By Fahad Bin Aziz 
Starting a business in Punjab without financial support is one of the biggest hurdles faced by youth, especially those from low-income areas. Rent, stock, and basic setup costs are enough to stop someone from even trying. The CM Punjab Asaan Karobar Card is launched to solve this exact issue by giving easy, interest-free loans to those who actually want to start work but don’t have the means.
This post explains everything clearly what is Asaan Karobar Card, who is eligible, what you get, and how the process actually works when you apply. If you’re planning to start a small business, this guide is for you.
What Is CM Punjab Asaan Karobar Card?
This scheme is part of the Punjab Government’s Rozgar Program 2025, where the government provides interest-free loans of up to Rs. 10 lakh to eligible youth, especially BISP holders, skilled workers, and jobless individuals across Punjab.
The unique thing? This isn’t just a one-time loan. The scheme offers you a Karobar Card like a business debit card which can be used to get loans in phases. It works more like a financial support line you can use when you need it.
Who Is This Scheme For?
This Scheme card is designed for:
- Unemployed youth in Punjab who want to start their own work
- Skilled workers like electricians, tailors, mechanics, carpenters, etc.
- Beneficiaries of the BISP who wish to switch from aid to income
- Small traders and shopkeepers who want to expand
- Women who want to start home-based work
- People with valid CNIC and permanent Punjab address
What You Get With This Card
- Loan limit: Rs. 1 lakh to Rs. 10 lakh
- Interest: 0%
- Repayment time: 3 to 5 years
- Card type: Punjab Rozgar Karobar Debit Card
- Usage: Direct purchases, cash withdrawal, business payments
- Top-up option: Available after repayment starts
- No collateral, no bank visit required
What Happens When You Apply – Real-Life Flow Style
You hear about the scheme and decide to apply. You open the official portal – https://punjab.gov.pk/. Right on the home screen, there’s a banner for Asaan Karobar Card. You click it and the form opens.
First, they ask you for your CNIC number, mobile number, and current location. The system checks your info from NADRA and verifies if you’re already in BISP or any skill database (like TEVTA or PSDF). If all good, it unlocks the full form.
Now you enter basic details: your education, skill, and what kind of work you want to start. Nothing complex even if you write: I want to open a welding shop in my area that’s enough. They just want to know if your idea is workable.
Then it asks you to upload your documents CNIC (front/back), photo, and one proof of address. You click upload, everything goes through, and you submit.
After 10 to 15 days, you get an SMS or call from the loan department. They verify your identity and ask you to select your payment method bank account or Asaan Karobar Card. If you choose the card, it gets delivered to your nearest e-Khidmat Markaz or by post.
Now your card is active. You can withdraw the loan as needed in chunks or full, and repayment starts after 3 months. You keep using the card, repay slowly, and request more if your business grows.
That’s how it works no agent, no bribe, no long lines. Just your honesty, your idea, and your documents.
Also read Maryam Nawaz Health Clinic 2025 – Free Treatment & Medicine in Punjab
Business Ideas You Can Start with the Loan
- General store or mini mart
- Welding or electric shop
- Ladies salon or sewing center
- Food cart or small dhaba
- Mobile accessories and repair
- Motorcycle service station
- Grocery delivery setup
- Used clothes or kids’ shop
- Home-based online product selling
This loan isn’t for big talkers it’s for doers. If you’ve got a small plan and a real intention to work, this scheme is already made for you. Just take the first step.
Final Words
You applied. You got the card. Now you’re holding it in your hand, thinking what to do next. Maybe you start visiting shops to buy tools, or you call your cousin to help you set up a small stall. You tell your mother this time you won’t sit idle you’ve got a chance and you’re going to make something out of it.
The real journey starts now. This scheme doesn’t work like magic; you will. But this time, at least, you don’t have to beg someone for a loan, or depend on anyone else. You’ve got the support, the card, and a clean way forward.
Most people will still scroll, read, and move on. But if you’re not one of them if you’re someone who’s tired of waiting then don’t leave this window open. Go apply. Get your CNIC out, open the site, and make it happen.
schapak.com is always here to guide, but the next move is yours.
Is the Asaan Karobar Card really interest-free?
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