Last updated on August 8th, 2025 at 12:25 pm
The Asan Karobar Card is a special program started by Punjab Chief Minister Maryam Nawaz Sharif to help small business owners in Punjab. This amazing scheme gives interest-free loans up to 1 million PKR to support small entrepreneurs grow their businesses. If you are a small business owner in Punjab, this card can be a great opportunity for you.
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What is the Asan Karobar Card?
The Asan Karobar Card is a digital SME card that provides financial support to small businesses. This scheme will provide financial assistance to the entrepreneur in need. Punjab government has reserved Rs. 48 billion specially for this scheme, and this shows how serious the government is about helping small businesses
Features of Asan Karobar Card
- Maximum Loan Amount: Up to 1 million PKR
- Interest Rate: 0% (completely free)
- Loan Period: 3 years
- Loan Type: Revolving credit facility for 12 months
- Grace Period: 3 months before you start paying back
- Repayment: 24 equal monthly payments after the first year
How to Use Your Asan Karobar Card
You can use your card for:
- Paying vendors and suppliers
- Utility bills payment
- Government fees and taxes
- Digital transactions through mobile apps and POS machines
- Cash withdrawal (up to 25% of your limit) for business needs
Who Can Apply for Asan Karobar Card?
To get the Asan Karobar Card, you must meet these requirements:
- Age between 21 to 57 years
- Must be a Pakistani citizen
- Must live in Punjab
- Have a valid CNIC
- Mobile number registered in your name
- Have an existing business or are planning to start a business in Punjab
- Clean credit history with no overdue loans
- Good credit and psychometric assessment results
Important: Only one application is allowed per person or business.
Asan Karobar Login Process
For Asan Karobar login, follow these simple steps:
- Visit akc.punjab.gov.pk
- Click on the “Login” option
- Enter your CNIC number
- Enter your password
- Click the “Login” button
After successful login, you can check your application status and manage your account.
Asan Karobar Card Online Registration Process
Step 1: Go to the Official Website:
Open your browser and visit the official website of the Asan Karobar scheme at [akc.punjab.gov.pk].
Click on the Apply Now button that will appear on the right side of the screen.
Step 2: Fill Registration Form: Enter your personal details:
- Full name as written on CNIC
- CNIC number
- Date of birth
- Father’s or husband’s name
- CNIC issue and expiry dates
- Valid mobile number
- Create a strong password.
Step 3: Complete Application: After registration, log in with your details and fill in:
- Personal information
- Business details
- Loan information
- Upload the required documents
Step 4: Pay Processing Fee: Pay a non-refundable processing fee of PKR 500.
Step 5: Submit Application: Review all information and submit your application.
Loan Usage and Repayment Details
50% of the Loan: During the first 6 months, you can only access 50% of the loan amount for your business use.
Grace Period: 3 months from card issue date
Monthly Payment: Minimum 5% of the outstanding balance after the grace period.
Second 50% of the Loan: Released after good usage and regular payments, plus PRA/FBR registration
Charges and Fees
- Annual Card Fee: PKR 25,000 + FED (taken from your loan limit)
- Processing Fee: PKR 500 (non-refundable)
- Late Payment Charges: According to bank policy
- Life insurance and card delivery charges are covered by the scheme
Important Conditions
- Use funds only for business purposes
- Register with PRA/FBR as soon as possible—ideally within six months.
- Personal use of funds is strictly blocked
- Physical verification of the business will be done
How to Check Application Status
You can check your application status by:
- Logging into your account at akc.punjab.gov.pk
- Calling helpline number 1786
- Visiting any Bank of Punjab branch
Get Help and Support
If you need help with your Asan Karobar Card online registration or have questions:
- Helpline: 1786
- Website: https://akc.punjab.gov.pk
- Working Hours: Standard office hours
Conclusion
The Asan Karobar Card is a great initiative by the Punjab government for small business owners to get interest-free financial support. With an easy online registration process and helpful features, this scheme can help your business grow. If you meet the eligibility requirements, don’t miss this chance to apply for the Asan Karobar Card and take your business to the next level.
Remember to keep your phone on and check messages regularly after applying, as you will be contacted when your card is ready for collection from the Bank of Punjab or TCS.
Frequently Asked Questions :
How do I activate my Asan Karobar Card?
You can activate your card through:
- Bank of Punjab (BOP) ATM
- Calling the BOP helpline number
Is Asan Card application open?
Yes, the Applications are open. You can apply by visiting https://akc.punjab.gov.pk
What is the annual card fee?
The annual card fee is PKR 25,000 + FED, which is recovered from your approved loan limit.
What is the processing fee?
There is a non-refundable processing fee of PKR 500 that you need to pay during application.
How will I know when my card is ready?
You will be informed via SMS or phone call. After notification, you can collect your card from the Bank of Punjab or through TCS.
How can I check my application status? A: You can check your status by:
- Logging into akc.punjab.gov.pk
- Calling helpline 1786
- Visiting Bank of Punjab branch with your CNIC
