Asaan Karobar Finance Scheme (آسان کاروبار فنانس سکیم) – 2025: Empowering Punjab’s Entrepreneurs with Interest-Free Loans

Amid Pakistan’s economic challenges, the Punjab Government has rolled out the Asaan Karobar Finance Scheme to foster business growth and support the province’s economy. The program offers interest-free loans of up to Rs. 30 million, aimed at providing financial relief to entrepreneurs and helping them establish or expand their businesses.
This initiative is designed to assist start-ups and also support existing businesses in their growth journey. By providing financial aid to sectors like agriculture, manufacturing, and small-medium enterprises (SMEs), the scheme opens doors to exciting new opportunities for business owners. With approval from the Punjab Government, this program is an essential step toward boosting the local economy, creating job opportunities, and empowering businesses to thrive.

  • Asaan-Karobar-Scheme
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Interest-Free Loan

Loan Amount: Up to Rs. 30 Million

Loan Tenure: Flexible terms of up to 5 Years

Easily Payable Installments

Simple, digitalized processing

What is Asaan Karobar Finance Scheme?

The Asaan Karobar Finance Scheme, a revolutionary multi-million-rupee initiative, has been launched by the Government of Punjab to provide crucial support to entrepreneurs. This first-of-its-kind scheme is designed to offer interest-free loans of up to Rs. 30 million (Rs. 3 Crore), aimed at empowering business owners across Punjab. The program targets various sectors, including agriculture, small-medium enterprises (SMEs), and other growth-driven industries. Its primary objectives are to drive economic development, boost exports, and create employment opportunities in the region.


The Punjab Government has set an ambitious goal to establish 100,000 new start-ups throughout the province. To ensure the success of these ventures, the CM Punjab also directed that business plans be provided to these start-ups, ensuring they have the guidance and support needed for long-term growth and sustainability.

Additionally, CM Maryam Nawaz Sharif approved the introduction of the “Asaan Business Card” (or “Asaan Karobar Card”). This initiative aims to provide small businesses with interest-free loans of up to Rs. 1 million to support their business-related expenses, ensuring financial empowerment for entrepreneurs at all stages. facilitating small business owners by offering interest-free loans for business-related activities.

  • Launch-of-Asaan-Karobar-Finance-Scheme-CM-Punjab-Express-News-Urdu

Source: Express New

  • Launch-of-Asaan-Karobar-Finance-Scheme-CM-Punjab-Express-News-Urdu-Report

Source: Dawn News

What is Asaan Karobar Finance Scheme?

The Asaan Karobar Finance Scheme offers numerous benefits to entrepreneurs, helping them unlock opportunities and drive their businesses toward success. Below are some of the key advantages:

  • Benefits of the Asaan Karobar Finance Scheme
  • The scheme is designed to significantly contribute to Punjab’s economic growth, supporting businesses that drive local production, increase exports, and create new jobs. By empowering entrepreneurs across various sectors, this initiative will fuel economic development in the province.
  • Promoting Exports and Creating Job Opportunities
  • A major focus of the scheme is to encourage businesses to expand exports, both within and outside of Pakistan. Additionally, it is aimed at creating thousands of new jobs by establishing start-ups and empowering existing businesses to grow and scale.
  • Empowering Small and Medium-Sized Entrepreneurs
  • The Asaan Karobar Finance Scheme specifically targets small and medium-sized enterprises (SMEs), offering them the financial assistance they need to modernize, grow, and increase their market reach. This support ensures that entrepreneurs can innovate and compete with larger businesses.
  • Commercial Logistics Leasing
  • The scheme also includes provisions for businesses seeking to establish or expand their commercial logistics operations. By offering long-term, affordable leasing options, entrepreneurs can reduce the costs associated with setting up and expanding their logistics infrastructure.
  • Startup Funding for New Entrepreneurs
  • New entrepreneurs looking to start a business are encouraged to apply for startup funding under this scheme. Whether it’s funding for equipment, initial capital investment, or other essential start-up costs, the Asaan Karobar Finance Scheme offers crucial financial support to help new businesses get off the ground.
  • Empowering and Modernizing Existing Operations
  • For established businesses, the scheme provides financial aid to modernize operations and expand existing setups. Whether it’s upgrading technology or enhancing infrastructure, the scheme helps businesses stay competitive and adapt to modern business practices.
  • Supporting Climate-Friendly Businesses
  • The Asaan Karobar Finance Scheme encourages businesses that adopt eco-friendly practices by offering financial support for projects that use Resource Efficient and Cleaner Production (RECP) Technologies. This initiative promotes sustainable development while reducing environmental impacts.

