The CM Punjab Loan Scheme 2026 consists of several targeted sub-schemes tailored for different business sizes and needs. These programs are primarily interest-free, with the Punjab government subsidizing the markup to promote self-employment and SME growth.
The two main pillars of the 2026 business loan initiative are Asaan Karobar Finance (AKF) and the Asaan Karobar Card (AKC).
Asaan Karobar Finance (AKF) – Up to Rs. 30 Million
This scheme is designed for established small and medium enterprises (SMEs) as well as ambitious startups.
| Feature | Tier 1 (Small Business) | Tier 2 (SME) |
| Loan Amount | Rs. 1 Million – 5 Million | Rs. 6 Million – 30 Million |
| Security | Personal Guarantees only | Collateral (Property/Assets) |
| Interest Rate | 0% (Interest-free) | 0% (Interest-free) |
| Grace Period | Up to 6 months | Up to 6 months |
| Repayment | Up to 5 years | Up to 5 years |
- Online Apply: akf.punjab.gov.pk
- Eligibility: Age 25–55, Active FBR Tax Filer, Clean Credit (e-CIB) history, and business location in Punjab.
Asaan Karobar Card (AKC) – Up to Rs. 1 Million
The “Asaan Karobar Card” is specifically for micro-entrepreneurs and shopkeepers who need working capital or small expansion funds.
- Loan Limit: Up to Rs. 1,000,000.
- Mode: Funds are accessed via a digital SME card for purchases or cash withdrawals.
- Repayment: 3-year term.
- Online Apply: akc.punjab.gov.pk
Apni Chhat Apna Ghar (Housing Loan) – Rs. 1.5 Million
While technically a housing scheme, many self-employed individuals use this interest-free loan to build their own space.
- Amount: Rs. 1,500,000.
- Repayment: 7 years (monthly installment approx. Rs. 14,000).
- Apply at: acag.punjab.gov.pk
How to Apply (Step-by-Step Guide)
- PSER Registration: Most 2026 schemes require you to be in the Punjab Socio-Economic Registry. Register at pser.punjab.gov.pk first.
- Portal Login: Visit the specific link (AKF or AKC) and create an account using your CNIC.
- Submit Business Plan: You will need to provide a basic description of your business or the machinery you intend to buy.
- Processing Fee: For AKF, a non-refundable fee (Rs. 5,000 for Tier 1, Rs. 10,000 for Tier 2) must be paid via ePay Punjab.
- Bank Verification: Once the online application is submitted, the Bank of Punjab (BOP) will contact you for a physical interview and document verification.
Required Documents Checklist
- [ ] Valid CNIC of the applicant.
- [ ] Passport-size photographs (blue background).
- [ ] NTN Certificate (Mandatory for business loans).
- [ ] Proof of Business Premises (Rent agreement or ownership papers).
- [ ] 6-month Bank Statement (for existing businesses).
- [ ] Last 3 months’ Utility Bills (Electricity/Gas).
Pro-Tip: If you are a woman, transgender, or differently-abled person, the equity requirement is reduced to only 10% (compared to 20% for others) in Tier-2 loans.