Asaan Karobar Card Phase 2 September 2025 Online Registration and Easy Loan Guide
Asaan Karobar Card Phase 2 September 2025 Update
The Punjab government has launched Asaan Karobar Card Phase 2 to support small entrepreneurs with interest-free loans up to PKR 1 million. This digital SME card helps businesses grow by ensuring transparent usage through mobile apps, POS machines, and online transactions. It aims to reduce financial stress and boost small business development across Punjab.
This scheme comes with flexible repayment options, a grace period of 3 months, and a 3-year loan tenure. Entrepreneurs can use the card for supplier payments, government fees, utility bills, and even limited cash withdrawals. With a 0% interest rate, the program ensures fair and easy access to capital for struggling and new business owners.
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Eligibility Criteria for Phase 2 Applicants
In Phase 2, the Asaan Karobar Card is for small business owners in Punjab. Applicants must be 21 and 57 years old, have a valid CNIC, and run or plan a business in Punjab. Only one application per person is allow, and the applicant must have a clean credit history with no overdue loans.
Eligibility Criteria:
- Age between 21 and 57 years
- Pakistani citizen with valid CNIC
- Must live in Punjab
- Existing or new business in Punjab
- One card per person or business
- Satisfactory credit check
- Must register with PRA or FBR after approval
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Documents Required for Online Registration
Applicants need to provide personal and business-related documents for verification. These include CNIC, mobile number, and business details. For financial proof, an income certificate or business registration is check. A bank account is also needed for repayment transactions.
Required Documents:
- Copy of valid CNIC
- Mobile number in applicant’s name
- Proof of business or startup plan
- Income certificate or tax details
- Bank account details
- Recent passport-size photo
- Domicile certificate
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Step-by-Step Guide to Apply Online in September 2025
The application process is fully digital. Applicants need to register at the official portal, upload documents, and pay a small processing fee. Verification is done online, followed by approval and card issuance.
Steps to apply:
- Visit PITB portal
- Click Apply Online
- Sign up with CNIC and mobile number
- Verify through OTP
- Fill form with business details
- Upload required documents
- Pay Rs. 500 fee and submit
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Loan Amounts and Repayment Options Under Phase 2
The scheme offers up to PKR 1 million loan limit with 0% interest. First 50% is available within 6 months, and the rest after regular repayments. Borrowers get a 3-month grace period, and repayments are made in 24 equal monthly installments.
- Loan limit up to PKR 1 million
- 0% interest rate
- First 50% loan usable in 6 months
- Remaining 50% after good repayment
- 3-month grace period
- 24 EMI repayments
- Cash withdrawal up to 25% limit
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How to Track Your Asaan Karobar Card Application Status
Applicants can track their status online using the tracking ID or CNIC. Updates are available on the dashboard after login. Status shows whether the application is under review, approved, or rejected.
- Visit PITB portal
- Click Login option
- Enter CNIC & password
- Open dashboard
- Check application updates
- Track with Tracking ID
- View approval or rejection status
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Benefits of Asaan Karobar Card for Small Business Owners
This scheme helps entrepreneurs by giving them interest-free loans with flexible repayment. It reduces financial burden and supports business growth. Funds can be used for supplier payments, utilities, and government fees.
Benefits of Card:
- Interest-free loans up to 1M
- Boosts small businesses in Punjab
- Digital and transparent usage
- Easy installment plan
- Covers utilities & supplier costs
- Improves income opportunities
- Supports startups & job creation
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Frequently Asked Questions
How much will be available under the Asaan Karobar Card Phase 2?
Eligible entrepreneurs will be provided with an interest-free loan of up to Rs 1 million.
Who can apply for this scheme?
Residents of Punjab, aged 21 to 57, who want to start a new business or are running an existing business.
What documents are required for registration?
Copy of CNIC, bank account, mobile number, proof of business or plan, income certificate and domicile are mandatory.
What will be the repayment method of the loan?
The loan will be repaid in easy installments of 24 months, while a grace period of 3 months will also be given.
Will there be any interest on this loan?
No, this loan is completely interest-free.
How can the status be checked after applying?
Applicants can check the status by logging into the PITB portal using their CNIC or Tracking ID.
What can the loan amount be used for?
This amount can be used to pay suppliers, utility bills, government fees and limited cash withdrawals.
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Conclusion
Asaan Karobar Card Phase 2, September 2025, is a great opportunity for small business owners in Punjab, through which they can obtain a loan of up to Rs 1 million without interest. This scheme aims to provide financial assistance to youth and small business owners so that they can repay the loan in easy installments and expand their businesses. With a modern digital system and transparency, this program will play a significant role in increasing employment opportunities and promoting business growth.
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