Punjab Government has introduced the CM Punjab Asaan Karobar Card Scheme to support small entrepreneurs in the province. The program provides interest-free loans of up to PKR 1 million through a digital SME card, helping small businesses grow and sustain themselves. The scheme is fully digital, ensuring transparency and efficient use of funds through mobile apps, POS systems, and online channels.
What is CM Punjab Asaan Karobar?
The CM Punjab Asaan Karobar is a government-backed initiative that offers small entrepreneurs an interest-free credit facility to support their business activities. The funds can be used for vendor payments, utility bills, government fees, cash withdrawals (up to 25%), and other essential business expenses.
The scheme ensures digital monitoring and accountability, allowing entrepreneurs to manage their loans securely and efficiently.
Key Features of CM Punjab Asaan Karobar
| Feature | Details |
|---|---|
| Maximum Limit | PKR 1 million |
| Tenure of Loan | 03 Years |
| Loan Type | Revolving credit facility for 12 months |
| Repayment Term | 24 equal monthly installments after first year |
| Grace Period | 3 months from card issuance for repayment commencement |
| Usage | Vendor payments, utility bills, taxes, POS/mobile transactions, 25% cash withdrawal |
| Interest Rate | 0% |
| Application Fee | PKR 500 (Non-refundable) |
Eligibility Criteria for Asaan Karobar
To apply for the scheme, applicants must meet the following requirements:
- All Small Entrepreneurs (SEs) in Punjab
- Age: 21 to 57 years
- Nationality: Pakistani, residing in Punjab
- CNIC & Mobile Number: Must be registered in the applicant’s name
- Business: Existing or prospective business in Punjab
- Credit & Psychometric Assessment: Must be satisfactory
- Application Limit: Only one per individual/business
- Credit History: Must be clean with no overdue loans
How to Apply for CM Punjab Asaan Karobar?
Applications are submitted digitally via the PITB Portal. The process is simple and fast, ensuring maximum accessibility for all small entrepreneurs.
- Visit the official website: CM Punjab Asaan Karobar Portal
- Click on Apply Online and register your details.
- Submit your CNIC, business information, and mobile number.
- Pay the non-refundable processing fee of PKR 500.
- Digital verification of CNIC, creditworthiness, and business premises will be conducted by authorized agencies.
- Once approved, the digital SME card is issued for loan usage.
CM Punjab Kisan Card Apply Online
The Kisan Card is part of the Asaan Karobar initiative. It allows farmers and entrepreneurs to access financial support digitally.
Steps to apply online:
- Go to the official CM Punjab Kisan Card application page.
- Click 8070 Kisan Card Apply Online.
- Enter your CNIC, mobile number, and business/farm details.
- Upload supporting documents.
- Submit your application and note the reference number for future tracking.
CM Punjab Kisan Card Status Check
After applying, you can check the status of your application online.
Steps:
- Visit the Kisan Card Status Check page.
- Enter your CNIC and application number.
- Click Check Status.
- The page will display whether your application is Pending, Approved, or Rejected.
Tip: Keep your reference number safe for tracking purposes.
CM Punjab Kisan Card Download
Once your Kisan Card application is approved, you can download the card digitally.
- Login to the CM Punjab Finance Portal with your CNIC and password.
- Click on Download Kisan Card.
- The card will be available in PDF format for printing or saving on your mobile device.
Kisan Card Check Online
You can also check Kisan Card details online anytime using the portal:
| Feature | How to Access |
|---|---|
| Card Validity | Login to portal → My Kisan Card section |
| Loan Limit | Check digital balance online |
| Repayment Schedule | Portal shows EMIs and remaining balance |
| Usage History | View transactions through POS/mobile app |
Kisan Card Registration Punjab Pakistan Online Check
For entrepreneurs and farmers, registration and verification are mandatory. This ensures the proper use of funds and prevents misuse.
Steps for online registration and verification:
- Visit the official registration page: CM Punjab Asaan Karobar Registration
- Fill in CNIC, business/farm details, and mobile number.
- Submit documents and wait for digital verification.
- Once verified, your account is active, and you can use the Kisan Card for business expenses.
CM Punjab Asaan Karobar Card Login
To manage your Asaan Card online:
- Go to CM Punjab Finance Portal
- Click Login.
- Enter your CNIC and password.
- Access your loan balance, usage details, repayment schedule, and other services.
Assan Card Online Apply
For all small entrepreneurs in Punjab, the online application process is straightforward:
- Digital Application: Submit via portal.
- Verification: CNIC, credit, and business premises check.
- Processing Fee: PKR 500.
- Loan Disbursement: Up to PKR 1 million in two phases.
- Repayment: Equal monthly installments after the grace period.
Note: Funds are restricted to business purposes only. Non-business-related transactions are blocked to ensure proper utilization.
Loan Usage and Repayment Details
| Loan Feature | Details |
|---|---|
| First 50% Limit | Available in first 6 months |
| Grace Period | 3 months after card issuance |
| Monthly Installments | Minimum 5% of outstanding principal after grace period |
| Second 50% Limit | Released after satisfactory use and registration with PRA/FBR |
| Repayment Term | Remaining balance repaid over 24 months in EMIs |
| Charges | Annual card fee PKR 25,000 + FED, life assurance, card issuance/delivery |
| Security | Personal guarantee digitally signed, life assurance included |
| Verification | Physical verification by Urban Unit within 6 months, then annually |
Helpline and Support
For queries and assistance regarding CM Punjab Asaan Karobar, contact:
- Helpline: 1786
- Official Website: CM Punjab Finance Portal
You can also access feasibility studies for startups and new businesses through PSIC and BOP websites
Conclusion
The CM Punjab Asaan Karobar Scheme is a game-changer for small entrepreneurs and farmers in Punjab. With interest-free loans, fully digital Kisan Cards, and structured repayment plans, this program empowers small businesses to grow sustainably.
Whether you want to apply online, check your Kisan Card status, or download the card, the process is simple and transparent. Make sure to follow the eligibility criteria and digital registration steps to benefit from this program.
