The CM Punjab Pink Salt Loan Scheme 2026 is a Government of Punjab initiative designed to provide zero-markup financing to SMEs involved in the value addition, processing and development of Pink Rock Salt products. Visit pinksalt.punjab.gov.pk for Apply Online Registration CM Punjab Maryam Nawaz Pink Salt Loan Scheme 2026.
Under the CM Punjab Pink Salt Initiative, eligible businesses can apply for financing of up to PKR 50 million through the Bank of Punjab. The Chief Minister Maryam Nawaz Sharif Pink Salt financing Scheme 2026 can be used to establish new pink salt value-addition plants, expand existing processing units, modernize machinery and support working capital requirements.
CM Punjab Pink Salt Loan Scheme 2026 Apply Online @pinksalt.punjab.gov.pk
The Punjab Government Scheme aims to encourage modern processing of Punjab’s pink rock salt, create employment opportunities, support industrial development and increase the export potential of value-added pink salt products.
Pink Salt Scheme 2026 Online Registration
| Feature | Details |
|---|---|
| Scheme Name | CM Punjab Pink Salt Initiative |
| Financing Type | SME Financing |
| Loan Amount | PKR 5 Million to PKR 50 Million |
| Markup | 0% / Zero Mark-up |
| Government Support | Subsidized by Government of Punjab |
| Maximum Tenure | Up to 5 Years |
| Grace Period | Up to 3 Months |
| Repayment | Equal Monthly Instalments |
| Processing Fee | PKR 10,000 |
| Equity Contribution | Minimum 25% |
| Security | Secured |
| Processing Bank | Bank of Punjab |
| Application | Online |
| Official Portal | pinksalt.punjab.gov.pk |
What Is the CM Punjab Pink Salt Loan Scheme?
The CM Punjab Pink Salt Scheme provides affordable financing to small and medium enterprises working in the value addition of Pink Rock Salt.
The initiative focuses on moving beyond the extraction and basic sale of raw salt by supporting businesses that process, package, develop and manufacture higher-value pink salt products.
Pink Salt Business Loan Scheme 2026
The Government of Punjab intends to facilitate entrepreneurs with subsidized financing so they can invest in modern machinery, processing facilities and environmentally friendly technologies.
The scheme can also support the expansion and modernization of existing pink salt businesses.
Pink Salt Loan Amount
Under the financing facility, eligible SMEs can obtain loans ranging from:
- PKR 5 Million to PKR 50 Million
- The maximum financing limit is PKR 50 million.
- The financing is available at a 0% end-user rate, subject to the scheme’s eligibility requirements and Bank of Punjab’s credit assessment.
CM Punjab Pink Salt Loan Is Zero Markup
One of the major features of the initiative is zero-markup financing.
The financing cost for the eligible borrower is subsidized by the Government of Punjab, allowing qualifying SMEs to access financing at a 0% end-user rate.
However, applicants should understand that zero markup does not necessarily mean that every other project-related cost is waived. Applicable valuation, legal, documentation, mortgage registration, insurance and other bank charges may apply according to the financing arrangement.
Pink Salt Business Loan Purpose
The Pink Salt Business Loan can be used for several business purposes related to value addition.
1. New Pink Salt Plants
Financing can be used for establishing new Pink Rock Salt value-addition plants and eligible startup projects.
2. Expansion of Existing Units
Existing salt processing businesses can use financing to increase their production capacity or expand operations.
3. Modernization of Machinery
The scheme supports Balancing, Modernization and Replacement (BMR) of machinery where applicable.
4. Working Capital
Eligible financing can support working capital requirements related to value-addition operations.
5. Modern Processing Technology
Businesses can invest in modern and environmentally friendly processing technologies to improve production and product quality.
Eligibility Criteria Maryam Nawaz Pink Salt Scheme
Applicants must meet the eligibility conditions prescribed for the scheme.
The major requirements include:
- Applicant must be a resident of Punjab.
- Applicant must have a valid CNIC.
- Business must be located in Punjab.
- Business should preferably be located in areas associated with the pink salt sector, including Khushab, Mianwali, Chakwal and Jhelum.
- Applicant must be registered with the relevant authorities.
- Applicant must be an active FBR tax filer.
- Applicant must have a valid NTN.
- Applicant must have a clean credit history.
- Applicant must own or have rented business premises.
- Business must fall under the SME category according to applicable SBP definitions.
- Application must meet the minimum qualifying threshold under the approved scheme scorecard.
| Pink Salt Scheme Urdu Details | Click Here |
| Pink Salt Scheme English Details | Click Here |
| Pink Salt Loan Details | Click Here |
| Pink Salt Login Portal | Click Here |
| Pink Salt Online Apply Link | Click Here |
Chief Minister Maryam Nawaz Sharif Pink Salt Financing Scheme 2026
Meeting the basic eligibility requirements does not automatically guarantee loan approval. Applications are subject to evaluation, credit assessment and the applicable Bank of Punjab financing requirements.
