Asan Karobar loan Scheme was launched by Punjab Chief Minister Maryam Nawaz in 2025. Under this scheme, loans will be given to people running small businesses in Punjab and those who want to start their own businesses will also be given loans. This is a new and fruitful program by the Punjab government that gives small and medium entrepreneurs an opportunity to emerge.
The aim of this scheme is to promote small businesses in Punjab. This scheme was launched by the Punjab Chief Minister in 2025. In this scheme, the Punjab Chief Minister will give business applicants an Asan Karobar Loan Scheme Card under which they will be able to get loans. Through this card, they can easily manage their bills, utility bills and business items.
Visit Site for Other Govt Schemes: All Govt Schemes
Eligibility Criteria For Asan Karobar Loan Scheme
The scheme launched by Maryam Nawaz, the Asan Karobar Loan Scheme, is not for everyone. It is only for those who want to start a new and grow their small business. Those who are going to apply for this scheme must meet the following conditions:
Documents Required for Asan Karobar loan Scheme
There is a very easy online method to apply for the Asan Karobar Loan Scheme, through which the can submit their application online through mobile while sitting at home. All that is required to apply is some documents, which are as follows:
Apply Online to Asan Karobar loan Scheme
To Apply Online in this scheme follow the following steps:
Loan Amount, Duration, Repayment Plan and Asan Karobar Card Usage
Those applying for the Asan Karobar Loan Scheme will be given a digital SME card called the Asan Karobar Loan Scheme Card. Through this card, they can make payments to their vendors, purchase items for their shop or business, etc. This card is not for use in any entertainment and is not for personal purchases or entertainment.
| Feature | Details |
| Loan Limit | Up to PKR 10,00,000 (1 million) |
| Loan Type | Revolving Credit Facility |
| Tenure (Duration) | 3 years |
| Grace Period | 3 months |
| Repayment | 24 equal monthly installments |
| Monthly Minimum Payment | Minimum 5% of outstanding loan |
Loan Disbursement Process & Card Usage Guide for Asan Karobar loan Scheme
After applying for the Asan Karobar Loan Scheme, when your name is selected, you will be notified through SMS and your Asan Karobar Loan Scheme card will reach you through post. To use this card, you have to follow some conditions. You cannot use this card for any unnecessary payment etc. You cannot use this card for your personal household use.
You can only use this card for your business, such as paying your business expenses, paying your vendors or paying for any kind of goods etc. of your business. Or, apart from this, it can also be used to pay utility bills of your shop or business etc. or any other kind of bills etc.
Asan Karobar Loan Scheme – Loan Details
| Loan Type | Amount Limit | Security | Purpose |
| Tier-1 | Up to PKR 5 Million | Personal Guarantee only | Small scale business needs |
| Tier-2 | PKR 5 – 30 Million | Secured Loan (Collateral required) | Larger SMEs or growth phase |
Charges, Fees & Repayment Penalties in Asan Karobar Loan Scheme
The Asan Karobar Loan Scheme provides loans to small businesses that are interest-free. Getting interest-free loans is a great thing. When these loans are given to poor and small businesses, they are told some rules which are very important to follow. If they go against them, they can be disqualified and removed from this scheme. If a person misuses the Asan Karobar Loan Scheme card provided by this scheme,
For example, if he uses this card anywhere other than his business, then the transaction of this card will be automatically blocked from the future and if he does not pay the installment of this card on time, then he will have to pay late charges as per the bank’s schedule and if he uses this card for wrong funds, then his loan will be canceled and legal action will be taken against him and if his verification fails while applying for the scheme, then the application will be rejected and he will be disqualified from the scheme.
| Type of Fee | Amount | Description |
| Processing Fee | PKR 500 (non-refundable) | Paid during application submission |
| Annual Card Fee | PKR 25,000 + FED | Automatically deducted from credit limit |
| Card Issuance & Delivery | Covered by the Scheme | No extra cost for delivery |
| Life Assurance | Included | For loan protection in case of death |
Frequently Asked Question-FAQs
Conclusion
Asan Karobar Loan Scheme is a scheme to help small businesses in Punjab. Chief Minister Maryam Nawaz has targeted those people who are working on a small scale or want to start a new business but face financial constraints through the scheme.
This scheme is not just a loan, but also digital empowerment – which gives you a Corona card, POS access, and mobile app-based loan management. All these things make the scheme modern and transparent.
The best thing is that it is 100% interest-free, and the repayment time is also easily planned. This is a golden opportunity for those who will run their business honestly and with determination.
