The Punjab government, under the leadership of Chief Minister Maryam Nawaz Sharif, has introduced the Maryam Nawaz Business Loan Scheme 2025 to support entrepreneurs and small business owners. This initiative offers interest-free loans of up to Rs 30 million, enabling the business community to expand and develop their ventures without financial burden.
This scheme is divided into two major categories:
- Asaan Karobar Card Loan – Up to Rs 1 million
- Asaan Karobar Finance Scheme – Up to Rs 30 million
If you’re a business owner in Punjab looking for financial support, this article provides a detailed guide on eligibility criteria, loan amounts, repayment terms, and how to apply online.
Loan Categories & Amounts Under Maryam Nawaz Loan Scheme
The Punjab government has structured this scheme into two loan types based on business needs:
1. Asaan Karobar Card Loan
- Loan amount: Up to Rs 1 million
- Interest-free financial assistance
- Designed for small business owners and startups
2. Asaan Karobar Finance Scheme
- Loan amount: Up to Rs 30 million
- Offered in two tiers:
- Tier 1: Loans up to Rs 5 million
- Tier 2: Loans up to Rs 30 million
- Ideal for established businesses looking for expansion
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Eligibility Criteria for Maryam Nawaz Business Loan Scheme
To qualify for this interest-free loan, applicants must meet the following conditions:
✅ Must be a permanent resident of Punjab
✅ Must have a valid Pakistani CNIC
✅ Should be a registered tax filer (FBR)
✅ Business must be operating on owned or legally rented premises
✅ Must not have taken a previous business loan from another government or private institution
If you meet the above criteria, you can proceed with the online application.
Grace Period & Loan Repayment Details
The Punjab government has set flexible grace periods to facilitate business owners:
- Asaan Karobar Card Loan → 3 months grace period
- Asaan Karobar Finance Scheme → 6 months grace period
- Business Consolidation Loans → 3 months grace period
This means no repayments are required during the initial grace period, allowing businesses time to stabilize before repaying the loan.
Processing Fees for Loan Application
Applicants are required to pay a minimal processing fee for the loan application:
| Loan Type | Processing Fee |
|---|---|
| Asaan Karobar Card Loan | Rs 500 |
| Asaan Karobar Finance Scheme (Tier 1) | Rs 5,000 |
| Asaan Karobar Finance Scheme (Tier 2) | Rs 10,000 |
How to Apply Online for Maryam Nawaz Loan Scheme 2025?
Follow these simple steps to register and apply online:
Step 1: Visit the Official Portal
Go to:
✅ Asaan Karobar Card Loan – akc.punjab.gov.pk
✅ Asaan Karobar Finance Scheme – akf.punjab.gov.pk
Step 2: Create an Account
- Enter CNIC number, mobile number, email, name, and password
- Verify OTP (One-Time Password) sent to your mobile/email
Step 3: Log in to the Portal
- Use CNIC and password to log in
Step 4: Fill Out the Application Form
- Provide personal details (Name, Father’s Name, CNIC, Address)
- Enter business details (Business type, Employees, Monthly Income)
Step 5: Upload Required Documents
- CNIC copy
- Business registration proof
- Bank account statement
Step 6: Submit Your Application
- Double-check all details
- Click Submit
- Wait for verification and approval
Frequently Asked Questions (FAQs)
1. Who is eligible for the Maryam Nawaz Business Loan Scheme?
Any resident of Punjab with a registered business and valid CNIC can apply. The applicant must also be a tax filer and should not have taken a previous loan.
2. What are the available loan amounts?
- Asaan Karobar Card Loan – Up to Rs 1 million
- Asaan Karobar Finance Scheme – Up to Rs 30 million
3. Is the loan completely interest-free?
Yes! The Punjab government is providing 100% interest-free loans under this scheme.
4. How long does it take for loan approval?
The approval process depends on document verification. Typically, it takes a few weeks for confirmation.
5. Can I apply if I have an existing business loan?
No, applicants who have taken a business loan from any government or private institution are not eligible.
Conclusion
The Maryam Nawaz Business Loan Scheme 2025 is a golden opportunity for entrepreneurs and business owners in Punjab to expand their businesses without financial burden. With loan amounts up to Rs 30 million and zero interest, this scheme ensures businesses get the financial push they need.
If you meet the eligibility criteria, apply today and secure a brighter future for your business!