Act Now! Asaan Karobar Finance Scheme 2025 – Apply Online Today & Last Date
In 2025, the Punjab Government launched the Asaan Karobar Finance Scheme 2025 to help small and medium businesses grow. This scheme gives interest-free loans up to Rs. 30 lakh to people who want to start or expand their business. You don’t need to pay any interest, and the process is easy to follow.
If you run a shop, a small factory, or want to start a new business, this scheme can help you. It is part of the government’s plan to reduce poverty and increase employment in Punjab.
Quick Info Table
| Detail | Information |
| Scheme Name | Asaan Karobar Finance Scheme 2025 |
| Loan Amount | Rs. 1 lakh to Rs. 30 lakh |
| Interest Rate | 0% (No interest) |
| Apply Method | Online at akf.punjab.gov.pk |
| Age Limit | 25 to 55 years |
| Last Date to Apply | Expected: 30 October 2025 |
| Processing Fee | Rs. 5,000 to Rs. 10,000 |
| Repayment Time | Up to 5 years |
| Who Can Apply | Punjab residents with tax record |
What Is Asaan Karobar Finance Scheme 2025?
The Asaan Karobar Finance Scheme 2025 is a loan program for people in Punjab who want to start or grow their business. The loan is interest-free, which means you only return the amount you borrow—no extra charges.
The loan is given through a digital SME card, and you can use it for:
- Buying new machines or tools
- Expanding your shop or business
- Improving delivery or transport
- Starting a new business
- Making your business eco-friendly
This scheme is supported by the Punjab Small Industries Corporation (PSIC) and is part of Chief Minister Maryam Nawaz’s plan to support local businesses.
Loan Types and Benefits
Tier 1 – Small Business
- Loan: Rs. 1 lakh to Rs. 5 lakh
- Processing Fee: Rs. 5,000
- Repayment Time: Up to 5 years
- Best for: Tailors, shopkeepers, small traders
Tier 2 – Medium Business
- Loan: Rs. 6 lakh to Rs. 30 lakh
- Processing Fee: Rs. 10,000
- Repayment Time: Up to 5 years
- Best for: Factories, exporters, service providers
Main Benefits:
- No interest charges
- Easy monthly payments
- Online tracking through SMS
- Boosts local economy and jobs
- Helps youth and women entrepreneurs
How to Apply Online – Step-by-Step Guide
You can apply online in just a few steps:
- Go to akf.punjab.gov.pk
- Click on “Apply Now”
- Fill the form with your name, CNIC, and business details
- Upload your documents
- Pay the processing fee online
- Submit the form and wait for SMS updates
You will get a registration number to track your application. Make sure all details are correct to avoid delays.
Documents You Need
Before applying, keep these documents ready:
- CNIC copy
- Passport-size photo
- Tax filer proof (FBR certificate or NTN)
- Business income and expense details
- Rent agreement or property papers
- CNIC copies of two references
- Active mobile number
If you are not a tax filer, you must register with FBR first. Only tax filers can apply.
Who Can Apply for Asaan Karobar Finance Scheme 2025?
You can apply if:
- You live in Punjab
- You are between 25 and 55 years old
- You are a registered tax filer
- You have a clean credit history
- You have a small or medium business idea
Women, youth, and people from backward areas are encouraged to apply. The scheme is open to all sectors—retail, services, manufacturing, agriculture, and transport.
Real-Life Example
Ahmed from Faisalabad runs a small printing shop. He applied for Rs. 3 lakh under Tier 1. He bought a new printer and hired one worker. His income increased, and now he prints for schools and offices. He said, “This loan changed my life. I didn’t have to pay interest, and I got everything I needed.”
Last Date to Apply
The expected last date to apply for Asaan Karobar Finance Scheme 2025 is 30 October 2025. But it’s better to apply early because many people are applying and funds are limited. Once the quota is filled, new applications may not be accepted.
How Will You Get the Loan?
After approval, you will receive a digital SME card. This card will be linked to your bank account. You can use it to withdraw money or make business payments. You will also get SMS alerts for every transaction.
Repayment will start after a few months. You can pay monthly through bank or mobile wallet. If you return the loan on time, you may qualify for more support in future schemes.
❓ FAQs – Asaan Karobar Finance Scheme 2025
Conclusion:
The Asaan Karobar Finance Scheme 2025 is a big opportunity for people in Punjab. If you want to start or grow your business, this loan can help you without any interest. The process is simple, and everything is online. You just need to be a tax filer and have a good business plan.
Don’t wait too long. Apply today and take the first step toward a better future. This scheme is not just about money—it’s about giving people a chance to succeed.
Also Read: Financial Help for Deserving People – Rs. 30,000 Support from Bait-ul-Maal Punjab 2025
