CM Punjab Asaan Karobar Card registration ongoing 2025 with fresh Rs 100 billion Phase II budget. Get up to 1 million interest-free loan, 3-month grace period, and start or expand your business today – no collateral needed!
1. Is Asaan Karobar Card Registration Still Open in 2025?
Yes — 100% open and running smoothly.
The Chief Minister Punjab Asaan Karobar Card and the larger Asaan Karobar Finance Scheme are both active throughout 2025–26 under Phase II. The Punjab government has allocated another Rs 100 billion to support more than 24,000 small and medium businesses this financial year. Over 107,800 cards have already been issued, and thousands more are in the pipeline. If you’ve been waiting for the right time, this is it.
2. Latest 2025–26 Updates (Phase II, Budget, Disbursement Stats)
| Detail | Numbers (Updated 2025–26) |
| Total Phase II Budget | Rs 100 billion |
| Target Beneficiaries | 24,000+ SMEs |
| Cards Issued So Far | 107,800+ |
| Amount Disbursed | More than Rs 44 billion |
| Maximum Loan (Card) | Rs 1 million (interest-free) |
| Maximum Loan (Finance Scheme) | Rs 30 million |
The government has removed earlier bottlenecks, simplified the psychometric test, and made processing fees very affordable (sometimes even waived for certain categories).
3. Asaan Karobar Card vs Asaan Karobar Finance Scheme – Which One Should You Apply For?
| Feature | Asaan Karobar Card | Asaan Karobar Finance Scheme |
| Loan Size | Rs 0.1 – 1 million | Rs 1 – 30 million |
| Best For | Micro & small startups | Growing & medium businesses |
| Repayment Period | 3 years | Up to 5 years |
| Grace Period | 3 months | 3–6 months |
| Collateral | None | None |
| Application Portal | Same (akc.punjab.gov.pk) | Same portal – different tier |
Quick rule: If you need up to Rs 1 million and want the fastest approval, go for the Card. If your business plan is bigger, choose the Finance Scheme.
4. Full Eligibility Criteria 2025 (With Priority Groups)
You qualify if you tick all these boxes:
- Age between 21 and 57 years
- Valid CNIC showing Punjab domicile
- Clean credit history (no defaults on Easypaisa, JazzCash, bank loans, etc.)
- Active mobile number registered in your name
- Existing or planned business located in Punjab
- Willing to register with PRA/FBR within 6 months of getting the card
Priority is given to:
- Women entrepreneurs
- Youth (21–35)
- Flood-affected areas
- Rural and less-developed districts
5. Documents Required in 2025 + Common Rejection Reasons
| Must-Have Documents | Tips to Avoid Rejection |
| CNIC (front & back) | Must be valid, not expired |
| Recent passport-size photo | Clear, white background |
| Business proof (utility bill, rent agreement, etc.) | Even a shop signboard photo works for new startups |
| Bank account IBAN (Bank of Punjab preferred) | Must be in applicant’s own name |
| Personal guarantee form (download from portal) | Get it attested by a gazetted officer if required |
Top rejection reasons people face: expired CNIC, default on micro-finance apps, incomplete guarantee form, or mismatched mobile number.
6. Step-by-Step Online Registration Process 2025
- Go to → https://akc.punjab.gov.pk
- Click “Register Now” and enter your CNIC + mobile number
- Create password and log in
- Fill personal + business details
- Upload required documents
- Pay processing fee (Rs 500–2,000 depending on tier; sometimes waived)
- Complete the short psychometric test (10–15 minutes)
- Submit personal guarantee form at nearest Bank of Punjab branch
- Receive SMS with registration number
- Wait 15–30 days for approval
- Card delivered via TCS to your address
Pro tip: Do everything from the same mobile number you registered with — this prevents 90% of verification failures.
7. Processing Fee 2025 – Was It Really Waived?
In many phases the government has waived or heavily subsidized the fee, especially for women and first-time applicants. Even when charged, it is only Rs 500–2,000 — non-refundable but very small compared to the loan size.
8. How to Check Application Status & Track Card Delivery
Method 1 → Log in to akc.punjab.gov.pk with CNIC & password
Method 2 → Send CNIC number to 1786 (free SMS service)
Method 3 → Call helpline 1786 (24/7)
Method 4 → Track TCS consignment number sent via SMS when card is dispatched
9. Card Activation Process at Bank of Punjab ATM (2025 Method)
Very few websites tell you this part:
- Take your physical card + original CNIC
- Visit any BoP ATM
- Insert card → select “Other Services” → “Card Activation”
- Enter the 4-digit PIN sent via SMS
- Done — your card is now active for POS, online payments, and 25% cash withdrawal
10. Grace Period, Repayment Rules & Late Payment Penalty
- 3-month grace period (no payment required)
- After that, minimum 5% of used amount every month
- Full tenure: 3 years
- Late payment penalty: Rs 1 per thousand per day (so stay regular!)
11. Allowed vs Blocked Transactions – Avoid Getting Your Card Frozen
| Allowed | Blocked / Will Freeze Card |
| Payments to registered vendors | Cash withdrawal above 25% |
| Utility bills, inventory purchase | Personal shopping, gold, property |
| Online business payments | Transfer to personal accounts |
| Fuel for business vehicle | ATM withdrawals beyond limit |
12. How to Get Second Limit / Top-Up After First Year
After 12 months of good repayment:
- Log in to portal → “Request Limit Enhancement”
- Upload updated business progress report
- New limit (up to original amount again) released within 15 days
13. What to Do If Your Application Is Rejected (Resubmission Guide 2025)
You have 7 working days to fix and resubmit:
- Log in → see exact rejection reason
- Correct the issue (e.g., upload new document)
- Pay small resubmission fee if required
- Application goes back into queue — usually approved second time
14. Success Stories & Real Beneficiaries (2025)
- Ayesha from Faisalabad turned her home-based clothing brand into a factory with Rs 800,000 card
- Bilal in Multan opened a motorcycle repair workshop and now employs 5 people
- Sialkot sports goods manufacturer scaled export orders using the Rs 12 million Finance Scheme
(Real stories shared by CM’s official handles and beneficiaries on social media.)
15. Combining Asaan Karobar with Other CM Punjab Schemes
| Scheme | How to Stack with Asaan Karobar |
| CM Internship Program 2025 | Get Rs 25,000 monthly stipend + loan |
| CM E-Bike Scheme | Buy delivery bike on easy instalments |
| CM Kisan Card | Agriculture + trading business combo |
| Green Tractor Scheme | Expand transport side-business |
Many entrepreneurs are using 2–3 schemes together legally.
16. Frequently Asked Questions
Q: Is Asaan Karobar Card registration ongoing in 2025?
A: Yes, fully open under Phase II.
Q: Can I apply if I have no business yet?
A: Yes — just show a solid business idea and feasibility.
Q: Is the loan really interest-free?
A: 100% markup-free for the entire tenure.
Q: What is the helpline number?
A: 1786 (free, 24/7, Urdu & English support).
Related Topics
Final Step – Apply Today
Direct link → https://akc.punjab.gov.pk
Helpline → 1786
Official WhatsApp updates → Search “Asaan Karobar Punjab” on WhatsApp channels
Don’t wait for the next budget speech. Thousands of Punjabis are already growing their businesses with this interest-free facility. If you meet the simple eligibility, your application has a very high chance of approval.
