Asaan Karobar Finance and Card: How to Apply
Asaan Karobar Finance and the Asaan Karobar Card are the Punjab government's interest-free business loan schemes, launched by Chief Minister Maryam Nawaz and run through the Bank of Punjab. The Card is for small businesses and works as a revolving credit card for business spending; the Finance scheme gives larger interest-free loans to start or grow a business. You apply online at akc.punjab.gov.pk (Card) or akf.punjab.gov.pk (Finance).
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The two schemes suit different sizes of business. Limits change between phases, so check the portal for current amounts.
| Feature | Asaan Karobar Card | Asaan Karobar Finance |
|---|---|---|
| For | Small and home-based businesses | Small and medium businesses |
| How you get the money | Card with a revolving limit for business spending | A loan |
| Interest | Interest-free | Interest-free |
| Run through | Bank of Punjab | Bank of Punjab |
| Apply at | akc.punjab.gov.pk | akf.punjab.gov.pk |
Who can apply
The main published conditions for the Asaan Karobar Card:
- Pakistani citizen and resident of Punjab.
- Aged roughly 21 to 57 (check the portal for the current range).
- Valid CNIC and a mobile number registered in your own name.
- A business — new or existing — in Punjab.
- One application per person or business.
🔑 The key point
The Finance scheme has its own eligibility and documents. Read the rules on akf.punjab.gov.pk before applying.
Asaan Karobar card apply online
Step by step:
- Open akc.punjab.gov.pk (Card) or akf.punjab.gov.pk (Finance).
- Register with your CNIC and mobile number.
- Fill in your personal and business details.
- Pay any processing fee shown on the official portal.
- Submit and keep your application reference.
⚠️ Careful here
Apply only on the official punjab.gov.pk portals. Fake websites and WhatsApp "agents" use the Maryam Nawaz loan scheme name to collect fees and personal details.
Asaan Karobar card status check
Log in to the same portal with your CNIC to see your application status. Applications go through verification, which can include a survey or visit to confirm the business. The official helpline is 1786.
How to use the money well
Interest-free does not mean free of risk — the money still has to be repaid on schedule.
- Spend it on things that earn: stock, tools, a machine, packaging.
- Keep business and household spending separate.
- Track sales weekly so you know repayments are covered.
- Grow in steps — prove one product sells before buying more stock.
Selling what you make
Many bazaar shopkeepers and home-based makers now also sell online. Opening a shop on dapxop is free: you list your products, buyers order from anywhere in Pakistan, and dapxop arranges delivery.
More loan options: Business Loan in Pakistan: Schemes and How to Apply · PM Youth Loan Scheme: Eligibility and How to Apply · Akhuwat Loan for Business: How to Apply.
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Frequently asked
What is Asaan Karobar Finance?
It is the Punjab government's interest-free business loan scheme, run through the Bank of Punjab, for starting or growing a business in Punjab.
What is the Asaan Karobar Card?
An interest-free business card from the Government of Punjab and Bank of Punjab, with a revolving limit for small businesses' business spending.
How to apply for Asaan Karobar Card online?
Register on akc.punjab.gov.pk with your CNIC and mobile number, fill in your details and submit. Use only the official portal.
How do I check my Asaan Karobar Card status?
Log in to akc.punjab.gov.pk with your CNIC, or call the official helpline 1786.
Is the Maryam Nawaz loan scheme interest-free?
Yes — the Asaan Karobar Card and Asaan Karobar Finance are both interest-free for eligible Punjab businesses.
Can people outside Punjab apply?
No, these schemes are for Punjab residents and businesses. People elsewhere can look at the PM Youth Business Loan or Akhuwat.