
Asaan Karobar Card Apply Online Through akc.punjab.gov.pk
The Punjab government has launched the CM Punjab Asaan Karobar Card, a pioneering initiative aimed at supporting small business owners and entrepreneurs. This program is designed to provide interest-free loans of up to PKR 1 million to help small and medium enterprises (SMEs) grow and thrive. By leveraging digital tools such as mobile apps and POS systems, the Asaan Karobar Card ensures transparency and convenience, making it easier than ever for entrepreneurs to manage and sustain their businesses. This initiative is a step forward in driving economic growth and empowering small businesses across Punjab. This article provides a step-by-step guide to help you register and log in for the Asaan Karobar Card program through its official portal, akc.punjab.gov.pk.
84 Billion Rupees Allocated for Aasaan Karobaar Scheme
Maryam Nawaz Sharif, under the leadership of the Punjab Chief Minister, has introduced the province’s largest business finance initiative, the Aasaan Karobaar Finance Scheme, alongside the Aasaan Karobaar Card Scheme. These programs aim to support young entrepreneurs, small business owners, and startups by providing interest-free loans. With a total budget of 84 billion rupees, including 48 billion rupees allocated for the Aasaan Karobaar Card, the initiative is a vital step towards fostering economic growth and creating job opportunities in Punjab. By offering financial assistance and promoting inclusivity, the schemes empower individuals to contribute to the province’s economic development.
Key Features | Details |
---|---|
Maximum Loan Limit | PKR 1 million |
Interest Rate | 0% |
Loan Tenure | 3 years |
Grace Period | 3 months |
Loan Type | Revolving credit facility |
Application Process | Online via akc.punjab.gov.pk |
How to Apply for the Asaan Karobar Card
Follow these simple steps to apply for the Asaan Karobar Card:
- Visit the official website: akc.punjab.gov.pk.
- Fill out the online application form with accurate personal and business details.
- Pay a non-refundable processing fee of PKR 500.
- Upload required documents, including your CNIC and proof of residence.
- Digital verification of your CNIC, business premises, and creditworthiness will be conducted by authorized agencies.
- Upon approval, your Asaan Karobar Card will be issued for use in business-related transactions.
For any queries or assistance, contact the helpline at 1786.
How to Register for the Asaan Karobar Card
Follow these straightforward steps to register for the Asaan Karobar Card:
Step 1: Access the Official Portal

Open your web browser and navigate to akc.punjab.gov.pk. Once on the homepage, click the “Register Now” option.
Step 2: Complete the Registration Form
- Provide Personal Details:
- Enter your full name as per your CNIC.
- Input your CNIC number.
- Specify your date of birth (as mentioned on your CNIC).
- Enter your father’s or husband’s name.
- Fill in the CNIC issuance and expiry dates.
- Add Contact Information:
- Provide a valid mobile number and select your mobile network.
- Ensure the mobile number is active for receiving confirmation and updates.
- Set Up a Password:
- Create a strong password for your account.
- Re-enter the password to confirm it, ensuring both entries match.
Step 3: Review and Submit
Carefully check all the information entered to ensure accuracy. Once verified, click the “Register” button. Upon successful registration, you will receive a confirmation message on your mobile phone.

How to Log In to Your Asaan Karobar Card Account
Once you’ve completed your registration, logging in to your account is quick and easy. Follow these steps:
Step 1: Visit the Login Page
Go to akc.punjab.gov.pk and click on the “Login” option.
Step 2: Provide Your Credentials
- Enter your CNIC number.
- Input the password you created during registration.
Step 3: Access Your Dashboard
Click the “Login” button to log in. You will be redirected to your dashboard, where you can explore all the available services under the Asaan Karobar Card program.
Tips for a Smooth Login Experience
- Ensure the information entered matches your registered details.
- Use a stable internet connection to avoid interruptions.
- Keep your password secure and do not share it with anyone.
About the Asaan Karobar Card Program
The CM Punjab Asaan Karobar Card is a game-changing initiative designed to provide much-needed financial support to small businesses in Punjab. With interest-free loans of up to PKR 1 million, this program allows entrepreneurs to overcome financial barriers and focus on business growth. The revolving credit facility and easy repayment options make it a practical solution for SMEs aiming to expand or stabilize their operations. The program is a testament to the Punjab government’s commitment to promoting entrepreneurship and boosting the economy.
Eligibility Criteria
To qualify for the Asaan Karobar Card, applicants must meet the following requirements:
- Must be a Pakistani national and a resident of Punjab.
- Be aged between 21 and 57 years.
- Possess a valid CNIC and a registered mobile number.
- Own or plan a business located in Punjab.
- Have a clean credit history with no overdue loans.
- Pass psychometric and credit assessments conducted by authorized agencies.
- Register the business with PRA/FBR within six months of receiving the card.
- Only one application is allowed per individual or business.
These criteria ensure that the scheme is accessible to genuine small business owners in need of financial assistance.

