Asaan Karobar Loan Scheme 2026 – Apply Online for Up to 3 Crore Business Financing Under Maryam Nawaz Program
The Government of Punjab has launched the Asaan Karobar Loan Scheme 2026, a large-scale financing program introduced under the leadership of Chief Minister Maryam Nawaz. The initiative aims to support young entrepreneurs, small traders, women-led startups, and growing businesses by offering interest-free and low-markup loans up to 3 Crore PKR.
Loan Categories & Eligibility Criteria
Below is the official structure of the loan program:
Loan Structure
| Category | Loan Amount | Markup | Target Beneficiaries | Repayment Period |
|---|---|---|---|---|
| Tier 1 | PKR 100,000 – 500,000 | 0% Interest | Home businesses, youth startups | 2–3 years |
| Tier 2 | PKR 500,000 – 2,000,000 | Low Markup | SMEs, traders, shop owners | 3–5 years |
| Tier 3 | PKR 2,000,000 – 30,000,000 | Bank Markup Subsidized | Established businesses, manufacturers | 5–7 years |
Eligibility for Asaan Karobar 2026
To apply successfully, applicants must fulfil the following requirements:
Who Can Apply?
- Pakistani citizens with a valid CNIC
- Residents of Punjab
- Age limit: 18 to 55 years
- Individuals with a new or existing business idea
- Women, IT freelancers, and e-commerce sellers are encouraged
- No major bank default history
Documents Required
Prepare the following documents before starting your application:
- CNIC copy
- Recent passport-size photograph
- Business plan or business idea summary
- Bank account details
- Proof of residence
- Optional: NTN certificate and financial statements
How to Apply Online for Asaan Karobar Loan 2026
The entire process is digital, making it easier for applicants nationwide.
Step-by-Step Registration
- Visit the official Punjab Government Loan Portal.
- Click “Asaan Karobar Loan 2026 – Apply Now.”
- Enter your CNIC number and mobile number.
- Upload required documents.
- Select the loan tier (Tier 1, Tier 2, or Tier 3).
- Complete income and business details.
- Apply for verification.
Once your application is approved, the partner bank will contact you for biometric verification and final processing.
Benefits of the Asaan Karobar Loan Scheme
The scheme comes with multiple advantages for youth and businesses:
- No collateral for small loans
- Quick digital verification
- Job creation for thousands across Punjab
- Encouragement for entrepreneurship and startups
- Empowerment of women-led businesses
- Support for manufacturing and local production
Final Thoughts
The Asaan Karobar Loan Scheme 2026 is one of Punjab’s most ambitious self-employment programs, offering individuals an opportunity to build and expand their businesses with government-backed financial support. With simple eligibility, digital application, and financing of up to 3 Crore PKR, it is set to empower thousands of young entrepreneurs and strengthen Pakistan’s economic landscape.
