We will inform you about all the information about the asan karobar Scheme issued by the Punjab Government on this website. The asan karobar Scheme will provide interest-free loans of up to Rs 1 million through a digital SMA card.
This scheme has been launched so that those who are residents of Punjab and are doing small businesses will be supported by the Punjab Government to maintain their businesses. This will be done through digital channels such as (such as mobile apps, POS etc.) and transparent use of funds will be ensured.
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Asan Karobar Scheme Key Features
We are informing you about some of the important features of the Asan Karobar Scheme. Know all the features,
- The maximum limit of Asan Karobar Scheme is PKR 1 million
- The loan tenure issued by this scheme is three years
- There will be a revolving credit facility for 12 months
- The repayment period of Asan Karobar is 24 equal monthly installments after the first year
- After getting the loan, you will have to repay the loan with installments after three months
How to use
- Vendor and supplier payments
- Utility bills, government fees and issued taxes
- Cash withdrawal is allowed up to 25% for various business purposes
- Can make digital transactions through POS and mobile apps.
- The interest rate of the borrower is zero percent.
Eligibility Criteria
Eligibility criteria for asan karobar Card issued by the Government of Punjab,
- All small business owners across Punjab such as (SEs)
- Age limit is approximately 21 to 57 years
- The borrower must be a citizen of Punjab
- A valid CNIC and mobile phone number registered in the name of the applicant
- The applicant must have a business in Punjab
- The applicant must have satisfactory credit and psychometric assessment
- Only one application can be made per individual and business
- You must not have taken a loan from any scheme
عمر کی حد تقریباً 21 سے 57 سال ہے، قرض لینے والا پنجاب کا شہری ہونا چاہیے، درخواست گزار کے نام پر رجسٹرڈ ایک درست CNIC اور موبائل فون نمبر ،درخواست گزار کا پنجاب میں کاروبار ہونا ضروری ہے، درخواست دہندہ کے پاس تسلی بخش کریڈٹ اور سائیکومیٹرک اسیسمنٹ ہونا ضروری ہے، فی فرد اور کاروبار صرف ایک درخواست دی جا سکتی ہے، آپ نے کسی اسکیم سے قرض نہیں لیا ہوگا،
How to Apply for Asan Karobar Scheme
If you want to apply for the Easy Business Scheme, then you are being told the procedure,
- You can submit your application for the Easy Business Scheme digitally through the PITB portal.
- Non-refundable processing fee of approximately PKR 500.
- Your CNIC will be digitally verified. Creditworthiness and business premises will be verified by authorized agencies.
Loan usage and Repayment Details
- The first installment limit is 50% which you can use within the first six months.
- The grace period will be for three months after the card is issued.
- After three months of availing the loan, you will start repaying the loan, which will be at least five percent of the outstanding loan amount (principal portion only)
- The second installment limit is up to 50% and will be registered as satisfactory utilization regular payment and.
- The funds are restricted to business related purposes and non-essential transactions such as personal use entertainment are prohibited.
- The remaining amount after the first year will be repaid in equal monthly installments (EMIs) over a period of two years.
Charges / Fees
- Annual fee of asan Karobar scheme will be charged from the approved limit of PKR 25,000 + FED due.
- Additional charges in Asan Business Card Scheme such as Life Insurance Card fee and delivery charges which are applicable under the scheme.
- Late payment charges may be levied as per the bank’s policy charges schedule in case of late payment of installments.
Security Details
- A digitally signed personal guarantee will be provided by the borrower.
- Life insurance has been included in the portfolio.
- The Urban Unit will physically verify the business premises within six months of loan approval and annually thereafter.
Key Conditions
- The funds released by the Business Scheme will be given only in case of business establishment.
- Registration with PRA/FBR is mandatory within six months of issuance of this card.
- Only one application is allowed per person
ہم آپ کو اس ویب سائٹ پر پنجاب حکومت کی طرف سے جاری کردہ آسا ن کاروبار سکیم کے بارے میں تمام معلومات سے آگاہ کریں گے۔ آسا ن کاروبار سکیم ڈیجیٹل ایس ایم اے کارڈ کے ذریعے 10 لاکھ روپے تک کے بلاسود قرضے فراہم کرے گی۔ یہ سکیم اس لیے شروع کی گئی ہے کہ وہ لوگ جو پنجاب کے رہائشی ہیں اور چھوٹے کاروبار کر رہے ہیں ان کے کاروبار کو برقرار رکھنے کے لیے حکومت پنجاب کی طرف سے تعاون کیا جائے گا۔
Additional support for applicants
You will be given all the information for startups and new businesses on our website.
Helpline
- 1786
For more information and details about this scheme, you can find information on our website.