Asaan Karobar Card Scheme Phase 2 Online Registration and Loan Details in September 2025
Asaan Karobar Card Phase 2 Update 2025
The Asaan Karobar Card Scheme Phase 2 has been launched to support small businesses in Punjab by offering interest-free loans up to PKR 1 million. The scheme uses digital channels like apps and POS systems to ensure safe, transparent fund usage. Entrepreneurs can pay vendors, utilities, taxes, and even withdraw limited cash for business needs.
This card comes with flexible repayment options. Borrowers get a 3-month grace period, revolving credit for 12 months, and a 2-year repayment plan. Half the limit is unlocked at the start, while the rest is given after successful repayment and business registration with PRA or FBR. With 0% interest and digital verification, the scheme makes business growth easier, fair, and transparent for entrepreneurs.
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Eligibility Criteria for Asaan Karobar Card Phase 2 Registration
The Asaan Karobar Card Phase 2 is open for small entrepreneurs in Punjab aged 21 to 57 years with a valid CNIC and mobile number. Applicants must have a clean credit history, live in Punjab, and own or plan a business in the province. Know that only one application per person or business is allowed.
Eligibility Criteria:
- Age limit: 21 to 57 years
- Must be a Pakistani resident of Punjab
- Valid CNIC with registered mobile number
- Clean credit history
- Satisfactory credit or psychometric test
- Existing or new business in Punjab
- Only one application per person or business
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Required Documents for Online Application
Applicants need to upload simple and verified documents during online registration for the Asaan Karobar Card. These include personal, financial, and business details for smooth verification. The process ensures transparency and prevents misuse of funds.
Required Documents:
- Valid CNIC copy
- Recent passport-size photo
- Registered mobile number
- Business registration papers
- Proof of business premises
- Income or expense details
- Bank account details
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Step-by-Step Guide to Apply Online in September 2025
The online application is fully digital through the PITB portal for the Asaan Karobar Card. A small fee is charged, and verification is completed online before approval. The process is fast and transparent.
Steps to Apply:
- Visit official PITB portal
- Sign up with CNIC with mobile number
- Fill in personal and business info
- Upload required documents
- Pay PKR 500 processing fee
- Wait for verification call or visit
- Get confirmation SMS or email
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Loan Details – Interest-Free Loan Limit and Repayment Plan
The scheme offers up to PKR 1 million interest-free credit. The loan is revolving for 12 months, with 3 months grace period, and repayment in equal installments over 2 years.
Loan Details:
- Loan limit: up to PKR 1 million
- Grace period: 3 months
- 12-month revolving credit facility
- Repayment in 24 equal installments
- Cash withdrawal up to 25% allowed
- Funds restricted to business use only
- No interest charges
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How to Check Your Application Status Online?
Applicants can track their case online after submitting their application. Updates are provided through SMS, email, or by logging into the portal.
- Visit PITB portal dashboard
- Log in with CNIC with password
- Check “Application Status” tab
- Updates sent via SMS or email
- Verify documents if required
- Follow up on pending cases
- Approval or rejection notified online
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Benefits of the Asaan Karobar Card Scheme for Small Businesses
This scheme helps entrepreneurs grow their businesses without financial stress. It promotes digital payments, fair transactions, and economic growth.
- Access to interest-free loans
- Easy repayments with grace period
- Digital and transparent fund usage
- Vendor and utility payments covered
- Encourages PRA or FBR registration
- Boosts entrepreneurship in Punjab
- Supports both new and small businesses
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Frequently Asked Questions
What is the Asaan Karobar Card Scheme?
An interest-free loan scheme for small businesses in Punjab.
Who can apply?
Punjab residents aged 21 to 57 with a valid CNIC and business.
How much loan is offered?
Up to PKR 1 million interest-free.
What is the grace period?
3 months before repayments start.
How to apply?
Apply online via the official PITB portal.
Can cash be withdrawn?
Yes, up to 25% of the loan.
How to check application status?
Track status on the PITB portal or via SMS or email.
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Conclusion
The Asaan Karobar Card Scheme Phase 2 is a major step towards empowering small businesses in Punjab by providing interest-free loans with flexible repayment options. With digital verification, transparent usage, and structured repayment, the scheme not only reduces financial stress but also promotes business growth, tax registration, and economic development.
By offering credit of up to PKR 1 million, it ensures that small businesses can expand sustainably while contributing to Punjab’s digital and entrepreneurial ecosystem.
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