Asaan Karobar Card Login for Loan Scheme 2025 – akc.punjab.gov.pk Portal

The Asaan Karobar Finance Scheme launched by the Punjab Government in 2025 offers entrepreneurs the opportunity to receive interest-free loans to boost their businesses. One key feature of this scheme is the “Karobar Card” or “Asaan Business Card,” designed to assist small business owners. The card provides access to interest-free loans and simplifies the process of applying for financial assistance. In this article, we will discuss the Karobar Card login and explain how it works, its benefits, and how it can help you manage your business finances.

Point	Details
Loan Amount	Up to Rs. 1 million for business-related activities, interest-free.
Eligibility Criteria	Must be between 25-55 years, a resident of Punjab, an active FBR tax filer, and have a clean credit history.
Repayment Terms	Flexible repayment with equal monthly installments, no interest, and a grace period for start-ups and existing businesses.

What is the Karobar Card?

The Karobar Card is part of the Punjab Government’s initiative to support small and medium-sized businesses. It provides a simple and convenient way for entrepreneurs to access interest-free loans. The card can be used to apply for loans up to Rs. 1 million, which will be provided to business owners for three years. The loan amount is intended for business-related activities and can be utilized via digital platforms. This initiative aims to help over 100,000 small business owners in Punjab, enabling them to grow their businesses and contribute to the local economy.

How to Use the Karobar Card Login App (Web Portal Guide)

You can access the Karobar Card services through the official Punjab Government portal. Here’s how to log in and use the Web Portal:

Follow these Simple Steps

Step 1: Visit the Official Website

Go to the official Karobar Card login page: https://akc.punjab.gov.pk/login

Step 2: Enter Your CNIC

• In the field labeled “CNIC No.” (قومی شناختی کارڈ نمبر)
• Enter your 13-digit CNIC number without dashes.
  Example: 3120140169573

Step 3: Enter Your Password

• In the Password (پاس ورڈ) field, enter the password you used during registration.
• Make sure it is typed correctly (password is case-sensitive).

Step 4: Click on “LOGIN”

• Press the “LOGIN (لاگ ان)” button to access your dashboard.

Step 5: Forgot Your Password?

• If you forgot your password, click “Forgot Password?” (کیا آپ پاس ورڈ بھول گئے ہیں؟)
• Follow the instructions to reset it.

Step 6: New User? Register First

• If you don’t have an account, click “REGISTER NOW (ابھی رجسٹر کریں)”
• You’ll need to provide:
  • Your CNIC
  • Mobile number
  • Business details
  • And create a password

Step 7: Apply for Karobar Card

Once logged in, you can:

• Apply for a Karobar Card
• Fill out the business and financial details
• Submit the application
• Track your application status from your dashboard

Also Read: Documents Required for Benazir Taleemi Wazifa Verification 2025 – Full Details

Benefits of the Karobar Card

Here are the benefits of the Karobar Card in bullet points:

• Interest-Free Loan: Up to Rs. 1 million for business-related activities.
• Grace Period: Up to 6 months for start-ups and 3 months for existing businesses.
• Simple Application Process: Quick and easy application via the Karobar Card login app.
• Digital Access: Manage loan details, repayments, and status through the app.
• Flexible Repayment: Equal monthly installments with no interest.
• Support for Small Businesses: Designed to help over 100,000 small entrepreneurs in Punjab.

Eligibility Criteria for the Karobar Card

Here are the eligibility criteria for the Karobar Card in bullet points:

• Age: Between 25 and 55 years.
• Business Location: Must be a resident of Punjab and have a business in Punjab.
• Business Size: Small enterprises with annual sales up to PKR 150 million; medium enterprises with annual sales between PKR 150 million and PKR 800 million.
• Taxpayer: Must be an active FBR tax filer.
• Credit History: Must have a clean credit history.
• CNIC and NTN: Valid CNIC and NTN (National Tax Number) required.
• Property: Must own or rent the place where the business operates.

Repayment Terms and Loan Details

The repayment terms for the Karobar Card loans are designed to be flexible. Loan amounts can range from Rs. 1 million to Rs. 30 million, depending on the applicant’s business needs and eligibility. The loan tenure is up to five years, with equal monthly installments. Start-ups can enjoy a grace period of up to six months, while existing businesses can benefit from a three-month grace period. The loans are completely interest-free, making it easier for entrepreneurs to repay without the added financial burden of interest. The app also helps in managing repayments by sending reminders and updates.

Also Read: NADRA Graduate Internship Program 2025 (Complete Guide)

Conclusion

In this article, we have shared all the details about the Karobar Card login app, its features, benefits, and how it can help small business owners in Punjab access interest-free loans. The app simplifies the loan application process, offering convenience and efficiency for entrepreneurs. By providing easy access to funds and flexible repayment terms, the Karobar Card is a valuable tool for any business looking to grow and succeed in a challenging economic environment.

FAQs

Is the loan from the Karobar Card really interest-free?

Yes, the loan offered through the Karobar Card is interest-free, making it an attractive option for entrepreneurs who want to avoid high-interest rates.

What is the maximum loan amount available through the Karobar Card?

The maximum loan amount available through the Karobar Card is Rs. 1 million, which can be used for business-related activities.

Can I apply for the Karobar Card if I have an existing business in Punjab?

Yes, if you have an existing business in Punjab and meet the eligibility criteria, you can apply for the Karobar Card to receive a loan.