CM Punjab Asaan Karobar Finance AKF Scheme Phase 2 Registration September 2025
The CM Punjab Asaan Karobar Finance Scheme پنجاب آسان کاروبار سکیم is one of the most important initiatives launched by the Government of Punjab to support small businesses and entrepreneurs. After the success of its first phase, the scheme has now entered Phase 2 in September 2025.
In this phase, this program will provide interest-free loans بلا سود قرضے to help individuals start or grow their businesses. In the AKF Loan phase, the loan limits have been increased by 90 Araab ارب Budget, and the loan is provided with 0% markup.
The launch of Phase 2 of the AKF Loan Scheme in September 2025 comes with more facilities, higher loan limits, and a transparent online application system. It is a golden chance for those eligible citizens who have missed registration in Phase 1 or who have been rejected in Phase 1. Through this scheme, the Punjab government aims to reduce unemployment, encourage entrepreneurship, and strengthen the local economy by supporting small and medium enterprises (SMEs).
What is CM Punjab Asaan Karobar Finance Scheme
The CM Punjab Asaan Karobar Finance Scheme (AKF) پنجاب آسان کاروبار سکیم is a financial support program launched by the Government of Punjab under the leadership of Maryam Nawaz. This program provides loans to young people, women, and small business owners so they can earn their own money.
This karobar finance program was first introduced in 2023 as Phase 1, where 4238 applicants received interest-free, zero-markup loans ranging from PKR 100,000 to PKR 1,000,000. Almost 31 araab ارب rupees have been distributed in Phase 1. This scheme was highly appreciated by the People.
Due to these loan amounts, thousands of people have set up their shops, small manufacturing units, and service businesses. This program provides loans according to two tiers. First tier receives 1M-5M PKR, while the 2nd tier receives 6M-30M PKR. The repayment period was only 5 years. Thousands of people become mobilized, which makes the Asaan Karobar آسان کاروبار Finance Scheme an important tool for reducing poverty and boosting economic growth across the province.
Asaan Karobar Finance Scheme AKF Phase 2 September 2025
Now, after making the lives of thousands in phase 1, the Punjab government has officially launched Phase 2 of the Asaan Karobar Finance Scheme September 2025. This new phase is designed to expand opportunities for youth, women, and small traders by providing them with bigger financial support and easier access to business loans.
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Under Phase 2, the loan limit has been increased to PKR 2 million, which means beneficiaries can now manage medium-scale businesses along with small ventures. The loans remain without sood, making it stress-free for applicants who often avoid banks due to heavy markup charges. The tenure period is up to 5 years.
The loan will be provided from 10 lakh to 50 lakh to small businesses, while up to 5 crore loan will be provided to the exporters and big businesses. Both have separate links available on the official website. It means you can receive a loan from 10 lakh to up to 5 crore. The citizens of Punjab only apply for this golden scheme.
Who can apply for akf loan phase 2?
Now, you’ll think about how you can get a loan for your business through Punjab Karobar Qarza, so take a look at the list below.
- Men, Women, Transgender (Khawaja Sara), and special persons are eligible.
- You must be a citizen of Punjab
- You must have a valid CNIC.
- Your age must be between 25 to 55 years.
- You must not belong to any cash department.
- You must be an active tax filer.
- Women entrepreneurs and widows are also allowed.
- Skilled workers and small traders.
- Startups and existing small businesses can also apply online.
Asaan Karobar Finance Scheme Phase 2 Online Registration 2025
If you are really interested in getting benefits from this Punjab scheme, then follow these steps.
- Visit the Official Portal: Open the Asaan Karobar Finance Scheme online application website.
- Create Account: Sign up using your CNIC and mobile number.
- Complete Form: Enter your personal, business, and financial details carefully.
- Upload Documents: Attach scanned copies of CNIC, recent photos, references, and any required papers.
- Pay Fee: Submit the application fee through the available online payment method.
- Review & Submit: Double-check all information and then confirm your application.
- Get Confirmation: A registration number will appear on the screen and will also be sent via SMS.
- Track Status: Keep checking updates through SMS alerts or by logging into the portal.
- This will take almost 20 minutes to verify your registration.
For Apply Online: Click Here
Required Documents for the Loan Application
You need these documents to apply online for the CM Punjab Asaan Karobar scheme.
- CNIC
- Mobile Number
- Financial details like Tax Filer, Monthly Expenses.
- Address Details and all business details
If you are an exporter and want to apply for a loan of 5 crore, then,
- Export Certificate
- LCs, and other confirm certificates.
- Slip from the Bank.
What to do after submission?
When you apply online for Punjab Asaan Karobar Finance AKF Qarza, your request will be verified by the BOP. If you’re selected, they will ask for documents. They will check your documents, then a loan will be issued digitally, and you’ll get a letter. You can also get an asaan karobar card for easy use. Then you will get your loan by the card and will start your business.
Key Features of CM Punjab Asaan Karobar Scheme
- Interest-free loans with flexible repayment plans.
- Loan amounts starting from PKR 100,000 up to 2 million.
- Easy online registration and tracking system.
- Biometric verification for transparency and fairness.
- Special focus on youth, women, and small traders.
Benefits of the AKF Interest-Free Loan Scheme
- Helps people start or grow their own businesses.
- Reduces unemployment by creating new job opportunities.
- Gives women and youth a chance to become financially independent.
- No burden of heavy interest, making repayment stress-free.
- Supports Punjab’s economy by promoting small enterprises.
Conclusion
The CM Punjab Asaan Karobar Finance Scheme Phase 2 (September 2025) is a golden chance for youth, women, and small traders to build their future with loans and easy repayment. From simple online registration to transparent processing, the scheme makes business financing accessible to everyone. With higher loan limits and wider benefits, it is a strong step toward reducing unemployment and boosting Punjab’s economy.