How to Apply For Government Asaan Karobar Scheme 2025

Introduction

The Punjab government has launched a new initiative to empower small and medium-sized entrepreneurs. Under the leadership of Chief Minister Maryam Nawaz, the Easy Business Finance Scheme has been introduced. This scheme provides interest-free loans to businesses in the province, enabling them to expand, sustain, or start new ventures without the burden of interest payments. Here’s everything you need to know about this groundbreaking initiative.

Key Features of the Easy Business Finance Scheme

1. Interest-Free Loans
   The scheme offers loans without any markup or interest, making it a highly attractive option for business owners. This ensures that entrepreneurs can focus on growing their businesses without worrying about additional financial burdens.
2. Two Loan Categories

• Category 1: Small business owners can avail loans ranging from PKR 100,000 to PKR 1 million. The repayment period for this category is 3 years, with a 3-month grace period before the first installment is due.
• Category 2: For larger businesses, loans from PKR 1 million to PKR 30 million are available. The repayment period for this category is 5 years, with the same 3-month grace period.

1. Grace Period
   Borrowers are given a 3-month grace period before they need to start repaying the loan. This allows them to stabilize their business operations and generate profits before beginning repayments.
2. Eligibility Criteria

• Applicants must be residents of Punjab.
• The age limit for applicants is 21 to 57 years.
• A valid CNIC and a registered mobile number are required.
• The business must be located in Punjab, whether it’s a new venture or an existing one.
• Applicants must have a clean credit history with no outstanding loans.

1. Digital Application Process
   The entire application process is online, making it convenient for applicants. The official website for the scheme is akj.org, where applicants can register and submit their forms.

Benefits of the Scheme

• Support for New and Existing Businesses: Whether you’re starting a new business or expanding an existing one, this scheme provides the financial support you need.
• No Hidden Charges: The loans are completely interest-free, with no hidden costs.
• Flexible Repayment Options: The repayment structure is designed to ease the financial burden on borrowers, allowing them to repay in manageable installments.
• Transparent Process: The use of digital channels ensures transparency in the allocation and utilization of funds.

How to Apply

1. Visit the official website: akj.org.
2. Click on the “Apply for Easy Business Finance” button.
3. Fill out the online application form with the required details.
4. Submit the necessary documents, including your CNIC and business details.
5. Once approved, the loan amount will be disbursed directly to your account.

Important Notes

• Only one applicant per business is allowed to apply for the loan.
• The loan amount must be used solely for business purposes and cannot be used for personal expenses.
• Applicants must ensure their business is registered and compliant with government regulations.
• Late payment charges may apply if installments are not paid on time.

Conclusion

The Easy Business Finance Scheme is a game-changer for small and medium-sized businesses in Punjab. By providing interest-free loans and a flexible repayment structure, the Punjab government is paving the way for economic growth and entrepreneurship in the region. If you’re a business owner looking to expand or start a new venture, this is an opportunity you don’t want to miss.

For more details, visit the official website or watch the informational video shared by the Punjab government. Don’t forget to subscribe to their channel for updates on this and other initiatives.