Maryam Nawaz Loan Scheme 2026

The Punjab government’s CM Punjab Asaan Karobar Finance Scheme and CM Punjab Asaan Karobar Card are sometimes referred to as the Maryam Nawaz Loan Scheme 2026. These initiatives are intended to give qualified small and medium-sized business owners in Punjab interest-free finance.

The programs can help people who wish to buy equipment, manage working capital, launch a new company, grow an existing one, or enhance their business operations. The Bank of Punjab and the Punjab Small Industries Corporation (PSIC) carry out the initiatives.

Before submitting an application, candidates should carefully review the most recent qualifying conditions via the official websites.

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What Is the Maryam Nawaz Loan Scheme?

The Maryam Nawaz Loan Scheme is not a single loan product. It generally refers to two separate government-backed financing programs:

1. CM Punjab Asaan Karobar Card
2. CM Punjab Asaan Karobar Finance Loan Scheme

Both programs provide financing at a 0% borrower markup, with the Government of Punjab subsidizing the applicable financing cost. However, their loan sizes, eligibility conditions, and usage methods are different.

The Asaan Karobar Card is intended mainly for smaller entrepreneurs, while the Asaan Karobar Finance Scheme provides larger financing for eligible SMEs.

Asaan Karobar Card 2026

For current and potential small business owners in Punjab, the Asaan Karobar Card is a digital SME financing option. PSIC claims that it uses a digital card-based method to offer a clean, interest-free loan of up to Rs. 1 million.

There is a three-month grace period during the three-year duration of the Loan Scheme. Repayment is done in 33 monthly payments following the grace period.

The funds are designed to be utilized through digital channels like the mobile application and point-of-sale facilities, and they are meant for business-related costs.

The card has a processing charge of Rs. 500, according to official PSIC literature.

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Asaan Karobar Finance Scheme 2026

The CM Punjab Asaan Karobar Finance Scheme is designed for larger business financing. It can support new businesses as well as existing businesses requiring expansion, working capital, modernization, replacement, or certain commercial logistics requirements.

The financing is divided into two tiers:

• Tier 1: Rs. 1 million to Rs. 5 million, generally based on personal guarantees.
• Tier 2: More than Rs. 5 million up to Rs. 30 million, with secured financing requirements.

The official PSIC information states that borrower markup is 0%, while the government subsidizes the applicable financing cost.

Maryam Nawaz Loan Scheme Eligibility Criteria

The product you select will determine your eligibility. Official requirements for the Asaan Karobar Finance Scheme include being between the ages of 25 and 55 on the application date, having a valid CNIC and NTN, having a clean credit history or ECIB, and living in Punjab. Additionally, the company needs to be based in Punjab.

Applicants must own or rent a suitable company space under the required name in order to be eligible for working capital, growth, and BMR financing.

PSIC specifies that applicants must be between the ages of 21 and 57, reside in Punjab, have a valid CNIC, and have a mobile phone registered in their own name in order to be eligible for the Asaan Karobar Card. Subject to the scheme’s rules, both current and potential small business owners are eligible to apply.

Loan Scheme Details at a Glance

Feature	Asaan Karobar Card	Asaan Karobar Finance
Maximum financing	Up to Rs. 1 million	Up to Rs. 30 million
Age	21–57 years	25–55 years
Markup for borrower	0%	0%
Main target	Small entrepreneurs	Small and medium businesses
Tier	Single facility	Tier 1 and Tier 2
Repayment	33 monthly installments after the grace period	Equal monthly installments
Tenure	3 years	Up to 5 years
Processing fee	Rs. 500	Rs. 5,000 Tier 1 / Rs. 10,000 Tier 2
Business location	Punjab	Punjab
CNIC	Required	Required
NTN	—	Required

Official scheme information confirms that Finance Scheme Tier 1 carries a Rs. 5,000 processing fee and Tier 2 carries a Rs. 10,000 processing fee.

How to Apply Online

Applicants should apply directly through the relevant official government portal and avoid agents.

For the Asaan Karobar Finance Scheme, the official Bank of Punjab page provides the application link to akf.punjab.gov.pk.

The general process is:

1. Select the appropriate financing loan scheme.
2. Open the official application portal.
3. Register using your required personal information.
4. Enter your CNIC and mobile details.
5. Provide your business information.
6. Enter your NTN and other required financial information.
7. Upload the requested documents.
8. Review your application carefully.
9. Pay the applicable official processing fee where required.
10. Submit the application for assessment.

Applicants should provide accurate information because the bank conducts eligibility and credit assessment before financing is approved.

Repayment and Business Requirements

For a maximum of five years, the Asaan Karobar Finance Loan Scheme offers repayment in equal monthly payments. Depending on the circumstances, new businesses may be granted a grace period of up to six months, while existing firms may be granted a grace period of up to three months.

Security is necessary for Tier 2 funding. Residential, commercial, or industrial property, as well as any other type of security that complies with Bank of Punjab regulation, are examples of acceptable security.

As a result, applicants shouldn’t assume that all of the scheme’s loans are totally unsecured.

Important Points Before Applying

The funding is a loan rather than a grant or free money. The permitted amount must be repaid in accordance with the predetermined timetable even when the borrower markup is zero percent.

Because government programs are subject to change, applicants should also review the most recent official terms before submitting an application.

Never provide unauthorized agents with your CNIC, OTP, financial information, or application details. For the application and assistance, use the Bank of Punjab or the appropriate government channels.

Final Checklist

Before submitting your application, make sure your CNIC is valid, your mobile number meets the scheme requirements, your business information is accurate, and your NTN and credit record meet the applicable conditions.

For the Finance Scheme, also prepare information about your business premises, financial position, and proposed use of funds.

Conclusion

For business purposes, qualifying Punjabi entrepreneurs can obtain interest-free borrower financing through the Maryam Nawaz Loan Scheme 2026, which covers the Asaan Karobar Card and Asaan Karobar Loan Scheme. While the Finance Loan Scheme may give up to Rs. 30 million through several tiers, the Card only offers financing up to Rs. 1 million. Each product has different requirements for eligibility, security, fees, and terms of payback. Candidates should be aware that funds must be returned, utilize proper portals, and give truthful information. Avoiding delays and errors can be achieved by reviewing the most recent official requirements before to applying.

FAQs

1. What is the Maryam Nawaz Loan Scheme 2026?

It is a commonly used name for Punjab’s Asaan Karobar Card and Asaan Karobar Finance Scheme, which provide interest-free borrower financing to eligible entrepreneurs and businesses.

2. How much loan can I get through the Asaan Karobar Card?

The official PSIC information states that the Asaan Karobar Card provides financing of up to Rs. 1 million to eligible small entrepreneurs.

3. What is the maximum Asaan Karobar Finance loan?

The Asaan Karobar Finance Scheme provides up to Rs. 30 million. Tier 1 ranges from Rs. 1 million to Rs. 5 million, while Tier 2 goes above Rs. 5 million up to Rs. 30 million.

4. Is the Maryam Nawaz loan completely interest-free?

The official scheme information lists the borrower markup rate as 0%, with the Government of Punjab subsidizing the applicable financing cost. However, processing, documentation, insurance, or other applicable charges may still apply depending on the product and loan type.

5. Where can I apply for the Asaan Karobar Finance Scheme?

The official Bank of Punjab information directs applicants to the Asaan Karobar Finance portal at akf.punjab.gov.pk. Applicants should avoid unofficial websites or agents claiming to guarantee approval.