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- CM Punjab Asaan Karobar Finance
0% markup business loans from Rs 1M to Rs 30M (up to Rs 50M for exporters). For tax filers aged 25 to 55 with a business in Punjab.
Applications open - CM Punjab Asaan Karobar Card
Interest-free revolving credit up to Rs 1M on a digital business card. New registration has been stopped on the official portal.
Applications closed - PM Youth Business & Agriculture Loan
Federal loans for young entrepreneurs and farmers: up to Rs 0.5M at 0%, up to Rs 1.5M at 5% and up to Rs 7.5M at 7%, through 15 banks. Online applications only.
Applications open - eBiz Punjab Portal
One portal for Punjab business registrations, licences, certificates and NOCs. Register with an email, apply, pay online and track. Helpline 1284.
Ongoing service
Finance or Card: how to choose
The two Asaan Karobar programs share a name but suit different businesses. Asaan Karobar Finance is a term loan from Rs 1 million to Rs 30 million, or up to Rs 50 million for exporters, with 0% interest for up to five years. It needs you to be an active FBR tax filer aged 25 to 55, and it charges a non-refundable processing fee of Rs 5,000 or Rs 10,000, so it fits established traders and companies that keep records. Asaan Karobar Card was a smaller, flexible credit line of up to Rs 1 million for small entrepreneurs aged 21 to 57, who could register for tax after getting the card; its registration has stopped. If you are a small shopkeeper who is not yet a tax filer, the honest advice is to register with FBR and file your return now, so you are ready for Finance or for any new round of the Card.