NOTICE: Registrations for CM Punjab Asaan Karobar Card are LIVE. Apply for up to PKR 20 Lakh interest-free.
اعلان: آسان کاروبار کارڈ رجسٹریشن شروع — 20 لاکھ بلا سود قرضہ کے لیے درخواست دیں۔
Government of Punjab

Asaan Karobar Card — Up To PKR 20 Lakh

CM Punjab Message:

"Asaan Karobar Card empowers small businesses across Punjab with interest-free revolving credit."

Register / Apply Now
CM Punjab
Maryam Nawaz Sharif
AKC Card
0% Mark-up Interest-Free Loan (بلا سود)
PKR 2.0 Million Max Funding Limit (20 لاکھ)
10,000+ Target SME Businesses (ادارے)

About Asaan Karobar Program

Financial inclusion for retailers in Punjab

The Chief Minister Punjab Asaan Karobar Card is a flagship program designed to formalize and boost small micro-businesses and shopkeepers across Punjab. By providing clean, collateral-free, and interest-free revolving credit, the Government of Punjab and the Bank of Punjab aim to support working capital requirements.

Beneficiaries will receive a digital credit card linked to their business bank accounts, enabling them to purchase inventory, pay utility bills, and manage cash flow with zero mark-up if repayments are made timely.

View All Tiers & Specs Open Registration Form

Eligibility Criteria

اہلیت کا معیار - Check if you qualify

  • Resident: Must be a resident of Punjab with a valid CNIC.
  • Age Limit: Applicant must be aged between 21 and 57 years.
  • Mobile Verification: SIM must be registered under applicant's CNIC.
  • Tax Filer: Active FBR tax filers receive priority.
  • Credit History: Clear e-CIB history (no banking default).

Frequently Asked Questions (سوالات)

What is the CM Punjab Asaan Karobar Card?
It is a government program providing interest-free revolving loans up to 2 million PKR (20 Lakhs) to small business owners, micro-entrepreneurs, and retail merchants across Punjab.
Are there any hidden mark-up rates or service charges?
No, the loan is 100% interest-free (0% markup). It is funded directly by the Punjab Government under the youth empowerment and small businesses expansion program.
How can I apply for the CM Punjab Asaan Karobar Card?
You can apply directly online by clicking on the "Register / Apply Now" button on this portal. Enter your CNIC, mobile number, personal and business details, and submit your application online.
Which bank is processing the loans?
The Bank of Punjab (BOP) is the official executing agency responsible for issuing the cards, verifying business premises, and managing repayments.
CM Punjab Citizen Support Helpline:
Dial 1786
A Joint Venture of Government Partners
Govt of Punjab Govt of Punjab
Bank of Punjab Bank of Punjab
PSIC Punjab PSIC Punjab
PITB Technology PITB Technology