In an exciting move to support businesses and entrepreneurs in Punjab, Pakistan, the Punjab Government has launched the Maryam Nawaz Asaan Karobar Card Loan Scheme 2025. This initiative, which offers interest-free loans up to Rs. 30 million, is set to empower startups, encourage economic growth, and create more job opportunities.
The Asaan Karobar Finance Scheme, officially approved by the Punjab Cabinet on January 14, 2025, is an ambitious project designed to provide financial assistance to entrepreneurs and small businesses across the province. The scheme has been launched by CM Maryam Nawaz Sharif to stimulate economic growth, strengthen local businesses, and create much-needed job opportunities for Pakistanis.
The scheme’s goal is clear: to help businesses, particularly startups, to get off the ground and support small and medium enterprises (SMEs) to expand. With Rs. 30 million available for loans, the scheme is a golden opportunity for eligible applicants to boost their businesses with zero interest.
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Key Features of the Loan Scheme
The Asaan Karobar Finance Scheme offers several key benefits to the applicants, making it a unique and valuable opportunity for small businesses and entrepreneurs:
- Interest-free loans up to Rs. 30 million.
- Targeting 100,000 startups to help them grow and thrive.
- Special incentives for women, transgender individuals, and differently-abled entrepreneurs.
- Free land offered to those starting new businesses.
- Emphasis on environmentally sustainable business models to encourage climate-friendly practices.
These features are designed to make it easier for entrepreneurs to access funding and resources to get their businesses running, without the burden of interest or high financial risks.
Objectives of the Loan Scheme
The primary goals of the Maryam Nawaz Asaan Karobar Card Loan Scheme 2025 are:
- Economic Growth: The scheme is designed to help boost Pakistan’s economy by providing critical financial aid to entrepreneurs and businesses.
- Support for Entrepreneurs: It’s focused on helping new and existing entrepreneurs grow their businesses.
- Job Creation: By supporting startups and small businesses, the scheme aims to generate more job opportunities across Punjab.
- Promoting Sustainability: Encouraging businesses to adopt climate-friendly business practices is a key objective of this loan scheme.
Loan Categories & Benefits
The loan scheme is divided into two categories based on the loan amounts:
Tier-1 (T1) – Unsecured Loan
- Loan Amount: Rs. 1 million – Rs. 5 million.
- Security: Personal Guarantee.
- Tenure: Up to 5 years.
- Interest Rate: 0% (Interest-free).
- Processing Fee: Rs. 5,000.
Tier-2 (T2) – Secured Loan
- Loan Amount: Rs. 6 million – Rs. 30 million.
- Security: Collateral required.
- Tenure: Up to 5 years.
- Interest Rate: 0% (Interest-free).
- Processing Fee: Rs. 10,000.
Additional Benefits:
- 6-month grace period for startups to help them get settled.
- 3-month grace period for existing businesses before they start repaying.
- 25% lower equity requirement for leased vehicles.
- Special concessions like 10% lower equity for women, transgender people, and differently-abled applicants.
These categories are designed to make it easier for businesses at different stages to access funding, whether they are just starting or looking to expand.
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Eligibility Criteria for Applicants
To apply for the Maryam Nawaz Asaan Karobar Card Loan Scheme 2025, applicants must meet the following criteria:
- Be between 25 and 55 years of age.
- Must be a resident of Punjab.
- Have a valid CNIC and NTN number.
- Be a registered tax filer with the FBR (Federal Board of Revenue).
- No previous loan defaults.
- Must own or rent a business space.
Eligible Business Categories:
- Small Enterprises: Businesses with annual sales up to Rs. 150 million.
- Medium Enterprises: Businesses with annual sales between Rs. 150 million – 800 million.
These criteria are set to ensure that the scheme reaches the right people those who are committed to growing their businesses and contributing to Pakistan’s economy.
Step-by-Step Guide on How to Apply
The application process for the Maryam Nawaz Asaan Karobar Card Loan Scheme 2025 is simple and straightforward. Follow these easy steps to apply:
- Visit the Official Portal: Go to the Punjab Government’s official website.
