CM Asaan Karobar Card Scheme
The Punjab government has provided a great opportunity for the business community! Get interest-free loans now under the Punjab CM Asaan Karobar Card Scheme 2025 and grow your business. Whether you want to start a new business or expand an existing business, this scheme is the best opportunity for you.
This scheme has two unique categories, where in the first category you can take a loan of Rs 1 lakh to 5 lakh without any interest, while in the second category a loan of Rs 6 lakh to 30 lakh will be provided for which some security will be required. The most special thing is that the repayment will be in easy monthly installments within 5 years.
If you are a resident of Punjab and are running any kind of small or medium business, then this scheme is a golden opportunity to make your dreams a reality. Just keep a few basic documents ready and apply easily. This great offer from the Punjab government is for anyone who wants to build their business on a strong foundation.
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The application process is extremely easy! Simply fill out the online form, upload the required documents and complete the registration. After completing the application, you will be given a registration number and will continue to receive updates via SMS. Don’t miss the opportunity, submit your application today and take your business to new heights.
Loan Categories and Benefits
The scheme is divided into two tiers, providing different loan amounts based on business needs:
Tier 1:
- Loan amount: Rs 1 million to Rs 5 million
- No interest rate (0% markup)
- Personal guarantee required
- Repayment period: Up to 5 years
- Processing fee: Rs 5,000
Tier 2:
- Loan amount: Rs 6 million to Rs 30 million
- Collateral required (property, government securities, or other valid assets)
- No interest rate (0% markup)
- Repayment period: Up to 5 years
- Processing fee: Rs 10,000
Loan Repayment:
- Loans must be repaid in equal monthly installments.
- Late surcharges will be applicable on a daily basis (Rs 1 to Rs 1,000 per day).
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Who Can Apply?
The scheme is open to entrepreneurs, startups, and SME owners who meet the following criteria:
- Must be a resident of Punjab.
- Must have a valid business setup or business plan.
- Must provide business income and expense details.
- Must be an active tax filer.
Documents Required for Application
Before applying, ensure you have the following documents ready:
- Passport-sized photographs
- Scanned copy or clear image of CNIC (identity card)
- Registered mobile number (linked with CNIC)
- Names and contact details of two references (not blood relatives)
- Proof of active tax filer status
- Business income and expense details
- Rental agreement, property transfer letter, or registry copies for business and residential addresses
- Collateral details (if applying for Tier 2 loans)
Step-by-Step Application Process
Follow these steps to apply for the Punjab CM Assan Karobar Card Scheme 2025:
- Create an account on the official loan portal.
- Ensure your mobile number is registered in your name.
- Set aside at least 15 minutes to complete the application.
- Fill out the online form with all required details.
- Submit the application form.
- Upload any additional documents, if required.
- Pay the processing fee (Rs 5,000 for Tier 1 and Rs 10,000 for Tier 2). This fee is non-refundable.
After successful submission, a registration number will be provided on the screen and via SMS. Applicants will receive regular SMS updates regarding their application status and can also check it on the official website.
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Conclusion
The Punjab CM Asaan Karobar Card Scheme 2025 is a golden opportunity for entrepreneurs and SMEs to grow their businesses without financial burdens. With zero-interest loans and easy repayment terms, this initiative will significantly contribute to Punjab’s economic development. Eligible applicants are encouraged to apply as soon as possible to benefit from this interest-free financing.
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