CM Punjab Maryam Nawaz has launched the CM Punjab Asaan Karobar Card Registration Online 2026 to support magnates. These programs provide interest-free loans extending from 5 lakh to 3 crore rupees for small and medium businesses. Eligible citizens of Punjab can now apply online through the official portal to start or enlarge their businesses.
| Loan Detail | Information for Feburary 2026 |
| Loan Amount | PKR 500,000 to PKR 30,000,000 |
| Interest Rate | 0% (Interest-Free Loans) |
| Loan Tenure | Up to 5 Years (Flexible Installments) |
| Age Limit | 25 to 55 Years |
| Target Audience | Youth, Women, and SMEs in Punjab |
| Application Link | akf.punjab.gov.pk |
What is the CM Punjab Asaan Karobar Card 2026?
The Asaan Karobar Card is a ground-breaking digital facility presented by Chief Minister Maryam Nawaz Sharif to modernize business sponsoring. In Feburary 2026, this card allows entrepreneurs to admittance credit for raw materials and business utilities with a limit of up to 1 million rupees. According to the official SMU Punjab Portal, this scheme helps small startups remove the hurdle of high interest rates.
Information Source: All details are sourced from the official Punjab Government portals and the top 10 verified monetary news sources for Feburary 2026.
Who can apply for the Maryam Nawaz Loan Scheme 2026?
The eligibility criteria for the CM Punjab Asaan Karobar Card Registration Online 2026 confirm that only admirable and hardworking residents of Punjab obtain financial aid.
- Residency: You must be a permanent resident of Punjab with a valid CNIC.
- Age Group: The candidate’s age should be between 25 and 55 years.
- Tax Status: Candidates must be active tax filers with the FBR and have a valid NTN.
- Credit History: A clean ECIB record is compulsory with no previous bank defaults.
How to complete the Punjab Asaan Karobar Card registration?
The CM Punjab Asaan Karobar Card Registration Online has been basic to a digital format for Feburary 2026. This allows users to track their submissions in real-time.
- Visit the official website at akf.punjab.gov.pk.
- Click on the ‘Apply Online’ button and enter your CNIC and mobile number.
- Fill in your private details and provide your active NTN number.
- Upload the required business plan or feasibility study if applying for Tier 2 loans.
- Submit the application and receive a tracking ID via SMS.
- Wait for the digital authentication and physical examination of your business site.
What are the loan tiers for the Maryam Nawaz business scheme?
To cater to both small shops and larger industrialized units, the CM Punjab Asaan Karobar Card Registration Online 2026 is divided into two distinct tiers.
| Tier Level | Loan Amount Range | Security Required |
| Tier 1 (Small) | PKR 500,000 to 5,000,000 | Personal Guarantee |
| Tier 2 (Medium) | PKR 6,000,000 to 30,000,000 | Property Mortgage / Assets |
| Tenure | Up to 60 Months | Interest-Free |
| Processing Fee | PKR 5,000 to 10,000 | Non-Refundable |
| Grace Period | Up to 6 Months | For Startups Only |
| Equity Share | 10% for Women | 25% for Men |
What documents are needed for Punjab loan registration 2026?
Confirming you have the correct paperwork is essential for a high approval rate in the CM Punjab Asaan Karobar Card Registration Online Scheme 2026.
- Identity: A clear perused copy of your original Smart CNIC.
- Financials: Last 6 months’ bank statement and FBR active filer proof.
- Business: Possession documents of the shop or a valid rent agreement.
- Utility: Latest electricity or gas bill of the business properties.
Can women and special persons apply for these loans?
Yes, the CM Punjab Asaan Karobar Card specifically prioritizes women, transgender individuals, and special persons. In Feburary 2026, women-owned businesses only need to provide 10% equity compared to the 25% compulsory for male applicants. This initiative aims to empower female impresarios to become economically independent.
How does the CM Punjab Parwaz Card 2026 help?
The Parwaz Card is another part of the Easy Business Scheme 2026 focusing on youth employment. It offers interest-free loans of up to 3 million rupees specifically for digital startups, freelancers, and small-scale developed. If you are a young advance looking to start your own tech firm, the Parwaz Card is your best entry point.
Helpline & Contact Section
For technical support or questions regarding your loan status, you can reach out to the official support centers:
- Official Website: https://akf.punjab.gov.pk/
- Helpline Number: 1786 (Toll-Free for all Punjab citizens)
- Visit Center: Nearest Punjab Police Khidmat Markaz or e-Khidmat Center.
- Email: support.akf@punjab.gov.pk
FAQs
1. Is the Maryam Nawaz Loan Scheme 2026 really interest-free?
Yes, under the Qarz-e-Hasna model, the government covers all markup costs. You only pay back the principal amount in easy repayments over 5 years.
2. What is the maximum loan amount for the Asaan Karobar Card?
The Asaan Karobar Card itself provides a credit limit of up to PKR 1,000,000 (10 Lakh), while the Finance Scheme can go up to PKR 30,000,000 (3 Crore).
3. Do I need an NTN to apply for a Punjab business loan?
Yes, being an active tax filer with an NTN is a mandatory necessity for both Tier 1 and Tier 2 loans in Feburary 2026.
4. How long does the loan approval process take?
Usually, the digital verification takes 2 weeks, and the final disbursement occurs within 4 to 6 weeks after a effective physical verification.
Conclusion
The CM Punjab Asaan Karobar Card and Maryam Nawaz Loan Scheme 2026 deliver a golden chance for the people of Punjab to achieve economic constancy. By offering interest-free loans and simplified online registration, the Punjab government is fostering a culture of free enterprise. If you meet the eligibility criteria, visit the official portal today and take the first step toward building your business empire.
This article is for informational purposes only. SmartFixers.pk is not an official government website and is not affiliated with any government department. Readers are advised to verify all information from official government sources before taking any action.
Our editorial team publishes original and informational content for educational purposes only.
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