Due to Pakistan’s struggling economy, the Punjab Government has launched the Maryam Nawaz Qarza Scheme (Asaan Karobar Finance Scheme) to boost businesses and strengthen the economy. This initiative provides interest-free loans of up to Rs. 30 Million to entrepreneurs, helping them establish startups and expand existing businesses.
In this guide, we’ll cover:
✅ Eligibility Criteria
✅ Loan Tiers & Benefits
✅ How to Apply Online
✅ FAQs & Helpline
📌 What is Maryam Nawaz Qarza Scheme 2025?
The Asaan Karobar Finance Scheme is a multi-billion-rupee initiative approved by the Punjab Cabinet on January 14, 2025. CM Maryam Nawaz Sharif announced:
- Interest-free loans (up to Rs. 30 Million)
- Free land for business setups
- 100,000 new startups targeted
- Support for SMEs & agriculture
🔹 Key Objectives:
✔ Boost economic growth & exports
✔ Empower small & medium entrepreneurs
✔ Provide startup funding
✔ Promote climate-friendly businesses
📌 Loan Categories & Benefits
The scheme is divided into two tiers:
🔹 Tier-1 (T1) – Unsecured Loan
| Feature | Details |
|---|---|
| Loan Amount | Rs. 1-5 Million |
| Security | Personal Guarantee |
| Tenure | Up to 5 Years |
| Interest Rate | 0% |
| Processing Fee | Rs. 5,000 |
🔹 Tier-2 (T2) – Secured Loan
| Feature | Details |
|---|---|
| Loan Amount | Rs. 6-30 Million |
| Security | Collateral Required |
| Tenure | Up to 5 Years |
| Interest Rate | 0% |
| Processing Fee | Rs. 10,000 |
💡 Additional Benefits:
- 6-month grace period for startups
- 3-month grace period for existing businesses
- 25% equity for leased vehicles
- 10% lower equity for women/transgender/differently-abled
📌 Eligibility Criteria for the Qarza Scheme
To qualify, applicants must:
✔ Be Punjab residents (age 25-55 years)
✔ Have a valid CNIC & NTN
✔ Be an active FBR tax filer
✔ Have a clean credit history
✔ Own or rent a business space
🔹 Business Categories:
- Small Enterprises (Sales up to Rs. 150M/year)
- Medium Enterprises (Sales Rs. 150M-800M/year)
📌 How to Apply Online for Asaan Karobar Finance? (Step-by-Step Guide)
Step 1️⃣: Visit Official Portal
- Click “Apply for Asaan Karobar Finance”
- Read instructions & acknowledge
Step 2️⃣: Profile Information
- Enter Name, CNIC, DOB, Gender, Contact, NTN
- Provide residential address
- Set a password & register
Step 3️⃣: Loan Details
- Select Tier (T1 or T2)
- Enter loan amount & tenure
- Mention credit history
Step 4️⃣: Business Details
- Provide business name, contacts, employees
Step 5️⃣: Financial Details
- Explain business purpose & nature
Step 6️⃣: References
- Add non-relative references
Step 7️⃣: Upload Documents
- Submit required CNIC, NTN, business proof
- Click “Submit”
🎉 Done! Track application status online.
📌 Future Plans: Phase II (2025-26)
- Rs. 100 Billion additional funding
- 24,000 more SMEs to benefit
- Total loan disbursement: Rs. 379 Billion
The Maryam Nawaz Qarza Scheme 2025 is a golden opportunity for entrepreneurs in Punjab. With interest-free loans, free land, and business support, it aims to revolutionize Pakistan’s economy.
🚀 Apply now & grow your business!
📞 Need help? Call: 1786
