The CM Punjab Asaan Karobar Card is one of the most impactful initiatives launched by the Punjab Government to support small entrepreneurs, startups, and farmers across the province. Through this scheme, eligible applicants can access interest free loans of up to PKR 1 million via a digital SME card, helping them pay vendors, utility bills, taxes, and other essential business expenses.
Unlike traditional bank loans, the Punjab Asaan Karobar Loan Scheme is designed to be simple, fully digital, and transparent ensuring funds are used only for business purposes through POS transactions, mobile apps, and registered vendors.
Key Features of CM Punjab Asaan Karobar Card
| Feature | Details |
|---|---|
| Loan Limit | Up to PKR 1 million |
| Loan Type | Revolving credit facility for 12 months |
| Tenure | 3 years |
| Repayment | 24 equal monthly installments (after grace period) |
| Grace Period | 3 months after card issuance |
| Interest Rate | 0% (interest-free) |
| Processing Fee | PKR 500 (non-refundable) |
| Annual Card Fee | PKR 25,000 + FED (from approved loan limit) |
| Usage | Vendor & supplier payments, utility bills, government fees, POS/mobile app payments, cash withdrawal (up to 25%) |
This makes the Digital SME Card Punjab an excellent opportunity for small businesses to manage cash flow and grow without worrying about high-interest charges.
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Eligibility Criteria for Asaan Karobar Scheme
To qualify for the CM Punjab Asaan Karobar Scheme, applicants must meet the following:
- Pakistani national and permanent resident of Punjab
- Age between 21 to 57 years
- Valid CNIC and active mobile number (registered in applicant’s name)
- Existing or prospective business located in Punjab
- Clean credit history (no overdue loans)
- Positive psychometric assessment and credit check
- Only one application per individual or business
- Registration with PRA and FBR (mandatory within 6 months)
This ensures that funds reach genuine small entrepreneurs who need support the most.
How to Apply Online for CM Punjab Asaan Karobar Card
The entire process is digital, handled via the PITB portal (Punjab Information Technology Board). Here’s how to apply:
- Visit the official portal: CM Punjab Asaan Karobar Portal
- Click Apply Online and create your account.
- Enter CNIC, mobile number, and business details.
- Pay the processing fee (PKR 500).
- Upload supporting documents.
- Verification: CNIC, business premises, and creditworthiness checked by Urban Unit and authorized agencies.
- If approved, the digital SME card is issued for loan usage.
For assistance, applicants can call the Helpline 1786.
Usage & Repayment Details
- First 50% of loan limit → Available within first 6 months.
- Grace period → 3 months after card issuance.
- Repayments → Start with minimum 5% of outstanding principal.
- Second 50% of loan → Released after successful repayments + PRA/FBR registration.
- Repayment Term → Remaining balance repaid over 24 months (EMIs).
Note: Funds are strictly for business expenses. Non-business use (e.g., entertainment, personal consumption) is blocked automatically.
CM Punjab Kisan Card – For Farmers
Alongside the Karobar Card, the CM Punjab Kisan Card supports farmers with easy access to credit. Farmers can apply online, check their Kisan Card status, and even download Kisan Card PDF via the Punjab Finance Portal.
The Kisan Card registration ensures farmers can pay for seeds, fertilizers, and other farm inputs digitally, avoiding middlemen and ensuring transparent payments.
Kisan Card Features:
- Loan limit: up to PKR 500,000
- 0% interest rate
- Easy repayment in installments
- Online application and status check
This integration of Kisan Card and Karobar Card shows how the Punjab Government is promoting both entrepreneurs and farmers under one umbrella of digital financing schemes.
Related Punjab Government Schemes
The Asaan Karobar Card is part of a larger set of initiatives under the Punjab Government’s digital finance vision:
- Punjab E-Taxi Program 2025 → Interest-free installments for drivers.
- Govt E-Bike Scheme 2025 → Subsidy of Rs. 9 billion for students and young professionals.
- Green Credit Program Punjab → Rs. 100,000 incentive for switching to electric bikes.
By referencing these schemes naturally, your article becomes more semantically rich and signals Google that your content covers the entire ecosystem of Punjab finance schemes.
CM Punjab Asaan Karobar Card vs Other Schemes
| Scheme | Audience | Loan/Subsidy Limit | Interest Rate | Repayment |
|---|---|---|---|---|
| Asaan Karobar Card | Small Entrepreneurs | Up to PKR 1 million | 0% | 3 years |
| Kisan Card | Farmers | Up to PKR 500,000 | 0% | 3 years |
| E-Taxi Program | Drivers | Vehicle on installments | 0% | 5 years |
| E-Bike Scheme | Students / Professionals | Subsidy Rs. 100,000 | 0% | 5 years |
This comparison table helps your readers quickly see the differences and attracts long-tail searches like “difference between Asaan Karobar and Kisan Card.”
Why This Scheme is a Game Changer
The CM Punjab Asaan Karobar Card bridges a major financing gap for entrepreneurs, women-led businesses, and farmers. By combining:
- 0% interest loans
- digital monitoring (POS & mobile apps)
- transparent usage verification (Urban Unit & PRA/FBR)
it ensures trust, accountability, and growth for Punjab’s business community.
Already, 1.5 million applications have been submitted, with 100,000 approvals, proving massive demand and trust in this program.
Apply Here: CM Punjab Asaan Karobar Card
Conclusion:
The CM Punjab Asaan Karobar Scheme is not just another loan program it’s part of a broader digital transformation of Punjab’s economy. By empowering entrepreneurs, startups, and farmers with interest free loans, digital credit facilities, and transparent repayment options, the Punjab Government is creating a sustainable ecosystem for business growth.
Whether you want to apply online, check your status, or download your Kisan Card, the process is simple, digital, and accessible to all.
FAQs About CM Punjab Asaan Karobar Card
Q1. Who can apply for CM Punjab Asaan Karobar Card?
Any small entrepreneur aged 21–57, resident of Punjab, with a valid CNIC and clean credit history.
Q2. Can I use the loan for personal expenses?
No. Transactions are restricted to business-related activities only.
Q3. How much loan can I get?
Up to PKR 1 million, in two phases (50% first, 50% after successful repayment & PRA/FBR registration).
Q4. What is the processing fee?
PKR 500 (non-refundable).