Maryam Nawaz Karobar Card Loan Scheme 2025 – Apply Online for PKR 10 Lakh Interest-Free Loan

Looking to start or grow your business in Punjab? Chief Minister Maryam Nawaz Sharif’s Karobar Card Loan Scheme, officially known as the Asaan Karobar Card (AKC Punjab), is offering interest-free loans of up to PKR 1 million to small and medium business owners in the province.

Here’s everything you need to know — eligibility, step-by-step application process, benefits, repayment terms, and pro tips to get approved.

✅ What Is the Asaan Karobar Card (Maryam Nawaz Loan Scheme)?

The Asaan Karobar Card is a zero-interest SME loan program for entrepreneurs in Punjab. It provides a digital revolving credit facility for business-related expenses with easy repayment and no interest charges.

🔑 Key Features of the Karobar Card Loan

🧾 Who Can Apply? Eligibility Criteria

To qualify for the Maryam Nawaz Karobar Card:

• Must be a Pakistani citizen aged 21–57 years

• Must reside in Punjab with a valid CNIC

• Must own an existing or proposed business in Punjab

• Must have a clean credit history

• Must pass a credit and psychometric assessment

• Only one application per person/business is allowed

📝 How to Apply Online for Maryam Nawaz Loan Scheme – Step-by-Step Guide

Step 1: Register on the Official Portal

➡ Visit: https://akc.punjab.gov.pk/login
➡ Click “Register Now” and enter:

• CNIC-registered mobile number

• Personal details (Name, CNIC, Date of Birth)

• A strong password (8+ characters, use a capital letter, number & special character)

Step 2: Fill the Application Form

After login, complete these sections:

• Personal Info – Address, education, experience

• Business Details – Nature of business, revenue, employees

• Loan Amount – Choose between PKR 100,000–1,000,000 (Auto-selected as “Working Capital”)

Step 3: Upload Required Documents

• Front/back of CNIC

• 1–2 years bank statements (optional but recommended)

Step 4: Pay PKR 500 Processing Fee

• Use your 19-digit PSID generated on the portal

• Pay via mobile banking, ATM, or bank counter (Select 1Bill – Invoice/Fixed Payment)

Step 5: Submit Your Application

✅ Review everything
✅ Hit “Submit”
✅ Save the confirmation message for tracking
📌 If “Submit” is disabled, your form is already submitted.

💳 Loan Disbursement & Repayment Rules

• First 50% of funds released immediately (must be used within 6 months)

• Second 50% released after consistent repayments + PRA/FBR registration

Repayment Schedule:

• 3 months grace period (no payments)

• Then, repay 5% of principal monthly

• Final 2 years: repay in 24 equal installments

📌 Funds are strictly for business use only
📌 PRA registration mandatory within 6 months

💸 Fees, Charges & Coverage

📞 Need Help?

For assistance, call the Asaan Karobar Helpline at 1786.

📌 Final Tips Before Applying

• Keep your CNIC and business documents ready

• Double-check details before submitting

• Explore business feasibility reports on PSIC and BOP websites to strengthen your plan

💡 FAQs – Maryam Nawaz Karobar Card Loan Scheme

Q. Is the loan really interest-free?
Yes, it’s completely interest-free for the entire tenure.

Q. Can I apply without a registered business?
Yes, proposed businesses are allowed, but a strong business plan helps.

Q. How soon will I get the funds?
The first half of the loan is released soon after approval and card issuance.

Q. Can I reapply if rejected?
Currently, only one application per person is allowed.

🚀 Empower Your Business with 0% Interest

The Maryam Nawaz Karobar Card is a game-changer for Punjab’s entrepreneurs. Whether you run a shop, salon, food business, or startup — this scheme gives you the financial freedom to start, sustain, or scale your dream business without the burden of interest.

👉 Apply now at https://akc.punjab.gov.pk and take charge of your future!