غیر سرکاری رہنما، سرکاری ویب سائٹ نہیںUnofficial guide, not a government siteWhy
حقدارHaqdaar · Unofficial guide
اردو

Haqdaar is an independent, unofficial guide. We are not BISP, the Government of Pakistan or any provincial government. We never ask for your CNIC, phone number or any fee. Apply only on the official website or office linked on this page.

حقدار ایک آزاد، غیر سرکاری رہنما ہے۔ ہمارا بی آئی ایس پی، حکومتِ پاکستان یا کسی صوبائی حکومت سے کوئی تعلق نہیں۔ ہم کبھی آپ کا شناختی کارڈ نمبر، فون نمبر یا کوئی فیس نہیں مانگتے۔ درخواست صرف اس صفحے پر دی گئی سرکاری ویب سائٹ یا دفتر میں دیں۔

OngoingPunjab

CM Punjab Asaan Karobar Card

Also called: Interest-free business card

An interest-free digital business card of up to Rs 1 million for small entrepreneurs in Punjab.

Last checked: (today) · Source: akc.punjab.gov.pk

This page was last checked more than 30 days ago. We are re-checking it. Confirm on the official source before you act.

Who it is for
Small entrepreneurs in Punjab aged 21–57, with a new or existing business.Source: punjab.gov.pk (Asaan Karobar Card page)Checked on:
How much
Up to Rs 1 million, 0% interest to the borrower, 3-year term.This figure is more than 45 days old, so we have hidden it. Confirm it on the official site or helpline.Source: punjab.gov.pk (Asaan Karobar Card page)Checked on:
Non-refundable processing fee Rs 500. Annual card fee Rs 25,000 + FED, recovered from the approved limit.This figure is more than 45 days old, so we have hidden it. Confirm it on the official site or helpline.Source: punjab.gov.pk (Asaan Karobar Card page)Checked on:
How to apply
Apply online on the PITB portal, akc.punjab.gov.pk.Source: punjab.gov.pk (Asaan Karobar Card page)Checked on:
Official helpline
1786Asaan Karobar helplineSource: punjab.gov.pk (Asaan Karobar Card page)Checked on:
Application portal: akc.punjab.gov.pk(opens in a new tab)Am I eligible?

According to Government of Punjab: Up to Rs 1 million, 0% interest to the borrower, 3-year term. Checked by Haqdaar on 26 Oct 2026.

Current status
The official page lists the terms and how to apply. Any 2026 changes are not confirmed.Source: punjab.gov.pk (Asaan Karobar Card page)Checked on:
Who qualifies
  • Age 21–57, Pakistani national, resident in Punjab.Source: punjab.gov.pk (Asaan Karobar Card page)Checked on:
  • A valid CNIC and a mobile number registered in your own name.Source: punjab.gov.pk (Asaan Karobar Card page)Checked on:
  • An existing or planned business located in Punjab.Source: punjab.gov.pk (Asaan Karobar Card page)Checked on:
  • A satisfactory credit and psychometric assessment, and a clean credit history with no overdue loans.Source: punjab.gov.pk (Asaan Karobar Card page)Checked on:
Who does not qualify
  • Only one application per person and per business.Source: punjab.gov.pk (Asaan Karobar Card page)Checked on:
Documents needed

We have not listed documents because we could not confirm the current list from an official source. Ask the official site or helpline. Give your CNIC only at the official office or on the official website.

How to apply
  1. Apply online on the PITB portal, akc.punjab.gov.pk.Source: punjab.gov.pk (Asaan Karobar Card page)Checked on:
  2. Pay the Rs 500 non-refundable processing fee through the official portal. Do not pay any agent.This figure is more than 45 days old, so we have hidden it. Confirm it on the official site or helpline.Source: punjab.gov.pk (Asaan Karobar Card page)Checked on:
  3. Authorised agencies verify your CNIC, credit history and business premises.Source: punjab.gov.pk (Asaan Karobar Card page)Checked on:
  4. The first 50% of the limit is usable in the first 6 months; the second 50% is released after regular repayments and PRA/FBR registration.Source: punjab.gov.pk (Asaan Karobar Card page)Checked on:

Application portal: akc.punjab.gov.pk(opens in a new tab)

How to check your status
  • Call the 1786 helpline or log in to the official portal.Source: punjab.gov.pk (Asaan Karobar Card page)Checked on:
Scams around this scheme
  • Avoid “agents” who charge to get your loan approved or for a “file fee”. Apply only on the official portal or at the bank branch.
  • “Instant loan” ads on WhatsApp or Facebook are usually not the government scheme.
  • Never share your OTP, PIN or bank password with anyone.
Questions people ask
Can I withdraw cash?
The official page says up to 25% of the limit can be withdrawn as cash for business needs.
Is it really interest-free?
The interest rate to you is 0%, but there is an annual card fee of Rs 25,000 + FED, a Rs 500 processing fee, and the bank may charge for late payments.
Change log

No changes recorded yet.

Three things that keep you safe

  1. BISP messages come only from 8171

    A message from any other number, WhatsApp account or link is fake.

    Source: bisp.gov.pk (Press Release No. 20, 10 Mar 2026)Checked on:

  2. Registration is free

    There is no fee to register with BISP or to receive a payment. Report any deduction on 0800-26477.

    Source: bisp.gov.pk (Press Release No. 20, 10 Mar 2026)Checked on:

  3. There is no online PMT checker

    Any website that claims to show your PMT score is fake.

    Source: PhoneWorld (Report on fake "8171 check online" sites, quoting a BISP official) (not official, so not linked)Checked on:

Got a suspicious message? Check it here · Common scams

Report a mistake

Related schemes

PM Youth Business & Agriculture Loan SchemeSubsidised bank loans for young people’s businesses and farming.Status unclearCM Punjab Kissan CardAn interest-free card for farmers with up to 12.5 acres to buy fertiliser, seed and other inputs.Ongoing

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