Asaan Karobar Card Apply Online Through akc.punjab.gov.pk

The Punjab government has introduced the CM Punjab Asaan Karobar Card, a groundbreaking program to support small business owners and entrepreneurs. Through this scheme, small and medium enterprises (SMEs) can get interest-free loans of up to PKR 1 million to help their businesses grow. The program uses modern digital tools like mobile apps and POS systems to ensure transparency and ease of use. This makes it simpler for entrepreneurs to manage their businesses efficiently. The Asaan Karobar Card is an important step toward boosting economic growth and empowering small businesses in Punjab. In this article, you’ll find a step-by-step guide on how to register and log in to the official portal at akc.punjab.gov.pk.

Interest-Free Loan Scheme

All individuals who applied for the Interest-Free Loan Scheme of up to Rs. 1 million are kindly advised to keep their mobile phones switched on and check SMS messages regularly. You will first be notified via SMS or phone call regarding your application status.

Once notified, you will be able to collect your Business Card/ATM either from the Bank of Punjab or through TCS delivery. This card will include the approved loan amount.

Applicants have now started receiving confirmation messages and collecting their cards. Initially, one card will be issued with Rs. 500,000. The second card, containing the remaining amount, will be provided at a later stage.

Those who applied for the interest-free loan scheme of Rs. 1 million are kindly requested to keep their phones turned on and regularly check their SMS messages. You will first receive a message or phone call to inform you about the status of your application.

After receiving the notification, you will be able to collect your Business Card/ATM—containing the loan amount—from either the Bank of Punjab or through TCS delivery. You will be informed whether your card is available at the bank or being delivered via TCS.

Applicants have now started receiving messages, and card distribution has begun. Initially, you will receive one card loaded with Rs. 500,000. The second card, with the remaining amount, will be issued after some time.

84 Billion Rupees Allocated for Aasaan Karobaar Scheme

Under the visionary leadership of Punjab Chief Minister Maryam Nawaz Sharif, the province has introduced its most ambitious business finance initiative to date — the Aasaan Karobaar Finance Scheme and the Aasaan Karobaar Card Scheme. These transformative programs are designed to empower young entrepreneurs, small business owners, and startups by providing interest-free loans, helping them launch, expand, and sustain their businesses.

With a total budget of Rs. 84 billion, including Rs. 48 billion dedicated to the Aasaan Karobaar Card, this initiative represents a bold step toward strengthening Punjab’s economy and creating new job opportunities. By offering accessible financial support and encouraging broad participation, the schemes aim to foster inclusive economic development across the province.

Feature Details
Maximum Loan Limit PKR 1 million
Interest Rate 0% (Interest-Free)
Loan Tenure 3 years
Grace Period 3 months
Loan Type Revolving credit facility
Application Process akc.punjab.gov.pk

How to Apply for the Asaan Karobar Card

Follow these simple steps to apply for the Asaan Karobar Card:

  • Visit the official website: akc.punjab.gov.pk.
  • Fill out the online application form with accurate personal and business details.
  • Pay a non-refundable processing fee of PKR 500.
  • Upload required documents, including your CNIC and proof of residence.
  • Digital verification of your CNIC, business premises, and creditworthiness will be conducted by authorized agencies.
  • Upon approval, your Asaan Karobar Card will be issued for use in business-related transactions.

For any queries or assistance, contact the helpline at 1786.

How to Register for the Asaan Karobar Card

Follow these straightforward steps to register for the Asaan Karobar Card:

Step 1: Access the Official Portal

 

Open your web browser and navigate to akc.punjab.gov.pk. Once on the homepage, click the “Register Now” option.

Step 2: Complete the Registration Form

  1. Provide Personal Details:
    • Enter your full name as per your CNIC.
    • Input your CNIC number.
    • Specify your date of birth (as mentioned on your CNIC).
    • Enter your father’s or husband’s name.
    • Fill in the CNIC issuance and expiry dates.
  2. Add Contact Information:
    • Provide a valid mobile number and select your mobile network.
    • Ensure the mobile number is active for receiving confirmation and updates.
  3. Set Up a Password:
    • Create a strong password for your account.
    • Re-enter the password to confirm it, ensuring both entries match.

Step 3: Review and Submit

Carefully check all the information entered to ensure accuracy. Once verified, click the “Register” button. Upon successful registration, you will receive a confirmation message on your mobile phone.

How to Log In to Your Asaan Karobar Card Account

Once you’ve completed your registration, logging in to your account is quick and easy. Follow these steps:

Step 1: Visit the Login Page

Go to akc.punjab.gov.pk and click on the “Login” option.

