Requirements to Apply for Asaan Karobar Finance Scheme (2025)

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.

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.

Basic Requirements for Application

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

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

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

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

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

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

6. Assessment – Applicant must pass credit and psychometric assessment.

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

Documentation & Verification Requirements

• CNIC Verification – Digitally check hoga.

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

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

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

Financial Requirements & Loan Conditions

1. Loan Amount – Up to PKR 1 million.

2. Loan Type – Revolving credit facility for 12 months.

3. Repayment Term – 24 equal monthly installments after first year.

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

5. Usage Rules –

   • Vendor and supplier payments

   • Utility bills, government fees, taxes

   • Cash withdrawal (up to 25% of limit)

   • Digital transactions through POS and mobile app

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

Charges / Fees

• Processing Fee – PKR 500 (non-refundable).

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

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

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

Security & Guarantee

• Personal Guarantee – Digitally signed by applicant.

• Life Assurance – Included under the scheme.

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

How to Apply?

1. Visit official portal – akf punjab gov pk login

2. Go to Asaan Karobar Finance Login section.

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

4. Upload required documents.

5. Pay PKR 5000 processing fee.

6. Wait for digital verification and approval.

Final Words

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.

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.