Note: By offering these valuable benefits, the Asaan Karobar Finance Scheme positions itself as a game-changer for entrepreneurs and business owners across Punjab, offering comprehensive support and ensuring sustainable growth for businesses of all sizes.

Benefits of Asaan Karobar Finance Scheme

Interest-free loan of up to 30 Million or 3 Crore
Pakistani Rupees

Additional Incentives

  • Rs. 5 Million Capital Subsidy for Solar Equipment and Production Technologies
  • Entrepreneurs can avail a capital subsidy of Rs. 5 million to invest in solar equipment and cleaner production technologies. This financial support encourages businesses to adopt sustainable practices while reducing energy costs, contributing to the province’s long-term environmental and economic goals.
  • Non-Financial Advisory Services for Small Industrial Estates
  • Along with financial support, the scheme offers non-financial advisory services to help entrepreneurs in the development of new small industrial estates. This guidance covers aspects such as business planning, infrastructure development, and market strategy, ensuring that businesses not only receive financial backing but also the expert support needed for success.
  • Long-Term Leases to Avoid High Land Acquisition Costs
  • To help businesses overcome the challenge of high land acquisition costs, the scheme provides long-term leases of up to 30 years. This enables entrepreneurs to secure the necessary land for their operations without the substantial upfront costs typically involved in purchasing property.

Eligibility Criteria for Asaan Karobar Finance Scheme

The Asaan Karobar Finance Scheme is structured into two distinct tiers, designed to cater to businesses of different sizes and financial needs. These tiers provide flexibility in loan amounts, ensuring that a wide range of entrepreneurs can benefit from this initiative.

Tier-1: Unsecured Loan up to Rs. 5 Million

In Tier-1, applicants can access unsecured loans of up to Rs. 5 million. These loans require personal guarantees from the applicants but do not require additional collateral. This is ideal for small businesses or start-ups that may not have significant assets but require capital to grow or expand.

Tier-2: Secured Loan from Rs. 5 Million to Rs. 30 Million

Tier-2 offers secured loans, ranging from Rs. 5 million to Rs. 30 million. To access this tier, applicants must provide collateral, such as property or other secured assets. This tier is suitable for businesses looking to scale significantly or expand their operations, with larger funding requirements.

Eligibility Criteria for Application:

To qualify for the Asaan Karobar Finance Scheme, applicants must meet the following criteria:

  • Valid CNIC and NTN registration.
  • Age: Applicants must be between 25-55 years old.
  • Tax Filers: Must be active FBR tax filers.
  • Clean Credit History: A clean financial record is required for both tiers.
  • Business Location: The business must be based in Punjab.
  • Additional Documents: Applicants must provide the necessary business documents, such as feasibility reports, land ownership details, or rent agreements, depending on the loan type.

Loan Details

The Asaan Karobar Finance Scheme offers two loan tiers, each with its own set of benefits and eligibility requirements, designed to meet the varying needs of entrepreneurs.

Tier-1 (T1): Unsecured Loan – Up to Rs. 5 Million

  • Loan Amount: Rs. 1 Million to Rs. 5 Million
  • Security: Personal Guarantee (No collateral required)
  • Loan Tenure: Flexible up to 5 Years
  • End-User Interest Rate: 0% (Interest-free)
  • Processing Fee: Rs. 5,000

Tier-1 is ideal for small businesses and start-ups that need financial support but may not have significant assets to secure a loan. The unsecured loan option makes it easier for entrepreneurs to access funding without the need for collateral.

Tier-2 (T2): Secured Loan – Rs. 6 Million to Rs. 30 Million

  • Loan Amount: Rs. 6 Million to Rs. 30 Million
  • Security: Secured (Collateral required)
  • Loan Tenure: Flexible up to 5 Years
  • End-User Interest Rate: 0% (Interest-free)
  • Processing Fee: Rs. 10,000

Tier-2 is intended for businesses looking to expand significantly or for those requiring a higher loan amount. This option is secured, meaning applicants must offer collateral (such as property or assets) to back the loan.

