Last updated: 12 November 2026. Status (November 2026): Applications are open on the official portal for regular and export finance. No closing date has been announced.
The CM Punjab Asaan Karobar Finance Scheme gives interest-free business loans from Rs1 million up to Rs50 million to small and medium enterprises in Punjab, for setting up a new business or expanding an existing one. The government pays the markup, so the borrower repays only the principal.
Loan Tiers and Terms
| Tier | Loan Amount | Security | Processing Fee |
|---|---|---|---|
| Tier 1 | Rs1m – Rs5m | Personal guarantee | Rs5,000 |
| Tier 2 | Rs6m – Rs30m | Secured (property etc.) | Rs10,000 |
| Export / SME | Up to Rs50m | Secured | Rs10,000 |
- Markup: 0% for the borrower
- Tenure: up to 5 years
- Grace period: up to 6 months for start-ups, up to 3 months for existing businesses
- Owner equity: 0% for Tier 1; 20% for most Tier 2 loans; 10% for women, transgender and differently-abled applicants
Who Is Eligible?
- Age 25 to 55 years
- Active FBR tax filer with valid CNIC and NTN
- Clean credit history
- Both home and business located in Punjab, with owned or rented premises
- Small enterprise (annual sales up to Rs150 million) or medium enterprise (Rs150m – Rs800m)
Not a filer yet? Our filer guide explains the process, or get help with NTN registration and ATL registration.
How to Apply Online
- Go to the official portal akf.punjab.gov.pk and sign up with a mobile number registered in your name.
- Upload your photo/selfie, both sides of your CNIC and proof of business premises.
- Add two references who are not relatives, plus your income details.
- Pay the processing fee using the PSID shown on screen. Processing begins only after payment.
- Track progress through SMS updates. Helpline: 1786.
Documents Checklist Before You Apply
- Valid CNIC (both sides) and a selfie/photo
- Mobile SIM registered on your own CNIC
- NTN and active filer (ATL) status
- Proof of business premises: ownership papers or rent agreement
- Two references who are not relatives
- For Tier 2 / secured loans: collateral documents and a business plan
How to Check Asaan Karobar Finance Application Status
Log in to akf.punjab.gov.pk with the mobile number you registered, and watch for SMS updates from the Bank of Punjab. If nothing changes after the processing fee is paid, call the helpline 1786 with your CNIC ready.
Tips to Improve Your Chances
- Prepare a simple business plan showing how the loan will be used and repaid; a professional business plan helps for larger Tier 2 loans.
- Keep your tax returns and bank statements up to date.
- Make sure your premises documents (ownership or rent agreement) match the business address you enter.
Beware of Fake Agents
Only the PSID-based processing fee is official. Nobody can “guarantee” approval for a commission, and loans are never approved through WhatsApp or phone calls.
See all Punjab programmes on our Maryam Nawaz Schemes 2026 page, or compare with the smaller Asaan Karobar Card. Other options: business loans in Pakistan and PM Youth Loan.
FAQs (Roman Urdu)
Asaan Karobar Finance mein kitna loan milta hai?
Rs10 lakh se Rs5 crore tak, bila sood.
Kya filer hona zaroori hai?
Ji haan, active tax filer aur NTN zaroori hai.
Loan kitne saal mein wapas karna hai?
Zyada se zyada 5 saal mein.
Apply kahan karein?
Official portal akf.punjab.gov.pk par, helpline 1786.
Business loan ke liye government mein apply kaise karein?
Punjab mein filer hain to akf.punjab.gov.pk par sign up karein, documents upload karein aur PSID se processing fee jama karein. Umar 21-45 ho to PM Youth Loan bhi dekhein.
Status kaise check karein?
Portal par login karein ya SMS dekhein; helpline 1786.
Source: Punjab government Asaan Karobar Finance portal (akf.punjab.gov.pk). Status checked November 2026; confirm terms on the official portal before applying.