The Government of Punjab has launched the CM Punjab Asaan Karobar Finance Program. It a new initiative to support Small and Medium Enterprises (SMEs) across the province.
This program provides interest-free loans to help young entrepreneurs and business owners start or expand their businesses. It aims to promote economic growth, job creation, and exports in Punjab by supporting key business sectors.
Purpose of the Assan Karobar Loan Program
The program is designed to assist both new and existing businesses. It focuses on helping people who want to start their own ventures or expand current ones.
The loans can be used for the following purposes:
- New Businesses: Funding for startups and small enterprises.
- Existing Businesses: For business expansion, modernization, or working capital.
- Leasing: Financing for commercial logistics vehicles.
- RECP Technologies: Support for environment-friendly and climate-smart businesses.
Eligibility Criteria of CM Punjab Asaan Karobar Finance Program
To qualify for the CM Punjab Asaan Karobar Finance Program, applicants must meet the following conditions:
| Category | Requirement |
| Small Enterprises | Annual sales up to PKR 150 million |
| Medium Enterprises | Annual sales between PKR 150 million – PKR 800 million |
| Age Limit | 25 to 55 years |
| Tax Status | Must be an active FBR tax filer with a clean credit history |
| Location | Business and residence must be in Punjab |
| Documents Required | Valid CNIC and NTN |
| Business Premises | Must own or rent the place of business |
Asaan Karobar Loan Scheme 2025 Details
The program offers two tiers of loans depending on the amount and type of security required.
| Tier | Loan Amount (PKR) | Security | Tenure (Up to) | End-User Rate | Processing Fee (PKR) |
| T1 | 1 million – 5 million | Personal Guarantee | 5 years | 0% | 5,000 |
| T2 | 6 million – 30 million | Secured | 5 years | 0% | 10,000 |
Grace Period
The government is also providing a grace period for easy repayment.
- Startups / New Businesses: Up to 6 months grace period.
- Existing Businesses: Up to 3 months grace period.
This period allows borrowers to start their operations before beginning repayments.
Equity Contribution
Applicants need to contribute a small percentage of equity depending on the type of loan and category.
| Category | Equity Contribution |
| T1 (Except leased vehicles) | 0% |
| Leased Vehicles | 25% |
| Other Loans (T1 & T2) | 20% |
| Females, Transgender, Differently-Abled | 10% |
This flexible policy encourages more participation from women, differently-abled, and transgender entrepreneurs.
Repayment Terms
Borrowers will repay the loan through equal monthly installments as per their loan approval terms.
If any payment is delayed, a late charge of PKR 1 per 1,000 per day will apply on overdue amounts.
Additional Costs
The following additional charges may apply depending on the type of business:
| Type of Cost | Details |
| Handling Fee (New Businesses) | NIL |
| Handling Fee (Existing Businesses) | 3% per annum |
| Handling Fee (Climate-Friendly Businesses in T2) | NIL |
| Insurance, Legal & Registration | As per actual costs |
These charges ensure transparency while keeping the program affordable for small business owners.
How to Apply for Asaan Karobar program 2025
Applicants can apply for the Asaan Karobar Finance program through the official government website: https://akf.punjab.gov.pk/cmpunjabfinance
Interested entrepreneurs should prepare all required documents, including CNIC, NTN, business proof, and FBR tax details, before applying.
Asaan Karobar Program Helpline Number
For more information or guidance about the loan process, applicants can contact the official helpline: 1786
Trained representatives are available to help applicants understand the process and check eligibility.
A Step Toward Economic Growth
The CM Punjab Asaan Karobar Finance Program 2025 marks a major step toward empowering entrepreneurs in Punjab.
By offering interest-free loans, the government aims to encourage more people to start businesses, create jobs, and contribute to the province’s economy.
This initiative reflects the Punjab government’s strong commitment to inclusive growth and economic empowerment for all citizens.
FAQs
What is the CM Punjab Asaan Karobar Finance Program?
It is a government initiative by the Punjab Government that provides interest-free loans to help small and medium businesses (SMEs) start, expand, or modernize their operations.
Is the Asaan Karobar Finance loan really interest-free?
Yes. The end-user rate is 0%, which means you don’t have to pay any interest on the loan amount.
What is Asaan Karobar Finance loan repayment period?
You can repay the loan in equal monthly installments over a period of up to 5 years.