CM Punjab Asaan Karobar Card 2025 – Online Application

CM Punjab Asaan Karobar Card

The Punjab government has taken a great step that will greatly benefit small entrepreneurs and those starting new businesses. The Chief Minister of Punjab has launched a program called “Asaan Karobar Card 2025” under which you can get interest-free loans. With this loan, you can start your business or expand an existing business.

All this will be done digitally so that you do not have to stand in lines or go around offices.

Also Read: BISP Fingerprint Issue Resolved for 13500 New Payments

What are the special features of this card?

• You can get a loan of up to Rs 10 lakh without interest.
• The loan repayment period is 3 years.
• No installment will be required for the first 3 months.

In the first year, you can use the loan repeatedly (i.e. revolving credit), after which you will have to pay installments every month for the next two years.

اس اسکیم کے تحت اہل افراد کو بلا سود قرض فراہم کیا جائے گا جس کی زیادہ سے زیادہ حد 10 لاکھ روپے (PKR 1,000,000) ہے۔ قرض کی واپسی کی مدت تین سال رکھی گئی ہے، جس میں ابتدائی 3 ماہ کی رعایتی مدت بھی شامل ہے۔ پہلے 12 مہینے قرض لینے والے افراد کو “روولونگ کریڈٹ” کی سہولت دی جائے گی جبکہ باقی 24 مہینے فکسڈ ماہانہ اقساط کی شکل میں ادائیگی کرنا ہوگی۔

Where can the loan be used?

You can do the following with this loan:

• Give money to a supplier or vendor to buy goods.
• Pay electricity, water, or government taxes.
• Make business payments through a POS machine or mobile app.
• 25 percent of the loan can also be withdrawn in cash (but only for business).

Who is eligible for this card?

You can apply for this card if you meet the following conditions:

• You live in Punjab.
• Your CNIC should be valid and your mobile number should be active.
• Your business should be in Punjab or you want to start a business.
• You should be between 21 and 57 years of age.
• You should have a good credit history.
• You should be able to pass psychological and credit tests.

How to apply For Asaan Karobar Card

• Visit the official website of Punjab Information Technology Board (PITB)
• Complete the online application form
• Pay a non-refundable processing fee of Rs. 500
• Upload the required documents (CNIC, business information, etc.)
• Digital verification, business address, and credit background will be checked
• Upon approval, the card will be issued

How will you get the loan?

• You will get 50% of the total amount in the first six months.
• The remaining 50% will be available later when your business is registered with PRA or FBR.
• After the grace period, you will have to repay 5% of the amount used every month.
• You will pay the remaining amount in 24 installments.

Where can the loan not be used?

• For personal expenses
• For any other purpose other than business
• Investments like stock market etc.

Fees and charges

• Annual fee: Rs. 25,000 (this will be deducted from the loan)
• Late payment charges: As per the bank’s policy
• Insurance and card issuance fees will also be applicable

How will the security and verification be done?

• You will have to provide a self-signed guarantee
• Your life insurance will be mandatory.
• Your business location will be verified.
• You will have to register your business with government agencies within 6 months.

Contact Information

If you need help with the application or anything else, call the Punjab government’s helpline 1786.

Also Read: How To Verify Payment Through BISP 8171 Web Portal?

Conclusion

The Chief Minister Punjab Easy Business Card 2025 is a great opportunity for those who want to do business but do not have capital. Interest-free loans, easy installment repayments, and a completely digital system make this scheme special.

If you also want to take your business forward, visit the PITB website and apply today.