CM Punjab Asaan Karobar Card 2025
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With a digital SME ( Asaan Karobar Card 2025 ) card, the program provides interest-free loans up to PKR 1 million. With the help of digital channels (such as mobile apps, point-of-sale systems, etc.) and transparent financial management, it helps Punjabi small business owners expand and maintain their enterprises.
Loan Details
| Tier | Amount (PKR) | Security | Tenure (up to) | End-User-Rate | Processing Fee (PKR) |
|---|---|---|---|---|---|
| T1 | 1M-5M | Personal Guarantee | 5 years | 0% | 5,000 |
| T2 | 6M-30M | Secured | 5 years | 0% | 10,000 |
| T3 | 31M-40M | Secured | 7 years | 0% | 15,000 |
Key Features
- Maximum Amount: PKR One million
- Loan Term: Three Years
- Loan Type: 12-month revolving credit facility
- 24 equal monthly installments after the first year are the repayment term.
- Grace Time frame: three months from the date of card issuance to start repaying
- Use: Payments to suppliers and vendors
- Taxes, government fees, and utility bills
- Cash withdrawal for various business needs (up to 25% of the maximum)
- Digital transactions using mobile apps and point-of-sale systems
- Interest Rate for End Users: 0%
Eligibility Criteria
- Every Punjabi small entrepreneur (SE)
- Age range: 21–57 years
- A citizen of Pakistan who lives in Punjab
- A valid CNIC and the applicant’s registered mobile number
- Current or potential enterprise situated in Punjab
- Psychometric testing and satisfactory credit
- Individuals and businesses may only submit one application.
- Clear credit history and no past-due debts
How to Apply?
- Digitally submitted applications through the PITB portal.
- 500 PKR is the non-refundable processing cost.
- Authorized agencies do digital CNIC, creditworthiness, and business location verification.
- You can apply in these days.
Loan Usage and Repayment Details
- The first half Limit: useful for the first six months
- Grace Time frame: three months following card issuance
- The borrower must begin making monthly payments after three months, with a minimum of 5% of the principal amount owed each month.
- Second 50% Limit: Released upon satisfactory use, the PRA/FBR Funds must be registered for business-related reasons and repaid on a regular basis. Transactions that are not necessary (such as entertainment or personal consumption) are prohibited.
- After the first year, the remaining amount is paid back over the course of two years in equal monthly installments (EMIs).
This program empowers Punjab’s small and medium businesses (SMEs) by providing interest-free loans. By concentrating on priority industries throughout the province, it seeks to promote exports, job development, and entrepreneurship in order to stimulate economic growth.
Digital Youth Hub (DYH)
PMYB&ALS (Prime Minister’s Youth Business and Agriculture Loan Scheme) promotes entrepreneurship among youth by providing business loans on simple terms and with less markup through 15 commercial, Islamic, and SME banks. All Pakistani residents, aged between 21 and 45 years with entrepreneurial potential, are eligible to apply for the loan. For IT/e-commerce-related businesses, the lower age limit is 18 years. Applications have to be submitted online only through our website. Loans provided under PMYB&ALS are segregated into 3 tiers.
Financial Calculators/Templates
This section is our collection of free financial calculators and templates that can help you with calculating and computing all sorts of financial functions that are required for your business. Our calculators can help you calculate and analyze your income statement, cash flow, balance sheet, and loan repayment schedule. Please download from the given links
Balance Sheet Cashflow Statement Income Statement Loan Repayment
SMEDA Services
The Small and Medium Enterprises Development Authority (SMEDA) has been tasked by PM’s Youth Programme Program with an advisory & supporting role to provide free guidelines to applicants.