Step 2: Provide Your Credentials

  • Enter your CNIC number.
  • Input the password you created during registration.

Step 3: Access Your Dashboard

Click the “Login” button to log in. You will be redirected to your dashboard, where you can explore all the available services under the Asaan Karobar Card program.

Apply Online

Tips for a Smooth Login Experience

  • Ensure the information entered matches your registered details.
  • Use a stable internet connection to avoid interruptions.
  • Keep your password secure and do not share it with anyone.

About the Asaan Karobar Card Program

The CM Punjab Asaan Karobar Card is a game-changing initiative designed to provide much-needed financial support to small businesses in Punjab. With interest-free loans of up to PKR 1 million, this program allows entrepreneurs to overcome financial barriers and focus on business growth. The revolving credit facility and easy repayment options make it a practical solution for SMEs aiming to expand or stabilize their operations. The program is a testament to the Punjab government’s commitment to promoting entrepreneurship and boosting the economy.

Eligibility Criteria

To be eligible for the Asaan Karobar Card, applicants must fulfill the following requirements:

  • Must be a Pakistani citizen and a resident of Punjab.

  • Age must be between 21 and 57 years.

  • Possess a valid CNIC and a registered mobile number.

  • Must own or intend to start a business within Punjab.

  • Maintain a clean credit history with no outstanding or overdue loans.

  • Successfully pass psychometric and credit evaluations conducted by authorized financial institutions.

  • The business must be registered with the Punjab Revenue Authority (PRA) or Federal Board of Revenue (FBR) within six months of receiving the card.

  • Only one application is permitted per person or business entity.

These conditions are designed to ensure that the scheme supports genuine small business owners who need financial support to grow or sustain their enterprises.

Loan Usage and Repayment Details

The Asaan Karobar Card offers flexibility in loan usage and repayment:

  • First 50% of Loan: Accessible within the first six months after approval.
  • Grace Period: Borrowers enjoy a three-month grace period before repayment begins.
  • Monthly Installments: Repayment starts with a minimum payment of 5% of the outstanding loan balance per month.
  • Second 50% of Loan: Released upon satisfactory usage and timely repayment of the first half.
  • Equal Monthly Installments (EMIs): The remaining balance is repaid over 24 months after the first year.

Funds can be used for vendor payments, utility bills, government fees, and other business-related expenses. Personal or non-business-related transactions are strictly prohibited.

Charges and Fees

The Asaan Karobar Card comes with minimal charges to ensure affordability for entrepreneurs:

  • Annual Card Fee: PKR 25,000 + FED, deducted from the approved loan limit.
  • Additional Charges: Includes life assurance, card issuance, and delivery costs.
  • Late Payment Penalty: Applied as per the bank’s policy for delayed installments.

These charges ensure the sustainability of the program while providing maximum benefits to small businesses.

How to Check Your Asaan Karobar Loan Application Status

If you have applied for the Asaan Karobar Loan, you can track your application status through multiple methods. The official tracking system allows both domestic and expatriate applicants to check updates easily. To get started, visit the official website and log in with your registered details. Your application status will show as “Approved” or “Under Review.”

Ways to Track Your Asaan Karobar Application

You can check your loan application status through the following methods:

  • Online Portal: Log in to your account to see real-time updates. If additional documents are required, upload them under the “Uploads” section.
  • SMS Service: Send “STATUS [Application ID]” to 8300 to receive a quick update via SMS.
  • Helpline Support: Call 051-9053333 (toll-free within Pakistan) or +92-51-9053333 (for international queries) to speak with a representative. They can assist with status updates and eligibility verification.
  • In-Person Inquiry: Visit any National Bank of Pakistan (NBP) branch with your CNIC to check your application status.

What to Do If Your Application is Delayed

If your status appears incorrect or your application is still pending:

  1. Double-check using at least two tracking methods.
  2. Upload missing documents through the portal under the “Uploads” section.
  3. Ensure all details match your NADRA records to prevent processing delays.
  4. Contact support with your reference number for further assistance.

By regularly checking your status, you can stay updated on your loan approval timeline and quickly resolve any issues to avoid unnecessary delays.

Frequently Asked Question's

Entrepreneurs aged 21 to 57 years, residing in Punjab, with a valid CNIC, are eligible to apply.

The maximum loan limit is PKR 1 million.

Yes, the loan is entirely interest-free.

Applications can be submitted online through the official portal: akc.punjab.gov.pk.

Repayment begins three months after the card is issued, with flexible monthly installments.

Funds can be used for business-related expenses such as vendor payments, utility bills, government fees, and taxes.

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