The Asaan Karobar Card is a groundbreaking initiative launched by the government of Pakistan to empower entrepreneurs and businesses by providing easy access to financial services. As we step into 2025, this card continues to gain prominence for its affordability and accessibility. In this article, we’ll explore the charges, fees, and all the essential details about the Asaan Karobar Card.
Table of Contents
What is Asaan Karobar Card?
The Asaan Karobar Card is part of the government’s efforts to promote entrepreneurship and ease of business in Pakistan. The card is designed to facilitate small and medium-sized business owners by offering them access to affordable loans, banking services, and various government incentives. The scheme is primarily aimed at providing easier financial management and operational flexibility for businesses in the country.
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Asaan Karobar Card Charges and Fees in 2025
In 2025, the Asaan Karobar Card continues to offer competitive and transparent charges and fees. Understanding the cost structure is vital for business owners planning to benefit from this initiative. Below is a breakdown of the charges and fees associated with the Asaan Karobar Card.
Application Fees
One of the significant advantages of the Asaan Karobar Card is its low application fee. The fee structure is designed to be affordable for all applicants, with the following details:
| Service | Charge/Fees |
| Application Fee | Rs. 200 (Non-refundable) |
| Issuance Fee | Rs. 500 |
| Renewal Fee (Annually) | Rs. 300 |
Loan Interest Rates and Processing Fees
The Asaan Karobar Card provides access to affordable loans for business expansion. However, business owners should be aware of the processing fees and interest rates associated with the loan.
| Loan Type | Interest Rate | Processing Fee |
| Short-Term Loans (Up to 6 months) | 5% per annum | Rs. 1,000 |
| Long-Term Loans (Up to 2 years) | 7% per annum | Rs. 2,500 |
The loan interest rate is competitive, aimed at assisting business owners who may not otherwise qualify for traditional bank loans. The processing fee is kept to a minimum to ensure that the Asaan Karobar Card is accessible for everyone.
Transaction Fees
Transactions made using the Asaan Karobar Card are relatively affordable compared to traditional banking methods. However, there are minor fees for various transactions.
| Transaction Type | Charge |
| Withdrawal Fee (ATM) | Rs. 30 per transaction |
| Online Transaction Fee | Rs. 15 per transaction |
| Fund Transfer Fee (Within Pakistan) | Rs. 25 per transfer |
While these fees may seem nominal, they are important to keep in mind when conducting regular transactions or withdrawing funds.
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Other Hidden Charges
While the Asaan Karobar Card is designed to be cost-effective, there are a few additional fees business owners should be aware of:
| Service | Charge |
| Card Replacement Fee | Rs. 200 |
| SMS Alert Fee (Monthly) | Rs. 50 |
| Late Payment Fee | Rs. 500 per month |
These charges are typically applied if a business owner fails to comply with the payment schedule or loses the card.
Benefits of the Asaan Karobar Card
The Asaan Karobar Card offers a host of benefits that help business owners simplify their financial operations. Some of the key advantages include:
- Access to Loans: Business owners can apply for both short-term and long-term loans to support their operations and growth.
- Low Charges and Fees: Compared to traditional banking systems, the charges are significantly lower.
- Convenience: With the card, business owners can access banking services, make transactions, and withdraw funds easily.
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Conclusion
In 2025, the Asaan Karobar Card remains a crucial tool for businesses in Pakistan, offering ease of access to essential financial services. The charges and fees associated with the card are designed to ensure that businesses can thrive without facing financial barriers. Whether you are a small or medium-sized business owner, the Asaan Karobar Card offers a comprehensive solution for all your business needs. Before applying for the card, ensure you have a full understanding of the fees involved and assess the benefits it can bring to your business. By doing so, you can make an informed decision that aligns with your entrepreneurial goals.
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FAQs
What is the Asaan Karobar Card?
The Asaan Karobar Card is a government initiative designed to help small and medium business owners in Pakistan access loans, banking services, and financial management tools at affordable rates.
How much does it cost to apply for the card?
The application fee for the Asaan Karobar Card is Rs. 200, and the issuance fee is Rs. 500. The annual renewal fee is Rs. 300.
What are the loan interest rates for businesses?
The interest rate for short-term loans (up to 6 months) is 5%, and for long-term loans (up to 2 years), it is 7%.
Are there any hidden charges with the card?
Yes, there are additional charges like Rs. 30 for ATM withdrawals, Rs. 15 for online transactions, and Rs. 50 per month for SMS alerts. Late payment and card replacement fees may also apply.
Can I use the card for transactions and loans?
Yes, you can use the Asaan Karobar Card for both banking transactions and applying for loans to grow your business.
What happens if I lose my card?
If you lose your Asaan Karobar Card, you can request a replacement for a fee of Rs. 200.
How can I apply for the Asaan Karobar Card?
You can apply for the Asaan Karobar Card through the designated government portals or local bank branches offering the service.
How can I check my loan balance or account details?
You can check your loan balance and account details using the card’s online portal, mobile app, or by visiting a bank branch.