CM Punjab Maryam Nawaz Asaan Karobar Program 2025 Online Registration akf.punjab.gov.pk
The CM Punjab Asaan Karobar Program 2025 is an inspiring initiative introduced by the Punjab government to support Small and Medium Enterprises (SMEs). This program provides interest-free loans to help businesses grow, modernize, and thrive in the competitive market. Its goal is to promote entrepreneurship, create jobs, and encourage sustainable business practices in Punjab. In this article , we explain complete details about program,eligibility criteria and application process.
Core Features of the Program
The program is specifically designed to assist SMEs in multiple ways:
- Starting New Businesses: It provides funding to people who want to turn their ideas into reality.
- Expanding Existing Businesses: Entrepreneurs can access funds to grow their operations or upgrade equipment.
- Leasing Support: It facilitates the lease of logistics to improve operational efficiency.
- Environmental Initiatives: Businesses adopting eco-friendly technologies are encouraged and supported under this program.

Eligibility Criteria for Asaan Karobar Loan Scheme
To apply for this program, applicants must meet the following requirements.
- Business Size: Small enterprises must have annual sales of up to PKR 150 million, while medium enterprises should have sales between PKR 150 million and PKR 800 million.
- Age Limit: Applicants should be between 25 and 55 years old.
- Tax Compliance: Must be an active taxpayer registered with the Federal Board of Revenue (FBR).
- Location: Both business and residence should be in Punjab.
- Documents Needed: A valid CNIC and National Tax Number (NTN) are essential.
- Business Premises: Ownership or rental proof of the business location is required.
Loan Details and Terms
The CM Punjab Asaan Karobar Program 2025 offers two types of loans with distinct features.
Tier 1 (T1) loans are designed for smaller business needs, offering amounts between PKR 1 million to PKR 5 million. These loans require a personal guarantee as security and have a tenure of up to 5 years. One of the biggest advantages of T1 loans is the 0% interest rate, making them entirely interest-free. Applicants need to pay a nominal processing fee of PKR 5,000.
On the other hand, Tier 2 (T2) loans cater to larger financial requirements, with amounts ranging from PKR 6 million to PKR 30 million. These loans are secured and also offer a tenure of up to 5 years. Like T1 loans, T2 loans are completely interest-free but require a processing fee of PKR 10,000.
Additional Financial Details
- Grace Period: Startups get up to 6 months, while existing businesses have a grace period of 3 months.
- Equity Contribution:
- No contribution for T1, except for leased vehicles (25%).
- 20% for T2 loans (10% for females, transgender individuals, and differently-abled persons).
- Repayment: Equal monthly installments.
- Late Fee: PKR 1 per PKR 1,000 per day for overdue payments.
- Other Costs: Includes insurance, legal, and registration fees based on actual charges.

How to Apply
The application process is simple and entirely online. Follow these steps:
Prepare Required Documents
- A passport-sized photo or selfie.
- Scanned copies of the front and back sides of your CNIC.
- Details of two non-relative references (names, CNIC, and contact numbers).
- Proof of business and residence (rent agreement or registry).
- Taxpayer status verification.
- Security documents (if applying for T2).
Submit Application
- Visit the official portal at https://akf.punjab.gov.pk/.
- Sign up using your registered mobile number.
- Fill out the application form, which takes about 15 minutes.
- Upload necessary documents and additional business details.
- Pay the application fee:
- PKR 5,000 for T1 loans.
- PKR 10,000 for T2 loans.
- Submit the application.
- Upon submission, you will receive an application registration number and status updates via SMS.

Benefits of the CM Punjab Asaan Karobar Program 2025
- Empowers Entrepreneurs: It helps new and existing businesses grow without financial burdens.
- Job Creation: By supporting SMEs, the program generates more employment opportunities.
- Sustainability: Encourages businesses to adopt environmentally friendly practices.
- Inclusive Growth: Special benefits for women, transgender individuals, and differently-abled persons ensure equal opportunities.
Summary
The CM Punjab Asaan Karobar Program 2025 is a golden opportunity for SMEs in Punjab to achieve their business goals. By offering interest-free loans and simplified application procedures, the government is fostering entrepreneurship and economic growth. If you meet the eligibility criteria, don’t miss this chance to take your business to new heights.
FAQ’s
What is the CM Punjab Asaan Karobar Program 2025?
The CM Punjab Asaan Karobar Program 2025 is an initiative by the Punjab government to provide interest-free loans to Small and Medium Enterprises (SMEs) to support entrepreneurship, business growth, and sustainable practices.
Who is eligible to apply for the program?
Eligibility criteria include:
- Business size: Annual sales up to PKR 150 million (small) or between PKR 150 million and PKR 800 million (medium).
- Age: Applicants must be between 25 and 55 years old.
- Location: Business and residence must be in Punjab.
- Tax compliance: Must be an active taxpayer registered with the FBR.
- Valid CNIC and NTN are required.
What types of loans are offered under this program?
The program offers two loan types:
- Tier 1 (T1): Loans between PKR 1 million to PKR 5 million for smaller business needs.
- Tier 2 (T2): Loans between PKR 6 million to PKR 30 million for larger financial requirements
Are the loans completely interest-free?
Yes, both Tier 1 and Tier 2 loans are entirely interest-free. Applicants only need to pay a nominal processing fee of PKR 5,000 for T1 loans and PKR 10,000 for T2 loans.
What documents are required for the application?
Applicants must provide:
- CNIC (front and back).
- National Tax Number (NTN).
- Passport-sized photo or selfie.
- Proof of business and residence (rent agreement or property registry).
- Security documents for T2 loans (if applicable).
How can I apply for the Asaan Karobar Program 2025?
You can apply online by visiting the official portal: https://akf.punjab.gov.pk/. Registering with your mobile number. Filling out the application form and uploading required documents. Paying the processing fee and submitting the application.
What is the repayment schedule for the loans?
Repayments are made through equal monthly installments, with a grace period of Up to 6 months for startups and 3 months for existing businesses.
Are there any penalties for late payments?
Yes, there is a late fee of PKR 1 per PKR 1,000 per day for overdue payments.
What are the equity contribution requirements?
For Tier 1 loans: No contribution is required, except for leased vehicles (25%). For Tier 2 loans: 20% equity contribution is required, reduced to 10% for females, transgender individuals, and differently-abled persons.
What are the benefits of the program for entrepreneurs?
The program empowers entrepreneurs by providing financial assistance without the burden of interest. Encouraging job creation and sustainable business practices. Supporting women, transgender individuals, and differently-abled persons with special benefits.
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