Punjab Government | CM Punjab Loan Scheme 2026 The CM Punjab Loan Scheme 2023 is a financing scheme provided by the Punjab Government to support youth in developing and securing interest-free financing thereby providing opportunities for entrepreneurship. The Punjab Small Industries Corporation (PSIC) at present has two relevant programs: CM Punjab Asaan Karobar Finance & CM Punjab Asaan Karobar Card.
CM Punjab Loan Scheme 2026 Apply Online Last Date
The eligibility criteria and financing limits vary between the two programs, so applicants should choose the option that best suits their business needs.
CM Punjab Loan Scheme 2026 – Key Information
| Information | Details |
|---|---|
| Scheme Name | CM Punjab Loan Scheme 2026 |
| Main Programs | Asaan Karobar Finance & Asaan Karobar Card |
| Province | Punjab, Pakistan |
| Purpose | Starting, expanding, and supporting businesses |
| Asaan Karobar Finance Loan | Rs. 1 million to Rs. 30 million |
| Asaan Karobar Card Loan | Up to Rs. 1 million |
| Markup for Borrower | 0% |
| Finance Age Limit | 25–55 years |
| Card Age Limit | 21–57 years |
| Finance Repayment Period | Up to 5 years |
| Card Repayment Period | 3 years |
| Finance Processing Fee | Rs. 5,000 / Rs. 10,000 |
| Card Processing Fee | Rs. 500 |
| Finance Grace Period | 3–6 months |
| Card Grace Period | 3 months |
| Business Location | Punjab |
| Official Website | punjab.gov.pk |
| Posted By | cts.com.pk |
CM Punjab Asaan Karobar Finance Scheme 2026
Asaan Karobar Finance programme is for those small and medium entrepreneurs who require financing to set up a business or grow. PSIC is official information indicates that financing may be used in carrying out the implementation of activities such as: establishment of a new business, expansion, working capital and balance/modernization/replacement, resource-efficient technologies and commercial logistics.
Loan Amount
- Tier 1: Rupees one million to five million as a clean loan along with personal guarantees.
- Tier 2: Secured Financing ranging from Rs.5 million to Rs.30 million
Eligibility for Asaan Karobar Finance
- SHOULD NOT be more than 25 – 55 years of age the time you apply.
- Have a clean ECIB/credit history.
- Hold a valid CNIC.
- Own/lease the premises in the applicant, partner name or director/business – for working-capital, expansion and bmr financing.
CM Punjab Asaan Karobar Card 2026
The Asaan Karobar Card is another option for existing and prospective small entrepreneurs in Punjab. It provides a digital, interest-free financing facility with funds restricted to business-related spending through digital channels such as mobile applications and POS transactions.
Loan Amount and Repayment
Eligible applicants can secure financing of up to Rs. 1 million. According to the official scheme information, it has a three-year tenure with a three-month moratorium before being repaid in 33 monthly installments.
Processing fee for a card as specified is Rs. 500 but there’s also an annual card fee of Rs. 25,000 + FED listed on that page. Applicable charges and terms are subject to change and applicants should check with the relevant official site for the most accurate information before submitting an application
Eligibility for Asaan Karobar Card
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Be 21 to 57 years old.
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Holding the Punjab domicile and a valid CNIC as a Pakistani citizen.
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Existing or proposed business location in Punjab.
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Have a valid CNIC.
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Own a mobile phone registered on their own name.
How to Apply Online for CM Punjab Loan Scheme 2026
Hence, we kindly advise you NOT to apply for the said scheme via unofficial / alternative channels and recommend that they be applied through the official Punjab Government / PSIC application channel.
Before applying, keep your required identification and business information handy. Asaan Karobar Finance has basic official requirements applicable to all loans such as a CNIC, and NTN but other business-premises-related specific requirements depending on the provision of purpose.
FAQs
Is the CM Punjab Loan Scheme interest-free?
The latest PSIC details available show the borrower mark in 0% under Asaan Karobar Finance and Asaan Karobar Card, while the financing cost is being subsidized by the Government of Punjab.
How much loan can be taken under Asaan Karobar Finance?
Minimum Amount to be Financed under Tier 2 – Rs. (up to a maximum of Rs. 30 million)
How much Asaan Karobar Card loan can you get?
According to the existing PSIC page, financing for the project is available up to Rs. 1 million.
Is this loan is all over the punjab?
Official scheme information outlines that the program is open to both businesses and applicants based in Punjab.
What is the last date to apply for CM Punjab Loan Scheme 2026?
The reviewed PSIC pages contain current scheme criteria and terms but do not communicate a new opening or closing date for applications in 2026. That means you shouldn’t be represented a solid 2026 deadline as of now because no official announcement exists.