- Create Your Profile: Enter your personal details (Name, CNIC, Date of Birth, Gender, Contact Details).
- Enter Loan Details: Choose whether you are applying for Tier-1 or Tier-2 and enter the loan amount and tenure.
- Provide Business Information: Fill in your business name, address, contact details, and number of employees.
- Submit Financial Details: Provide details about your business’s nature, expected revenue, and expenses.
- Add References: Provide two references (non-relatives, like business associates).
- Upload Required Documents: Upload copies of your CNIC, NTN certificate, and business ownership proof (lease agreement or property documents).
Once you submit your application, you will be able to track its status online.
How to Track Your Loan Application Status
After submitting your application, you can easily track its progress through the official portal. The processing time may vary, but applications are generally reviewed within a few weeks. If you need assistance, you can contact the help desk via WhatsApp at +923420852819.
Future Plans and Expansion for 2025-26
Looking ahead, the Punjab Government plans to expand the Maryam Nawaz Asaan Karobar Card Loan Scheme in the coming years. With Rs. 100 billion additional funding, the next phase of the scheme aims to provide loans to 24,000+ SMEs across Punjab. By 2025-26, a total loan disbursement of Rs. 379 billion is expected, helping even more businesses thrive.
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Frequently Asked Questions (FAQs)
1. Who can apply for the Maryam Nawaz Business Loan Scheme?
Anyone who is a resident of Punjab between the ages of 25-55 years, a tax filer, and owns or rents a business space can apply.
2. What is the maximum loan amount I can get?
You can apply for a loan of up to Rs. 30 million, depending on eligibility and the loan category.
3. Is there any interest on these loans?
No, the Maryam Nawaz Loan Scheme offers interest-free loans.
4. How long does the application process take?
The process typically takes a few weeks, but exact processing times may vary.
5. How can I check my loan application status?
You can track your loan status online through the official portal.
Conclusion
The Maryam Nawaz Asaan Karobar Card Loan Scheme 2025 is an incredible opportunity for business owners and entrepreneurs in Punjab. By offering interest-free loans, free land, and special incentives for marginalized groups, this initiative aims to support startups and small businesses while contributing to the overall economic growth of Pakistan. If you meet the eligibility requirements, don’t miss out apply today and take your business to the next level!
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FAQs
- What is the purpose of the Maryam Nawaz Asaan Karobar Card Loan Scheme 2025?
- The purpose of the scheme is to support businesses and entrepreneurs in Punjab by offering interest-free loans to help startups grow, create more job opportunities, and contribute to the economic growth of Pakistan.
- What are the two loan categories available under the scheme?
- The two loan categories are:
- Tier-1 (T1): Unsecured Loan with amounts ranging from Rs. 1 million to Rs. 5 million.
- Tier-2 (T2): Secured Loan with amounts ranging from Rs. 6 million to Rs. 30 million.
- The two loan categories are:
- What are the key features of the Maryam Nawaz Asaan Karobar Card Loan Scheme?
- Key features include:
- Interest-free loans up to Rs. 30 million.
- Special incentives for women, transgender individuals, and differently-abled entrepreneurs.
- Free land for those starting new businesses.
- Focus on environmentally sustainable business models.
- Key features include:
- What are the eligibility criteria to apply for the loan?
- Applicants must:
- Be between 25 and 55 years of age.
- Be a resident of Punjab.
- Be a registered tax filer with the FBR.
- Have no previous loan defaults.
- Own or rent a business space.
- Applicants must:
- What are some of the special benefits offered under the scheme for marginalized groups?
- There are special concessions such as a 10% lower equity requirement for women, transgender people, and differently-abled applicants.
- What is the future plan for the Maryam Nawaz Asaan Karobar Card Loan Scheme?
- The scheme is expected to expand in the 2025-26 phase, with Rs. 100 billion in additional funding, aiming to provide loans to 24,000+ SMEs and a total loan disbursement of Rs. 379 billion to help more businesses thrive.