How to Apply for Asaan Karobar Card: Eligibility & Process Explained

Want to start or grow your business in Punjab? The Asaan Karobar Card is here to help. It’s like a magic card—gives you money for your business, no interest! Here’s everything you need to know, step by step, in super simple language.

It’s a special government loan card. You get money for your business. No interest. You pay back only what you borrow. It’s for small business owners and new entrepreneurs in Punjab.

Who Needs it?

Why’s it popular?

Because it’s easy and fast, and you don’t pay extra. Over 80,000 people already got it!

You must check if you fit the rules. Here they are:

Tip: If you’re a woman, transgender, or differently abled, you get extra help.

Gather these before you start:

Double-check everything. Wrong info means delay or rejection.

Let’s break it down. It’s easy—just follow these steps:

Go to the Official Website

• Visit akc.punjab.gov.pk
• Click “Register” or “Apply.”

Fill Your Details

• Name, father’s name, CNIC, date of birth
• Mobile number and network
• Set a password

Add Business Info

• Business name, address, and type
• Income, expenses, and loan amount needed

Upload Documents

• CNIC, business proof, bank statement if needed

Pay the Fee

• Pay Rs. 500 online (non-refundable)

Submit and Wait

• Check your details
• Click submit
• You’ll get a message on your phone

Verification

• The bank will call you
• They’ll check your info

Get Your Card

• If approved, you get an ATM card
• Use it for business expenses

Tip: Keep your phone on after applying. The bank will call in 2-4 weeks.

You can check your status online; no need to visit any office:

1. Go to akc.punjab.gov.pk
2. Log in with your CNIC and password
3. Click “Application Status.”
4. See if it’s under review, approved, or rejected

If you see an error, don’t panic. Most errors can be fixed—just update your info and try again.

Here’s a quick table to help you avoid problems:

Error Type	Reason	How to Fix
Invalid CNIC or Mobile	Not registered or mismatched	Update your CNIC or mobile number
Age Not Eligible	Under 21 or over 57	Only apply if within age limit
Business Outside Punjab	Business not in Punjab	Change business address
Poor Credit History	Unpaid loans or defaults	Clear dues before applying
Psychometric Test Failed	Low test score	Prepare for the test
Duplicate Application	Applied more than once	Wait for rejection before reapplying
Application Rejected	Wrong documents or info	Fix errors and reapply

Tip: If you get stuck, call the helpline at 1786. They help a lot!

You can use the money for:

But remember: only use it for your business, not personal stuff.

How to Repay the Loan

Tip: Always pay on time. Late payment means extra charges.

You might have heard about other schemes like Kisan Card, Qarz-e-Hasna, or Apna Karobar.

Here’s how they compare:

Scheme	Who Can Apply	Purpose	Loan Amount	Interest Rate
Asaan Karobar Card	Small business owners	Business loan	Up to Rs. 1 million	0%
Kisan Card	Farmers	Farming support	Varies	0% or low
Qarz-e-Hasna	Low-income families	Personal loan	Small amounts	0%
Apna Karobar Scheme	Small businesses	Business loan	Varies	0% or low

Tip: Always check which scheme fits your needs.

Since you asked, here’s a quick guide:

Tip: Kisan Card is for farmers, not for all businesses.

If you need a personal loan, try Qarz-e-Hasna:

1. Check eligibility (low income, clean record)
2. Visit the local Ehsaas center
3. Fill out the form
4. Wait for home verification
5. Get the loan if approved

Tip: This is for people who really need money, not for business.

This is not related to Punjab, but since you asked:

Tip: Thayi Card is for pregnant women in Karnataka, not for business loans.

Not related to business loans, but here’s a quick tip:

Tip: Be honest and clear.

This is for other countries, but if you ever need it:

Again, not for Punjab, but:

Tip: Always use the official website.

The Asan Karobar Portal is the official website for the Asaan Karobar Card. You apply, check status, and get help here.

Both help small businesses. But the Asaan Karobar Card is only for Punjab. Apna Karobar is for other areas or different banks.

Last month, my friend Ali applied for the Asaan Karobar Card. He was nervous, but he followed the steps. He kept his phone on, uploaded clear documents, and got approved in 3 weeks. Now his shop is doing great!

Tip: Don’t be afraid to ask for help if you’re stuck.

It’s not just about money. It’s about hope. Thousands of people are starting or growing their businesses because of this card. The government is really helping small business owners.

Tip: If you’re eligible, don’t wait. Apply today!

Don’t worry. Most errors can be fixed. Just check what went wrong, update your information, and apply again. The helpline is always there to help.

The Asaan Karobar Card is a golden chance for small business owners in Punjab. It’s easy to apply, there’s no interest, and you get money fast. Follow the steps, avoid mistakes, and you’ll be on your way to business success. Don’t wait—apply today and see your business grow!