppliers.
- Covering utility bills.
- Paying government fees.
- Cash withdrawals (up to 25% of the loan limit).
Borrowers must register with PRA/FBR within six months of receiving the loan.
The Asaan Karobar Finance Programme is a revolutionary initiative by the Punjab government to empower entrepreneurs and foster economic growth. Apply today to take the first step toward expanding or starting your business!