CM Punjab Asaan Karobar Finance: interest-free business loans of PKR 1–30 million
وزیراعلیٰ پنجاب آسان کاروبار فنانس: 10 لاکھ سے 3 کروڑ روپے تک بلا سود کاروباری قرض
Applications openOnline applications open on akf.punjab.gov.pk (Finance and Exports); no closing date shown(checked 2026-10-03)
CM Punjab Asaan Karobar Finance gives small and medium enterprises in Punjab interest-free (0% end-user rate) loans from PKR 1 million to PKR 30 million for up to 5 years, for new businesses, expansion, working capital, commercial vehicle leasing and climate-friendly technology. An export/SME tier goes up to PKR 50 million. You apply online at akf.punjab.gov.pk and pay a non-refundable processing fee.
وزیراعلیٰ پنجاب آسان کاروبار فنانس کے تحت پنجاب کے چھوٹے اور درمیانے کاروباروں کو نئے کاروبار، توسیع، ورکنگ کیپیٹل، کمرشل گاڑیوں کی لیزنگ اور ماحول دوست ٹیکنالوجی کے لیے 10 لاکھ سے 3 کروڑ روپے تک 5 سال کے لیے بلا سود (صفر فیصد) قرض دیا جاتا ہے۔ ایکسپورٹ/ایس ایم ای ٹائر میں 5 کروڑ روپے تک قرض ہے۔ درخواست akf.punjab.gov.pk پر آن لائن دی جاتی ہے اور ناقابل واپسی پراسیسنگ فیس ادا کرنا ہوتی ہے۔
- Fee
- Rs 5,000 – Rs 10,000
- Offices
- 12 listed
Who can apply
- Small enterprises with annual sales up to PKR 150M, or medium enterprises with annual sales above PKR 150M up to PKR 800M
- Age 25–55 years
- Active FBR tax filer with a clean credit history
- Residence and business located in Punjab
- Valid CNIC and NTN
- Must own or have rented the place of the existing business
Documents you need
Steps
- 1Open akf.punjab.gov.pk and choose 'Apply For Asaan Karobar Finance' (or the Exports option).akf.punjab.gov.pk کھولیں اور 'Apply For Asaan Karobar Finance' (یا ایکسپورٹ کا آپشن) منتخب کریں۔
- 2Read the instructions, acknowledge the Politically Exposed Persons declaration and sign up with a mobile number registered in your name.ہدایات پڑھیں، پولیٹیکلی ایکسپوزڈ پرسنز کا اقرار نامہ تسلیم کریں اور اپنے نام پر رجسٹرڈ موبائل نمبر سے سائن اپ کریں۔
- 3Fill the application (at least 15 minutes; you can save a draft) and upload your documents.درخواست فارم پُر کریں (کم از کم 15 منٹ لگیں گے؛ ڈرافٹ محفوظ کیا جا سکتا ہے) اور دستاویزات اپ لوڈ کریں۔
- 4Submit the form; a PSID appears on screen. Pay the processing fee: PKR 5,000 for Tier 1 or PKR 10,000 for Tier 2 (non-refundable).فارم جمع کروائیں؛ اسکرین پر پی ایس آئی ڈی ظاہر ہوگا۔ پراسیسنگ فیس ادا کریں: ٹائر 1 کے لیے 5,000 روپے یا ٹائر 2 کے لیے 10,000 روپے (ناقابل واپسی)۔
- 5Processing starts after the complete form and fee are received. Track progress through SMS updates or by logging in on the website.مکمل فارم اور فیس ملنے کے بعد کارروائی شروع ہوتی ہے۔ ایس ایم ایس یا ویب سائٹ پر لاگ ان کر کے صورتحال دیکھیں۔
Fees
Good to know
- • Status (checked 2026-10-03): akf.punjab.gov.pk shows active 'Apply For Asaan Karobar Finance' and 'Apply For Asaan Karobar Finance Exports' buttons leading to the application instructions; no closing date is shown.
- • Tiers: T1 PKR 1M–5M, personal guarantee; T2 PKR 6M–30M, secured; Export/SME up to 50M, secured. All up to 5 years at 0% end-user rate.
- • Grace period: up to 6 months for start-ups/new businesses and up to 3 months for existing businesses. Repayment in equal monthly instalments.
- • Equity contribution: 0% for T1 other than leased commercial vehicles; leased vehicles 25%; 20% for other loans under T2; 10% for females, transgender and differently-abled persons.
- • Late charges: PKR 1 per 1,000 per day on overdue amounts. Handling fee: nil for setting up a new business, 3% p.a. for existing businesses, nil for climate-friendly businesses (T2 only). Insurance, legal and registration charges apply at actual cost.
- • No security is required for logistics (commercial vehicle leasing).
Where to go
- Regional Tax Office, Rawalpindi
12 Mayo Road, Rawalpindi
- Large Taxpayers' Office, Lahore
10-Babar Block,New Garden Town Main Boulevard,Lahore
- Corporate Tax Office, Lahore
Tax House Nabha Road, Lahore
- Regional Tax Office, Lahore
Tax House, Nabha Road, Lahore
- Large Taxpayers' Office, Multan
6th Floor, Mall of Cantt Opposite Khawar Center, SP Chowk, Multan
- Regional Tax Office, Multan
LMQ Road, Nawan Shehr, Multan
- Regional Tax Office, Gujranwala
G-T Road, Gujranwala
- Regional Tax Office, Faisalabad
Opposite Allied Hospital, Jail Road, Faisalabad
- Regional Tax Office, Sialkot
Kutchery Road, Sialkot
- Regional Tax Office, Bahawalpur
21-A, Sarwar Shaheed Road, Model Town-A, Bahawalpur
- Regional Tax Office, Sargodha
Shahi Palace, Chatha Town, Lahore Road, Sargodha
- Regional Tax Office, Sahiwal
Canal Colony, Sahiwal
Questions people ask
›Do I have to be a tax filer?
Yes. You must be an active FBR tax filer with a clean credit history, and have a valid CNIC and NTN.
›Is the processing fee refundable?
No. The application fee (PKR 5,000 for Tier 1, PKR 10,000 for Tier 2) is non-refundable.
›Is there really no interest?
The end-user rate is 0%. Other charges listed on the portal (handling fee for existing businesses, insurance, legal, registration and late charges) may still apply.
Contact
- Helpline: 1786
- Website: akf.punjab.gov.pk