Pink Salt Loan Online Application Form
CM Punjab Pink Salt Loan Finance Scorecard
Applicants under the CM Punjab Pink Salt Loan Scheme are evaluated through a 100-mark Business Loan Finance Scorecard. The minimum qualifying threshold is 50 marks out of 100.
1. Business Entity Type – 10 Marks
| Category | Criteria | Marks |
|---|---|---|
| Registered Company / Partnership Firm etc. | Valid registration & tax filer | 10 |
| Sole Proprietor | Registered tax filer with active NTN | 8 |
2. Loan Purpose – 25 Marks
| Loan Purpose | Marks |
|---|---|
| Machinery purchase for value addition | 25 |
| BMR / Plant Upgradation | 20 |
| Expansion of existing processing unit / installation of RECP technologies | 15 |
| Working capital only | 10 |
3. Value Addition Level – 35 Marks
This section carries the highest weightage in the scorecard.
| Level of Value Addition | Criteria | Marks |
|---|---|---|
| High | Refined, iodized, branded, export packaging, industrial-grade processing | 35 |
| Medium | Crushing, grading, packaging | 25 |
| Low | Basic cleaning / sorting | 10 |
4. Business Proposal – Technical & Financial Strength – 10 Marks
| Criteria | Marks |
|---|---|
| Complete feasibility including technical details, financial projections, cash flow and IRR | 10 |
| Incomplete feasibility | 0 |
5. Annual Sales / Turnover – 10 Marks
| Category | Criteria | Marks |
|---|---|---|
| Annual Sales / Turnover | Up to PKR 150 million for Small Enterprises (SE) and above PKR 150 million to PKR 800 million for Medium Enterprises (ME) | 10 |
| Annual Sales / Turnover | Below the applicable threshold | 0 |
6. Experience Regarding Rock Salt Business – 10 Marks
| Status | Marks |
|---|---|
| Valid Rock Salt mining lease holder | 10 |
| Processing unit with legal mineral sourcing agreement | 8 |
| Non-lessee but registered buyer | 5 |
| No formal linkage | 2 |
Pink Salt Loan Scorecard Summary
| Section | Maximum Marks |
|---|---|
| Business Entity | 10 |
| Loan Purpose | 25 |
| Value Addition | 35 |
| Business Proposal | 10 |
| Annual Sales / Turnover | 10 |
| Rock Salt Business Experience | 10 |
| Total | 100 |
| Minimum Qualifying Threshold | 50 Marks |
Minimum 50 Marks Required
Applicants need to achieve at least 50 marks out of 100 to meet the stated qualifying threshold. The score is based on the applicant’s business structure, proposed use of financing, level of pink salt value addition, feasibility of the business proposal, annual turnover and experience/linkage with the rock salt business.
CM Punjab Pink Salt Loan Security
The financing facility is classified as secured SME financing.
The required security and collateral arrangements will be determined according to the applicable financing structure and Bank of Punjab’s credit policy.
Applicants should therefore keep relevant ownership, property, business and financial documents available when applying.
25% Equity Contribution Required
Applicants are required to contribute at least 25% equity participation toward the project cost.
According to the scheme information, equity may be provided in the form of:
- Cash
- Land
- Building
- Installed machinery
The remaining project financing may be considered through the scheme’s eligible financing facility, subject to the Bank of Punjab’s assessment.
CM Punjab Pink Salt Loan Repayment
The maximum repayment period is up to five years.
The loan is to be repaid through equal monthly instalments.
A grace period of up to three months may be available depending on the nature of the business and project requirements.
Late Payment Charges
The scheme information specifies a late payment charge of:
PKR 1 per PKR 1,000 per day
on the overdue amount.
Applicants should review the final financing documents issued by the Bank of Punjab for the applicable repayment schedule and charges.
Pink Salt Loan Processing Fee
The specified loan processing fee is:
PKR 10,000
Other costs may also apply depending on the project and financing arrangement.
These can include:
- Valuation charges
- Legal charges
- Documentation charges
- Mortgage registration charges
- Insurance of project assets/collateral
- Other applicable Bank of Punjab charges
CM Punjab Pink Salt Loan Grace Period
Eligible projects may receive a grace period of up to three months.
The exact grace period depends on the nature of the business and project requirements.
Applicants should check the approved financing terms before signing the loan documents.
How to Apply For CM Punjab Pink Salt Scheme Online
Applicants can use the official CM Punjab Pink Salt Scheme portal to access the online application process.
Step 1: Visit the Official Portal
Open:
pinksalt.punjab.gov.pk
Step 2: Select Online Application
Look for the Online Application option on the official portal.
Step 3: Enter Applicant Information
Provide the required information, including personal and contact details, CNIC and other information requested in the application form.
Step 4: Provide Business Details
Enter information about your business, including:
- Business name
- Business location
- Nature of business
- Existing or proposed processing unit
- Business registration details
- NTN/FBR information
- Project cost
- Required financing amount
Step 5: Provide Project Information
Explain how the financing will be used.
For example, the proposed project may involve:
- New processing plant
- Machinery purchase
- Plant expansion
- BMR
- Product development
- Working capital
- Environmentally friendly processing technology
Step 6: Upload Required Documents
Upload the documents requested by the official application portal.
