The CM Punjab Asaan Karobar Finance 2025 is a government-backed initiative that offers interest-free business loans to help Small and Medium Enterprises (SMEs) grow and thrive across Punjab.
What is CM Punjab Asaan Karobar Finance?
This CM Punjab Asaan Karobar Finance provides Shariah-compliant, interest-free financing to:
- New businesses (Startups)
- Existing businesses (Expansion, working capital)
- Leasing for logistics
- RECP (climate-friendly) technologies
Loan Purpose – Who Can Benefit?
You can apply for the CM Punjab Asaan Karobar Finance if you want to:
- Start a new business
- Expand or modernize your existing business
- Invest in commercial vehicles or logistics
- Promote green or climate-friendly technologies
CM Punjab Asaan Karobar Finance Eligibility Criteria
To apply for CM Punjab Asaan Karobar Finance, you must meet the following conditions:
- Age between 25 and 55 years
- Resident of Punjab
- Business must be located in Punjab
- Must be an active FBR tax filer
- Clean credit history
- Valid CNIC and NTN
- Own or rent your place of business
Business Size:
- Small Enterprises: Annual sales up to PKR 150 million
- Medium Enterprises: Annual sales between PKR 150M – 800M
Loan Details – Tiers, Amount, and Conditions
| Tier | Loan Amount (PKR) | Security | Tenure | Markup Rate | Processing Fee |
|---|---|---|---|---|---|
| T1 | 1M – 5M | Personal Guarantee | 5 years | 0% | PKR 5,000 |
| T2 | 6M – 30M | Secured (Collateral) | 5 years | 0% | PKR 10,000 |
Grace Period for Repayment
- Startups/New businesses: Up to 6 months
- Existing businesses: Up to 3 months
Equity Contribution for CM Punjab Asaan Karobar Finance
- T1 (Non-leased): 0%
- Leased Commercial Vehicles: 25%
- Other Loans under T1 & T2: 20%
- Females, transgender & differently-abled: Just 10%
Repayment & Charges
- Monthly installments according to your approval terms
- Late Payment Fee: PKR 1 per 1000/day (on overdue amount)
Additional Costs
- Handling Fee:
- NIL for new business setup
- 3% per annum for existing businesses
- NIL for climate-friendly (RECP) businesses under Tier 2
- Other Charges:
- Insurance, legal, and registration fees as per actuals
Helpline & Contact for CM Punjab Asaan Karobar Finance
- Call 1786 for assistance
- Visit the official portal: akf.punjab.gov.pk/cmpunjabfinance
Frequently Asked Questions (FAQs)
1. What is CM Punjab Asaan Karobar Finance Scheme?
It’s a government scheme offering interest-free loans to SMEs in Punjab to promote business growth and job creation.
2. Who can apply for this loan?
Residents of Punjab aged 25-55 years, who are tax filers and have a clean credit history.
3. What is the loan amount available?
Loans range from PKR 1 million to PKR 30 million, depending on the business tier.
4. Is the loan interest-free?
Yes, the end-user rate is 0%, making it completely interest-free.
5. What is the processing fee?
Tier 1: PKR 5,000
Tier 2: PKR 10,000
6. Is any security or guarantee required?
Tier 1: Personal Guarantee
Tier 2: Collateral/Security required
7. Can females and differently-abled apply?
Yes, and they only need to contribute 10% equity, instead of the standard 20–25%.
8. What are the repayment terms?
Equal monthly installments over 5 years, with grace periods of 3–6 months.
9. Are there any late payment penalties?
Yes, PKR 1 per 1000/day is charged on overdue amounts.
10. What kind of businesses are eligible?
Both new startups and existing businesses, including logistics, green tech, and services.
11. Is there any handling or hidden fee?
No fee for new setups
3% p.a for existing businesses
No fee for RECP/eco-friendly ventures under Tier 2
Why Apply for Asaan Karobar Finance?
Interest-free financing
Business-friendly policies
Ideal for startups and SMEs
Support for women and inclusive groups
Transparent repayment and grace terms
CM Punjab Asaan Karobar Finance Final Thoughts
The CM Punjab Asaan Karobar Finance Scheme is a powerful initiative to empower SMEs with easy and interest-free access to capital. Whether you’re starting a new business or growing an existing one, this scheme provides the financial push you need—without the burden of markup.
Apply now and take your business to the next level!
Apply at: akf.punjab.gov.pk/cmpunjabfinance
For more Updates about Government Schemes visit our website: https://pakgovschemes.pk/