Breaking: CM Maryam Nawaz Launches Asaan Karobar Finance Scheme 2026 – Get Interest-Free Business Loans Up to Rs. 30 Million

CM Maryam Nawaz Launches Asaan Karobar Finance Scheme

The Punjab government has launched one of the biggest youth empowerment programs in its history. Under the leadership of Maryam Nawaz Sharif, the Asaan Karobar Finance Scheme 2026 offers completely interest-free loans to small and medium businesses. With billions allocated for startups, women entrepreneurs, and SMEs, this initiative aims to remove financial barriers and help thousands start or expand their businesses across Punjab.

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What Is the Asaan Karobar Finance Scheme 2026?

The Asaan Karobar Finance Scheme 2026 is a digital-first funding initiative introduced by the Government of Punjab. It removes traditional banking hurdles and provides easy access to capital for entrepreneurs.

The scheme offers two main products:

• Asaan Karobar Finance:
  Loans from Rs. 1 million to Rs. 30 million for larger businesses.
• Asaan Karobar Card:
  Digital credit facility ranging from Rs. 500,000 to Rs. 1 million.

Applications are managed through the Punjab Information Technology Board to ensure transparency and speed.

Information in this article is based on the official website and top verified Google sources.

Key Highlights of the Scheme

This initiative stands out because it focuses on ease and accessibility.

• 100% Interest-Free Loans:
  No markup, no hidden charges.
• No Immediate Red Tape:
  No NOCs or licenses required at the time of application.
• Free Solar Support:
  Export zone industries can receive solar systems worth up to Rs. 500,000.
• Youth & Women Focus:
  Special quotas for women, transgender, and differently-abled persons.

The government aims to create 100,000 new startups under this program.

Eligibility Criteria for 2026

To ensure fair distribution, clear eligibility rules apply:

• Punjab Residency:
  Must hold a valid CNIC showing Punjab address.
• Age Requirement:
  Between 21 and 57 years old.
• Business Location:
  Business must operate within Punjab.
• Clean Credit History:
  No record of bank default in eCIB.
• Active Tax Filer:
  Must be registered with FBR.

Applicants must carefully review criteria before applying.

Step-by-Step Online Application Process

The application process is fully online and simple:

1. Visit the official portal at https://akc.punjab.gov.pk.
2. Register using your CNIC and mobile number.
3. Create your secure account password.
4. Fill in business and personal details.
5. Upload CNIC (front and back).
6. Upload income proof or business plan.
7. Upload latest utility bill.
8. Submit the form and receive Tracking ID.

Approved applicants will be called for biometric verification at the Bank of Punjab.

Repayment & Equity Structure

The scheme is designed to remain easy and flexible.

• Flexible Installments:
  Monthly repayments over extended tenure.
• 0% Equity (Tier-1 Loans):
  Except for leased vehicles.
• 10% Equity Support:
  For women, transgender, and differently-abled applicants.
• 25% Equity (General Male Tier-2):
  Applicable in certain financing categories.

This structure ensures fairness and inclusion.

Latest Updates & Impact 2026

The scheme has already processed thousands of applications as of early 2026.

• Digital Monitoring:
  Applicants can track status via dashboard.
• Talk to CM Portal Integration:
  Direct complaint option for delays.
• Fast-Track Processing:
  Reduced paperwork for quicker approval.
• Export Zone Incentives:
  Solar and land support for industrial growth.

Officials emphasize transparency and equal opportunity for all entrepreneurs.

Helpline & Contact Details

For official assistance:

• Official Portal: https://akc.punjab.gov.pk
• Punjab Government Portal: https://punjab.gov.pk
• Helpline Number: 1786
• Bank of Punjab Contact: Visit nearest branch

Always rely on official sources to avoid fraud or misinformation.

Why This Scheme Is a Game Changer

The Asaan Karobar Finance Scheme 2026 is not just a loan program. It is an economic empowerment project.

• Boosts SME Growth:
  Encourages small businesses to scale.
• Supports Youth Employment:
  Promotes entrepreneurship over job-seeking.
• Encourages Women Participation:
  Dedicated quotas for female entrepreneurs.
• Strengthens Punjab Economy:
  Increases exports and industrial output.

It reflects Punjab’s vision of business-friendly governance.

Conclusion

The Asaan Karobar Finance Scheme 2026 is a historic opportunity for aspiring entrepreneurs in Punjab. With interest-free loans up to Rs. 30 million, simplified digital registration, and special support for women and youth, the program removes financial barriers to business growth. If you meet the eligibility criteria, apply today through the official portal and turn your business idea into reality.

FAQs

Who can apply for the Asaan Karobar Finance Scheme 2026?

Permanent residents of Punjab aged 21–57 with a clean credit history can apply.

Is the loan really interest-free?

Yes, the scheme offers 100% interest-free financing with no hidden charges.

How much loan can I get?

You can receive between Rs. 500,000 and Rs. 30 million depending on category.

Where will biometric verification take place?

Approved applicants must complete biometric verification at the Bank of Punjab.