Overview
The CM Punjab Asaan Karobar Card, introduced by the Punjab Government, is a scheme to support small entrepreneurs in the province. The program provides interest-free loans up to PKR 1 million, helping businesses grow and sustain themselves. With its digital SME card, payments through mobile apps, POS systems, and online channels become fully digital, ensuring transparency and efficient use of funds. I’ve seen how even small loans, when managed this way, truly empower entrepreneurs.
سی ایم پنجاب آسان کاروبار کارڈ ایک حکومتی منصوبہ ہے جو چھوٹے کاروباری افراد اور کسانوں کو بغیر سود کے قرضے اور مکمل ڈیجیٹل کسان کارڈ فراہم کرتا ہے تاکہ وہ اپنے کاروبار کو آسانی سے بڑھا سکیں اور
What is CM Punjab Asaan Karobar Card?
The CM Punjab Asaan Karobar, a government-backed initiative, offers small entrepreneurs an interest-free credit facility for business activities like vendor payments, utility bills, government fees, and cash withdrawals, covering 25% essential expenses. With digital monitoring and strict accountability, the scheme lets users manage loans securely and efficiently.
Key Features of CM Punjab Asaan Karobar Card
| Feature | Details |
| Maximum Limit | PKR 1 million |
| Tenure of Loan | 03 Years |
| Loan Type | Revolving credit facility for 12 months |
| Repayment Term | 24 equal monthly installments after first year |
| Grace Period | 3 months from card issuance for repayment commencement |
| Usage | Vendor payments, utility bills, taxes, POS/mobile transactions, 25% cash withdrawal |
| Interest Rate | 0% |
| Application Fee | PKR 500 (Non-refundable) |
Eligibility Criteria for CM Punjab Asaan Karobar Card
To apply for the scheme, applicants must meet the following requirements:
- All Small Entrepreneurs (SEs) in Punjab
- Age: 21 to 57 years
- Nationality: Pakistani, residing in Punjab
- CNIC & Mobile Number: Must be registered in the applicant’s name
- Business: Existing or prospective business in Punjab
- Credit & Psychometric Assessment: Must be satisfactory
- Application Limit: Only one per individual/business
- Credit History: Must be clean with no overdue loans
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How to Apply for CM Punjab Asaan Karobar?
Applications are submitted digitally via the PITB Portal. The process is simple and fast, ensuring maximum accessibility for all small entrepreneurs.
- Visit the official website
- Click on Apply Online and register your details.
- Submit your CNIC, business information, and mobile number.
- Pay the non-refundable processing fee of PKR 500.
- Digital verification of CNIC, creditworthiness, and business premises will be conducted by authorized agencies.
- Once approved, the digital SME card is issued for loan usage.
CM Punjab Asaan Karobar Card Apply Online
The Kisan Card is part of the Asaan Karobar initiative. It allows farmers and entrepreneurs to access financial support digitally.
Steps to apply online:
- Go to the official CM Punjab Kisan Card application page.
- Click 8070 Kisan Card Apply Online.
- Enter your CNIC, mobile number, and business/farm details.
- Upload supporting documents.
- Submit your application and note the reference number for future tracking.
CM Punjab Kisan Card Status Check
After applying, you can check the status of your application online.
Steps:
- Visit the Kisan Card Status Check page.
- Enter your CNIC and application number.
- Click Check Status.
- The page will display whether your application is Pending, Approved, or Rejected.
Tip: Keep your reference number safe for tracking purposes.
CM Punjab Asaan Karobar Card
Once your Kisan Card application is approved, you can download the card digitally.
- Login to the CM Punjab Finance Portal with your CNIC and password.
- Click on Download Kisan Card.
- The card will be available in PDF format for printing or saving on your mobile device.
Kisan Card Check Online
You can also check Kisan Card details online anytime using the portal:
| Feature | How to Access |
| Card Validity | Login to portal → My Kisan Card section |
| Loan Limit | Check digital balance online |
| Repayment Schedule | Portal shows EMIs and remaining balance |
| Usage History | View transactions through POS/mobile app |
Kisan Card Registration Punjab Pakistan Online Check
For entrepreneurs and farmers, registration and verification are mandatory. This ensures the proper use of funds and prevents misuse.
Steps for online registration and verification:
- Visit the official registration page: CM Punjab Asaan Karobar Registration
- Fill in CNIC, business/farm details, and mobile number.
- Submit documents and wait for digital verification.
- Once verified, your account is active, and you can use the Kisan Card for business expenses
CM Punjab Asaan Karobar Card Login
To manage your Asaan Card online:
- Go to CM Punjab Finance Portal
- Click Login.
- Enter your CNIC and password.
- Access your loan balance, usage details, repayment schedule, and other services.
Assan Card Online Apply
For all small entrepreneurs in Punjab, the online application process is straightforward:
- Digital Application: Submit via portal.
- Verification: CNIC, credit, and business premises check.
- Processing Fee: PKR 500.
- Loan Disbursement: Up to PKR 1 million in two phases.
- Repayment: Equal monthly installments after the grace period.
Note: Funds are restricted to business purposes only. Non-business-related transactions are blocked to ensure proper utilization.
Loan Usage and Repayment Details
| Loan Feature | Details |
| First 50% Limit | Available in first 6 months |
| Grace Period | 3 months after card issuance |
| Monthly Installments | Minimum 5% of outstanding principal after grace period |
| Second 50% Limit | Released after satisfactory use and registration with PRA/FBR |
| Repayment Term | Remaining balance repaid over 24 months in EMIs |
| Charges | Annual card fee PKR 25,000 + FED, life assurance, card issuance/delivery |
| Security | Personal guarantee digitally signed, life assurance included |
| Verification | Physical verification by Urban Unit within 6 months, then annually |
Conclusion CM Punjab Asaan Karobar Card
The CM Punjab Asaan Karobar Scheme is a game-changer for small entrepreneurs and farmers in Punjab, offering interest-free loans with structured repayment plans. Through fully digital Kisan Cards, users can apply online, check status, and download their card. The process is simple, transparent, and based on clear eligibility criteria, CM Punjab Asaan Karobar Card ensuring quick digital registration and lasting benefit.
