The CM Punjab Loan Scheme Policys In general implementation procedure 2026 is officially launched in the punjab by Government of Chief Minister Maryam Nawaz Sharif namely named as Asaan Karobar Loan Scheme. A one of its kind flagship program helping small entrepreneurs and SMEs of Punjab to grow through provision of interest free loans up to PKR 1 Million in the form of a Digital SME loan card.
The Maryam Nawaz Loan Scheme 2026 is aimed at transparent, cashless financing system with an organized mechanism that will not only help to expand business activities but also manage costs and ensure long-run sustenance for performers. Qualified applicants can apply through CNIC way and log-in/ track status of loan online on PM Office Integrated System of Ehsaas viz; PITB’s portal.
Online Apply Loan Scheme 2026
CM Punjab Asaan Karobar Loan Scheme 2026 – Key Highlights
- Maximum Loan Amount: PKR 1,000,000
- Interest Rate: 0% (Completely Interest-Free)
- Loan Duration: 3 Years
- Type of Facility : Debit revolving (first 12 months)
- Payment Plan: Equal payments over 24 months commencing Month 13
- Grace: 3 months from the date of card issuance.
- Disbursement Method: Digital SME Card
Applications are being received online for the CM Punjab Asaan Karobar Loan Scheme 2026 since January 2026, and the deadline to apply is February 15, 2026. Forms can be submitted at akc. punjab. gov.pk.
Purpose of CM Punjab Loan Amount Usage
Loans can only be used for business-related costs such as:
- Payments to vendors and suppliers
- Bills, taxes, government charges
- Digital payment through POS machines and mobile apps
- Working capital up to a maximum of 25% of the loan limit for business purposes or according to their guidelines.
🚫 All other Personal & Non-Business Transactions will be systematically blocked to avoid misuse of funds.
Eligibility Criteria for CM Punjab Loan Scheme 2026
The requirements for application are as follows:
- Small Enterprises (SEs) doing business in Punjab
- Age between 21 and 57 years
- Pakistani citizen and Punjab resident
- Original CNIC, Mobile Number in the name of applicant
- Business current or proposed to be carried on in Punjab
- Clean credit reference, no history of bad loans.
- Successful credit and psychometric assessment
- Only one request per person or business
CM Punjab Loan Disbursement & Repayment Structure
- First 50% Cap: Within first 6 months
- Grace period : 3 months from the date of digital SME card issuance
- Repayment Frequency (How Long)Monthly Repayment: Commences after grace period
- Minimum Down Payment: 5% of outstanding principal
- Remaining 50% Limit: Released after
- Proper utilization of initial funds
- Timely repayments
- Registration with PRA or FBR
Any balance left after the first year is paid back over two years in 12 equal monthly increments.
Apply Online CM Loan Scheme
Charges and Fees Details
- Processing Fee: PKR 500 (Non-Refundable)
- Annual Card Related Charges: PKR 25,000 + FED
- Life Insurance: Card Issuance and Delivery(Scheme covered)
- Late Payment Charges: As applicable as per bank policy
Security, Verification & Monitoring
- Digital personal guarantee from borrower
- Life assurance included
- Urban Unit – physical inspection of business premises after 6 months and yearly.
How to Apply for CM Punjab Loan Scheme 2026 Online
- Visit the official portal:
- 👉 https://akc.punjab.gov.pk/cmpunjabfinance
- Tap on Apply Online – CM Punjab Loan Scheme
- Complete registration and login
- Send in the electronic application and fill necessary details
- Submit the processing fee of PKR 500.editor.retakes.Done!
- Personal Identification, Credit as well as business check will be done electronically
CM Punjab Loan Scheme Login & Status Check by CNIC
- Login Method: PITB portal (Link given blow) with CNIC and registered mobile number
- Status: You can check your only write CNIC number in the message as shown in below example.
CM Punjab Asaan Karobar Loan Scheme 2026 Overview
The CM Punjab Asaan Karobar Loan Scheme 2026 has been prepared for micro and small businesses, promoting entrepreneurship through cashless digital lending at extended tenors of repayment.
CM Punjab Loan Scheme for Home-Based & Small Businesses
Entrepreneurs who intend home based business and small commercial units in Punjab can also apply subject to fulfillment of all terms and conditions of the scheme.
Helpline & Official Support
📞 Helpline Number: 1786
🌐 Official Website: akc.punjab.gov.pk
Further guidance on business plans and feasibility support is also accessible through PSIC and Bank of Punjab (BOP) channels.
Final Words – Maryam Nawaz Loan Scheme 2026
Commoncripts The CM Punjab will Lend a Transformational Scheme of 2026, This is the Biggest Favorable of All Loan Schemes Providing Loan Without Interest With Access to Easy Access and Degree Control with Easy Installments. Eligible small businessmen are advised to apply online in time, finalize registration and check application status through CNIC for maximum benefit.
