Interest-Free Credit Up to PKR 1 Million (10 Lakh) on akc.punjab.gov.pk
Revolving working capital facility for small retailers, shopkeepers & startups in Punjab. Application fee is PKR 500 payable only via official PSID.
Urgent Warning: Beware of Compromised Sites & Casino Spam Fake Portals
The Punjab Information Technology Board (PITB) has issued high-priority public advisories warning citizens against fraudulent websites mimicking Punjab welfare schemes. Multiple high-ranking search engine results for Asaan Karobar Card (such as asankarobarcard.com.pk and similar content farms) are compromised with illicit casino, gambling, and betting spam (e.g., "Mil win", "Lucky 101", "3 Patti Blue", "Pkrspin").
The sole authentic portal is akc.punjab.gov.pk. Never trust .com, .com.pk, or blog pages asking for your CNIC.
The PKR 500 fee is payable ONLY through a system-generated 17-digit PSID. Never transfer money via JazzCash/EasyPaisa to personal phone numbers.
Government officials and BOP will never call asking for your SMS verification codes, ATM PIN, or mobile app passwords.
Asaan Karobar Card Punjab 2026: Apply Online at akc.punjab.gov.pk, Eligibility & 10 Lakh Limit
The verified, independent public guide to the Government of Punjab's Asaan Karobar Card scheme. Learn how small retail shopkeepers, traders, and emerging entrepreneurs across Punjab can access up to PKR 10 Lakh (1 Million) in interest-free revolving credit, navigate Bank of Punjab scrutiny, satisfy the mandatory FBR tax-filer requirement, and protect personal data from predatory fake loan websites.
How to Check or Verify: Direct Answer: Asaan Karobar Card Punjab (2026)
The Asaan Karobar Card is a digital SME revolving credit card by the Government of Punjab and Bank of Punjab (BOP), providing up to PKR 1,000,000 (10 Lakh) in interest-free business financing over a 3-year tenure with a 3-month initial grace period. Applications are submitted online exclusively at akc.punjab.gov.pk with a PKR 500 fee paid via official 17-digit PSID. Applicants must be Punjab residents aged 21–57, operate a business in Punjab, and be active tax filers on FBR’s ATL (or commit to FBR registration). Up to 25% cash withdrawal is permitted after 6 months; 75% is restricted to digital/POS business payments.
The Critical Eligibility Gate: Mandatory FBR Tax Filer Standing
Unlike generic social welfare handouts, the Asaan Karobar Card is a formalized commercial credit facility backed by the provincial treasury. Most low-quality websites bury or omit this fact: you must have an active National Tax Number (NTN) and appear on FBR's Active Taxpayer List (ATL) to successfully qualify:
Established shopkeepers and registered sole proprietors must provide an active NTN showing filer status on FBR's ATL. Applications from verified filers undergo expedited automated processing with the Bank of Punjab.
Check FBR Active Taxpayer Status by CNIC →Emerging entrepreneurs without prior tax records may submit initial applications, but the Bank of Punjab enforces a binding 6-month compliance window. Failure to file your annual return will lead to card suspension.
How to Become an FBR Tax Filer in 2026 →Who Is Eligible for Asaan Karobar Card on akc.punjab.gov.pk?
Verify that you satisfy all six technical criteria before paying the PKR 500 application fee:
Pakistani citizen holding an unexpired 13-digit Computerized National Identity Card (CNIC) with permanent residence in any of Punjab's 36 districts.
Applicant must be at least 21 years old and not older than 57 years on the date of application submission, aligned with commercial banking guidelines.
Must operate a verifiable commercial retail shop, trading outlet, cottage workshop, or provide a sound business plan with defined premises located inside Punjab.
The mobile number submitted on akc.punjab.gov.pk must be biometrically registered to your own CNIC in the PTA database.
Applicant must not be a write-off or loan defaulter with any commercial bank, microfinance institution, or past government financing scheme.
Applicant must possess an active NTN and be on FBR ATL (or comply with tax registration within 6 months of card issuance as mandated by BOP).
Official Facility Terms & Financial Ledger (2026)
Confirmed limits, zero-markup terms, processing fee, and tenure structure under Bank of Punjab guidelines
| Service Type / Document | Normal | Urgent | Executive / Fast | Validity / Period |
|---|---|---|---|---|
Maximum Credit Limit | Up to PKR 1,000,000 (10 Lakh) | Revolving Credit Facility | Based on Business Turnover | Standard |
Bank Markup / Interest Rate | 0% (100% Interest-Free) | Paid by Punjab Govt | Zero Markup to Borrower | Standard |
Facility Tenure & Grace Period | 3 Years (36 Months) | 3-Month Initial Grace Period | Revolving Line of Credit | Standard |
Official Application Processing Fee | PKR 500 (Non-refundable) | Paid Only via 17-Digit PSID | No Cash to Agents | Standard |
Cash Withdrawal Ceiling | Up to 25% of Sanctioned Limit | 75% Must Be Digital / POS | Activated After 6 Months | Standard |
Administering Financial Partner | The Bank of Punjab (BOP) | Commercial Verification | Provincial Treasury Backed | Standard |
What Can You Spend the Card On? (75% Digital vs. 25% Cash)
The Asaan Karobar Card is engineered to stimulate commercial business activity, not unmonitored personal consumption:
- •Wholesale Inventory & Stock: Direct point-of-sale (POS) card swipes at wholesale grain markets, fabric centers, hardware distributors, and authorized FMCG dealers.