The exact document list may vary according to the applicant and project.
Step 7: Submit Application
Review all information carefully before submitting the application.
After submission, keep the application/reference number for future tracking.
Documents Required For Pink Salt Loan
Applicants should keep the following information and documents ready where applicable:
- Original CNIC
- NTN
- FBR/tax filer information
- Business registration documents
- Proof of business premises
- Land or building documents where applicable
- Machinery details
- Project feasibility/business plan
- Bank/financial information
- Relevant business licences and approvals
- Other documents requested by the Bank of Punjab
The bank may request additional documents during the credit assessment process.
Bank of Punjab Pink Salt Financing Scheme 2026
The Bank of Punjab is responsible for processing the financing under its applicable credit policy and underwriting standards.
Therefore, submitting an online application does not mean that financing is automatically approved.
The bank will assess the applicant, project, financial position, credit history, security and other relevant requirements before making a financing decision.
Who Can Benefit From the Pink Salt Scheme?
The initiative is primarily intended for SMEs involved in Pink Rock Salt value addition.
Potential business activities can include eligible projects involving:
- Salt processing
- Modern mechanized processing
- Value-added salt products
- Product development
- Packaging-related processing
- Expansion of existing processing facilities
- Modern machinery
- Environmentally friendly processing technologies
The final eligibility of a specific business depends on the scheme rules and bank assessment.
Areas Important For Pink Salt Business
The scheme information particularly identifies areas including:
- Khushab
- Mianwali
- Chakwal
- Jhelum
as relevant locations for the pink salt sector.
However, the broader requirement is that the applicant and eligible business meet the applicable Punjab and scheme conditions.
Benefits of CM Punjab Pink Salt Scheme 2026
The initiative is designed to support the pink salt sector through:
- Zero-markup financing
- Support for new processing plants
- Expansion of existing businesses
- Machinery modernization
- Working capital support
- Product development
- Modern processing technology
- Employment generation
- Industrial development
- Greater value addition
- Improved export potential of processed pink salt products
CM Punjab Pink Salt Scheme Online Registration
Applicants searching for Pink Salt Scheme Online Registration should use the official Punjab Government portal rather than third-party websites.
The official online application portal is:
pinksalt.punjab.gov.pk
Applicants should avoid paying unofficial agents for submitting an application or obtaining approval.
Important Points Before Applying
Before submitting your application, make sure:
- Your CNIC is valid.
- Your business is located in Punjab.
- Your business qualifies as an SME.
- Your NTN and tax information are available.
- Your FBR filer status meets the scheme requirement.
- You have the required 25% equity contribution.
- Your business premises documents are available.
- Your project falls within eligible pink salt value-addition activities.
- Your proposed financing amount is realistic.
- You can provide the security required by the bank.
Frequently Asked Questions
What is the CM Punjab Pink Salt Loan Scheme?
It is a Punjab Government-supported financing initiative for SMEs involved in value addition of Pink Rock Salt.
How much loan can I get under the Pink Salt Scheme?
Financing is available from PKR 5 million up to PKR 50 million, subject to eligibility and bank approval.
Is the Pink Salt Loan interest-free?
The scheme provides a 0% end-user rate, with financing subsidized by the Government of Punjab.
What is the repayment period?
The maximum repayment period is up to five years through equal monthly instalments.
Is there a grace period?
A grace period of up to three months may be available depending on the project and business requirements.
How much equity is required?
The borrower must provide a minimum 25% equity contribution toward the project cost.
Which bank processes the Pink Salt loan?
The financing is processed by the Bank of Punjab according to its credit policy and underwriting standards.
What is the processing fee?
The specified processing fee is PKR 10,000. Other applicable project, legal, valuation, documentation, mortgage and insurance costs may also apply.
Can a startup apply?
Yes, the scheme includes financing for establishing new value-addition plants for Pink Rock Salt, subject to meeting the eligibility and credit requirements.
Can an existing salt processing business apply?
Existing eligible units can seek financing for expansion, modernization, BMR, machinery and other eligible value-addition activities.
Where can I apply online?
The official online application portal is pinksalt.punjab.gov.pk.
CM Punjab Pink Salt Initiative 2026
The CM Punjab Pink Salt Initiative 2026 provides a financing route for Punjab-based SMEs seeking to establish, expand or modernize businesses involved in Pink Rock Salt value addition.
With financing of up to PKR 50 million, a 0% end-user rate, up to five years repayment and a possible three-month grace period, the initiative is focused on supporting modern processing and value-added pink salt businesses.
pinksalt.punjab.gov.pk Online Apply
Applicants should complete the process through the official portal pinksalt.punjab.gov.pk and remember that final financing approval is subject to the applicable eligibility requirements, project assessment and Bank of Punjab credit policy.
Contact Number Pink Salt Scheme
| Contact Information | Details |
|---|---|
| Department | Directorate General of Mines and Minerals, Punjab |
| Phone | 042-99214865, 042-99212724 |
| dgmines.gob.pb@gmail.com | |
| Office Address | Poonch House Office, Multan Road, Poonch House Colony, Chauburji Quarters, Lahore |