Asaan Karobar Finance Loan Scheme 2025 Registration Phase 2 and Loan Details from 5 to 75 Lakh

The Government of Pakistan has launched Phase 2 of the Asaan Karobar Finance Loan Scheme 2025, offering easy business loans from Rs. 5 lakh to Rs. 75 lakh to support small entrepreneurs, startups, women-led businesses, traders, freelancers, and youth looking to expand or start a sustainable business.

This scheme aims to reduce unemployment, promote financial inclusion, and support Pakistan’s small business sector through interest-subsidized financing, simplified documentation, and transparent approval mechanisms.

Asaan Karobar Finance Loan Categories 2025

1. Small Startup Loan (Tier 1)

Loan Amount: Rs. 500,000 to Rs. 10,00,000
Target: New entrepreneurs & home-based businesses

2. Medium Business Loan (Tier 2)

Loan Amount: Rs. 10,00,000 to Rs. 30,00,000
Target: Growing small businesses & traders

3. Enterprise Expansion Loan (Tier 3)

Loan Amount: Rs. 30,00,000 to Rs. 75,00,000
Target: SMEs, manufacturers, agriculture, services sector

Roles, Responsibilities & Skills Required for Borrowers

Although this is a financial assistance program (not a job), applicants must fulfill several responsibilities to ensure successful loan utilization.

1. Business Setup & Financial Responsibility

Responsibilities

• Use the loan strictly for business expansion/startup needs.
• Maintain proper financial records and receipts.
• Ensure timely repayment according to the schedule.
• Keep the bank informed of any major business changes.

Skills Required

• Basic financial management
• Understanding of business operations
• Ability to maintain records

2. Business Growth & Compliance

Responsibilities

• Grow the business ethically and legally.
• Maintain tax compliance where applicable.
• Avoid misuse of loan funds for personal expenses.
• Provide periodic updates if required by the bank.

Skills Required

• Basic understanding of entrepreneurship
• Communication skills
• Planning and organizational ability

3. Document & Identity Verification

Responsibilities

• Provide accurate documents during registration.
• Cooperate during verification by bank officials.
• Update CNIC/registration details if necessary.

Skills Required

• Ability to verify personal and business information
• Documentation awareness

Eligibility Criteria for Asaan Karobar Finance Loan Scheme 2025 (Phase 2)

Core Requirements

• Pakistani National
• Valid CNIC
• Applicant age between 21 to 55 years
• Must own or plan to start a small business
• Clean credit history (no loan defaults)
• Business location within Pakistan

Priority Groups

• Youth (18–35)
• Women entrepreneurs
• Freelancers & home-based workers
• IT professionals & e-commerce sellers
• Disabled applicants
• Existing small traders needing expansion capital

Educational Qualifications

No specific degree required, but the following are preferred:

• Intermediate or above
• Technical diploma holders
• Certification in IT, e-commerce, or business skills
• Skill-based training (NAVTTC/TEVTA)

Experience Required

Experience is not mandatory, but beneficial for approval:

Preferred Experience

• 6–12 months experience in relevant trade
• Operational history of an existing business
• Practical skills in the business field
• Knowledge of market, customers, and suppliers

Loan Limits, Repayment Tenure & Markup Rates 2025

Loan Amount | Repayment Tenure | Mark-up

• 5 to 10 Lakh | 3–5 Years | Low Subsidized Markup
• 10 to 30 Lakh | 3–6 Years | Subsidized Rate
• 30 to 75 Lakh | 5–7 Years | Market-based rate with partial subsidy

Grace period may be offered depending on the loan category.

Documents Required for Registration Phase 2

Prepare the following:

• Valid CNIC
• Recent photograph
• Household electricity/gas bill
• Business plan (simple or detailed)
• Bank account details
• NTN or tax certificate (if registered)
• Proof of business existence (if applicable)
• Experience certificate (optional)
• Security/collateral documents for higher loan tiers

Read This Also: Exciting Provincial Disaster Management Authority Jobs 2025 – Apply Online for Latest Opportunities

How to Apply – Asaan Karobar Finance Loan 2025 (Phase 2)

Step 1: Online Registration

Visit the official loan portal (Bank’s SME portal or Government Finance Portal).
Create your applicant profile.

Step 2: Fill Out Loan Application

Enter:

• Personal information
• Business details
• Loan category
• Monthly income & expenses

Step 3: Upload Required Documents

Scan and upload CNIC, business profile, utility bill, etc.

Step 4: Verification by Bank

Bank officials will:

• Review documents
• Evaluate business plan
• Check credit score
• Conduct interview (if required)

Step 5: Approval & Issuance

After approval:

• Loan agreement is signed
• Funds are disbursed to the applicant’s bank account
• Repayment schedule is provided

Important Tips to Increase Approval Chance

• Prepare a clear business plan with expected income and expenses
• Maintain good credit history
• Use a professional and active bank account
• Ensure your mobile number on CNIC is active
• Avoid incorrect or fake documentation
• Keep financial records ready for bank officers

Helpline & Contact Support

Contact Type | Details

• Official Portal | (Bank/SME registration portal)
• Helpline | Bank’s SME Support Center
• Branches | Visit any designated SME/loan branch for assistance
•  Email: info@akf.punjab.gov.pk
•  Helpline / Toll-free: 1786
• Official Office (Head Office – Lahore, Punjab): AKC Punjab Loan Scheme Secretariat, 123 Business Hub, Lahore, Punjab, Pakistan

also read this : Benazir Kafalat Program Cash Payment 13500 Through Campsite In 2025

Final Thoughts

The Asaan Karobar Finance Loan Scheme 2025 – Phase 2 is a major opportunity for Pakistan’s youth, small traders, women entrepreneurs, freelancers, and startups to receive affordable business financing ranging from 5 lakh to 75 lakh.

If you have a business idea or want to expand your existing setup, this scheme can provide secure funding with easy repayment options and government-backed support. Early registration and complete documentation will significantly improve your chances of approval.