The Asaan Karobar Card is a special financial assistance program launched by the Government of Punjab to support small business owners and budding entrepreneurs. Through this scheme, individuals can access interest-free loans of up to PKR 1,000,000, with a repayment plan designed to be simple and stress-free. The best part? It’s tailor-made for those looking to start or grow a business without dealing with heavy bank interest or complicated loan procedures.
Who Can Benefit from the Asaan Karobar Loan?
This loan isn’t for shopping or vacations—it’s strictly for business. If you’re a small shopkeeper, a service provider, or an entrepreneur wanting to expand, this card is your ticket. The money can be used to buy inventory, pay utility bills, or handle other business-related expenses. But remember, using it for personal use can get your card blocked.
How Much Loan Can You Get?
You can receive a maximum of PKR 1,000,000 (10 lakh). However, many applicants have successfully received smaller amounts like PKR 300,000 or PKR 500,000 based on their business profile and eligibility. No matter the amount, the rule remains the same: it’s interest-free and must be repaid within three years.
Here’s a quick breakdown:
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PKR 300,000 = Small startup capital.
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PKR 500,000 = Medium-scale business growth.
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PKR 1,000,000 = Full-fledged business operations.
How Does the Installment Plan Work?
The Asaan Karobar Card offers a very user-friendly repayment structure. There’s a 3-month grace period at the start—meaning no payments for the first three months. After that, monthly installments begin.
Here’s how the repayment goes:
Year 1:
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You only pay 5% of your total loan amount every month.
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For example:
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If you received PKR 200,000, then your monthly installment = PKR 10,000
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For PKR 500,000, it would be PKR 25,000/month
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Year 2 & 3:
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The remaining loan amount is divided into 24 monthly installments over the next two years.
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A detailed schedule is provided so you can track your payments easily.
This phased approach helps reduce financial pressure and gives your business time to start earning before repayments begin.
Where and How to Use the Loan Amount?
The loan amount must be used wisely and within official guidelines. Here’s how to spend it:
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Pay suppliers or vendors for stock or services.
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Pay utility bills like electricity and gas for your shop or workspace.
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Settle government dues, like taxes or licensing fees.
Transactions must be made using:
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The Asaan Karobar Card via POS (Point of Sale) terminals.
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The official mobile app linked with the card.
Important Rule: You can only withdraw 25% of the total loan amount in cash. The rest must be spent digitally through the card. For example, if your loan is PKR 1,000,000, only PKR 250,000 can be withdrawn in cash.
Also Read: Check Your BISP 8171 Status Easily – June 2025 Update
Conditions for Continued Loan Use
To continue using the loan or to get access to the second half of the approved amount, you must:
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Use at least 50% of the loan in the first six months.
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Make all your monthly payments on time.
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Register your business with FBR and PRA.
Failure to meet any of these requirements may result in the suspension or cancellation of your remaining loan.
Misuse Warning
If you attempt to use the loan for personal expenses or outside approved business categories, your transaction will be blocked. Worse, your card could be permanently disabled, and you may be barred from future government loan programs. So, stick to the rules.
What Happens After One Year?
If you complete the first year successfully, including all repayments, you may become eligible for revolving credit. That means you could apply again under the same scheme and get another interest-free loan—giving your business even more room to grow.
Final Thoughts: Why This Scheme Is a Game-Changer
The Asaan Karobar Card isn’t just another government loan. It’s a well-thought-out support system for Pakistan’s hardworking small business community. With clear rules, easy repayments, and full transparency, it helps you take control of your business future—without drowning in debt.
Whether you’re starting from scratch or looking to scale up, this is a golden opportunity. Use the funds responsibly, follow the rules, and you could be on your way to long-term success.
Don’t wait—turn your business dream into reality with the Asaan Karobar Card today!