CM Punjab Asaan Karobar Card – Scheme Tool

CM Punjab Asaan Karobar Card

Interest-Free Business Financing for Punjab’s SMEs

Eligibility Check

EMI & Utilization Simulator

Customize Your Scenario

Total Loan Amount

500,000

First 50% Release

250,000

Available in first 6 months

Grace Period

3 Months

No payments due

Monthly EMI

0

After grace period (5% minimum)

Cash Withdrawal Cap

0

Up to 25% of limit

Repayment Tenure

36 Months

After 3-month grace period

Interest Rate: 0%

This is an interest-free financing scheme. You only pay the principal amount with annual card fee of PKR 25,000 + FED.

Document Checklist & Printable PDF

Required Documents

  • Valid CNIC – Original copy and 2 photocopies (both sides)
  • Mobile Number Registration – Proof of mobile number registered in your name
  • Business Proof Documents – Utility bills, shop rental agreement, or business registration
  • NTN Certificate (if available) – National Tax Number certificate
  • Business Premises Photo – Recent photo of your business location (interior and exterior)
  • Bank Account Details – Account number and bank branch information for deposits
  • Last 6 Months Bank Statements – Showing business transactions
  • Personal Guarantee – Digital signature on application form
  • Processing Fee Receipt – Proof of PKR 500 non-refundable processing fee payment
  • Life Assurance Forms – Required forms filled for loan protection

Pro Tips:

  • Make photocopies of all documents before submission
  • Keep digital copies for your records
  • Ensure your CNIC is not near expiration
  • Business photos should clearly show your location and signage
  • Bank statements should be recent (within last 6 months)
  • Organize documents in the order shown in the checklist

Step-by-Step Guides

How to Register with PRA/FBR

  1. Visit the PRA Website: Go to www.pra.gov.pk or FBR portal (fbr.gov.pk)
  2. Create Account: Click “Register” and enter your email, phone, and CNIC details
  3. Verify Email/Phone: Check your email for verification link and confirm
  4. Complete Profile: Fill in business details, address, and contact information
  5. Upload Documents: Submit your CNIC copy, business proof, and NTN (if applicable)
  6. Submit Application: Review all details and submit for processing
  7. Receive Confirmation: You’ll get a registration certificate via email (usually within 2-3 days)
  8. Note: PRA/FBR registration is mandatory within 6 months of card issuance

How Digital Verification Works

  1. CNIC Verification: Your CNIC is verified against national records by authorized agencies
  2. Credit Assessment: Your credit history is checked with NCIB (National Credit Information Bureau)
  3. Psychometric Test: You may be asked to complete an online personality/business assessment
  4. Video Verification: A quick video call to verify your identity and business details
  5. Business Premises Check: Urban Unit conducts physical verification within 6 months of approval
  6. Ongoing Monitoring: Annual verification to ensure compliance with scheme requirements
  7. Timeline: Total digital verification takes 3-5 business days

What Documents to Upload & How

  1. Prepare Your Documents: Gather all required documents (see Document Checklist tab)
  2. Scan/Photograph: Use a smartphone or scanner to create clear digital copies (PDF or JPG format)
  3. File Size: Ensure each file is less than 5MB for smooth upload
  4. Quality Check: All text should be readable; if blurry, retake the image
  5. CNIC Upload: Upload both front and back side separately
  6. Business Photos: Include clear photos of shop front, interior, and signage
  7. Bank Statements: Upload recent statements in PDF format
  8. Submit via Portal: Upload through PITB portal in designated document sections
  9. Keep Copies: Save all uploaded documents for your records

The Complete Application Process

  1. Check Eligibility: Use our Eligibility Check tool above to confirm you qualify
  2. Gather Documents: Collect all required documents from the checklist
  3. Visit PITB Portal: Go to akc.punjab.gov.pk and click “Apply Now”
  4. Fill Application: Enter personal, business, and financial information accurately
  5. Upload Documents: Submit all required documents as per guidelines
  6. Pay Processing Fee: Submit PKR 500 non-refundable processing fee
  7. Digital Verification: Complete CNIC verification and online assessments
  8. Approval Status: Check your application status on the portal (3-5 days)
  9. Card Issuance: Upon approval, card will be delivered to your address
  10. Activate Card: Once received, activate via mobile app or branch
  11. Start Using: First 50% available immediately; second 50% upon good repayment

Frequently Asked Questions

Contact & Support

Need Help?

Call our dedicated helpline for assistance:

1786

Available 24/7 for your queries and support

Email: support@akc.punjab.gov.pk

Website: https://akc.punjab.gov.pk

Online Support

Chat with our support team through the PITB portal for quick answers to your questions.

Video Guidance

Check our YouTube channel for step-by-step video tutorials on how to apply and use the card.

Nearest Branch

Visit any authorized bank branch in Punjab for in-person assistance and document submission.

Mobile App

Download the Asaan Karobar Card app to manage your account, track transactions, and get updates.

⚠️ Important Disclaimer

This tool and website are NOT affiliated with the Government of Punjab, PITB, or any official government body.

This is an independent information and educational resource created to help entrepreneurs understand the CM Punjab Asaan Karobar Card scheme. While we strive to provide accurate information based on official scheme guidelines, we do not represent the actual government portal or handle official applications.

For official information and to apply:

  • Visit the official portal: https://akc.punjab.gov.pk
  • Call the helpline: 1786
  • Contact authorized banks directly

Eligibility and loan approval is determined solely by authorized banks and government officials, not by this tool. Use this tool for educational purposes only.