CM Punjab Maryam Nawaz Asaan Karobar Loan 2025 Punjab Chief Minister Maryam Nawaz takes another big step for the people of the province.Another program was launched to reduce unemployment and increase employment for people.With the help of this program, people can start their own new business.This program gives interest-free loans to help small and medium businesses in Punjab. It aims to grow the economy by supporting new businesses, creating jobs, and increasing exports. The focus is on important industries in the province.Registration for this program has begun.To apply, the candidate must be from Punjab.Details are given below.
Quick Information Table
| Program Details | Information |
| Objective | There are 4 Objectives of program New Businesses: Startup funding Existing Businesses: Expansion, modernization, or working capital Leasing: Commercial logistics RECP Technologies: Climate-friendly businesses |
| Loan Tiers | T1: PKR 1M – 5M (Personal Guarantee) T2: PKR 6M – 30M (Secured) |
| Tenure | Up to 5 years Easy Installments |
| Interest Rate | 0% (Interest-Free) سودسے پاک |
| Processing Fee | T1: PKR 1M – 5M fees is PKR 5,000 T2: PKR 6M – 30M fees is PKR 10,000 |
| Grace Period | Up to 6 months for start-ups/new businesses Up to 3 months for existing businesses |
| Repayment Terms | Equal monthly installments |
| Late Charges of Installment | PKR 1 per 1000/day on overdue amounts |
CM Punjab Maryam Nawaz Asaan Karobar Loan 2025 Online Registration
Purpose of Loan
This initiative provides startup funding for new businesses, helping entrepreneurs establish their ventures. For existing businesses, it supports expansion, modernization, and working capital needs. It also offers leasing options for commercial logistics, ensuring smooth business operations. Additionally, the program promotes climate-friendly businesses by supporting RECP (Resource Efficient and Cleaner Production) technologies.
Eligibility Criteria of Program
This program is for small and medium businesses in Punjab. Small businesses must have annual sales of up to PKR 150 million, while medium businesses should have sales between PKR 150 million and PKR 800 million. Applicants must be between 25 and 55 years old, be active tax filers with a clean credit history, and have a valid CNIC and NTN. They must also live in Punjab and either own or rent the place where their business operates.
Loan Amount Details
There are two loan tiers available under this program. Tier 1 (T1) offers loans ranging from PKR 1 million to 5 million, requiring only a personal guarantee. Tier 2 (T2) provides loans between PKR 6 million and 30 million, which must be secured. Both tiers have a repayment period of up to 5 years with a 0% interest rate. The processing fee is PKR 5,000 for T1 and PKR 10,000 for T2.
Grace Period of Loan
Grace period is up to 6 months for start-ups / new businesses and up to 3 months for existing businesses.
Equity Contribution Borrower
For Tier 1 (T1), no equity contribution is required except for leased commercial vehicles. For leased vehicles, the borrower must contribute 25% of the cost. For Tier 2 (T2), borrowers must contribute 20% for all other types of loans. However, for females, transgender individuals, and differently-abled persons, the required contribution is only 10%.
Repayment Details of Loan
The loan must be repaid in equal monthly installments based on the approved terms. If a payment is delayed, a late fee of PKR 1 per 1,000 per day will be charged on the overdue amount.
Additional Costs of Loan
There is no handling fee for setting up a new business. However, for existing businesses, a 3% per year handling fee applies. For climate-friendly businesses under Tier 2 (T2), there is no handling fee. Additionally, insurance, legal, and registration charges will be applied based on actual costs.
Registration Process
Registration are open for all punjab,if You are A citizen of Punjab Province want to handsome amount as a loan so dont wait for any thing apply today in this program.for online apply visi the Following Link https://akf.punjab.gov.pk/landing.
Required Documents
Candidate must have following to apply for this program
- Candidate must have A Mobile Number registered with your CNIC.
- Names, copies of CNIC, and mobile numbers of two references (not blood relatives).
- You are an Active Tax Filer.
- Provide details of business income and expenses as applicable.
- Copy of Rent Agreement/Transfer Letter/Registry for Business and Residence Addresses, as applicable.
- Ensure you meet the application criteria.
- You must have the Application Fee available.
- You must have the Detail of Security to be offered for T2 Loans, e.g., Property Transfer Letter/Registry/Fard/Government Securities etc.
Conclusion
The CM Punjab Maryam Nawaz Asaan Karobar Loan 2025 is an interest-free loan program aimed at reducing unemployment and promoting economic growth in Punjab. It provides financial support to new and existing businesses, helping entrepreneurs with startup funding, expansion, and modernization. The program offers two loan tiers, with amounts ranging from PKR 1 million to 30 million, a 0% interest rate, and a repayment period of up to 5 years. A grace period of up to 6 months is available for startups, while existing businesses get 3 months. Equity contribution requirements vary, with lower rates for females, transgender individuals, and differently-abled persons. The loan is repaid in equal monthly installments, with a small late fee for overdue payments. Additionally, handling, insurance, legal, and registration fees apply based on the type of business.
General FAQs
An interest-free loan program aimed at supporting small and medium businesses in Punjab Province. the Program will Operate by Govt of Punjab.
Applicants must be from Punjab, aged 25-55 years, with a valid CNIC, NTN, and active tax filing status Can Apply in this Loan Program
Candidate can Apply for Small and medium businesses, including new businesses, existing businesses, commercial logistics, and climate-friendly businesses.
Tier 1: PKR 1 million to 5 million
Tier 2: PKR 6 million to 30 million
(0%). The loan is interest-free
6 months for new businesses and 3 months for existing businesses.
The loan is repaid in equal monthly installments as per the approved terms.
Candidate can Apply through Visiting this link https://akf.punjab.gov.pk/landing
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