CM Punjab Asaan Karobar Card
وزیراعلیٰ پنجاب آسان کاروبار کارڈ
Registration closed Business & youth loans · Checked 30 October 2026
On 30 Oct 2026 the akc.punjab.gov.pk home page said 'Registration of applications has been stopped', and no reopening date was given. Punjab Portal reported 104,131 cards issued, worth Rs44 billion, by 31 Dec 2025.
A digital business card from the Punjab government and the Bank of Punjab that gives small entrepreneurs an interest-free revolving credit limit of up to Rs1 million for business spending. It is a separate scheme from Asaan Karobar Finance. New registrations were stopped on the akc.punjab.gov.pk portal when it was checked on 30 Oct 2026.
Installment calculator
Estimate in equal monthly installments. The bank's offer letter gives the final installment.
Who can apply
- Pakistani national resident in Punjab as per valid CNIC
- Aged 21 to 57 years
- Existing or prospective small business located in Punjab
- Mobile number registered in your own name
- Clean credit history with no overdue loans, and a satisfactory credit and psychometric assessment
- Only one application per person and per business
Who cannot apply
- Applicants under 21 or over 57
- Anyone with overdue loans or a poor credit history
- Businesses located outside Punjab
- A second application from the same person or business
- Personal or non-business spending (such transactions are blocked on the card)
Documents you need
- Valid CNIC
- Mobile SIM registered in the applicant's name
- Business premises details (verified digitally and physically by the Urban Unit)
- PRA/FBR registration within six months of card issuance
How to apply
- When registration is open, apply online at akc.punjab.gov.pk (PITB portal) with your CNIC and own mobile number
- Pay the non-refundable Rs500 processing fee
- Your CNIC, creditworthiness and business premises are verified digitally by authorised agencies
- If approved, the Bank of Punjab issues the card and you spend through the mobile app or POS on business payments
- Register with PRA/FBR within six months to unlock the second half of the limit
- Call 1786 for help
Helpline: 1786
Apply only on the official portal. Registration is free; never pay an agent or share your CNIC, PIN or OTP with anyone who calls you.
Questions
Is the Asaan Karobar Card the same as Asaan Karobar Finance?
No. The Card is a revolving digital credit limit of up to Rs1 million for small businesses. Asaan Karobar Finance gives larger term loans of Rs1-30 million to SMEs.
Can I apply for the card now?
No. As of 30 October 2026 the portal says registration of applications has been stopped. Check akc.punjab.gov.pk or call 1786 for any reopening.
Is there any cost if the loan is interest-free?
Yes. There is a Rs500 processing fee and an annual card fee of Rs25,000 plus FED, taken from your limit. Late payments are charged under the bank's schedule.
How is the card repaid?
Repayment starts three months after the card is issued, with at least 5% of the outstanding principal each month. Whatever is left after the first year is repaid in 24 equal monthly instalments.
Can I withdraw cash?
Up to 25% of the limit can be taken as cash for business purposes. The rest must be spent digitally on vendors, utility bills, government fees and taxes.
Sources: Asaan Karobar Card portal - home · Asaan Karobar Card portal - About Program · Punjab Portal - CM Punjab Asaan Karobar Card · PSIC - CM Punjab Asaan Karobar Card · Punjab Portal - Aasaan Karobar Finance Scheme sets new records (31 Dec 2025). Dareecha is not a government website. Scheme rules change; always confirm on the official portal.
