Asaan Karobar Finance Scheme 2025 – Interest-Free Loans Up to PKR 30 Million

In response to Pakistan’s evolving economic landscape, the Government of Punjab has introduced a groundbreaking financial initiative—the Asaan Karobar Finance Scheme 2025. This flagship program aims to uplift small businesses, empower youth and women entrepreneurs, and create employment opportunities across the province through the provision of interest-free loans up to PKR 30 million.

Backed by the leadership of Chief Minister Maryam Nawaz Sharif, this initiative is a part of a broader economic reform plan that focuses on job creation, innovation, and sustainable business growth.

What is the Asaan Karobar Finance Scheme?

The Asaan Karobar Finance Scheme (آسان کاروبار فنانس سکیم) is a multi-billion-rupee interest-free loan program launched to stimulate entrepreneurship in Punjab. With loans available from PKR 1 million to PKR 30 million, the scheme is designed to help individuals launch or expand their businesses without the burden of interest-based financing.

It supports a wide range of sectors, including agriculture, logistics, manufacturing, retail, IT, and eco-friendly businesses. By offering flexible repayment terms, digital processing, and additional advisory services, the scheme intends to create a robust business ecosystem throughout Punjab.

Loan Structure: Two-Tiered Model

To cater to the needs of entrepreneurs at different stages, the Asaan Karobar Finance Scheme is divided into two tiers:

Tier-1 (T1): Unsecured Loans

• Loan Amount: PKR 1 million to PKR 5 million
  
• Collateral: Not required; backed by personal guarantee
  
• Interest Rate: 0% (completely interest-free)
  
• Loan Tenure: Up to 5 years
  
• Grace Period: 6 months for new businesses, 3 months for existing ones
  
• Processing Fee: PKR 5,000
  

Ideal for small businesses or startups with limited assets, this tier provides easy entry into entrepreneurship.

Tier-2 (T2): Secured Loans

• Loan Amount: PKR 6 million to PKR 30 million
  
• Collateral: Required (property, equipment, or other secured assets)
  
• Interest Rate: 0%
  
• Loan Tenure: Up to 5 years
  
• Processing Fee: PKR 10,000

Tier-2 is suited for established enterprises that need large-scale funding for expansion, modernization, or export-based operations.

Key Benefits of the Scheme

1. Interest-Free Capital

Entrepreneurs can borrow significant sums without incurring interest, making it easier to manage cash flow and reinvest profits into business growth.

2. Capital Subsidy for Renewable Energy

Businesses adopting solar technology or clean production methods can access an additional PKR 5 million subsidy, encouraging eco-friendly practices.

3. Long-Term Leasing Support

To combat high land costs, the government offers 30-year leases for small industrial estates, making it easier to acquire space for business operations.

4. Equity Relaxation for Underrepresented Groups

• 0% equity for most Tier-1 applicants
  
• 20% equity for Tier-2 loans
  
• 10% equity for women, transgender persons, and differently-abled individuals

This inclusive approach ensures equitable access to funding.

5. Non-Financial Advisory Support

Entrepreneurs also receive support in business planning, marketing strategy, infrastructure setup, and legal processes, ensuring long-term sustainability.

Who Can Apply?

Applicants must meet the following eligibility criteria:

• Must be between 25 to 55 years old
  
• Hold a valid CNIC and NTN.
  
• Be an active FBR tax filer
  
• Own or lease a business located in Punjab
  
• Maintain a clean credit history
  
• Submit complete documentation (business plan, feasibility report, proof of premises, etc.)

Supported Business Types

The Asaan Karobar Finance Scheme supports a wide range of businesses, including but not limited to:

• Agriculture & agri-tech startups
  
• Retail and wholesale traders
  
• E-commerce and tech firms
  
• Logistics and warehousing
  
• Manufacturing and industrial units
  
• Renewable energy businesses
  
• Women-led and youth-driven enterprises

Whether you are launching a new venture or scaling an existing one, this scheme provides the financial boost you need.

Application Process – Step by Step

Applying for the Asaan Karobar Finance Scheme is fully digital and straightforward:

Step 1: Register Online

• Visit the official portal (e.g., akf.punjab.gov.pk)
  
• Click “Apply for Asaan Karobar Finance.”
  
• Read the instructions and proceed

Step 2: Enter Personal Information

• Name, CNIC, DOB, mobile number, and email
  
• Create a secure password to access your account.

Step 3: Business & Loan Details

• Business type, location, employees, turnover
  
• Select your tier (T1 or T2)
  
• Enter the desired loan amount and tenure

Step 4: Financial Details

• Mention the purpose of the loan, the status of the business, and the credit history
  
• Upload feasibility reports and tax documents.

Step 5: References & Documents

• Provide at least two references (non-blood relatives)
  
• Upload CNIC, business registration, rent/ownership documents, and NTN certificate.

Step 6: Submit & Track

• Pay the processing fee (PKR 5,000 or 10,000)
  
• Submit the application and save your registration number
  
• Check status online or via SMS notifications
  

Upcoming Phase II: Bigger, Bolder, Broader

The Punjab Government has already announced a Phase II rollout for the fiscal year 2025–2026 with a budget of PKR 100 billion, expected to support over 24,000 SMEs.

Key additions in Phase II:

• Streamlined verification via NADRA & FBR integrations
  
• Expansion to remote districts and underdeveloped zones
  
• Priority funding for green technology, export units, and tech-based businesses

This phase solidifies the scheme as the backbone of Punjab’s entrepreneurial transformation.

Asaan Karobar Card: Empowering Micro Enterprises

The government has also introduced the Asaan Business Card, a micro-loan facility offering:

• Up to PKR 1 million interest-free
  
• 3-year repayment term
  
• Fully digital fund disbursement
  

This initiative is targeted at street vendors, shopkeepers, freelancers, and other micro-entrepreneurs seeking small capital for day-to-day operations.

Helpline & Contact

Need help with your application?

Helpline: 1786 (Toll-Free)
Portal: https://benazirincomesupportprogramme.pk/

Assistance is available in Urdu and English for general queries, documentation help, and application tracking.

Why This Scheme Matters

With more than 100,000 jobs expected from the initial phase alone, the Asaan Karobar Finance Scheme is not just a financial product—it’s a catalyst for economic revival.

• Promotes financial inclusion in underserved areas
  
• Reduces poverty through job creation
  
• Supports digital and green economy growth
  
• Boosts local production and exports
  
• Encourages women’s and youth entrepreneurship

Conclusion

The Asaan Karobar Finance Scheme 2025 is a bold and timely intervention by the Government of Punjab, offering a powerful opportunity for both aspiring and established business owners. By eliminating interest, lowering entry barriers, and offering full government backing, the scheme sets a new standard for inclusive economic development in Pakistan.

If you’ve been waiting for the right time to start your business, this is it. Don’t miss your chance to build a future with zero-interest financing, expert support, and provincial approval.

Apply now and turn your entrepreneurial dreams into reality.