Now Get Asaan Karobar Finance Scheme 2026. The Asaan Karobar Finance Scheme 2025 is one of Pakistan’s biggest steps toward supporting young entrepreneurs, small businesses, and women-led startups. For the first time, business owners can access financing up to Rs. 30 million with 0% government-subsidised markup and flexible repayment terms.
This scheme focuses on startups, SMEs, agriculture units, and women entrepreneurs, giving them a simple and secure way to grow their business.
Asaan Karobar Finance Scheme 2025
| Feature | Details |
|---|---|
| Loan Type | Business financing for startups & SMEs |
| Maximum Amount | Up to Rs. 30 million |
| Markup | 0% (with tier-based charges) |
| Eligibility | Pakistani citizens aged 21–60 |
| Coverage | All over Pakistan |
| Repayment Time | 3–8 years |
| Supported Businesses | New & existing businesses |
| Application Method | Online + Bank Branches |
What Is the Asaan Karobar Finance Scheme 2025?
The Government of Pakistan, through partner banks and development finance programs, launched the Asaan Karobar Finance Scheme to help people start a business without the fear of high interest rates. This program supports:
- New startups
- Running small and medium enterprises (SMEs)
- Women entrepreneurs
- Youth-led businesses
- Rural and urban micro-enterprises
The goal is simple: more jobs, more income, and stronger economic activity.
This section is based on official portal insights and government notices.
Loan Tiers, Markup Rates & Repayment Duration
The scheme is divided into three financing tiers so every business—small or large—can benefit.
Tier 1 (T1)
- Loan Amount: Rs. 0.5M – Rs. 1.5M
- Markup: 6%
- Tenure: 3–5 years
Tier 2 (T2)
- Loan Amount: Rs. 1.5M – Rs. 7.5M
- Markup: 7%
- Tenure: 3–5 years
Tier 3 (T3)
- Loan Amount: Rs. 7.5M – Rs. 30M
- Markup: 8%
- Tenure: Up to 8 years
Note: The scheme is advertised as “interest-free,” but banks apply subsidised charges as per government policy. Still, the cost is far lower than regular commercial loans.
Eligibility Criteria
You can apply if you meet the following:
- Pakistani citizen aged 21–60 years
- Valid CNIC
- A workable business idea
- Running business (for higher tiers)
- Clean credit history
- Women applicants get special priority
Who Cannot Apply?
- Under 18 or over 60
- Government employees without NOC
- Past loan defaulters
- Businesses related to illegal activities
- Fake or unverified documents
Required Documents for Application
To increase your approval chances, prepare these:
- CNIC (valid)
- Business plan or feasibility report
- Registration documents (if applicable)
- Bank statements for last 6–12 months
- Collateral papers for Tier 2 & 3 loans
- Proof of business ownership (optional but helpful)
These requirements match the information shared by official partner banks.
How to Apply for the Asaan Karobar Finance Scheme 2025
Follow this simple process:
- Visit the official scheme website: https://punjab.gov.pk/asaan-karobar-finance
- Select a participating bank or online loan portal.
- Fill the form with personal and business details.
- Upload all scanned documents.
- Submit the form and save your tracking ID.
- Wait for SMS or email from the bank.
- Bank will verify your information and conduct due diligence.
- If approved, the loan amount is transferred to your account.
Participating Banks
These banks are currently offering loans under this scheme:
- National Bank of Pakistan (NBP)
- Habib Bank Limited (HBL)
- Bank Alfalah
- United Bank Limited (UBL)
- Meezan Bank (Islamic Finance Option)
Banks may add more branches as the program expands.
Common Reasons for Loan Rejection
Most applications fail due to:
- Incomplete documents
- Wrong or unverified CNIC
- Previous loan defaults
- Low income or risky business profile
- Poor-quality business plan
- Missing collateral (for big loans)
A strong feasibility and clean financial profile greatly increase approval chances.
Helpline & Contact Information
These details are collected from top bank sources and official pages:
- NBP Helpline: 021-111-627-627
- HBL Helpline: 021-111-111-425
- UBL Contact: 021-111-825-888
- Meezan Bank: 111-331-331
- Official Website: Search “Asaan Karobar Finance Scheme 2025 – Govt of Pakistan”
Always check the official portal for fresh updates.
Benefits of the Asaan Karobar Finance Scheme
- Access to interest-free financing
- Loans up to Rs. 30 million
- Flexible repayment up to 8 years
- Special support for women entrepreneurs
- Boosts local business and jobs
- Encourages new startups and innovation
- Lower cost compared to commercial loans
This scheme gives thousands of Pakistanis a chance to build something of their own.
Conclusion
The Now Get Asaan Karobar Finance Scheme 2025 is a game-changing opportunity for Pakistan’s business community. With low-cost financing, flexible repayment, and nationwide coverage, it gives every entrepreneur a fair chance to start or grow their business.
If you prepare your documents properly and have a clear business plan, your approval chances are strong. This is the right time to turn your business idea into reality.
