Asaan Karobar Scheme 2026 – Complete Online Application Guide

The Asaan Karobar Scheme 2026 is a major initiative by the Punjab Government to support small businesses, traders, and entrepreneurs. Launched under the leadership of Chief Minister Maryam Nawaz Sharif, this scheme provides easy access to interest-free and low-markup loans. The main goal is to help people start new businesses or expand existing ones without heavy financial pressure.

This scheme is designed for shopkeepers, small traders, startups, and small industries. The application process is fully online, making it transparent and easy for applicants across Punjab. Through this program, the government aims to promote documented business growth and economic stability.

Feature	Details
Scheme Name	Asaan Karobar Scheme
Launch Year	2026
Province	Punjab
Loan Categories	Two Tiers
Minimum Loan	Rs. 500,000
Maximum Loan	Rs. 30,000,000
Interest Rate	0% to Low Markup
Application Mode	Online

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Types of Loans Under Asaan Karobar Scheme 2026

The Asaan Karobar Scheme is divided into two main categories based on business size and financial needs. Each category is designed to support different types of entrepreneurs.

The two loan types include:

Asaan Karobar Card for small traders
Asaan Karobar Finance for small and medium enterprises
Separate loan limits for each category
Flexible repayment options
Easy access through digital platforms
Government-backed financial support

Applicants must choose the category that best matches their business requirements.

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Asaan Karobar Card for Small Businesses

The Asaan Karobar Card is specially designed for small traders and shop owners. Instead of receiving cash, applicants get a digital business card that can be used for business-related expenses only.

This category is best for:

Grocery stores and general shops
Mobile and electronics shops
Small boutiques and tailors
Service providers and vendors
Businesses with daily operational expenses

Loan details under this category include interest-free financing, flexible monthly repayment cycles, and controlled spending to ensure funds are used only for business purposes.

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Asaan Karobar Finance for SMEs

Asaan Karobar Finance is meant for businesses that want to expand on a larger scale. This includes manufacturing units, agro-based businesses, and startups planning major investments.

Key features of this category include:

Loan amount up to Rs. 30 million
Low subsidized markup instead of zero interest
Repayment period from 5 to 7 years
Funds can be used for machinery and expansion
Collateral may be required for higher loan amounts
Loans processed through the Bank of Punjab

This category supports long-term business growth and job creation.

Eligibility Criteria for Asaan Karobar Scheme 2026

To ensure transparency and proper use of funds, the Punjab Government has set clear eligibility criteria for applicants.

Applicants must meet the following conditions:

Must be a permanent resident of Punjab
Must have a valid CNIC
Age must be between 21 and 55 years
Must be an active FBR tax filer
Existing businesses must have at least 6 months history
New startups must submit a business plan
Clean e-CIB credit history is required

Only applicants who meet all eligibility conditions can proceed to verification.

How to Apply Online for Asaan Karobar Scheme 2026

The application process is fully digital to eliminate middlemen and ensure fairness. Applicants can apply from home using a mobile phone or computer.

Steps to apply online include:

Visit the official portal
Register using CNIC and mobile number
Choose loan category (Card or Finance)
Fill in personal and business details
Upload required documents
Submit the application
Receive tracking ID via SMS

After submission, applicants can track their application status online.

Official application portal:
https://akc.punjab.gov.pk

Verification and Loan Disbursement Process

Once an application is shortlisted, the Bank of Punjab conducts a physical verification of the business premises. This step ensures the business is genuine and active.

During verification:

Bank officials visit the business location
Business documents are checked
Financial details are confirmed
Final approval decision is made
Card is issued or funds are transferred

Approved applicants receive their loan according to the selected category.

Conclusion

The Asaan Karobar Scheme 2026 is a powerful step by the Punjab Government to support small businesses and entrepreneurs. With interest-free and low-markup loans, a simple online application process, and transparent verification, this scheme offers real opportunities for economic growth. Eligible applicants are encouraged to apply online and take advantage of this government-backed financial support to grow their businesses.