Loan Usage and Repayment Details
The Asaan Karobar Card offers flexibility in loan usage and repayment:
- First 50% of Loan: Accessible within the first six months after approval.
- Grace Period: Borrowers enjoy a three-month grace period before repayment begins.
- Monthly Installments: Repayment starts with a minimum payment of 5% of the outstanding loan balance per month.
- Second 50% of Loan: Released upon satisfactory usage and timely repayment of the first half.
- Equal Monthly Installments (EMIs): The remaining balance is repaid over 24 months after the first year.
Funds can be used for vendor payments, utility bills, government fees, and other business-related expenses. Personal or non-business-related transactions are strictly prohibited.
Charges and Fees
The Asaan Karobar Card comes with minimal charges to ensure affordability for entrepreneurs:
- Annual Card Fee: PKR 25,000 + FED, deducted from the approved loan limit.
- Additional Charges: Includes life assurance, card issuance, and delivery costs.
- Late Payment Penalty: Applied as per the bank’s policy for delayed installments.
These charges ensure the sustainability of the program while providing maximum benefits to small businesses.
How to Check Your Asaan Karobar Loan Application Status
If you have applied for the Asaan Karobar Loan, you can track your application status through multiple methods. The official tracking system allows both domestic and expatriate applicants to check updates easily. To get started, visit the official website and log in with your registered details. Your application status will show as “Approved” or “Under Review.”
Ways to Track Your Asaan Karobar Application
You can check your loan application status through the following methods:
- Online Portal: Log in to your account to see real-time updates. If additional documents are required, upload them under the “Uploads” section.
- SMS Service: Send “STATUS [Application ID]” to 8300 to receive a quick update via SMS.
- Helpline Support: Call 051-9053333 (toll-free within Pakistan) or +92-51-9053333 (for international queries) to speak with a representative. They can assist with status updates and eligibility verification.
- In-Person Inquiry: Visit any National Bank of Pakistan (NBP) branch with your CNIC to check your application status.
What to Do If Your Application is Delayed
If your status appears incorrect or your application is still pending:
- Double-check using at least two tracking methods.
- Upload missing documents through the portal under the “Uploads” section.
- Ensure all details match your NADRA records to prevent processing delays.
- Contact support with your reference number for further assistance.
By regularly checking your status, you can stay updated on your loan approval timeline and quickly resolve any issues to avoid unnecessary delays.
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Key Features of the Asaan Karobar Card
- Interest-Free Loans: Borrow up to PKR 1 million without any interest charges.
- Digital Transactions: Use funds for vendor payments, utility bills, government fees, and more through mobile apps and POS systems.
- Cash Withdrawal: Withdraw up to 25% of the loan amount for miscellaneous business needs.
- Grace Period: Enjoy a three-month grace period before repayment starts.
- Revolving Credit Facility: Access and reuse funds within the first 12 months, followed by installment repayments over the next 24 months.
Benefits of the Asaan Karobar Card
The Asaan Karobar Card offers numerous advantages to small business owners:
- Financial Support: Provides easy access to funds, enabling entrepreneurs to focus on business growth.
- Transparency: Ensures clear and accountable usage of funds through digital tools.
- Business Growth Opportunities: Offers financial relief for operational expenses and expansion needs.
- Inclusivity: Designed to support small businesses across various sectors in Punjab.
- Ease of Application: The fully digital process makes it convenient for applicants to apply and receive approval quickly.
Helpline for Asaan Karobar Card
For any assistance related to the Asaan Karobar Card, you can contact the official helpline.
- Helpline Number: Dial 1786 for queries and support.
- Available Services: Get help with registration, eligibility criteria, and application process.
- Working Hours: The helpline is available during standard office hours.
- Official Website: For detailed information, visit https://akc.punjab.gov.pk.
Conclusion
The CM Punjab Asaan Karobar Card is a transformative initiative by the Punjab government, aimed at supporting small entrepreneurs and driving economic growth in the province. By offering interest-free loans and an easy application process, this scheme empowers small businesses to overcome financial challenges and achieve their goals. Entrepreneurs looking to expand their businesses can leverage this opportunity to contribute to Punjab’s economic prosperity.
FAQs
Who can apply for the Asaan Karobar Card?
Entrepreneurs aged 21 to 57 years, residing in Punjab, with a valid CNIC, are eligible to apply.
What is the maximum loan limit?
The maximum loan limit is PKR 1 million.
Is the loan interest-free?
Yes, the loan is entirely interest-free.
How can I apply for the Asaan Karobar Card?
Applications can be submitted online through the official portal: akc.punjab.gov.pk.
When does repayment start?
Repayment begins three months after the card is issued, with flexible monthly installments.
What can the loan funds be used for?
Funds can be used for business-related expenses such as vendor payments, utility bills, government fees, and taxes.