The Government of Punjab has started a new program called the Asan Karobar Card to help shopkeepers, small traders, vendors, and young business owners. This program is made to make business easier and give support to people who already have a business or want to start one. With this card, many people across Punjab will be able to grow their income and run their businesses more smoothly.
CM Punjab Asan Karobar Card gives many benefits like easy loans, training programs, health coverage, and special discounts. Anyone who is eligible can apply online at akc.punjab.gov.pk. This scheme is a big step to support new and small businesses and will also help improve the economy of Punjab.
What is the Asan Karobar Card?
The Asan Karobar Card is part of a big initiative by the Punjab Government to uplift small and medium businesses. Many shopkeepers, street vendors, and freelancers often face issues like lack of financial help, no training, and difficulty in running businesses smoothly. This card works as an official recognition and provides a doorway to multiple facilities offered by the government.
One of the most valuable things about this card is that it connects business owners directly with government support programs. Through the Asan Karobar Card, people can apply for easy loans, join skill-building sessions, get health insurance, and even enjoy subsidies on utilities. This makes it a smart solution for anyone who wants to grow their business without facing unnecessary hurdles.
Also Read: BISP 8171 Online Registration
Benefits of Asan Karobar Card
The Asan Karobar Card is not just an ID card, it’s a gateway to many government-backed opportunities. Some of the top benefits include:
- Business Loans & Financing: Easy and interest-free or low-interest loans will be provided to cardholders for business setup or expansion.
- Skill Development Programs: Free training and skill enhancement courses for traders, shopkeepers, and young entrepreneurs.
- Health & Insurance Coverage: Cardholders and their families will be able to enjoy health insurance and accidental coverage.
- Government Subsidies: Discounts and subsidies on utility bills, raw materials, and other business essentials.
- Legal & Business Facilitation: Simplified process for registration, taxation, and compliance through government one-window operations.
Who Can Apply for Asan Karobar Card?
The Asan Karobar Card is open to small business owners, traders, freelancers, and young entrepreneurs living in Punjab. Both men and women can apply if they meet the basic requirements.
| Residency | Must be a Pakistani national and a permanent resident of Punjab |
| Age Limit | Minimum 21 years and maximum 57 years at the time of application |
| CNIC Requirement | Valid CNIC is mandatory |
| Mobile Number | Must have a mobile number registered in the applicant’s own name |
| Business Type | Existing small business owners or individuals planning to start a business |
| Location of Business | Business must be located within Punjab |
| Credit History | Clean record with no overdue or defaulted loans |
| Assessment | Must pass credit and psychometric evaluation |
| Application Limit | Only one application allowed per person or per business |
Documents Required
To apply for the card, applicants need the following documents:
- Valid CNIC copy
- Passport size photograph
- Business details (name, type, address)
- Mobile number for verification
- Bank account details (if available)
How to Apply Online for CM Punjab Asan Karobar Card?
The Punjab Government has made the online registration process very easy through their official portal: akc.punjab.gov.pk.
Here’s a step-by-step guide:
- Visit the Official Website
Go to akc.punjab.gov.pk. - Register an Account
- Click on “Register Now.”
- Enter your CNIC number, mobile number, and email address.
- Create a username and password.
- Login to the Portal
- Use your registered username and password to log in.
- Fill Out the Application Form
- Enter your personal details (name, father’s name, CNIC, address).
- Provide business information (type of business, location, number of employees, etc.).
- Upload the required documents.
- Submit Application
- Double-check all details.
- Click Submit.
- Verification & Approval
- The government will verify your details.
- Once approved, you will be notified via SMS or email.
- Receive Your Card
- After successful verification, you will receive your Asan Karobar Card from the designated distribution centers or via courier service.
Offline Registration Option
The Punjab Government has made it easy for people who cannot apply online by offering an offline registration option. Special centers have been set up in different cities where applicants can visit and complete the process. This step helps shopkeepers and traders who may not be familiar with online systems.
To register offline, applicants need to bring their CNIC, business details, and a photo to the nearest facilitation center. The staff will guide them in filling out the form and completing verification. This ensures that even those without internet access can benefit from the Asan Karobar Card scheme.
Features of CM Punjab Asan Karobar Card
The Asan Karobar Card comes with simple and useful features that make business growth easier. It ensures financial support without extra burden.
- Maximum Loan Limit: Up to PKR 1 million available for small entrepreneurs.
- Tenure of Loan: Total duration of 3 years for repayment.
- Loan Type: Revolving credit line for 12 months.
- Repayment Term: 24 monthly installments after the first year.
- Grace Period: 3 months relaxation before starting repayments.
- Usage: Pay suppliers, bills, taxes, or withdraw cash up to 25%.
- End-User Interest Rate: 0% with no interest charges.
- Annual Card Fee: PKR 25,000 + FED deducted from the loan limit.
- Processing Fee: Only PKR 500 as a one-time fee.
- Security: Digital personal guarantee with life assurance.
- Monitoring: Business premises checked within 6 months and yearly.
Also Read: BISP 8171 Web Portal Relaunch
How the Card Can Be Used
The card is designed to support only business-related needs. With it, cardholders can pay suppliers, clear utility bills, handle government fees or taxes, and even make digital payments through POS machines or mobile apps.
For emergencies, cash withdrawal is also allowed, but only up to 25% of the approved limit. The government has ensured that the money is used for genuine business purposes only, so personal spending like shopping or entertainment is blocked.
Loan Cost and Charges
The biggest advantage of this card is that it comes with 0% interest rate, which means you only repay the amount you use. To keep the scheme running, some service charges apply, such as a PKR 500 processing fee and an annual card fee of PKR 25,000 plus FED, which is deducted from the loan limit.
The scheme also covers life assurance and card delivery charges, so you don’t have to worry about extra costs. In case of late payments, normal bank charges will apply, as per their schedule.
Frequently Asked Questions (FAQs)
Final Thoughts
The CM Punjab Asan Karobar Card is a great step to support small businesses and new entrepreneurs. It gives many benefits like easy loans, training, and health coverage to help people grow. Both men and women across Punjab can apply and improve their business future. This scheme will not only help individuals but also make the economy stronger.
