The Asaan Karobar Scheme 2026, officially launched as the CM Punjab Asaan Karobar Finance Scheme 2026, is a flagship initiative of the Punjab Government aimed at empowering Small and Medium Enterprises (SMEs) through interest-free financing. The Asaan Karobar Program 2026 focuses on boosting entrepreneurship, job creation, economic growth, and exports by supporting priority business sectors across Punjab.
Entrepreneurs can now complete online login, apply for Asaan Karobar Program, and track applications through Asaan Karobar Card login and Asaan Karobar Card status check options using the official digital portal.
Asaan Karobar Scheme 2026 Online Login, Apply & Card Status Check
The CM Punjab Asaan Karobar Loan Scheme 2026 online apply process is fully digital, transparent, and designed to provide easy access to financing for startups and existing businesses. Under the Asan Karobar Scheme 2026, eligible applicants can obtain loans without interest, reducing financial pressure and enabling sustainable business growth.
akf.punjab.gov.pk/cmpunjabfinance
This Asaan Karobar Finance Scheme 2026 online apply facility ensures quick processing, fair evaluation, and real-time tracking through the Asaan Karobar Card system.
مفت آن لائن اپلائی کرنے کے لیے نیچے دیے گئے واٹس ایپ لنک پر کلک کریں اور مزید معلومات حاصل کریں۔
Loan Purposes Under Asaan Karobar Scheme 2026
The scheme supports a wide range of business needs, including:
- New Businesses: Startup funding for entrepreneurs
- Existing Businesses: Expansion, modernization, or working capital
- Leasing: Commercial logistics and transport solutions
- RECP Technologies: Climate-friendly and energy-efficient businesses
Eligibility Criteria For Asaan Karobar Loan Scheme 2026
To qualify for the Asaan Karobar Loan Scheme 2026, applicants must meet the following requirements:
- 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
- Active FBR tax filer with clean credit history
- Residence and business located in Punjab
- Valid CNIC and NTN
- Must own or have rented the business premises
Loan Asaan Karobar Finance Scheme 2026
| Tier | Loan Amount (PKR) | Security | Tenure (Up to) | End-User Rate | Processing Fee |
|---|---|---|---|---|---|
| T1 | 1M – 5M | Personal Guarantee | 5 Years | 0% | PKR 5,000 |
| T2 | 6M – 30M | Secured | 5 Years | 0% | PKR 10,000 |
Grace Period
- Up to 6 months for startups / new businesses
- Up to 3 months for existing businesses
Equity Contribution Requirements
- 0% for T1 (except leased commercial vehicles)
- Leased Vehicles: 25%
- Other Loans: 20% (T1 & T2)
- 10% only for females, transgender, and differently-abled persons
Repayment Terms & Late Charges
- Repayment through equal monthly installments
- Late Charges: PKR 1 per 1,000 per day on overdue amounts
Additional Costs
- Handling Fee:
- NIL for new businesses
- 3% p.a for existing businesses
- NIL p.a for climate-friendly businesses (T2 only)
- Insurance, legal, and registration charges apply as per actual cost
Asaan Karobar Card Login & Status Check
Applicants can use Asaan Karobar Card login to:
- Track application progress
- Check loan approval status
- View repayment schedule
- Perform Asaan Karobar Card status check online
How to Apply For Asaan Karobar Program (Online)
- Visit the official portal
- Complete online login
- Submit the Asaan Karobar Loan Scheme 2026 online apply form
- Upload required documents
- Track progress via Asaan Karobar Card
Helpline & Official Website
📞 Helpline: 1786
🌐 Official Website: https://akf.punjab.gov.pk/cmpunjabfinance
akf.punjab.gov.pk Apply Online
The CM Punjab Asaan Karobar Loan Scheme 2026 is a transformative step toward financial inclusion and SME empowerment. By offering interest-free loans, digital processing, and transparent mechanisms, the Asaan Karobar Finance Scheme 2026 plays a vital role in strengthening Punjab’s business ecosystem.
