The Asan Karobar Scheme 2026 is a flagship initiative by the Government of Punjab, aimed at supporting small and medium-sized enterprises (SMEs) with easy access to finance and business loans. The AKF scheme, under the supervision of CM Punjab, encourages entrepreneurship, creates jobs, and strengthens Punjab’s economy.
Entrepreneurs and business owners can apply online for the Asan Karobar Program, check their Asan Karobar Card status, and access financing through the official portal: akf.punjab.gov.pk/cmpunjabfinance.
Asan Karobar Scheme 2026 Apply Online, Login, Card Status & Loan Details
The Asan Karobar Scheme 2026 is a transformative initiative by CM Punjab, providing financial support, low-cost loans, and guidance to small and medium-sized enterprises. Interested entrepreneurs are encouraged to apply online for the Asan Karobar Program, check their Asan Karobar Card status, and utilize the Asan Karobar Loan Scheme to start or expand their businesses.
How to Apply For Asan Karobar Scheme 2026
Entrepreneurs can apply online for the Asan Karobar Scheme by following these simple steps:
- Visit the official portal: https://akf.punjab.gov.pk/cmpunjabfinance
- Click on Apply for Asaan Karobar Program or Asan Karobar Card login
- Fill in your personal and business information accurately
- Submit your application for verification and approval
Once approved, applicants will receive the Asan Karobar Card and can avail of loans under the Asan Karobar Loan Scheme.
Eligibility Criteria For Asan Karobar Finance Scheme
To qualify for the Asan Karobar Scheme 2026, applicants must meet the following criteria:
- Business Type:
- Small Enterprises: Annual sales up to PKR 150M
- Medium Enterprises: Annual sales PKR 150M – 800M
- Age: 25–55 years
- Tax Status: Active FBR tax filers with a clean credit history
- Location: Residence and business must be located in Punjab
- Identification: Valid CNIC and NTN
- Business Premises: Must own or have rented the existing business location
Loan Details Asan Karobar Loan Scheme
The Asan Karobar Finance offers loans in two tiers with flexible terms:
| Tier | Amount (PKR) | Security | Tenure (up to) | End-User Rate | Processing Fee (PKR) |
|---|---|---|---|---|---|
| T1 | 1M – 5M | Personal Guarantee | 5 years | 0% | 5,000 |
| T2 | 6M – 30M | Secured | 5 years | 0% | 10,000 |
Grace Period:
- Up to 6 months for start-ups / new businesses
- Up to 3 months for existing businesses
Equity Contribution:
- 0% for T1 (except leased commercial vehicles)
- Leased Vehicles: 25%
- Other Loans: 20% for all other cases under T1 & T2
- 10% for females, transgender, and differently-abled persons
Repayment Terms:
- Equal monthly installments based on approval terms
- Late Charges: PKR 1 per 1000/day on overdue amounts
Additional Costs:
- Handling fee:
- NIL for new business setups
- 3% p.a for existing businesses
- NIL p.a for climate-friendly businesses (T2 only)
- Insurance, legal, and registration charges as per actual costs
Check Asan Karobar Card Status & Login
Applicants can easily track their application and card status through the Asaan Karobar Card login portal:
- Visit the official website: https://akf.punjab.gov.pk/cmpunjabfinance
- Click Asaan Karobar Card Status Check
- Enter your CNIC or application number
- View the current status of your application and card
This feature ensures transparency and allows applicants to monitor their approval process in real time.
Benefits of Asan Karobar Scheme 2026
- Provides easy finance for start-ups and existing businesses
- Encourages entrepreneurship in Punjab
- Promotes women, transgender, and differently-abled entrepreneurs
- Offers 0% interest loans for various tiers
- Simplified online application and card management system
- Grace periods and flexible equity contributions for new businesses
Helpline & Official Support
For more information or assistance regarding the Asan Karobar Scheme 2026, applicants can contact:
- Helpline: 1786
- Official Portal: https://akf.punjab.gov.pk/cmpunjabfinance
This program ensures that entrepreneurship in Punjab is accessible, transparent, and inclusive for all eligible citizens.
