CM Punjab Asaan Karobar Finance Scheme 2025 – Interest-Free Business Loans
Empowering Entrepreneurs | Supporting SMEs | Growing Punjab
🌟 Introduction: A Game-Changer for Business Growth in Punjab
The CM Punjab Asaan Karobar Finance Scheme 2025, initiated under the leadership of Chief Minister Maryam Nawaz Sharif, is a groundbreaking economic uplift initiative. Aimed at providing interest-free loans to Small and Medium Enterprises (SMEs), this program encourages entrepreneurship, supports business expansion, and promotes innovation in Punjab.
With a vision of inclusive economic development, the scheme covers both new and existing businesses, including startups, logistics, and climate-friendly projects. This initiative is set to fuel job creation, boost exports, and drive sustainable growth in priority sectors.
💼 Key Objectives of the CM Punjab Business Finance Scheme
- Empower aspiring entrepreneurs through financial support
- Help small and medium businesses grow, scale, and modernize
- Create employment opportunities across Punjab
- Boost exports by strengthening industrial and commercial sectors
- Promote climate-smart and green businesses
🏢 Loan Purposes Under the Scheme
This finance scheme is flexible and caters to diverse business needs. Loans can be utilized for:
#1. Startup Funding for New Businesses
Eligible entrepreneurs can avail loans to set up new ventures, purchase inventory, and establish operations.
#2. Expansion & Modernization of Existing Enterprises
Business owners can expand their product lines, invest in modern equipment, or enhance infrastructure.
#3. Working Capital
Ensure smooth day-to-day operations with working capital financing.
#4. Leasing for Commercial Logistics
Acquire commercial vehicles or logistics equipment through the leasing option.
#5. RECP Technologies & Green Businesses
Encourages investment in climate-friendly, resource-efficient technologies.
✅ Eligibility Criteria – Who Can Apply?
To qualify for the CM Punjab Asaan Karobar Finance Scheme, the following conditions must be met:
✔️ Business Type
- Small Enterprises: Annual sales up to PKR 150 million
- Medium Enterprises: Annual sales between PKR 150M – PKR 800M
✔️ Personal Requirements
- Age Range: 25 to 55 years
- Active FBR tax filer
- Clean credit history
✔️ Location Criteria
- Business must be located in Punjab
- Valid CNIC and NTN
- Ownership or rental proof of the business premises
💰 Loan Structure & Tiers Explained
| Tier | Amount (PKR) | Security | Tenure | End-User Rate | Processing Fee |
|---|---|---|---|---|---|
| T1 | 1M – 5M | Personal Guarantee | 5 Years | 0% | PKR 5,000 |
| T2 | 6M – 30M | Secured | 5 Years | 0% | PKR 10,000 |
🕒 Grace Period – Giving You Time to Breathe
- Startups: Up to 6 months
- Existing Businesses: Up to 3 months
📊 Equity Contribution Requirements
| Category | Equity Required |
|---|---|
| T1 – General | 0% |
| Leased Commercial Vehicles | 25% |
| Other Loans (T1 & T2) | 20% |
| Women, Transgender & Differently-Abled Persons | 10% |
💵 Repayment Plan & Penalties
- Installments: Equal monthly payments
- Late Payment Charge: PKR 1 per 1,000 per day on overdue amount
💼 Additional Charges to Consider
| Purpose | Cost |
|---|---|
| New Business Setup | NIL |
| Existing Business (T2) | 3% per annum |
| Climate-Friendly Businesses (T2) | NIL |
| Insurance & Legal Fees | As per actuals |
☎️ Helpline for Support
Have questions or need assistance?
📞 Dial 1786 – the official CM Punjab Finance helpline.
🌐 How to Apply
All application forms, guidelines, and updates are available on the official website:
🔗 https://akf.punjab.gov.pk/cmpunjabfinance
📋 FAQs – CM Punjab Asaan Karobar Finance Scheme 2025
❓ Who is eligible to apply for this scheme?
Individuals aged 25–55 with registered small or medium businesses located in Punjab, having a valid CNIC, NTN, and clean tax history.
❓ What types of businesses are supported?
Both startups and existing SMEs including logistics and climate-friendly ventures.
❓ How much loan can I get?
You can receive between PKR 1 million to PKR 30 million depending on the tier and your business profile.
❓ Is there any interest on the loan?
No, the scheme offers 100% interest-free loans.
❓ What is the repayment period?
Up to 5 years, with equal monthly installments.
❓ Is there any grace period?
Yes, 6 months for startups and 3 months for existing businesses.
❓ What if I pay late?
Late fee is PKR 1 per 1000/day on the overdue amount.
❓ Can women or differently-abled individuals apply?
Absolutely. In fact, equity requirement is only 10% for these groups.
❓ Is this loan available in all districts of Punjab?
Yes, the scheme is Punjab-wide.
❓ How do I contact the helpline?
Simply call 1786 for all your queries related to this program.
