Asaan Karobar 2026 Online Apply | Business Loan 3 Crores | Maryam Nawaz Loan Scheme 2025
The Maryam Nawaz Loan Scheme 2025, now continuing under the Asaan Karobar 2026 initiative, is a major step by the Government of Punjab to support young entrepreneurs and small business owners. Through this program, the provincial government aims to make business financing easier, faster, and interest-free for people who want to start or expand their ventures.
The Asaan Karobar Finance Scheme offers business loans of up to 3 crores, while the Asaan Karobar Card provides revolving credit of up to 10 lakh rupees — making it one of Pakistan’s most accessible business loan programs in recent years.
This article explains everything you need to know about Asaan Karobar 2026, including eligibility, loan details, required documents, and the online application process.
Understanding the Maryam Nawaz Asaan Karobar Loan Scheme
The Chief Minister of Punjab, Maryam Nawaz, launched the Asaan Karobar Finance Program to empower youth and small business owners across the province. The initiative focuses on removing financial barriers for startups, freelancers, and small-scale industries by offering interest-free and subsidized loans through the Bank of Punjab (BOP).
The scheme has two main components:
WhatsApp Channel- Asaan Karobar Finance (Business Loan up to 3 Crores)
- Asaan Karobar Card (Revolving Credit up to 10 Lakh)
Both are designed to meet different business needs — from large-scale expansion to short-term cash flow management.
Asaan Karobar Finance – Business Loan up to 3 Crores
The Asaan Karobar Finance facility provides major funding support to small and medium-sized enterprises (SMEs), startups, and existing businesses across multiple sectors.
Key Features:
- Loan Limit: Up to PKR 30 million (3 crores)
- Interest Rate: Interest-free or subsidized (depending on business size and category)
- Eligible Sectors: IT, agriculture, e-commerce, retail, services, and manufacturing
- Target Audience: Entrepreneurs, existing business owners, and educated youth
Eligibility Criteria:
- Must be a Pakistani citizen with residence in Punjab
- Age between 21 and 45 years (up to 57 for special categories)
- Have a business plan or existing business
- Clean credit record with no loan defaults
Application Process:
Applicants can apply online through the Punjab Information Technology Board (PITB) or the Bank of Punjab’s official portal. The system is designed to be simple, transparent, and free from unnecessary paperwork.
This financing option helps entrepreneurs scale up their operations and create employment opportunities, directly contributing to Punjab’s economic growth.
Asaan Karobar Card – Interest-Free Business Credit
The Asaan Karobar Card is another vital part of this initiative, designed for individuals who need quick and flexible access to funds for operational expenses.
Main Features:
- Loan Limit: Up to PKR 1 million (10 lakh)
- Loan Type: Revolving credit facility (valid for 12 months)
- Interest Rate: 0% mark-up
- Usage: Vendor payments, utility bills, taxes, raw material purchases, or partial cash withdrawal (up to 25%)
- Repayment: After a short grace period, repayment can be made in monthly installments
Application Process:
The Asan Card can be applied for online through the PITB portal. A small non-refundable processing fee (e.g., PKR 500) may apply. The process is entirely digital and designed for user convenience.
This card allows business owners to manage daily financial needs efficiently without applying for large loans each time.
How to Apply for Asaan Karobar 2026 Online
The online application process for Asaan Karobar 2026 is expected to remain active throughout 2026 under the Punjab government’s entrepreneurship policy.
Here’s a simple step-by-step guide:
- Visit the official Punjab government or Bank of Punjab (BOP) website.
- Go to the Asaan Karobar Finance / Card Application Portal.
- Create an account and log in using your CNIC number.
- Choose the type of loan you wish to apply for (Finance or Card).
- Fill in your personal and business details accurately.
- Upload the required documents (CNIC, domicile, business plan, etc.).
- Submit the application and note down your tracking number.
Once submitted, your application will go through the initial verification, and shortlisted applicants will be contacted for further evaluation or interview.
Required Documents for Online Application
When applying for Asaan Karobar Finance or Asan Card, make sure you have the following documents ready:
- Valid CNIC (Computerized National Identity Card)
- Proof of Punjab residence or domicile
- Business plan or feasibility report
- Educational or vocational certificates
- NTN (National Tax Number) or FBR registration (may be required within 6 months of approval)
Incomplete or incorrect documentation can delay your approval, so it’s important to verify all details before submission.
Loan Repayment and Grace Period
For both loan types, a grace period of around three months is provided to help new businesses stabilize before repayment starts. After this period, payments are made monthly through easy installments to the designated bank account.
This flexibility makes the Asaan Karobar Scheme more practical for startups and small business owners who need time to generate consistent income.
Goals and Vision of Asaan Karobar Scheme
The main purpose of the Maryam Nawaz Loan Scheme is to promote youth employment and financial independence. By providing interest-free capital, the government encourages more people to start businesses, increase production, and strengthen the local economy.
The program also emphasizes women entrepreneurship, making it accessible for female business owners to launch or expand their startups without financial pressure.
Official Sources and Updates
All official updates, eligibility announcements, and application links for Asaan Karobar 2026 will be available on:
Always rely on these authentic sources for accurate and latest information. Avoid any social media or unofficial links claiming quick approvals.
Final Thoughts
The Asaan Karobar 2026 Loan Scheme and Maryam Nawaz Business Loan 2025 represent a major step toward building a self-reliant Pakistan. By making access to business loans simple, digital, and interest-free, the government is empowering entrepreneurs and small business owners to take control of their future.
Whether you need up to 3 crores for expansion or 10 lakh for daily operations, this program ensures that every deserving citizen has a fair chance to grow.
To apply or learn more, visit the official Punjab government or Bank of Punjab portal today and take your first step toward financial independence.
FAQs – Asaan Karobar 2026 Loan Scheme
1. How much loan can I get under Asaan Karobar Finance?
You can get up to PKR 30 million (3 crores) under the Asaan Karobar Finance facility, depending on your business type and eligibility.
2. What is the difference between Asaan Karobar Finance and Asan Card?
Asaan Karobar Finance offers large business loans, while the Asan Card provides revolving credit up to PKR 1 million (10 lakh) for short-term expenses.
3. Who can apply for the Asaan Karobar Loan?
Any Pakistani citizen living in Punjab aged between 21 and 45 years (up to 57 in some cases) with a business plan or existing business can apply.
4. How can I apply online for Asaan Karobar 2026?
You can apply online through the official PITB portal or Bank of Punjab website by submitting your CNIC, business details, and required documents.
5. Is the Asan Card completely interest-free?
Yes, the Asan Card under this scheme is interest-free (0% mark-up) and comes with a 12-month revolving limit and easy repayment options.
