CM Punjab Asaan Karobar Finance Phase 2 Registration 2025 akf.punjab.gov.pk login

The Government of Punjab has launched Phase 2 of the CM Punjab Asaan Karobar Finance Program in 2025. This program is designed to help small and medium businesses grow by giving them interest-free loans. It is one of the largest business support projects in Punjab.

The program will provide loans worth 90 billion rupees in this second phase. The main goal is to support young people, men, and women who want to start or expand their businesses.

This article will explain the details, eligibility, loan amount, repayment terms, and registration process in very simple words. Check CM Punjab Apni Chat Apna Ghar Program September 2025.

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What is the CM Punjab Asaan Karobar Finance Program?

The CM Punjab Asaan Karobar Finance Program is a business loan scheme started by the Chief Minister of Punjab, Maryam Nawaz Sharif. It was created to provide financial support without interest so that small and medium businesses can grow.

The program is managed by the Punjab Small Industries Corporation (PSIC) in collaboration with the Bank of Punjab (BOP).

In the first phase, around 4,238 people received loans worth 31 billion rupees. Now, the second phase is even bigger, with 90 billion rupees reserved.

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Purpose of the Program

The program has some very clear goals:

• To support small and medium businesses in Punjab.
• To create jobs for young people.
• To reduce poverty by giving financial strength to families.
• To promote local products, agriculture, and industries.
• To provide equal opportunities to both men and women entrepreneurs.

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Loan Amount in Phase 2

In Phase 2, a huge amount of 90 billion rupees has been set aside. The loan amounts are divided into three categories:

1. Small Business Loans
   • Up to 10 lakh rupees.
   • For new startups and micro-level businesses.
2. Medium Business Loans
   • Up to 3 crore rupees.
   • For running businesses that want to expand.
3. Export Business Loans
   • Up to 5 crore rupees.
   • For businesses involved in exporting goods and services.

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Key Features of the Loan

Here are the important features of the Asaan Karobar Finance loan:

• 0% Markup (Interest-Free Loan)
  Borrowers will not have to pay any interest.
• Repayment Period
  The loan can be repaid in 5 years.
• Large Fund
  A total of 90 billion rupees has been reserved in Phase 2.
• Easy Process
  The registration and application process is online and simple.
• Equal Opportunity
  Both men and women can apply.

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Eligibility Criteria

To apply for the CM Punjab Asaan Karobar Finance Program, you must meet the following conditions:

• Age Requirement
  Applicant must be between 25 to 55 years old.
• Domicile
  Applicant must have a Punjab domicile.
• Business Idea or Plan
  You must have a clear business plan to use the loan.
• Gender
  Both male and female applicants are eligible.
• Commitment
  You must be ready to repay the loan within 5 years.

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Who Can Apply?

The program is designed for:

• Young entrepreneurs who want to start a new business.
• Existing business owners who want to expand their setup.
• Farmers and people related to agriculture.
• Traders, manufacturers, and service providers.
• Exporters who want to grow their international trade.

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Sectors Covered

This loan can be used for different business sectors, such as:

• Agriculture and Farming
• Handicrafts and Small Industries
• Manufacturing Units
• Textile and Garments
• Trading Businesses
• Services Sector (IT, transport, etc.)

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Benefits of the Program

The program is very beneficial for the people of Punjab:

1. No Interest – Repayment is without extra charges.
2. Large Amount – Loans available from 10 lakh to 5 crore rupees.
3. Support for Startups – Young people can launch new businesses.
4. Economic Growth – Helps improve Punjab’s economy.
5. Job Creation – Creates more employment opportunities.

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How to Apply for CM Punjab Asaan Karobar Finance Phase 2 (Step-by-Step)

Applying for the program is very simple. Follow these steps:

Step 1: Visit the Official Website

Go to akf.punjab.gov.pk. This is the official portal for registration.

Step 2: Create an Account

Register yourself with your CNIC number, phone number, and email.

Step 3: Fill in the Application Form

Provide details like:

• Personal information
• Domicile details
• Education and experience
• Business idea or existing business details

Step 4: Upload Required Documents

Upload scanned copies of:

• CNIC
• Domicile
• Business plan
• Any relevant certificates

Step 5: Submit Application

Submit the form online. After submission, you will receive a tracking number.

Step 6: Verification

Your documents and application will be checked by the concerned department.

Step 7: Loan Approval

If you qualify, your loan request will be forwarded to the Bank of Punjab (BOP) for final approval.

Step 8: Loan Disbursement

The approved loan amount will be transferred to your bank account.

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Documents Required

• Copy of CNIC
• Copy of Domicile
• Photograph
• Business plan or feasibility report
• Proof of existing business (if any)

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Success of Phase 1

The first phase of the program was very successful:

• Around 4,238 applicants received loans.
• A total of 31 billion rupees was distributed.
• Many small businesses benefited and created new jobs.

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Contact Information

For more details, you can contact:

• Punjab Small Industries Corporation (PSIC)
• Phone: 042-99201432
• Website: psic.punjab.gov.pk

You can also follow their social media pages for updates.

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Why Phase 2 is Important?

Phase 2 is important because:

• It provides much larger funding (90 billion rupees).
• It covers a wide range of business categories.
• It offers fair and easy loans without interest.
• It encourages more people, especially youth and women, to start their own businesses.

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Conclusion

The CM Punjab Asaan Karobar Finance Phase 2 Registration 2025 is a golden chance for the people of Punjab. With a huge amount of 90 billion rupees, the program will support thousands of entrepreneurs.

This program is not only for businessmen but also for farmers, traders, and exporters. It is a step towards reducing unemployment, poverty, and financial stress.

If you want to start or expand your business, this is the right time to register online and apply for an interest-free loan.

Punjab is moving towards growth, and this program will play a big role in building a stronger economy.