- •Vendor & Supplier Payments: Digital bank transfers to registered vendor bank accounts through the BOP digital business portal.
- •Commercial Utility Bills: Paying commercial LESCO, GEPCO, FESCO, MEPCO electricity and Sui Gas bills directly via card rails.
- •Taxes & Municipal Fees: Clearing FBR income tax challans, PRA sales tax, and local government shop trade license renewals.
- •25% Cash Cap: ATM cash withdrawal is strictly restricted to a maximum of 25% of the total approved limit (e.g., up to Rs. 250,000 on a Rs. 10 Lakh card), activated only after 6 months of prompt repayment history.
- •Personal Expenses Prohibited: Funds cannot be used for domestic household groceries, luxury jewelry, personal foreign travel, or vehicle leasing.
- •Gambling & Betting Blocked: Merchant Category Codes (MCC) for casinos, betting apps, or cryptocurrency exchanges are hard-blocked by the State Bank and BOP.
Step-by-Step: How to Apply & Receive Your Asaan Karobar Card
5 verified stages from online registration to PSID fee payment, BOP verification, and card dispatch
Check FBR Filer Status & Business Criteria
Confirm you meet age (21–57), have Punjab CNIC, active business/startup in Punjab, and active NTN on FBR Active Taxpayer List (ATL).
Register on Official Portal: akc.punjab.gov.pk
Visit the only genuine government portal akc.punjab.gov.pk. Create an account using your 13-digit CNIC and a SIM registered in your own name.
Submit Business Profile & Upload Documents
Enter business address, category, monthly turnover, and upload clear photos of CNIC, business premises, utility bill, and NTN certificate.
Pay PKR 500 Application Fee via PSID
The portal generates a unique 17-digit PSID code. Pay PKR 500 through ePay Punjab, ATM, 1Link mobile banking, or bank counter. Never pay cash to agents.
BOP Credit Appraisal & Card Issuance
Bank of Punjab conducts physical business verification and credit evaluation (e-CIB). Once approved, sign the agreement at your BOP branch to collect your card.
Comparing Asaan Karobar Card vs. Kisan Card vs. PM Youth Loan
Low-quality blogs frequently confuse the urban SME Karobar Card with the provincial agriculture Kisan Card and the federal PM Youth Loan. Understand which scheme matches your profile:
Asaan Karobar Card vs. CM Punjab Kisan Card vs. PM Youth Business Loan
Target beneficiaries, loan ceilings, official portals, and eligibility verification databases
Asaan Karobar Card (Punjab)
akc.punjab.gov.pk
- Targeted at urban/rural retailers, traders, and small business owners.
- Interest-free revolving credit limit up to PKR 1,000,000 (10 Lakh).
- 3-year tenure with 3-month grace period and up to 25% cash withdrawal.
- Mandatory FBR tax filer compliance (or 6-month grace commitment).
- Official portal: akc.punjab.gov.pk (PKR 500 fee via 17-digit PSID).
Traders, retailers, and small enterprise owners in Punjab needing working capital for inventory and stock.
CM Punjab Kisan Card
SMS to 8070 / agripunjab.gov.pk
- Exclusively for agricultural landholders in Punjab owning 1 to 12.5 acres.
- Subsidized interest-free agriculture credit: Rs. 30,000/acre up to Rs. 150,000.
- Covers agricultural inputs: DAP/Urea fertilizers, seeds, and pesticides.
- Verified strictly through Punjab Land Records Authority (PLRA) land records.
- Apply via official SMS: PKC [CNIC] to 8070 or Tehsil Agriculture Office.
Agricultural landowners in Punjab seeking immediate interest-free fertilizer and seed financing per crop.
PM Youth Business & Agriculture Loan
pmyp.gov.pk
- Federal scheme open across all four provinces, ICT, AJK & Gilgit-Baltistan.
- Tier 1 (Up to PKR 500,000 interest-free), Tier 2 (Up to 1.5M at 5%), Tier 3 (Up to 7.5M at 7%).
- Aimed at youth aged 21–45 seeking new business startup capital.
- Administered via major participating commercial banks nationwide.
- Applications processed solely through the federal portal pmyp.gov.pk.
Aspiring young entrepreneurs nationwide seeking federal startup financing beyond Punjab.
CM Punjab Kisan Card: Rs. 150,000 Fertilizer & Seed Loan via 8070 SMS
If you own 1 to 12.5 acres of agricultural land, apply for interest-free fertilizer subsidies and seasonal crop financing through the separate Agriculture Department scheme.
Related Business & Tax Compliance Resources on Pakistan Info Hub
FBR Filer Status Check →
Check your 13-digit CNIC on Active Taxpayer List (ATL) instantly.
Corporate SetupSECP Company Registration →
Register your Pvt Ltd company or sole proprietorship online.
Cyber Fraud SafetyHow to Spot Fake Loan Scams →
Identify phishing loan websites, fake WhatsApp agents, and fraudulent tokens.
Frequently Asked Questions: Asaan Karobar Card Punjab 2026
Verified answers on FBR filer compliance, application fee, cash withdrawal limits, and fraud protection
Yes. Bank of Punjab and the Government of Punjab require applicants to be active tax filers on FBR's Active Taxpayer List (ATL) with a registered NTN. For established traders, this is verified before facility approval. For new startups, Bank of Punjab provides a conditional approval subject to formal tax registration within an initial 6-month period. Unregistered non-filers will face application rejection or subsequent card cancellation.