Status (November 2026): New registration for the Asaan Karobar Card is closed on the official portal; existing cardholders can still log in. If you need business finance now, the separate Asaan Karobar Finance scheme (Rs1m to Rs50m) is accepting applications.
The CM Punjab Asaan Karobar Card is an interest-free digital credit card for small businesses, issued through the Bank of Punjab under Chief Minister Maryam Nawaz’s programme. It gives a credit limit of up to Rs1 million at 0% interest, to be repaid over three years.
Asaan Karobar Card at a Glance
| Credit limit | Up to Rs1,000,000 |
| Interest | 0% (interest-free) |
| Tenure | 3 years: 1st year revolving credit, then 24 equal monthly instalments |
| Grace period | 3 months after card issue |
| Minimum repayment | 5% of outstanding principal per month (after grace) |
| Cash withdrawal | Up to 25% of limit for business needs |
| Fees | Rs500 processing fee (non-refundable); annual card fee Rs25,000 + FED, deducted from the limit |
| Issuing bank | Bank of Punjab |
| Portal / Helpline | akc.punjab.gov.pk · 1786 |
What Can You Use the Card For?
The card is meant for business spending: paying suppliers and vendors, utility bills, government fees and taxes. Up to a quarter of the limit can be taken as cash for other business costs. It is not a personal loan, so using it for household spending can get the card cancelled.
Eligibility Criteria
- Pakistani citizen living in Punjab
- Age 21 to 57 years
- Valid CNIC and a mobile SIM registered in your own name
- An existing business, or a planned new business, located in Punjab
- Clean credit history (no loan defaults)
- Pass the bank’s credit and psychometric assessment
How to Apply (When Registration Reopens)
- Visit the official portal akc.punjab.gov.pk.
- Register with your CNIC and your own mobile number.
- Fill in personal and business details.
- Pay the Rs500 processing fee only through the official PSID shown on the portal.
- Complete verification and the assessment; you will get updates by SMS.
The Punjab government has reopened applications in earlier rounds, so keep an eye on our Govt Schemes News for the next window.
Asaan Karobar Card vs Asaan Karobar Finance
| Asaan Karobar Card | Asaan Karobar Finance | |
|---|---|---|
| Amount | Up to Rs1 million | Rs1 million to Rs50 million |
| Form | Credit card (revolving) | Term loan |
| Tenure | 3 years | Up to 5 years |
| Filer needed? | Not listed as a requirement | Yes, active tax filer with NTN |
| Best for | Small shops, startups | Growing SMEs, exporters |
Beware of Scams
Official schemes never approve loans through WhatsApp, Facebook, TikTok or phone calls, and never ask for “registration fees” by Easypaisa or JazzCash. Pay only through the portal’s PSID.
Other Punjab schemes: see the full list on our Maryam Nawaz Schemes 2026 page. For long-term business planning, our team also offers business plan writing and NTN registration.
FAQs (Roman Urdu)
Asaan Karobar Card mein kitna loan milta hai?
Rs10 lakh tak, bilkul bila sood.
Kya abhi apply ho sakta hai?
November 2026 tak nayi registration band hai. Business loan chahiye to Asaan Karobar Finance mein apply karein.
Helpline kya hai?
1786.
Kya cash nikal sakte hain?
Haan, limit ka 25% tak cash business kharchon ke liye.
Sources: Punjab government Asaan Karobar Card portal (akc.punjab.gov.pk), punjab.gov.pk. Status checked November 2026; terms can change, so confirm on the official portal.