CM Punjab Asaan Karobar Finance
وزیراعلیٰ پنجاب آسان کاروبار فنانس
Registration open Business & youth loans · Checked 30 October 2026
On 30 Oct 2026 the akf.punjab.gov.pk landing page showed live 'Apply For Asaan Karobar Finance' and 'Exports' buttons, and no closing date was given. Punjab Portal (31 Dec 2025) said the first phase was complete and a second phase of Rs90 billion was planned. The Rs50 million export window now appears in the portal's tier table.
A Punjab government scheme that gives small and medium businesses interest-free loans of Rs1 million to Rs30 million through the Bank of Punjab, for new start-ups, expansion, working capital, leased commercial vehicles or climate-friendly technology. An export/SME window lends up to Rs50 million. PSIC runs it and applications are made online at akf.punjab.gov.pk.
Installment calculator
Estimate in equal monthly installments. The bank's offer letter gives the final installment.
Who can apply
- Aged 25 to 55 years on the date you apply
- Both your residence and your business are in Punjab
- Valid CNIC (as per NADRA) and a valid NTN
- Active FBR tax filer with a clean credit (e-CIB) history
- Small enterprises with annual sales up to Rs150 million, or medium enterprises with sales above Rs150 million up to Rs800 million
- For working-capital, expansion or BMR loans you must own or rent the business premises in your, your partner's/director's or the business's name
- New start-ups and existing businesses in all sectors, including agri-SMEs, can apply
Who cannot apply
- Applicants under 25 or over 55
- People who are not active FBR tax filers or have no NTN
- Anyone with a bad credit history or overdue loans
- Businesses or residents outside Punjab
- Medium enterprises with annual sales above Rs800 million
Documents you need
- Valid CNIC
- NTN / proof of active FBR filer status
- Proof of Punjab domicile (listed by DGPR)
- Business plan or feasibility study (listed by DGPR; sample feasibility studies are on the PSIC and BOP websites)
- Ownership or rent papers of the business premises (for existing businesses)
- Security documents for Tier 2 and export loans
How to apply
- Go to akf.punjab.gov.pk and click 'Apply For Asaan Karobar Finance' (or the Exports option for the export/SME window)
- Register with your CNIC and mobile number and fill in your personal and business details online
- Choose your tier and loan purpose and pay the processing fee (Rs5,000 for Tier 1, Rs10,000 for Tier 2)
- The Bank of Punjab assesses the application digitally through its credit-scoring model and checks your credit history
- If approved, put in your equity share and any security, then receive the loan and repay in equal monthly instalments
- For help call the Asaan Karobar helpline 1786
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
How much can I borrow under Asaan Karobar Finance?
Rs1 million to Rs5 million under Tier 1 and up to Rs30 million under Tier 2, all interest-free. A separate export/SME window lends up to Rs50 million.
Is it really interest-free?
Yes. Borrowers pay 0% markup and the Punjab government pays the Bank of Punjab's markup. Processing fees, insurance, legal and registration costs still apply, and existing businesses pay a 3% a year handling fee.
What is the age limit?
You must be 25 to 55 years old on the date you apply.
Do I need to be a tax filer?
Yes. You need a valid NTN and must be an active FBR tax filer with a clean credit history.
How long do I get to repay?
Up to 5 years in equal monthly instalments. The About page gives up to 6 months' grace for new businesses and 3 months for existing ones.
How is it different from the Asaan Karobar Card?
The Card is a smaller revolving limit of up to Rs1 million for small traders, starting from age 21. The Finance scheme gives larger term loans of Rs1-30 million to SMEs aged 25-55 who file taxes.
Sources: Asaan Karobar Finance portal - About Program · Asaan Karobar Finance portal - landing page · Punjab Portal - Asaan Karobar Finance · PSIC - CM Punjab Asaan Karobar Finance · DGPR Punjab - Asaan Karobar Finance · 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.
