Dareecha

CM Punjab Asaan Karobar Card

A digital business card from the Punjab government and the Bank of Punjab that gives small entrepreneurs an i…

1 / 6

Registration closed

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.

2 / 6

What you get

Interest-free (0% end-user rate) credit limit of up to Rs1 million on a digital SME card, for 3 years. The card works as a revolving facility for the first 12 months, and the remaining balance is then repaid in 24 equal…

3 / 6

Monthly installment

Rs 1,000,000 (Asaan Karobar Card (full limit)) at 0% over 3 years: about Rs 30,303 a month.

4 / 6

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

5 / 6

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 digita…

6 / 6

Helpline

1786. Apply only on the official portal; registration is free.

Full details & eligibility

Documents, steps, FAQs and the official links on dareecha.pk.

Read the scheme guide