How To Apply Online For CM Punjab Asaan Karobar Card?

On the special directions of Punjab Chief Minister Maryam Nawaz Sharif, the Punjab government has started a new scheme called the “Chief Minister of Punjab Asaan Karobar Card Program.” This plan is made to help small business owners and new startups by offering more than Rs 48 billion in support. Through this scheme, people running businesses can get interest-free loans ranging from Rs 100,000 to Rs 10 lakh, which can be paid back in easy monthly payments over a period of three years.

Many people still want to apply for this scheme but don’t know the full process or details about how to register. That’s why I’ve written this guide to help you understand everything clearly. You’ll find all the requirements and step-by-step instructions here. If you want to benefit from this scheme, make sure to read the entire article carefully so you don’t miss anything important.

Key Features	Details
Maximum Loan Limit	PKR 1 million
Loan Tenure	3 years
Interest Rate	0%
Loan Type	Revolving credit facility
Grace Period	3 months
Application Process	Online via akc.punjab.gov.pk login

Steps to Apply for Asaan Karobar Card

To apply for asan karobar card, follow these simple steps:

1. First, visit the official website using the link below.
2. Once the website opens, click on the button that says “Apply for Asaan Karobar Card.”
3. You’ll see a new page with instructions and all eligibility rules.
4. Go through these rules to confirm you’re eligible.
5. Next, click on the “Accepted, proceed” button.
6. You’ll now see the account creation form.

Here, enter your details such as CNIC number, full name, father’s name, date of birth, CNIC issue and expiry dates, mobile number, and password.
After creating your account, log in using your CNIC and password.
Once logged in, fill in your personal information first.
Then provide your business details in the next step.
In the third step, enter the loan amount you want.
In the final step, upload scanned copies of the required documents.
Once everything is done, submit your application.

This way, you can complete your application from home without going anywhere.
If you don’t know how to fill out the form or can’t use a computer, visit any nearby computer shop. They will help you apply, though they may charge a small fee.

Who Can Apply for This Program

If you’re planning to apply and want to get a loan between Rs 1 lakh and Rs 10 lakh without any interest, you need to make sure you meet these conditions:

You must have a valid computerized CNIC issued by NADRA. Also, your mobile number must be registered with the same CNIC. Your age should be between 21 and 57 years. You must be a Pakistani citizen and also live in Punjab permanently.

Your current or upcoming business should be based in Punjab. Keep in mind, only one person can apply for one business. You can’t submit applications for more than one business. If you already owe money to a bank or finance company and haven’t paid it back, you won’t be allowed to apply. Also, anyone involved in unlawful or anti-state activities will not be accepted under this scheme.

How to Sign Up on the Asaan Karobar Card Website

Here is how you can register step-by-step:

Step 1: Open the Registration Website

Go to akc.punjab.gov.pk and click on the “Register Now” button.

Step 2: Fill the Sign-Up Form

• Enter your full name, CNIC number, date of birth, father’s or husband’s name, and CNIC issue and expiry dates.
• Provide your mobile number and select the mobile network. Make sure this number is active.
• Create a strong password and confirm it by typing it again.

Step 3: Submit the Details

• Check all the information again to make sure it’s correct.
• Click the “Register” button. A confirmation message will be sent to your phone.

Asan Karobar card Login

After signing up, logging in is very simple.

Step 1: Visit akc.punjab.gov.pk and click on “Login.”
Step 2: Enter your CNIC and password.
Step 3: Click “Login” to go to your dashboard and view the available services and access karobar card.

What Happens After Registration

Once you’re registered, the system will automatically begin a psychometric test. If you pass it, you will need to accept the terms and conditions online. For new businesses, the Bank of Punjab usually skips physical checks. After your loan is approved, you will be asked for a personal guarantee. Once everything is done, you will get your Asaan Karobar Card, which gives you access to use your loan.

About This Program

The CM Punjab Asaan Karobar Card Program is a great step to help small businesses grow. By offering loans without interest, the scheme gives a chance to people who want to expand or run their businesses properly. With an easy payback plan and full support from the government, this program shows Punjab’s strong commitment to supporting local businesses.

Loan Details and Repayment

Here’s how the loan and repayments work:

1. You can use the first half of the loan within six months.
2. There is a grace period of three months before repayment starts.
3. You’ll need to pay at least 5% of your loan amount every month.
4. If you use and repay the first half on time, the second half of the loan will be given.
5. You’ll repay the second half in equal monthly installments over 24 months.

The loan can be used for business-related expenses only, like paying bills or suppliers. It can’t be used for personal needs.

Program Charges

The Asaan Karobar Card has very few charges:

• Annual card fee: Rs 25,000 + tax (taken from your loan amount).
• Additional: There may also be extra charges for insurance, card making, and delivery.
• Penalty: If you miss an installment, a penalty will be charged as per bank rules.

These small charges help keep the program running for future users.

How to Check Your Loan Application Status

After applying, you can check your status in different ways. Whether you’re living in Pakistan or abroad, tracking your application is easy.

1. Just log in to the website to see the latest update on your application.
2. If the portal asks for more documents, upload them under the “Uploads” section.
3. You can also send an SMS. Type “STATUS [Your Application ID]” and send it to 8300.
4. Call the helpline at 051-9053333 (or +92-51-9053333 from abroad) for updates.
5. Or you can go to any National Bank branch with your CNIC and ask them.

If Your Application Is Delayed

• Try using two methods to check your status.
• Upload any missing documents if needed.
• Make sure your details match exactly with your CNIC record.
• Call support and give them your reference number for help.

Checking regularly can help you avoid delays and fix problems early.

Advantages of the Asaan Karobar Card

This program gives many benefits:

1. Makes it easy for small businesses to get funds.
2. All transactions and uses of the loan are fully trackable.
3. Helps businesses grow by easing financial pressure.
4. Open to all types of small businesses in Punjab.
5. The whole process is online, which makes it quick and simple.

Need Help? Contact the Helpline

For any questions or help, call the official helpline.

Phone Number: Dial 1786
Timings: Standard office hours
Website: Visit https://akc.punjab.gov.pk for more info

Final Thoughts

The Asaan Karobar Card is a great opportunity for small business owners and startups. Through this interest-free loan program, you can get up to Rs 10 lakh to support your business. In this article, I’ve explained everything in detail—from eligibility to the full registration process. Hopefully, this guide has cleared up your confusion. If you still have any questions or want to know about other PK schemes, feel free to ask in the comments, and I’ll try to answer them as clearly as possible.

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