Note: The grace period is up to 6 months for start-ups/ for the new businesses and up to 3 months for the existing businesses..

Equity Contribution

  • 0% Equity Contribution for most businesses, except leased commercial.
  • vehicles, where 25% equity is required.
  • 20% Equity Contribution for all other cases under Tier-2 (secured loans).
  • A reduced 10% equity contribution for females, transgender individuals, and differently-abled persons, promoting inclusivity and diversity in the entrepreneurial landscape.

Additional Costs

  • Handling Fee:
  • NIL for new business setups, making it easier for start-ups to get off the ground without extra fees.
  • 3% p.a for existing businesses, which applies annually to businesses that already have operational history.
  • NIL p.a for climate-friendly businesses (Tier-2 only), incentivizing businesses to adopt sustainable practices.

  • Insurance, legal, and registration charges will be applied based on actual costs, ensuring transparency for entrepreneurs.

Repayment Terms

  • Repayment Method: The loan will be repaid in equal monthly installments, as outlined in the approval terms.
  • Late Charges: A nominal late fee of PKR 1 per 1000/day will be applied on any overdue amounts, ensuring a fair approach to missed payments.

Asaan Karobar Finance Scheme Apply Online

Step 01: Start the Application

  • Click the Apply Button: To begin, click on the “Apply for Asaan Karobar Finance” button.
  • Read Instructions: Carefully review the instructions before proceeding with the application.
  • Acknowledge & Proceed: After reading the instructions, click on the “Acknowledge & Proceed” button at the bottom to begin entering your details.
  • how-to-apply-the-loan

Step 02: Profile Information

  • Enter Personal Details: Provide the following information:
  • Applicant’s Name
    Father/Husband’s Name
    CNIC Number
    Email Address
    Date of Birth (DOB)
    Age
    Gender
    Disability (if applicable), verified by your CNIC.
  • Enter Contact Details:
  • Mobile Number (must be registered in your name).
    Residential Address.
  • Additional Information:
  • NTN Number
    Political Affiliation
    Create a Password for your account.
  • Complete Registration: After entering your details, click on the “Register” button to complete the registration process and log in to proceed with the application.
  • Business-Details

Note: Please double-check your personal information before submitting, as it cannot be changed after registration.

Step 03: Loan Details

  • Provide Loan Information:
  • Date of Establishment of Business: Select the date when your business was established.
    Loan Tier: Choose the appropriate Tier (Tier-1 or Tier-2) for your loan.
  • Enter Loan Requirements:
  • Loan Amount: Specify the required loan amount.
    Loan Tenure: Choose the repayment term for your loan.
  • Additional Information: Provide any other relevant details as required.
  • Credit History: Enter your credit history for evaluation.
  • Save and Proceed: After filling out the details, click on “Save” and then “Next” to move to the next step.
  • References

Step 04: Business Details

  • Enter Business Information:
  • Business Name
    Business Contacts
    Email Address
    Number of Employees
    Any other relevant business details.
  • Save and Proceed: Once all details are entered, click “Save” and then the “Next” button to continue to the next step.
  • Business details

Step 05: Financial Details

  • Enter Business Financial Information:
  • Purpose of the Business
    Nature and Status of the Business
    Provide any other relevant financial details related to your business.
  • Save and Proceed: Once all the information is entered, click “Save” and then “Next” to move on to the next step.
  • Financial Details

Step 06: References

  • Provide Reference Details:
  • Enter the details of your references, ensuring they are not blood relatives or next of kin.
  • Save and Proceed: After entering the reference information, click “Save” and then “Next” to continue to the next step.
  • Relative information

Step 07: Documentation

  • Upload Required Documents:
  • Upload all necessary documents as specified in the application instructions.
  • Complete and Submit: Once all documents are uploaded, click “Submit” to finalize and submit your application.
  • Documentation

More About the Asaan Karobar Finance Scheme

The Government of Punjab is set to expand the Asaan Karobar Finance Scheme with the launch of Phase II in the fiscal year 2025-26. This new phase will have a significantly larger scope, with a funding pool of up to Rs. 100 billion, designed to support a total of 24,000 small and medium enterprises (SMEs) across the province.

