akc.punjab.gov.pk Login | CM Punjab Asaan Karobar Card 2025

akc.punjab.gov.pk Login | CM Punjab Asaan Karobar Card 2025. The Asaan Karobar Card is a special program started by Chief Minister Punjab Maryam Nawaz Sharif. It is made to help small business owners, startups, and young people who want to do business in Punjab. The government gives interest-free loans through this card to help people grow their business or start a new one.

This program is part of a big effort to create jobs, reduce poverty, and support local businesses. If you are living in Punjab and have a business plan or a small shop, this card can help you a lot.

The Government of Punjab has set aside Rs. 84 billion for business finance programs. Out of this, Rs. 48 billion is only for the Asaan Karobar Card. This shows how serious the government is about helping small business owners.

Before applying, make sure you fit the rules. These are simple but important:

• You must live in Punjab.
• You must be a Pakistani citizen.
• Your age must be between 21 and 57 years.
• You should have a valid CNIC.
• Your mobile number must be active and registered in your name.
• You should own a business or plan to start one in Punjab.
• Your credit history must be clean (no unpaid loans).
• You must register your business with PRA or FBR within six months.
• You should pass the credit and psychometric test.
• Only one application per person or business is allowed.

Some people are not allowed to apply:

• If you are under 21 or above 57 years old.
• If you do not live in Punjab.
• If you have unpaid loans or bad credit.
• If your CNIC is invalid or not in your name.
• If you use a mobile number not registered in your name.
• If you don’t have a business or plan in Punjab.
• If you fail the credit test.
• If you send more than one application.
• If you use fake or wrong information.

Here’s why this program is helpful:

• Get up to Rs. 10 lakh in loan money.
• No interest at all (0% markup).
• Use the card to pay bills, vendors, and suppliers.
• Withdraw 25% of the loan amount as cash if needed.
• Grace period of 3 months. You don’t pay anything in the first 90 days.
• Flexible repayment: First year is revolving credit, then monthly installments.
• Women get 25% quota. This means special support for female entrepreneurs.
• Business support tools and help included.
• Life assurance is provided to all cardholders.
• Data and payments are secure and monitored.

The full process is online, so you don’t need to visit any office.

Step 1: Open the Official Website

Go to: https://akc.punjab.gov.pk

Step 2: Click on “Register”

Look for the green button that says “Apply for Asaan Karobar Program” and click it.

Step 3: Fill in Your Personal Details

You will see a form. Enter:

• Your full name (as per CNIC)
• CNIC number
• Father’s or Husband’s name
• Date of birth
• CNIC issue and expiry date

Step 4: Enter Mobile Number

• Select your mobile network
• Enter your phone code and mobile number

Make sure this number is registered in your name.

Step 5: Create a Password

• Make a strong password
• Type it again in the “Confirm Password” box

Passwords must match. If not, you’ll see an error.

Step 6: Click “Register”

Double-check all your details. Then press the “Register” button.

You will get an SMS confirmation. Your account is now created.

After registration, you can log in any time. Here’s how:

Step 1: Visit the Website

Go to https://akc.punjab.gov.pk

Step 2: Click on “Login”

You’ll find it on the top of the page.

Step 3: Enter CNIC and Password

• Type your CNIC number
• Enter your password

Click “Login” to open your dashboard.

• You must pay Rs. 500 as a non-refundable fee.
• Follow the payment steps shown on the portal.

Once your application is submitted:

1. Your information is checked online.
2. If needed, you may get a call or SMS for more documents.
3. If approved, you’ll get a message.
4. Your Asaan Karobar Card will be sent by TCS or can be collected from the Bank of Punjab.

• First 3 months: No payment required.
• First 6 months: Use 50% of your loan amount.
• After 6 months: If you make payments on time and register your business, you’ll get access to the other 50%.
• After 1 year: Pay the rest in 24 equal monthly installments.
• Minimum 5% of the outstanding amount must be paid every month.

• Annual card fee: Rs. 25,000 (taken from loan limit)
• Application fee: Rs. 500 (non-refundable)
• Other charges like delivery and assurance are covered by the government
• Late fees may apply if you miss payments

You can check your status in these ways:

1. Online Portal:
Login to your account and see your application stage: Under Review, Approved, or Pending.

2. SMS Service:
Send STATUS [Your Application ID] to 8300.

3. Helpline:
Call 051-9053333 or 1786 for help.

4. Visit a Bank:
Go to any Bank of Punjab or NBP branch with your CNIC and ask them to check for you.

The system is secure. Here’s how:

• You must digitally sign a personal guarantee
• Your data is protected
• Only one application per person and business
• Urban Unit will verify your business place
• You must register your business within 6 months

The CM Punjab Asaan Karobar Card is a great chance for people who want to grow their business. Whether you’re a shopkeeper, startup owner, or woman with a home-based idea, this card can help you. It gives easy loans with no interest and a clear process.

Visit akc.punjab.gov.pk today and start your application. The sooner you apply, the faster you can receive your card and support your business dreams.