The CM Punjab Asaan Karobar Card PITB Portal is one of the most promising initiatives launched by the Punjab Government to help small business owners and entrepreneurs grow their ventures. Through this scheme, eligible citizens can get interest-free business loans up to PKR 1 million using a smart digital card — designed to make business financing simple, transparent, and accessible.
In this detailed guide, you’ll learn everything about the Asaan Karobar Card, including its benefits, eligibility, online application process via the PITB portal, and repayment details. By the end, you’ll know exactly how to apply successfully and make the most of this opportunity.
What is the CM Punjab Asaan Karobar Card?
The Asaan Karobar Card is a government-backed business support program that offers small and medium-sized entrepreneurs (SMEs) in Punjab interest-free loans through a smart credit card system.
The initiative is supervised by the Punjab Information Technology Board (PITB) and aims to digitize and simplify the loan application process through its official online portal.
Main Purpose of the Scheme
The program is part of Chief Minister Punjab’s vision to promote:
WhatsApp Channel
- Entrepreneurship among youth
- Small business growth in cities and rural areas
- Digital financial inclusion
- Transparent distribution of funds through online verification
Key Features and Benefits of Asaan Karobar Card
| Feature | Details |
| Maximum Loan Limit | Up to PKR 1,000,000 |
| Interest Rate | 0% (Interest-Free Loan) |
| Loan Tenure | 12 months revolving credit, then 24 months installment plan |
| Grace Period | 3 months from card issuance |
| Card Type | Smart business debit/credit card linked to your account |
| Annual Fee | PKR 25,000 + FED (deducted from approved limit) |
| Usage | Vendor payments, utility bills, business expenses, taxes, POS purchases |
| Cash Withdrawal Limit | Up to 25% of total credit limit |
Eligibility Criteria for CM Punjab Asaan Karobar Card
Before applying, ensure that you meet the basic requirements mentioned below:
| Eligibility Requirement | Details |
| Citizenship | Must be a Pakistani citizen living in Punjab |
| Age Limit | 21 to 57 years |
| CNIC & Mobile | Valid CNIC and active mobile number (registered under your name) |
| Business Type | Existing or new business in Punjab |
| Credit Evaluation | Must pass psychometric and creditworthiness checks |
| Verification | Through NADRA and PITB digital verification process |
How to Apply Online for Punjab Asaan Karobar via PITB Portal – Full Guide
Applying for the CM Punjab Asaan Karobar Card is completely online. Follow these easy steps:
Step 1: Visit the Official Portal
Go to the official PITB Asaan Karobar Card portal (https://akc.punjab.gov.pk).
Step 2: Register Your Profile
Click on “Register” and provide:
- Full Name
- CNIC
- Mobile Number
- Email Address
You’ll receive a confirmation code on your registered mobile number.
Step 3: Complete the Online Application Form
Fill out the form with:
- Personal details
- Business name and type
- Monthly income and expenses
- Bank account details
Step 4: Upload Required Documents
Attach the following scanned copies:
- CNIC (front & back)
- Recent photograph
- Business license or proof
- Utility bill or rent agreement
Step 5: Submit and Wait for Verification
After submission, your application is verified through the PITB database and NADRA. Once approved, you’ll receive your Asaan Karobar Card through the designated bank or delivery partner.
Documents Required for Application
| Document Type | Details Needed |
| CNIC | Front and back side copy |
| Proof of Residence | Utility bill or rent agreement |
| Business Proof | NTN or shop registration (if applicable) |
| Passport-size Photo | Recent clear photo |
| Bank Account | Active account in your name |
Loan Disbursement and Repayment Rules
Once approved, your business credit limit (up to PKR 1 million) is uploaded to your Asaan Karobar Card. You can use this card for approved transactions only.
- The first 12 months function as a revolving credit facility, allowing flexible usage.
- After that, repayment begins in 24 monthly installments.
- You get a 3-month grace period before installments start.
- Payments are made directly through linked bank accounts or the PITB digital system.
Late or missed payments may affect your credit record and future eligibility.
Common Problems During Application and How to Fix Them
| Issue | Possible Solution |
| Application not submitting | Check your internet connection and upload size |
| Verification pending | Wait 2–3 working days or contact PITB helpline |
| CNIC error | Make sure CNIC details match NADRA record |
| No confirmation email | Check spam folder or try resending OTP |
| Rejected application | Reapply with correct business documents |
FAQs about CM Punjab Asaan Karobar Card
What is the CM Punjab Asaan Karobar Card?
It’s an interest-free business loan program through a smart card for entrepreneurs in Punjab.
Who can apply for this scheme?
Any Pakistani citizen aged 21–57 living in Punjab with a small or medium business can apply.
How much loan can I get through the card?
Up to PKR 1 million, depending on eligibility and credit assessment.
Is the loan completely interest-free?
Yes, it’s a 0% markup loan with flexible repayment terms.
Where can I apply online?
Through the official PITB Asaan Karobar Card Portal: https://akc.punjab.gov.pk
Final Thoughts
The CM Punjab Asaan Karobar Card PITB Portal is a major step toward empowering small businesses and creating self-employment opportunities in Punjab. With its easy digital process, interest-free financing, and transparent verification, this scheme ensures that genuine entrepreneurs get the support they deserve. Apply today through the official PITB portal and take your business to the next level.
