Asaan Karobar Card via Online Portal AKC 2026
The Asaan Karobar Card (AKC) 2026 is a major initiative launched by the Government of Punjab to support small business owners and entrepreneurs. This scheme provides interest-free loans of up to PKR 1 million, allowing businesses to expand without the burden of high bank interest rates. The program is designed especially for shopkeepers, traders, and small entrepreneurs who need quick and affordable financial support.
In 2026, the Asaan Karobar Card application process has been fully digitized. Eligible applicants can now apply through an online portal, reducing paperwork and saving time. However, many applicants face delays due to small mistakes. This guide explains the application process, eligibility criteria, key features, and important tips to help you receive your AKC smoothly.
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What Is the Asaan Karobar Card?
The Asaan Karobar Card is an interest-free business loan scheme offered through the Bank of Punjab. It aims to promote entrepreneurship and strengthen small businesses across Punjab. The loan comes with a three-year repayment period and a three-month grace period, allowing business owners to stabilize operations before starting repayments.
Unlike traditional bank loans, AKC has simple requirements and flexible usage options. Funds can be used for business expansion, purchasing inventory, paying utility bills, and limited cash withdrawals.
Key objectives of the Asaan Karobar Card include:
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Supporting small businesses with interest-free financing
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Encouraging economic growth and self-employment in Punjab
Eligibility Criteria for Asaan Karobar Card 2026
Applicants must:
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Be between 21 and 57 years of age
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Be a permanent resident of Punjab
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Own or operate a small business in Punjab
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Have a valid CNIC and mobile number registered in their name
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Have no active loan defaults or overdue payments
Meeting these requirements increases the chances of fast approval and smooth processing.
Step-by-Step Guide to Apply via Online Portal
The AKC online application process is simple if completed carefully. Applicants should ensure all information is correct before submission.
First, visit the official online portal managed by the Punjab Information Technology Board and create an account. Log in using your CNIC and mobile number.
Next, fill out the application form by entering personal and business details accurately. Applicants are advised to select Matric qualification, as it requires no additional verification and speeds up processing.
After completing the form, pay the non-refundable application fee of PKR 500 using EasyPaisa, JazzCash, or bank transfer. Then, download the Guarantee Form from the portal and submit it to the nearest Bank of Punjab (BOP) branch.
Once verification is complete, the application is approved, and the card is printed and dispatched through TCS. Applicants receive an SMS notification and can collect the card from the nearest TCS office using their original CNIC.
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Features of Asaan Karobar Card AKC 2026
The Asaan Karobar Card offers several attractive features that make it ideal for small business owners.
| Feature | Details |
|---|---|
| Loan Limit | Up to PKR 1,000,000 |
| Interest Rate | 0% (Interest-Free) |
| Repayment Period | 3 Years |
| Grace Period | 3 Months |
| Installments | 24 Equal Monthly Payments |
| Usage | Business expenses and limited cash withdrawal |
| Annual Fee | PKR 25,000 + FED |
Common Mistakes to Avoid
Many applicants experience delays due to avoidable errors. To receive your AKC quickly, avoid the following:
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Entering incorrect CNIC or mobile number details
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Delaying submission of the Guarantee Form to BOP
Careful attention to these points can significantly reduce processing time.
Tracking Your AKC Application Status
Applicants can track their Asaan Karobar Card application using multiple methods. The online portal allows status checking through CNIC. Applicants may also contact Bank of Punjab customer support or visit a BOP branch if delays occur.
Conclusion
The Asaan Karobar Card AKC 2026 is a powerful initiative that supports small businesses by offering interest-free financial assistance. With a simple online application process and flexible repayment terms, it removes major barriers faced by entrepreneurs in Punjab. By meeting eligibility requirements, providing accurate information, and completing all steps on time, applicants can receive their card without delay. Overall, AKC strengthens small enterprises, encourages self-employment, and plays an important role in promoting sustainable economic growth across the province.
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FAQs
1. What is the maximum loan amount under the Asaan Karobar Card?
The maximum interest-free loan amount is PKR 1 million.
2. How long does it take to receive the AKC after approval?
If all documents are complete, the card is usually issued within 7 working days.
3. Can the AKC loan be used for personal expenses?
No, the loan is meant strictly for business-related expenses, with limited cash withdrawal allowed.