Asaan Karobar Card Loan Scheme 2025
The Asaan Karobar Card is a radical interest-free loan scheme presented by the Government of Punjab to allow small business owners, businesspersons, and startups in Pakistan. With a all-out loan limit of PKR 1,000,000, this program provides easy payments, a 3-month grace retro, and flexible payment options to help trades grow without monetary pressure.
This guide covers all you need to know—eligibility, loan quantity, refund plan, usage rules, and appeal process—so you can brand the greatest of this golden opportunity.
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Quick Summary Table: Asaan Karobar Card Loan Scheme 2025
| Feature | Details |
| Program Name | Asaan Karobar Card Loan Scheme |
| Launch Date | 2021 (Updated in 2024) |
| Last Date to Apply | Open (Rolling Applications) |
| Loan Amount | PKR 50,000 to PKR 1,000,000 |
| Interest Rate | 0% (Interest-Free) |
| Repayment Period | 3 Years (36 Months) |
| Grace Period | 3 Months (No Payments) |
| Application Method | Online & Bank Branches |
| Eligibility | Small Business Owners, Entrepreneurs, Shopkeepers |
| Official Website | Punjab Government Portal (Insert Link) |
Who is Eligible for Asaan Karobar Card Loan?
1. Small Business Owners & Entrepreneurs
- Storekeepers, vendors, freelancers, and service breadwinners can smear.
- Must have a valid CNICand be a resident of Punjab.
- No bank loan default history.
2. Age & Business Requirements
- Candidates necessity be between 18 and 60 years old.
- Should must a running business or a solid business plan.
3. Income & Credit Score
- No strict income requirement, but commercial viability is check.
- No credit score needed(Unlike traditional set loans).
More Read:Punjab Himmat Card Scheme Phase II 2025
How Much Loan Can You Get?
The Asaan Karobar Card bargains three loan tiers:
| Loan Amount | Best For |
| PKR 50,000 – 300,000 | Small startups, home-based businesses |
| PKR 300,000 – 500,000 | Medium shops, small workshops |
| PKR 500,000 – 1,000,000 | Large businesses, expansion projects |
Asaan Karobar Card Repayment Plan (Easy Installments)
1. 3-Month Grace Period
- No payments for the first 3 months(Commercial steadying period).
2. Year 1: Only 5% Monthly Repayment
- Example:If you take PKR 500,000, you wage PKR 25,000/month in the first year.
3. Year 2 & 3: Remaining Amount in 24 Installments
- The rest of the loan is alienated into equal monthly payments.
How to Use the Asaan Karobar Loan Scheme? (Allowed & Prohibited Uses)
Approved Business Expenses
✔ Purchasing inventory & raw materials
✔ Compensating utility bills (electricity, gas, rent)
✔ Business licenses & taxes
✔ Getting equipment & tools
Prohibited Uses (Will Block Your Card)
Personal shopping, groceries, or travel
Cash withdrawals beyond 25% limit
Illegal or non-business transactions
How to Apply for Asaan Karobar Card Loan? (Step-by-Step Process)
1. Online Application (Recommended)
- Visit the official Punjab Administration portalor Bank of Punjab website.
- Fill out the application formwith commercial details.
2. Document Submission
- CNIC copy
- Business proof (Shop license, utility bill, etc.)
- Mobile number & biometric verification
3. Approval & Card Issuance
- Verification takes 15-30 days.
- If permitted, you’ll receive an Asaan Karobar Debit Card.
More Read:BISP 8171 June 2025 Payment Check
What Happens If You Misuse the Loan?
- Transactions will be blockedif used for individual expenditures.
- Card can be canceled, and you may be blacklistedfrom imminent patterns.
Benefits of Asaan Karobar Card Loan
✔ Interest-free loan (0% markup)
✔ Easy installments (No bank pressure)
✔ No collateral required
✔ Helps grow small businesses
Final Verdict: Should You Apply?
If you’re a small commercial owner in Punjab, the Asaan Karobar Card Loan Scheme 2025 is a game-changer. With no attention, flexible repayment, and up to PKR 1 million backing, it’s the best financial provision for businesspersons.
Apply now and boost your business growth!
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FAQs About Asaan Karobar Card Loan
Can I apply if I already have a bank loan?
Yes, but you must not be a debtor.
Is this loan available in all Punjab cities?
Yes, all districts of Punjab are qualified.
How long does approval take?
Usually 15-30 days after request.
Can I repay early?
Yes, early repayment is allowed without penalty.
Conclusion
The Asaan Karobar Card Loan 2025 is a lifeline for small trades in Pakistan. With simple repayments, zero attention, and numerical expenditure options, it’s the perfect monetary aid for businesspersons. Apply today and safe your commercial future!