How To Apply Online For CM Punjab Asaan Karobar Card 

If you’re living in Punjab and thinking about starting your own business—or already running a small setup but need some help—then good news: the Punjab government is offering interest-free loans under a new scheme called the CM Punjab Asaan Karobar Card.

This program was launched by Chief Minister Maryam Nawaz Sharif to support small business owners and fresh startups across the province. Through this scheme, you can get a loan from Rs. 100,000 up to Rs. 1 million (10 lakh) with zero interest, and you can return it in easy monthly payments over 3 years.

A lot of people want to apply, but many don’t understand the full process. That’s why I’ve written this complete, step-by-step guide in simple language. By the end of this article, you won’t need to search anywhere else—everything you need to know is right here.

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Quick Info Table – Asaan Karobar Card at a Glance

Who Can Apply – Eligibility Criteria

Before applying, make sure you meet all the requirements below:

✅ You Must:

• Be a citizen of Pakistan and a resident of Punjab

• Be between 21 to 57 years old

• Have a valid CNIC (ID card)

• Have a mobile number registered on your CNIC

• Have a business (new or existing) based in Punjab

• Be clear of any loan defaults (from any financial service like JazzCash, EasyPaisa, banks, etc.)

❌ You Can’t Apply If:

• You’ve ever defaulted on a loan from any financial institution

• You’re involved in illegal or suspicious activities

• You already applied for another business under this program (one person = one business only)

📝 Note: Many people complain that even after meeting the criteria, their application gets rejected. The reason could be a default on a small digital loan (like from JazzCash or EasyPaisa), so double-check your credit history before applying.

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What Documents You’ll Need

Make sure you have these things ready:

• Valid CNIC

• Mobile number linked to your CNIC

• Your business details (type, location, etc.)

• NTN number (if available)

• Any proof of business (optional for new startups)

• Utility bill or rental agreement for business address

• Your bank account info

• A passport-size photo

How to Apply for the Asaan Karobar Card (Step-by-Step Guide)

The full process is done online, and you don’t need to go to any office. You can apply from your home, your shop, or even through a nearby computer shop.

Apply NOW

🔹 Step 1: Open the Website

Go to the official application website here:
👉 https://akc.punjab.gov.pk/applicationForm

🔹 Step 2: Start Your Application

Click on the button “Apply for Asaan Karobar Card.”
You’ll see an instruction page. Read the eligibility info and click “Accept & Proceed.”

🔹 Step 3: Create Your Account

You’ll need to enter the following:

• Your CNIC number

• Full name

• Father’s name

• Date of birth

• CNIC issue and expiry date

• Mobile number

• Password (make one you’ll remember)
  Once done, click Register

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🔹 Step 4: Login to Your Account

Now, login using your CNIC (as username) and password

🔹 Step 5: Fill the Form

You’ll now see the application form. It has a few parts:

🟢 Part 1 – Personal Info:

Your details like address, phone number, education, etc.

🟢 Part 2 – Business Info:

Details about your existing or planned business—type of business, location, size, etc.

🟢 Part 3 – Loan Info:

How much loan do you want? You’ll need to mention the amount (between Rs. 1 lakh and Rs. 10 lakh) and what you’ll use it for.

🟢 Part 4 – Upload Documents:

Upload scanned images of your CNIC, business proof (if available), and any other required documents.

🔹 Step 6: Submit

Click on Submit to send your application.

What Happens After You Apply?

After submission, here’s what comes next:

1. ✅ You’ll be scheduled for an online psychometric test (don’t worry—it’s basic).

2. ✅ If you pass, you’ll need to agree to terms and conditions digitally.

3. ✅ Usually, there is no physical verification needed for new businesses.

4. ✅ After approval, you’ll need to provide a personal guarantee (like a friend or family member).

5. ✅ Once everything is done, you’ll get your Asaan Karobar Card and access to your loan!

Common Questions (FAQs)

❓ I’m not tech-savvy. Can someone help me apply?

Yes! You can go to any local computer shop or internet café, and they’ll help you fill out the form for a small fee.

❓ Is there any fee to apply?

No, applying is 100% free. However, there might be a processing fee later, once your application is approved.

❓ Can I use this loan to pay rent or salaries?

Yes! You can use it for most business expenses—rent, salaries, supplies, bills, or inventory.

❓ How long will it take to get the loan?

If everything goes smoothly, it usually takes 2 to 4 weeks after approval to get your card and loan amount.

Final Words – Why This Is a Big Opportunity

The Asaan Karobar Card Program is a rare and great opportunity—especially for people in Punjab who want to start something on their own but don’t have the money. There’s no interest, the application is simple, and the payback period is relaxed.

Whether you’re a tailor, mechanic, small trader, food stall owner, or someone with a startup idea—this can be your break.

Don’t wait too long. If you’re eligible, apply today, and take the first step towards financial independence.

If you still have any questions, feel free to drop them in the comments, and I’ll reply with full details.

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