In 2025, Punjab’s government, under Chief Minister Maryam Nawaz, launched three transformative loan schemes to empower SMEs, entrepreneurs, and low-income families. These initiatives aim to boost economic growth, create jobs, and improve living standards. Below, we explore the CM Punjab Asaan Karobar Finance, Asaan Karobar Card, and Apni Chhat Apna Ghar Program, detailing their features, eligibility, and application processes.
1. CM Punjab Asaan Karobar Finance
This interest-free loan scheme targets Small and Medium Enterprises (SMEs) in Punjab, focusing on entrepreneurship, job creation, and climate-friendly businesses.
Loan Purpose
- Startup funding for new businesses.
- Expansion, modernization, or working capital for existing businesses.
- Commercial logistics leasing.
- Climate-friendly RECP technologies.
Eligibility Criteria
- Business Size:
- Small enterprises: Annual sales ≤ PKR 150 million.
- Medium enterprises: Annual sales PKR 150M–800M.
- Age: 25–55 years.
- Active FBR tax filers with clean credit history.
- Business/residence in Punjab.
- Valid CNIC and NTN.
- Ownership/rental proof of business premises.
Loan Details
| Tier | Amount (PKR) | Security | Tenure | End-User Rate | Processing Fee |
|---|---|---|---|---|---|
| T1 | 1M–5M | Personal Guarantee | 5 years | 0% | PKR 5,000 |
| T2 | 6M–30M | Secured | 5 years | 0% | PKR 10,000 |
Additional Features
- Grace Period:
- Start-ups: 6 months.
- Existing businesses: 3 months.
- Equity Contribution:
- T1: 0% (except 25% for leased vehicles).
- T2: 20% (10% for females/transgender/differently-abled).
- Repayment: Equal monthly installments. Late charges: PKR 1/1000/day.
- Costs:
- Handling fee: 0% (new businesses), 3% p.a (existing), 0% (climate-friendly T2).
- Insurance/legal charges apply.
2. Asaan Karobar Card
A digital initiative offering interest-free loans up to PKR 1 million to SMEs via mobile apps and POS systems.
Steps to Apply
- Visit akc.punjab.gov.pk.
- Fill out the Form: Provide your CNIC, business, and personal details.
- Pay Fee: PKR 500 (non-refundable).
- Upload Documents: CNIC, residence proof.
- Verification: Digital checks for creditworthiness and business premises.
- Approval: A Card is issued for business transactions.
Key Features
- Transparent digital management.
- Mobile-friendly tracking.
- Quick disbursement post-verification.
3. Apni Chhat Apna Ghar Program
Aims to build 100,000 affordable houses in Punjab through three execution models:
Model 1: State Land Development (10,000 Units)
- Developers build on state land via equity-sharing.
- PHATA provides designs; developers fund infrastructure/housing.
- Land is transferred to developers in stages.
Model 2: Private Housing Schemes (20,000 Units)
- 20% of private schemes reserved for low-cost housing.
- Developers receive approvals under APHS Rules 2020.
- Buyers pay via down payment (PKR 1M subsidy) + 5-year installments.
Model 3: Interest-Free Loans (70,000 Units)
- Loan Terms:
- Amount: Up to PKR 1.5 million.
- Tenure: 7 years (monthly installments).
- Eligibility: Own urban plot (≤5 marlas) or rural plot (≤10 marlas).
- Apply via www.acag.punjab.gov.pk.
Expected Outcomes
- Improved living conditions.
- 500,000+ jobs created.
- Access to water, sanitation, and electricity.
Comparison Between CM Punjab Loan Schemes
| Scheme | Loan Amount | Interest Rate | Tenure | Key Benefit |
|---|---|---|---|---|
| Asaan Karobar Finance | PKR 1M–30M | 0% | 5 years | SME growth, climate support |
| Asaan Karobar Card | Up to PKR 1M | 0% | Flexible | Digital convenience |
| Apni Chhat Program | Up to PKR 1.5M | 0% | 7 years | Affordable housing for low-income |
Maryam Nawaz’s 2025 loan schemes reflect Punjab’s commitment to economic inclusivity. Whether you’re an entrepreneur seeking capital or a family needing affordable housing, these programs offer tailored solutions. Apply today through the official portals and unlock new opportunities!
