The CM Punjab Asaan Karobar Loan Scheme 2026 provides interest-free financing to eligible small and medium enterprises (SMEs) in Punjab. The Asaan Karobar Scheme supports new businesses, existing business expansion, modernization, working capital, commercial logistics and climate-friendly businesses.
Applicants can apply online through the official Asaan Karobar Finance portal at akf.punjab.gov.pk. Financing is available under different tiers, with loans ranging from Rs. 1 million up to Rs. 50 million depending on the category and eligibility.
Asaan Karobar Loan Scheme 2026 Apply Online at akf.punjab.gov.pk
CM Punjab Asaan Karobar Loan Scheme 2026 offers interest-free loans of up to Rs. 50 million to eligible SMEs and entrepreneurs in Punjab for new businesses, expansion, working capital, modernization and climate-friendly projects. Applications can be submitted online through akf.punjab.gov.pk.
CM Punjab Asaan Karobar Scheme 2026 Details
| Feature | Details |
|---|---|
| Scheme | CM Punjab Asaan Karobar Loan Scheme 2026 |
| Province | Punjab |
| Loan Type | Interest-Free |
| Loan Range | Rs. 1 million to Rs. 50 million |
| Tier-1 | Rs. 1 million – Rs. 5 million |
| Tier-2 | Rs. 6 million – Rs. 30 million |
| Export/SME | Up to Rs. 50 million |
| Maximum Tenure | Up to 5 years |
| Age | 25–55 years for Finance |
| Business Location | Punjab |
| Tax Status | Active FBR filer |
| Application | Online |
| Official Portal | akf.punjab.gov.pk |
akf.punjab.gov.pk Official Website Asan Karobar Scheme
The akf.punjab.gov.pk official website is used for online registration for the CM Punjab Asan Karobar Scheme 2026. Eligible entrepreneurs and SMEs in Punjab can apply for interest-free business loans for startups, expansion, working capital, modernization and other approved business needs.
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Purpose of Asaan Karobar Loan
The financing can be used for several business-related purposes, including:
- New Businesses: Startup and business establishment
- Existing Businesses: Expansion, modernization and working capital
- Commercial Leasing: Commercial logistics and leased vehicles
- Climate-Friendly Businesses: RECP technologies and environmentally friendly projects
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Asaan Karobar Finance Loan Tiers
Tier-1 Loan
Tier-1 is designed for small businesses that need financing without secured property.
- Loan amount: Rs. 1 million to Rs. 5 million
- Security: Personal guarantee
- Tenure: Up to 5 years
- End-user rate: 0%
- Processing fee: Rs. 5,000
Tier-2 Loan
Tier-2 is intended for larger SME requirements, including expansion, modernization and replacement.
- Loan amount: Rs. 6 million to Rs. 30 million
- Security: Secured
- Tenure: Up to 5 years
- End-user rate: 0%
- Processing fee: Rs. 10,000
Export / SME Financing
Eligible export-oriented and SME businesses may receive financing of up to Rs. 50 million.
- Maximum loan: Rs. 50 million
- Security: Secured
- Tenure: Up to 5 years
- End-user rate: 0%
- Processing fee: Rs. 10,000
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Eligibility Criteria Asaan Karobar Loan
Applicants should meet the applicable requirements for the Asaan Karobar Finance scheme:
- Applicant must be 25 to 55 years old.
- Applicant must be a resident of Punjab.
- Business must be located in Punjab.
- Applicant must have a valid CNIC.
- Applicant must have a valid NTN.
- Applicant must be an active FBR tax filer.
- Applicant should have a clean credit history.
- Existing businesses must have owned or rented business premises.
- Small enterprises can have annual sales of up to PKR 150 million.
- Medium enterprises can have annual sales above PKR 150 million and up to PKR 800 million.
Equity Contribution
The required equity contribution depends on the type of financing.
| Category | Equity Contribution |
|---|---|
| Tier-1 | 0% |
| Leased Commercial Vehicles | 25% |
| Other Tier-2 Loans | 20% |
| Females, Transgender & Differently-Abled Persons | 10% |
Grace Period
The scheme provides a grace period according to the type of business:
- New businesses/startups: Up to 6 months
- Existing businesses: Up to 3 months
After the applicable grace period, repayment is made through equal monthly installments according to the approved financing terms.
Additional Charges
Although the end-user interest rate is 0%, other applicable costs may apply.
- Handling fee for setting up a new business: NIL
- Handling fee for existing businesses: 3% per annum
- Climate-friendly businesses under Tier-2: NIL per annum
- Insurance, legal and registration charges: Actual cost
- Late payment charge: PKR 1 per PKR 1,000 per day on overdue amounts
Documents Required
Applicants should prepare the required information and documents before starting the online application, including:
- Valid CNIC
- National Tax Number (NTN)
- Business ownership or rent-related documents
- Business plan/details for a new business
- Personal net worth information where applicable
- Property/security documents for secured financing
- Bank statement where applicable
- Mobile number registered against the applicant’s CNIC
How to Apply Online Asaan Karobar Loan Scheme at akf.punjab.gov.pk
Applicants can submit their application through the official online portal.
Step 1: Open the Official Portal
Visit akf.punjab.gov.pk and select the relevant application option for Asaan Karobar Finance.
Step 2: Create an Account
Enter your personal information, including:
- Name
- Father/Husband’s Name
- CNIC Number
- Date of Birth
- CNIC issuance and expiry dates
- CNIC-registered mobile number
- Password
Complete the registration process.
Step 3: Login
After creating the account, log in to the applicant dashboard using your CNIC and password.
Step 4: Select Loan Details
Choose the applicable financing tier and provide information about:
- Required loan amount
- Tenure
- Business type
- Equity contribution
- Security/collateral, where applicable
Step 5: Enter Business Information
Provide accurate details about your business, including its location, sector, annual sales/turnover, financial information and ownership details.
Step 6: Upload Documents
Upload the required documents and review the information carefully before submitting the application.
Step 7: Submit Application
Submit the completed application online. Keep the application or tracking/reference number for checking the status of your application.
Asaan Karobar Loan Scheme 2026
The CM Punjab Asaan Karobar Loan Scheme 2026 is designed to provide interest-free financing to eligible SMEs and entrepreneurs in Punjab. Depending on the financing category, applicants can seek funds for starting a business, expansion, modernization, working capital, commercial logistics and climate-friendly technologies.
akf.punjab.gov.pk Online Registration
For the latest application requirements and online registration, applicants should use the official akf.punjab.gov.pk portal and follow the requirements displayed during the application process.
About CM Punjab Asaan Karobar Loan Scheme
The Government of Punjab, in collaboration with the Punjab Small Industries Corporation (PSIC) and the Bank of Punjab (BOP), has launched the CM Punjab Asaan Karobar Loan Scheme 2026. Designed to empower Small and Medium Enterprises (SMEs), young entrepreneurs, and street vendors, this initiative provides 100% interest-free and subsidized business loans. Whether you are looking to set up a new startup, expand an existing business, or require working capital, this scheme offers a fully digital application process