Check AKC Punjab Status & Get Asaan Karobar ATM Card for Loan
The Punjab Government under Chief Minister Maryam Nawaz Sharif has launched the Asaan Karobar Card (AKC) Loan Scheme 2025 to support small business owners, self-employed individuals, and youth entrepreneurs. This interest-free loan scheme provides up to PKR 1,000,000 to eligible applicants, aiming to empower more than 500,000 people across the province.
Many applicants have already submitted their forms and are now eager to check their application status online. This guide explains how to check AKC Punjab status, how to receive your Asaan Karobar ATM card, and how to withdraw your loan safely.
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Purpose of the Asaan Karobar Card Loan Scheme
This scheme is designed to:
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Offer interest-free loans to small business owners and entrepreneurs
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Help youth, women, and self-employed workers expand their businesses
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Encourage new startups and local employment
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Promote financial inclusion by issuing an ATM-based card system
Through this initiative, the Punjab Government gives small businesses a chance to grow sustainably and become financially independent.
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How to Use the Asaan Karobar Portal
The Asaan Karobar online portal (asankarobar.punjab.gov.pk) is simple and transparent. It serves both new applicants and those who want to check their application status.
Main Features of the Portal
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Homepage Access: Visit the official website and click on the Asaan Karobar Card Scheme banner.
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Login or Register:
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New users: Click “Register” and enter CNIC, mobile number, and other details.
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Existing users: Click “Login” to access your dashboard.
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Dashboard Access: View your application ID, submission date, and current status (approved, under verification, or rejected).
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Status History: Track updates and remarks about your application, eligibility, or documents.
Using this dashboard regularly can help you identify issues early and resolve them promptly.
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How to Check Asaan Karobar Card Application Status via CNIC
Checking your application status online is quick and available 24/7.
Step-by-Step Status Check
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Visit asankarobar.punjab.gov.pk.
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Click on the Login section.
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Enter your 13-digit CNIC number (without dashes).
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Enter your password set during registration.
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Enter the captcha code shown on the screen.
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Click Check.
Your status will appear on the screen as Approved, Verification in Progress, or Rejected. This system saves time and ensures real-time updates without visiting government offices.
Common Reasons for Rejection and Solutions
Sometimes applications are marked as “Rejected”. Don’t panic most issues can be fixed.
| Rejection Reason | Explanation | Solution |
|---|---|---|
| CNIC not found or expired | Invalid or expired CNIC entered | Renew CNIC and reapply |
| Monthly income exceeds 60,000 | Not eligible as per scheme rules | No solution unless income falls within limit |
| Already received government loan | Applicant already has another subsidy-based loan | Not eligible again |
| Incorrect or mismatched mobile number | Mobile number not registered on your CNIC | Update SIM info with NADRA |
| Incomplete or fake business details | No valid business or documents provided | Reapply with proper documents |
If your status is rejected, fix the issue and wait for the next phase or reapply when the portal reopens.
“Verification in Progress” What It Means
The most common status is Verification in Progress. It means your data is being verified by NADRA, Punjab Social Protection Authority, and other departments. This can take 2–3 weeks.
The verification process includes:
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Cross-checking CNIC details with NADRA
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Verifying income range
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Ensuring no existing government loan is active
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Confirming mobile number registration
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Validating Punjab residency
During this time, applicants are advised not to submit duplicate applications.
Tips for Successful Approval
Follow these tips to improve your chances of approval:
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Ensure your mobile number is registered on your own CNIC
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Provide accurate and complete business details
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Apply only if you are a resident of Punjab
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Upload clear scanned documents
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Check the portal regularly for updates
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Avoid multiple or duplicate applications
If you meet all requirements, your loan approval will be smoother, and you will soon receive your Asaan Karobar ATM Card.
How to Receive and Use the Asaan Karobar Card
After approval, your AKC card will be delivered to your nearest TCS office.
Steps to Get and Use Your Card
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Go to the TCS office mentioned in your SMS and collect your card.
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Visit the nearest Bank of Punjab branch with your original CNIC and your AKC card.
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The loan amount will be loaded onto your card.
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Use any Bank of Punjab ATM to withdraw cash:
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Insert the AKC card
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Click on the “Activate” button
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Receive OTP on your registered mobile number
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Enter OTP on the screen and withdraw your amount
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Tip: Keep your PIN confidential and don’t share it with anyone.
AKC Loan & Status Overview
| Feature | Details |
|---|---|
| Maximum Loan Amount | PKR 1,000,000 (interest-free) |
| Eligibility | Punjab residents aged 18–55 with valid CNIC |
| Application Portal | asankarobar.punjab.gov.pk |
| Status Check | Login with CNIC and password |
| ATM Card Delivery | Nearest TCS office after approval |
| Withdrawal Method | Bank of Punjab ATM with OTP verification |
| Common Status Types | Approved, Verification in Progress, Rejected |
| Support for Women | Equal eligibility; priority for self-employed women |
This table gives applicants a quick look at the loan features, status options, and card process.
Why You Should Apply Soon
The government has not announced a fixed deadline, meaning registration can close at any time without notice. With high demand and limited funding, applying early improves your chances of approval.
This scheme is especially beneficial for:
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Small shop owners
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Street vendors
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Startups
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Daily wage earners
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Women entrepreneurs
If you want to start a new business or expand an existing one, this program offers interest-free financing to make it happen.
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Final Words
The Asaan Karobar Card Loan Scheme 2025 is a game-changing initiative by the Punjab Government. It gives small business owners, women entrepreneurs, and youth a rare chance to receive interest-free loans of up to PKR 1,000,000 to start or grow their businesses. If you have already applied, check your AKC Punjab status regularly to resolve any issues promptly. If you haven’t applied yet, don’t delay registration can close anytime.
By following the steps in this guide, you can track your status, understand the verification process, and withdraw your loan easily using the Asaan Karobar ATM Card. This is your opportunity to achieve financial independence and business growth with full government support.
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FAQs
1. How much loan can I get under the Asaan Karobar Card Scheme?
You can receive up to PKR 1,000,000 interest-free under this scheme to support your small business or startup.
2. How can I check my loan application status?
Visit asankarobar.punjab.gov.pk, log in using your CNIC and password, and your current status will be displayed (Approved, Verification in Progress, or Rejected).
3. What does “Verification in Progress” mean?
It means your details are being checked by NADRA and government departments for authenticity. This process can take 2–3 weeks, and you should avoid submitting multiple applications during this time.