Asaan Karobar Card

CM Punjab Asaan Karobar Card is an interest-free business financing scheme launched by the Punjab Government to support small and medium enterprises. It provides loans up to PKR 30 Lakh with 0% markup, helping entrepreneurs start or expand their businesses without the burden of interest payments.

To login to your Asaan Karobar Card account, visit the official Bank of Punjab website or nearest branch. Click on "Asaan Karobar Card Login" and enter your CNIC number and password. If you're a new user, you'll need to register first by clicking "New Registration" and following the signup process. You can also call helpline 0800-09100 for login assistance.

You can check your application status in three ways: (1) Visit nearest Bank of Punjab branch with your CNIC and application number, (2) Call BOP helpline 0800-09100 and provide your CNIC and application reference, (3) Send email to info@bop.com.pk with your details. You'll receive real-time updates on verification, approval, and loan disbursement status.

The maximum loan amount under Punjab Asaan Karobar Card scheme is PKR 30 Lakh (3 Million Rupees). The minimum loan is PKR 50,000. The exact amount you qualify for depends on your business type, repayment capacity, and the purpose of the loan. Micro businesses can get up to PKR 5 Lakh, small businesses up to PKR 15 Lakh, and medium businesses up to PKR 30 Lakh.

No! Asaan Karobar Card provides completely interest-free and markup-free loans. There are no hidden charges, processing fees, or service charges. You only need to repay the principal amount you borrowed over the agreed tenure of 3-5 years. This is a government-subsidized scheme to promote entrepreneurship without financial burden.

The approval process typically takes 24-48 hours after you submit your complete application. Bank of Punjab conducts NADRA verification, credit checks, and document verification. Once approved, loan disbursement takes an additional 3-5 working days. In total, you can expect to receive funds within 5-7 working days from application submission.

Absolutely! Women entrepreneurs are highly encouraged to apply. In fact, 30% of the total loan quota is specially reserved for women entrepreneurs. Women business owners get priority processing and special support through the scheme. Whether you're running an existing business or starting a new venture, you can apply for loans up to PKR 30 Lakh.

Required documents include: (1) Valid CNIC (original and copy), (2) Domicile certificate of Punjab, (3) Recent passport-size photographs, (4) Bank account details, (5) Business registration or proof (if existing business), (6) Business address proof, (7) Income or business plan document. All documents should be clear, valid, and up-to-date.

It depends on your repayment capacity and credit history. If you have an existing loan but your credit score is good and you have the capacity to repay both loans, you may still be eligible. However, if you have any loan defaults or bad credit history, your application will likely be rejected. It's best to clear existing debts before applying for maximum approval chances.

Registration is simple: (1) Visit your nearest Bank of Punjab branch, (2) Request "Asaan Karobar Card Application Form", (3) Fill the form with your CNIC and personal details, (4) Submit required documents (CNIC, domicile, photographs), (5) Receive application reference number via SMS. Alternatively, call 0800-09100 for phone registration assistance or email info@bop.com.pk to request application form.