The Punjab Government is paving the way for economic growth through innovative initiatives, and the CM Punjab Asaan Karobar Finance Scheme 2025 is a prime example. This groundbreaking program is designed to empower small businesses, create job opportunities, and foster an entrepreneurial culture in Punjab. Let us dive into the details of this life-changing scheme and how it can benefit aspiring business owners.
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What is the Asaan Karobar Finance Scheme?
Target Beneficiaries
The scheme targets young entrepreneurs, small business owners, and individuals with innovative ideas but limited resources.
Eligibility Criteria
To qualify, applicants must:
- Be permanent residents of Punjab.
- Be between the ages of 21 and 55.
- Provide a viable business plan.
FBR Mein Registered han ap
• NTN Number
Ref Number
• CNIC Front back
Picture
2 references with CNIC and Mobile Number
• FBR Profile Inquiry form
30 lac tak apply k liye ye sb chaye
Agr 30 lac se zayada krwana ha to
1 Year Bank Statement
• Baqi business k related detail jo ap kam kr rhy than
Features of the Scheme
Key Benefits
- Easy access to finance.
- Simplified application process.
- Tailored financial solutions for various business needs.
Finance Amount
The scheme offers loans ranging from PKR 10,00,000 to PKR 3,00,00,000 depending on the business’s size and requirements.
Repayment Terms
Flexible repayment plans with low interest rates ensure that entrepreneurs can focus on growth without financial strain.
Benefits of the Scheme
Empowering Small Businesses
The scheme promotes self-reliance by equipping small business owners with the financial resources they need.
Creating Job Opportunities
By supporting entrepreneurs, the program indirectly creates job opportunities, contributing to economic stability.
Boosting the Economy
A thriving SME sector strengthens Punjab’s economy and encourages investment.
How to Apply for the Scheme
Applying for the Asaan Karobar Finance Scheme is straightforward. Here is how:
- Visit the official AKF portal.
- Create an account and fill out the application form.
- Upload the required documents, including your CNIC, proof of residence, and business plan.
- Submit the application before the deadline.
Dear Applicant
You must have scanned copies or clear visible pictures of the following documents ready before you start your application:
- Passport Size Picture / Selfies
- CNIC – Front Side
- CNIC – Back Side
Please ensure the following before starting your application:
- A Mobile Number Registered with your CNIC.
- Names, copies of CNIC, and mobile numbers of two references (not blood relatives).
- You are an Active Tax Filer.
- Provide details of business income and expenses as applicable.
- Copy of Rent Agreement/ Transfer Letter/ Registry for Business and Residence Addresses, whatever applicable is available.
- Ensure you meet the application criteria.
- You must have the Application Fee available.
- You must have the Details of Security to be offered for T2 Loans e.g. Property Transfer Letter / Register / Fard / Government Securities etc.
About the Application Submission:
- Please sign up to submit the application.
- You must have a mobile number registered in your name to start the application.
- This application will take at least 15 minutes to complete.
- You may complete the form in one go or save a draft for submission later on.
- Upload as much information as possible (e.g., Financial Statements, Business Feasibility, etc.).
- Processing on your application shall begin after submitting the complete form and Depositing the Fee.
- Application Submission Fees for Tier 1 is PKR 5,000 (Fees is Non-
- Refundable)
- Application Submission Fees for Tier 2 is PKR 10,000 (Fees is Non-Refundable)
- Once submitted, your application registration number will appear on the screen and via SMS.
- You will receive SMS updates or check the status on the website.
What is the minimum and maximum loan amount under the scheme?
Loans range from PKR 10,00,000 to PKR 3,00,00,000, depending on business needs.
Can women entrepreneurs apply for this scheme?
Yes, the scheme encourages women entrepreneurs to apply and supports them equally.
Are there any hidden charges?
No, the scheme is transparent, with no hidden charges.
How long does it take to process the application?
Typically, it takes 2–4 weeks to process an application.
What happens in case of default?
The government has a lenient policy but advises timely repayments to avoid penalties.
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