The Government of Punjab, under the leadership of Chief Minister Maryam Nawaz, has launched the Punjab Rozgar Scheme 2025, popularly known as the “Aasaan Karobar Scheme” (Easy Loan Scheme). This initiative aims to empower the people of Punjab by providing interest-free loans of up to PKR 1 million (10 lakh) to support small businesses and startups.
Whether you’re an aspiring entrepreneur or already running a business, this scheme offers a golden opportunity to access hassle-free financing with easy 3-year repayment terms and no interest.
🔍 Overview of the Asaan Karobar Scheme 2025
Loan Amount: PKR 100,000 to 1,000,000 (1 lakh to 10 lakh)
Type: Interest-Free (Bila Sood)
Eligibility: Open to both new and existing businesses
Repayment Duration: Up to 3 years
Collateral: No collateral required – only personal guarantee
✅ Eligibility Criteria
To apply for the scheme, you must:
- Be a resident of Punjab
- Be between 21 and 57 years old
- Have a valid CNIC (Computerized National Identity Card)
- Own a SIM card registered in your name
- Be an Active Taxpayer (Filer) – check your status on FBR’s Active Taxpayer List
Application Fee: PKR 500 (to be paid after submission)
🌐 How to Apply Online – Step-by-Step Guide
Applications are submitted online via the official website:
🔗 https://akc.punjab.gov.pk
Step 1: Visit the Website
- Go to akc.punjab.gov.pk
- Click on “Apply for Aasaan Karobar Card”
- Read the instructions carefully and proceed to create an account
Step 2: Create Your Account
Fill out the registration form:
- Full Name (as per CNIC)
- Father’s or Husband’s Name
- CNIC Number
- CNIC Issue and Expiry Dates
- Date of Birth
- Registered Mobile Number and Network
- Create and Confirm Password
- Click on “Register”
You’ll receive a confirmation message once your account is created.
Step 3: Fill in Personal Details
Log in to your account and enter:
- Gender
- Full Residential Address
- Division, District, Tehsil, and City
- Residence Status (Rented, Owned, Family-Owned)
- Household Size (Number of Dependents)
- Education Level
- Employment Status and Work Experience
- Mobile Number
Click “Save and Next” after completing each section.
Step 4: Fill in Business Details
If you already have a business or are starting a new one, you’ll need to enter:
- Business Type (Proprietorship, Partnership, etc.)
- Nature of Business (Trading, Services, Agriculture, etc.)
- Business Start Date (you can select a future date)
- Business Name
- Contact Person and Phone Number
- Business Address (Division, District, Tehsil, City)
- Ownership Status (Rented, Owned)
- Monthly Sales, Rent, Utilities, Misc. Expenses
- Number of Employees
- Brief Description of Business
Click “Save and Next” once done.
Step 5: Enter Loan Details
- Select the loan amount (1 to 10 lakh)
- Confirm loan purpose (Pre-filled as “New Financing Facility”)
- Upload the following documents:
- CNIC (front and back)
- Bank Statement (1–2 years)
Ensure documents are under 200 KB and in JPG or PDF format.
Click “Submit”
Step 6: Psychometric Assessment
After submission, you will be prompted to take a psychometric test, which evaluates your business understanding and suitability. This test is mandatory.
- Complete the test within the time limit
- Wait 3–4 days for the system to process your application
Step 7: Final Submission
After passing the assessment:
- Re-login to the portal
- Re-upload your documents if asked
- Accept Terms & Conditions and Personal Guarantee Form (available in both Urdu and English)
- Click “Acknowledge and Proceed”
- Enter the OTP (One-Time Password) sent to your registered mobile number
- Click “Verify OTP”
Step 8: Make the Application Fee Payment
Once your application is successfully submitted:
- A PSID (Payment Slip ID) will be generated
- Pay PKR 500 through:
- EasyPaisa
- JazzCash
- Online banking apps
- ATM or bank branch
📌 Important Notes
- You don’t need a registered company to apply; individuals can apply using just their CNIC and personal information.
- The loan is based on personal guarantee, not physical collateral.
- If you’re not a tax filer, consider registering with FBR first.
- Make sure your mobile number is registered under your CNIC.
📝 Final Words
The Maryam Nawaz Loan Scheme 2025 is a visionary step toward creating an inclusive economic environment in Punjab. It’s tailored to support youth, women, and small business owners who have the potential but lack access to capital. With no interest, minimal documentation, and transparent digital processes, it’s one of the most accessible loan programs in the country.
If you’re planning to start a business or need funds to grow your existing one, this is the opportunity to grab in 2025.
