The Asaan Karobar Finance Scheme 2025 is a government-backed program in Punjab designed to provide interest-free loans up to PKR 1 million for small entrepreneurs and startups. Iss scheme ka main maksad yeh hai ke chotay karobari log aur naye startups apna business grow aur sustain kar saken through a digital SME card.

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If you are planning to apply through the asan karobar card login portal on akc punjab gov pk login, it’s very important to understand the full requirements.

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Basic Requirements for Application

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To apply for the Asaan Karobar Card / Finance Scheme, applicants must meet the following conditions:

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    Age Limit – Applicant ki age 21 to 57 years ke darmiyan honi chahiye.

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    Nationality – Must be a Pakistani national aur Punjab ka resident.

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    CNIC & Mobile – Valid CNIC aur applicant ke name pe registered mobile number required hai.

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    Business Location – Business (existing ya prospective) Punjab mein hi hona chahiye.

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    Credit History – Clean credit history, koi overdue loan nahi hona chahiye.

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    Assessment – Applicant must pass credit and psychometric assessment.

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    Application Limit – Sirf one application per person/business allowed hai.

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Documentation & Verification Requirements

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    CNIC Verification – Digitally check hoga.

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    Business Premises Verification – Urban Unit team verify karegi within 6 months.

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    Creditworthiness Check – Bank aur PITB system applicant ka record check karega.

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    PRA/FBR Registration – Mandatory within 6 months of card issuance.

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Financial Requirements & Loan Conditions

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    Loan Amount – Up to PKR 1 million.

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    Loan Type – Revolving credit facility for 12 months.

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    Repayment Term – 24 equal monthly installments after first year.

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    Grace Period – 3 months from card issuance before repayment start hota hai.

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    Usage Rules –

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      Vendor and supplier payments

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      Utility bills, government fees, taxes

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      Cash withdrawal (up to 25% of limit)

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      Digital transactions through POS and mobile app

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    End-User Interest Rate – 0% (purely interest-free).

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Charges / Fees

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    Processing Fee – PKR 500 (non-refundable).

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    Annual Card Fee – PKR 25,000 + FED (deducted from approved limit).

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    Other Charges – Life assurance, card issuance, and delivery covered by scheme.

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    Late Payment – Charges applicable as per bank’s policy.

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Security & Guarantee

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    Personal Guarantee – Digitally signed by applicant.

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    Life Assurance – Included under the scheme.

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    Urban Unit Verification – Physical check of business premises within 6 months.

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How to Apply?

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    Visit official portal – akf punjab gov pk login

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    Go to Asaan Karobar Finance Login section.

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    Fill application form with CNIC, business, and personal details.

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    Upload required documents.

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    Pay PKR 5000 processing fee.

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    Wait for digital verification and approval.

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Final Words

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The Asaan Karobar Finance Scheme 2025 is an excellent opportunity for small businesses and startups in Punjab. With 0% interest loans, digital transparency, and flexible repayment options, this scheme truly makes karobar asaan.

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If you meet the above requirements, visit the asan karobar card login page today and start your application for the Asaan Karobar Card Scheme 2025.