The Assan Karobar Card Scheme 2025 lunched by the Punjab Government offers a real solution for small business owners struggling with financing. Through this initiative, eligible applicants can receive interest-free business loans up to Rs. 10 lakh with no collateral required. The Assan Karobar Card Scheme is designed to empower entrepreneurs by providing easy digital access to funds.
This Scheme Offers flexible repayment plans starting after a 3-month grace period and priority support for youth-run businesses. With a simple online registration process and quick approval timeline. This program removes traditional barriers and helps turn business ideas into reality. Whether you are involved in agriculture, retail, IT, or services, the Assan Karobar Card Scheme gives you the financial boost needed to grow and sustain your business confidently.
Main Benefits Of Assan Karobar Card Scheme
Maryam Nawaz Assan Karobar Card Scheme is designed to help small business owners and young entrepreneurs in Punjab. It offers easy access to interest-free loans through a digital card.
- Interest-free business loans up to PKR 1 million
- Card-based digital spending for business use
- Flexible repayment after 3-month grace period
- 100% government-backed initiative
Who Can Apply for the Assan Karobar Card?
You must meet certain eligibility conditions before apply. These are simple but important. Eligibility Checklist is given below:
- Age between 21 and 57 years
- Pakistani citizen and resident of Punjab
- CNIC and mobile number must be in your name
- No unpaid loans or bad credit history
- You must own or plan a business in Punjab
- Must pass a psychometric and financial assessment
Each applicant can apply only once, either as an individual or for their business. Some applications may be rejected. Common reasons include:
- Bad credit or unpaid loans
- CNIC/mobile number mismatch
- Business located outside Punjab
- Duplicate applications
- Failed psychometric test
Always double-check your form before submitting.
Assan Karobar Card Scheme Online Registration 2025
The online registration for the Assan Karobar Card Scheme 2025 is simple and user-friendly. Applying for the Assan Karobar Card is fully online. Fellow these step to get started:
- Visit the official portal: akc.punjab.gov.pk
- Fill out the online registration form
- Upload required documents:
- CNIC copy
- Mobile number verification
- Utility bill or residence proof
- Business plan (if available)
- Complete the psychometric and credit check tests
- Submit your application
You will receive an SMS confirmation once your application is submitted.
Check Assan Karobar Scheme Stutas Online
After submitting your application in the Assan Karobar Card Scheme, checking the status has been made very easy. For this, you need a username and password which you select while submitting your application. If you have forgotten your password, then no problem. You can also create a new password using your work ID card. Follow these steps to check the results of your application:
- Visit the akc.punjab.gov.pk
- Log in to your account by clicking on the login button
- Provide your username and password in it and click on the login button
- After that, a portal will open in front of you
- In this, you will click on the check your status button
- You will get the complete results of your application
What Happens After You Apply?
After submitting your application, it undergoes a verification process that typically takes some working days. You will receive an SMS or email notifying you of your application status. Approved applicants will get further instructions on receiving their digital Assan Karobar Card.
- Initial application review: 7–14 working days
- You will receive an SMS or email with:
- Approved
- Pending
- Rejected
- Next steps (approval or need for corrections)
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What Kind of Help Will You Get After Approvel?
You receive a digital card loaded with an interest-free loan amount up to Rs. 10 lakh. The Assan Karobar Card Scheme allows easy payments for business expenses. Flexible monthly installments make it manageable for small business owners to grow sustainably. If you are approved:
- You receive a digital card linked to your approved loan amount
- Card can be used for:
- Paying suppliers and vendors
- Utility and government payments
- Digital POS purchases
- Limited cash withdrawal (up to 25%)
- You don’t pay any interest
- You start repayments after a 3-month grace period
- Repay in easy monthly installments over 24 months
Use of Assan karobar Card
The Punjab Assan Karobar Card must be used strictly for business-related expenses. Approved users can use the card for many essential business purposes:
- Paying wholesalers or suppliers
- Purchasing equipment or raw materials
- Government taxes and fees
- Utility bills for business
Card usage is restricted to verified business needs. Misuse can lead to disqualification.
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Documents Needed for Registration
Documents ensure smooth verification and eligibility confirmation, speeding up the approval process for your interest-free loan. Keep these documents ready:
- Valid CNIC
- Proof of Punjab residence (utility bill, rent agreement)
- Mobile number in your name
- Business description or proposal
- Bank account (if available)
What to Do If Your Application Is Rejected?
If your application is rejected, carefully review the rejection reason provided via SMS or email. Correct any errors in your documents or application details and wait 30 days before reapplying. For assistance, contact the official helpline at 1786 to improve your chances in the next submission.
Last Date To Apply Assan Karobar Card 2025
Assan Karobar Card Scheme has seen a strong response from aspiring entrepreneurs across Punjab. More than 50,000 individuals have successfully registered, showing widespread interest in this interest-free loan program. Out of these, over 12,000 digital cards have already been issued, enabling approved users to access funding and grow their small businesses.
🗓️ Last Date to Apply: Registration of applications has been stopped. Interested applicants must complete their registration for the second phase soon. . Early registration is recommended to avoid processing delays. The government plans to issue over 100,000 Assan Karobar Cards by the end of 2025, ensuring broad support for entrepreneurs across the province.
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Conclusion
The Assan Karobar Card Scheme 2025 is a golden opportunity for small business owners and aspiring entrepreneurs in Punjab. It provides financial support without any interest or heavy conditions. The digital card system is modern, easy, and secure.
The Assan Karobar Card Scheme 2025 is more than just a loan program. it is a practical step toward empowering small business community in Punjab. It removes financial barriers that often stop new businesses from growing.
FAQs
1. Is the loan 100% interest-free?
Yes, the full amount is interest-free if repaid on time.
2. Can I withdraw full cash?
No, only up to 25% cash can be withdrawn. The rest must be used digitally.
3. Can I apply if my business is not registered?
Yes, as long as you can describe and prove it operates in Punjab.
4. How will I know if I am approved?
You’ll get an SMS and/or email with instructions.
5. What is the minimum and maximum loan amount?
Minimum: PKR 100,000; Maximum: PKR 1,000,000
