The Punjab government, under the leadership of Chief Minister Maryam Nawaz Sharif, has introduced the Maryam Nawaz Business Loan Scheme 2025 to support entrepreneurs and small business owners. This initiative offers interest-free loans of up to Rs 30 million, enabling the business community in Punjab to expand and strengthen their enterprises.
In this article, we will provide detailed information on the loan amount, eligibility criteria, registration process, and necessary documents required to apply for the Maryam Nawaz Loan Scheme.
Types of Loans Under Maryam Nawaz Business Loan Scheme
The Punjab government has introduced two types of business loans under this scheme:
- Asaan Karobar Card Loan – Loan of up to Rs 1 million
- Asaan Karobar Finance Scheme – Loan of up to Rs 30 million
These loans are completely interest-free, meaning the government will not charge any interest from the applicants.
Eligibility Criteria for Maryam Nawaz Loan Scheme 2025
To apply for the Maryam Nawaz Business Loan Scheme, applicants must meet the following conditions:
- ✔️ Must be a permanent resident of Punjab
- ✔️ Must have a valid Pakistani National Identity Card (CNIC)
- ✔️ Should be a tax filer registered with the Federal Board of Revenue (FBR)
- ✔️ Business must be owned or legally rented
- ✔️ Must not have taken any previous government or private business loans
Ensuring these eligibility criteria are met is essential for successfully applying for the loan.
Loan Amounts and Categories
The Maryam Nawaz Business Loan Scheme 2025 offers different loan amounts depending on the category of financing:
✅ Asaan Karobar Card Loan – Maximum loan Rs 1 million
✅ Asaan Karobar Finance Scheme
- Tier 1 Loan – Up to Rs 5 million
- Tier 2 Loan – Up to Rs 30 million
These loans aim to support small to large-scale businesses in Punjab.
Grace Period for Loan Repayment
The scheme also provides a grace period, allowing businesses time to stabilize before they start repaying the loan:
- Asaan Karobar Card Loan – 3 months grace period
- Asaan Karobar Finance Scheme Tier 1 & Tier 2 – 6 months grace period
- For Business Expansion Loans – 3 months grace period
This grace period ensures businesses do not face immediate financial pressure.
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Processing Fee for Maryam Nawaz Loan Scheme
To apply for the Maryam Nawaz Business Loan Scheme, applicants must pay a nominal processing fee based on the loan type:
- 💰 Asaan Karobar Card Loan: Rs 500
- 💰 Asaan Karobar Finance Scheme (Tier 1): Rs 5,000
- 💰 Asaan Karobar Finance Scheme (Tier 2): Rs 10,000
These processing fees ensure that only serious applicants apply for the scheme.
How to Apply for Maryam Nawaz Loan Scheme 2025?
Step-by-Step Online Registration Process
Follow these simple steps to apply online for the Maryam Nawaz Business Loan Scheme:
Step 1: Visit the Official Website
🔹 Go to akc.punjab.gov.pk for the Asaan Karobar Card Scheme
🔹 Visit akf.punjab.gov.pk for the Asaan Karobar Finance Scheme
Step 2: Create Your Account
- ✅ Enter your CNIC, Mobile Number, Email, Name, and Password to create an account.
Step 3: Log in to Your Account
- ✅ Use your CNIC and Password to log in.
Step 4: Fill Out the Application Form
- ✅ Provide personal details (Name, Father’s Name, CNIC, Address)
- ✅ Enter business details (Type of Business, Monthly Income, Number of Employees)
Step 5: Upload Required Documents
- ✅ CNIC Copy
- ✅ Bank Account Statement
- ✅ Business Ownership or Rent Agreement
Step 6: Submit the Application
- ✅ Double-check your details and submit the form for processing.
Once submitted, the application will be reviewed, and eligible applicants will be contacted for further processing.
Final Words on Maryam Nawaz Business Loan Scheme 2025
The Maryam Nawaz Business Loan Scheme 2025 is a golden opportunity for small and large business owners in Punjab to expand and stabilize their businesses without financial burden. Since the loans are interest-free, they provide a great advantage for those looking to start new businesses or grow existing ones.
If you meet the eligibility criteria, don’t miss this chance to apply and take your business to new heights with government support.
Frequently Asked Questions (FAQs)
1. Is the Maryam Nawaz Loan Scheme available in all provinces?
No, this scheme is specifically for residents of Punjab.
2. Can I apply if I already have a business loan from a private bank?
No, applicants must not have taken a loan from any private or government institution before applying.
3. How long does it take to process my application?
Application processing may take a few weeks, depending on verification and approval procedures.
4. Is there any collateral required for the loan?
No, this is an interest-free loan with no collateral required.
5. What happens if I fail to repay the loan?
Failure to repay the loan may result in legal action and disqualification from future government schemes.
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