The Punjab Government has officially launched the Maryam Nawaz Asaan Loan Scheme 2026, also known as the Punjab Asaan Karobar Finance Scheme, to support small businesses, startups, and established entrepreneurs across Punjab. This interest-free business loan program is one of the largest financial relief initiatives aimed at promoting self-employment and economic growth.
The most attractive feature of this scheme is the 3 Crore Asaan Karobar Card, which allows eligible businesses to access up to Rs. 30 million in subsidized financing for expansion and working capital.
In this complete guide, you will learn how to apply online, who is eligible, loan limits, required documents, and the latest updates about the Asaan Loan Scheme 2026.
Overview of Punjab Asaan Karobar Finance Scheme 2026
The Maryam Nawaz Asaan Loan Scheme is a flagship entrepreneurship program launched under the leadership of Chief Minister Maryam Nawaz. It is implemented through the Punjab Small Industries Corporation (PSIC) in collaboration with the Bank of Punjab (BOP).
The main objective is to provide easy, transparent, and interest-free loans to youth, women, and small business owners so they can start new ventures or expand existing businesses without financial burden.
WhatsApp ChannelThis scheme introduces a digital financing system through the Asaan Karobar Card, making loan disbursement and repayment simple and trackable.
Asaan Karobar Card and 3 Crore Loan Facility
The Asaan Karobar Card works as a digital credit facility linked with your approved loan limit. Different tiers are available based on business size and financial capacity.
Loan Tiers and Limits
Tier 1 (Small Business)
- Loan up to Rs. 1,000,000
- Markup: 0% interest-free
- Repayment period: 3 years
Tier 2 (Medium Business)
- Loan from Rs. 1 million to Rs. 7.5 million
- Markup: 0% subsidized
- Repayment period: 5 years
Tier 3 (Large Business – 3 Crore Card)
- Loan up to Rs. 30,000,000
- Markup: 0% subsidized
- Repayment period: up to 8 years
This high-tier facility is specially designed for established businesses planning large-scale expansion.
Eligibility Criteria for 3 Crore Asaan Loan Scheme
To apply for the Maryam Nawaz Asaan Loan Scheme 2026, applicants must fulfill the following conditions.
Residency Requirement
Applicant must be a permanent resident of Punjab with a valid CNIC and domicile.
Age Limit
For Tier 3 business loans, age must be between 25 and 55 years.
For micro and small loans, age limit is 18 to 60 years.
Business Status
For the 3 Crore loan, you must have an existing running business or a strong, well-documented startup plan.
Credit History
Applicant must have a clean ECIB record with no history of bank default.
Tax Registration
You must be an active tax filer with FBR or PRA, or agree to become a filer within six months of approval.
Collateral Requirement
Tier 2 and Tier 3 loans require collateral such as property documents, business assets, or bank-approved guarantees.
Required Documents for Online Application
Prepare the following documents before starting your registration.
- CNIC (front and back)
- Passport-sized photograph
- NTN certificate
- Business feasibility report explaining how the loan will be used
- Bank statements of last 6 to 12 months
- Property or collateral documents (for loans above Rs. 1 million)
Uploading complete and clear documents increases approval chances.
How to Apply Online for Maryam Nawaz Asaan Loan Scheme 2026
The application process is completely online and transparent. Follow these steps carefully.
Step 1: Visit Official Portal
Open the official website of Punjab Small Industries Corporation at psic.punjab.gov.pk or the dedicated scheme portal announced by the government such as akc.punjab.gov.pk.
Step 2: Create Account
Register using your CNIC number and a mobile number registered in your name.
Step 3: Select Loan Tier
Choose your loan category. Select Tier 3 if you are applying for the 3 Crore Asaan Karobar Card.
Step 4: Fill Application Form
Enter your personal information, business details, financial record, and loan requirement carefully.
Step 5: Upload Documents and Submit
Attach all required documents and submit the application online.
Step 6: Verification and Inspection
After submission, a Bank of Punjab representative will contact you for document verification and physical inspection of your business premises.
Selection Process and Loan Disbursement
Once your application is verified, the bank will evaluate your feasibility report, collateral, and credit history. After approval:
- Loan limit is finalized
- Asaan Karobar Card is issued
- Funds are released according to business needs
- Repayment schedule is shared with the applicant
Support and Helpline
If you face any issue during registration or want to check your application status, you can contact:
Punjab Government Helpline: 1786
Official Bank Partner: Bank of Punjab (BOP)
Final Thoughts
The Maryam Nawaz Asaan Loan Scheme 2026 is a golden opportunity for entrepreneurs and business owners in Punjab to expand their businesses with interest-free financing. The 3 Crore Asaan Karobar Card provides large-scale capital support under a transparent government-backed system.
Frequently Asked Questions (FAQs)
Is the Asaan Loan Scheme interest-free?
Yes, all tiers are offered on 0 percent markup or fully subsidized interest.
Can startups apply for the 3 Crore loan?
Yes, startups with a strong feasibility plan and collateral can apply.
Is collateral mandatory?
Yes, for Tier 2 and Tier 3 loans, collateral or guarantees are required.
How long does approval take?
Usually, verification and approval may take 3 to 6 weeks depending on documentation.