With Rs. 379 billion allocated for loan disbursement, this phase aims to provide even greater financial support to entrepreneurs and business owners in a variety of sectors, further contributing to economic growth, job creation, and business expansion throughout Punjab.

Helpline Number

Helpline Number : 1786

Also Check: How to “Submit a Complaint for Asaan Karobar Finance Scheme.”

Asaan Karobar Card (Asaan Business Card)

The Government of Punjab has introduced the Asaan Karobar Card (also known as the Asaan Business Card) to support small entrepreneurs throughout the province. This initiative offers interest-free loans of up to Rs. 1 million for a period of three years, providing critical financial assistance for business growth.

To ensure efficient fund usage, the allocated funds will be distributed through digital platforms, enabling entrepreneurs to easily access and manage their financial resources for business-related activities.

The program aims to benefit over 100,000 small businesses across Punjab, helping them thrive and contribute to the economic development of the region.

  • CM Punjab Maryam Nawaz

This transformative initiative has been spearheaded by Chief Minister Maryam Nawaz Sharif as part of her broader economic reform package aimed at strengthening Punjab’s economy and enhancing the financial well-being of its residents. The program is designed not only to support entrepreneurs but also to foster improvements in housing, agriculture, and the renewable energy sector, driving sustainable development across the province.

Frequently Asked Questions

  1. How much loan should I get, and is it interest-free?

    The Asaan Karobar Finance Scheme offers loans of up to Rs. 30 million to entrepreneurs in various sectors, including agriculture. The primary goal is to support new businesses and strengthen existing ones across Punjab. Importantly, the loan is interest-free, ensuring that businesses can grow without the financial burden of interest payments.

  2. What are the objectives of the Punjab Asaan Karobar Scheme?

    The Asaan Karobar Scheme aims to achieve several key objectives to support entrepreneurship and economic growth in Punjab:
    Strengthen the province’s economy by promoting business development and job creation.
    Provide business opportunities to entrepreneurs, helping them establish and expand their ventures.
    Boost exports and create job opportunities, contributing to the overall growth of the province.
    Support new and existing businesses by offering financial aid and resources for expansion and modernization.

  3. What are the eligibility criteria for the Asaan Karobar Scheme?

    While the official eligibility criteria are yet to be formally announced, based on available information, the following requirements are expected:
    Age: Applicants must be between 25 to 55 years old.
    Credit History: A clean credit history is required for eligibility.
    Business Premises: Applicants must own or lease a business premises.
    Repayment Period: The loan repayment period is expected to be five years.

  4. What is the last date to apply for the Asaan Karobar Finance Scheme?

    The Government of Punjab has not yet officially announced a last date for applications. However, the scheme is expected to be ongoing, providing continuous support to young entrepreneurs in the future.

  5. What is the age limit to apply for this scheme?

    To apply for the Asaan Karobar Finance Scheme, applicants must be between 25 and 55 years old at the time of application.

  6. What is the helpline number of the Asaan Karobar Finance Scheme?

    The helpline number for the Asaan Karobar Finance Scheme in Punjab is 1786. You can call this toll-free number anytime for assistance related to the scheme.

  7. How can I check my application status?

    You can easily check your application status by logging into your portal. Simply provide your application number or tracking number when prompted. For further assistance, you can follow the step-by-step guide available on the portal.

Conclusion

The Asaan Karobar Finance Scheme is a game-changing initiative introduced by the Government of Punjab, Pakistan, to empower entrepreneurs and foster business growth across the province. With interest-free loans of up to 30 million PKR, the scheme aims to help both start-ups and existing businesses expand, modernize, and thrive.

By offering affordable financial support, the scheme is designed to drive economic growth, create job opportunities, and contribute to the development of businesses in various sectors. The eligibility criteria are straightforward, making it accessible for a wide range of entrepreneurs looking to make a significant impact.

Stay updated for the official application announcement and don’t miss out on this valuable opportunity. If you have any questions or need assistance, feel free to contact us.