Dareecha

CM Punjab Asaan Karobar Finance

A Punjab government scheme that gives small and medium businesses interest-free loans of Rs1 million to Rs30…

1 / 6

Registration open

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 s…

2 / 6

What you get

0% end-user markup, with the Punjab government paying the bank's markup. Tier 1: Rs1-5 million on a personal guarantee. Tier 2: Rs6-30 million, secured. Export/SME window: up to Rs50 million, secured. All tiers can run…

3 / 6

Monthly installment

Rs 5,000,000 (Tier 1 (clean loan, personal guarantee)) at 0% over 5 years: about Rs 92,593 a month.

4 / 6

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

5 / 6

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…

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