
The Punjab Asaan Karobar Card (AKC Punjab) might just be the solution you’ve been searching for. This government-backed initiative provides easy access to loans for small and medium-sized businesses in Punjab, Pakistan. The goal is to help entrepreneurs like you expand your businesses with low-interest or even interest-free loans.
We’ll take you through just about everything you need to know about the AKC Punjab loan scheme. We will discuss the loan features, eligibility criteria, and documents required, along with a step-by-step guide on how to apply for the loan online.
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What is the Punjab Asaan Karobar Card (AKC Punjab)?
The Punjab Asaan Karobar Card (AKC Punjab) is a financial assistance program designed by the Government of Punjab. The main goal of this scheme is to support small and medium enterprises (SMEs) in the Punjab. It allows the business owners to build their business by accessing loans at flexible repayment terms and low-interest rate.
Key Features of AKC Punjab Loan
The AKC Punjab loan has several attractive features:
- Low or Zero Interest: Small businesses can get interest-free or low-interest loans.
- Online Registration: Everyone can easily apply for a loan from home as the process is highly efficient and quick.
- Flexible Repayment Options: The terms of your repayment plans are designed to lighten the load of payments on your finances.
- Government-Backed: This is an initiative supported by the Punjab government to help promote entrepreneurship.
Loan Types and Amount Range
There are two types of loans available under the Punjab Asaan Karobar Card scheme:
Loan Types and Amount Range
There are two types of loans available under the Punjab Asaan Karobar Card scheme:
Loan Type | Amount Range | Purpose |
---|---|---|
Asaan Karobar Card | Rs. 500,000–1 million | For small business setup and expansion |
Asaan Karobar Finance Loan | Rs. 1 million–30 million | For medium to large-scale business financing |
Eligibility Criteria for AKC Punjab Loan
See the eligibility criteria before applying for an AKC Punjab loan:
- The candidate must be a resident of Punjab, Pakistan.
- Your company has to be small or medium and have legal registration.
- You must provide valid proof of business ownership (such as a business registration certificate).
- A valid CNIC (Computerized National Identity Card) is required.
- Your business should have a bank account for loan disbursement.

Documents Required for AKC Punjab Registration
If you want to apply for the AKC Punjab loan, you will need to collect the required documents:
- Valid CNIC: A copy of your Computerized National Identity Card.
- Proof of Business Ownership: This can be a business registration certificate, tax registration, or other legal documents.
- Recent Utility Bills: These will be used for address verification.
- Bank Account Details: For this programme, you need to provide bank account information.
- Passport-Sized Photograph: A recent photo of yourself.

Register for Punjab Asaan Karobar Card Loan Online
The AKC Punjab loan online registration process is easy to use.
Visit the Official Website
Visiting the official Asaan Karobar Card Portal. Look for the loan registration section on the homepage.

Fill Out the Online Form
Enter your personal details, including business:
- Full Name
- CNIC Number
- Contact Number
- Address
- Type of business
- Business registration number
- Annual revenue
Upload Required Documents
Uploading scanned copies of the following documents is necessary:
- CNIC
- Proof of business ownership
- Bank details
- Recent utility bill
Submit the Application
Before clicking the Submit button, review the application information.
Application Review & Loan Disbursement
Once you submit your application, the Punjab government will review it along with the attached documents. If everything is in order, you will receive a confirmation message via email or SMS. After that, the loan payment will be transferred to your bank account within a specified time frame.
Application Fee
This fee is a non-refundable application for the loan, which varies depending on the loan tier:
- Tier 1 Loan Application Fee: PKR 5,000
- Tier 2 Loan Application Fee: PKR 10,000
Benefits of AKC Punjab Loan
The Punjab Asaan Karobar Card Loan comes with several benefits for business owners:
- Easy Access to Financial Support: No complicated requirements make it easier for small businesses to get financial help.
- Promotes Business Growth: The loan helps businesses expand and sustain long-term growth.
- Encourages Entrepreneurship: It opens doors for aspiring entrepreneurs to kick-start their businesses.
- Supports the Local Economy: By aiding small businesses, the loan also contributes to the overall economic development of Punjab.
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Frequently Asked Questions (FAQs)
Who is eligible for the Punjab AKC Loan?
Any small or medium business owner residing in Punjab with a legally registered business can apply.
Is the AKC Punjab Loan interest-free?
Some loans under the AKC Punjab scheme are interest-free, while others offer low interest rates.
How long does it take for loan approval?
The approval procedure often takes a few weeks, depending on how well your documents are verified.
Can I apply if my business is not registered?
No, only legally registered businesses are eligible for the AKC Punjab loan.
How can I check my application status?
Fulfil your details on the akc punjab gov pk login official website to see the status of the application.
Conclusion
The Punjab Asaan Karobar Card Loan is a way for small business owners in Punjab to access financial support. Whether starting a new business or expanding an existing one, government-backed loans can take you to your business goal. The whole process is straightforward, and, with low interest rates and flexible repayment plans, it’s an excellent way to get the financial help you are looking for.
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