CM Punjab Loan Scheme 2026 – Asaan Karobar Loan Scheme (Updated 2026)

Maryam Nawaz Asaan Karobar Loan CNIC Check

The CM Punjab Loan Scheme 2026, also known as the Asaan Karobar Loan Scheme, has been launched by the Government of Punjab under the leadership of Chief Minister Maryam Nawaz Sharif. This flagship initiative aims to empower small entrepreneurs and SMEs across Punjab by providing interest-free business loans up to PKR 1,000,000 through a Digital SME Card.

The Maryam Nawaz Loan Scheme 2026 ensures transparent, cashless, and structured financing, enabling businesses to grow, expand, and sustain operations efficiently. Eligible applicants can apply online, log in, and check their loan status using CNIC through the official PITB portal.

Vision 2026 – Maryam Nawaz Loan Program

Led under the vision of Chief Minister Maryam Nawaz Sharif, the program emphasizes:

• Interest-free financing

• Transparent loan allocation

• Inclusive access for all eligible citizens

• Support for entrepreneurship and small businesses across Punjab

  Official Information:
  For authentic and latest information, always visit the official
  BISP website or use the official SMS service.

  • Official Website: bisp.gov.pk
  • Official SMS: Send your CNIC to 8171

CM Punjab Loan Scheme 2026 – Apply Online

🔗 Official Portal: https://akc.punjab.gov.pk/cmpunjabfinance

Online applications for the CM Punjab Asaan Karobar Loan Scheme 2026 have started from January 2026.

📌 Last Date to Apply: 15 February 2026

Maryam Nawaz Loan Scheme 2026 – Key Features

• Maximum Loan Limit: PKR 1,000,000

• Interest Rate: 0% (Interest-Free)

• Loan Tenure: 3 Years

• Loan Type: Revolving Credit Facility (First 12 Months)

• Repayment Period: 24 Equal Monthly Installments (after first year)

• Grace Period: 3 Months from card issuance

• Disbursement Mode: Digital SME Card

Usage of CM Punjab Loan Amount (2026 Rules)

The loan amount can be used only for business-related purposes, including:

• Vendor & supplier payments

• Utility bills, government fees & taxes

• Digital payments via POS machines & mobile app

• Cash withdrawal up to 25% of loan limit for miscellaneous business needs

Personal or non-business transactions are automatically blocked

Official BISP Website: https://www.bisp.gov.pk/

Eligibility Criteria – CM Punjab Loan Scheme 2026

Applicants must fulfill the following requirements:

• Small Entrepreneurs (SEs) based in Punjab

• Age: 21 to 57 years

• Pakistani national & resident of Punjab

• Valid CNIC

• Mobile number registered on applicant’s CNIC

• Existing or proposed business in Punjab

• Clean credit history (no overdue loans)

• Satisfactory credit & psychometric assessment

• Only one application per person / business

Loan Usage & Repayment Details (2026)

• First 50% Loan Limit: Available within first 6 months

• Grace Period: 3 months after card issuance

• Monthly repayment starts after grace period

• Minimum Monthly Payment: 5% of outstanding principal

Second 50% Loan Limit Released After:

• Proper utilization of funds

• Regular repayments

• Registration with PRA / FBR

Remaining balance after first year is repaid over 2 years in equal monthly installments (EMIs).

Charges & Fees (Updated 2026)

• Processing Fee: PKR 500 (Non-Refundable)

• Annual Card Fee: PKR 25,000 + FED

• Life assurance included

• Card issuance & delivery charges covered by scheme

• Late payment charges applicable as per bank policy

Security & Verification

• Digital personal guarantee by borrower

• Life assurance included

• Urban Unit conducts physical verification:

  • Within first 6 months

  • Annually thereafter

How to Apply – CM Punjab Loan Scheme 2026

1. Visit 👉 https://akc.punjab.gov.pk/cmpunjabfinance

2. Click “CM Punjab Loan Scheme – Apply Online”

3. Complete registration & login

4. Submit digital application form

5. Pay processing fee (PKR 500)

6. CNIC, credit & business verification conducted digitally

Helpline & Support

📞 Helpline Number: 1786
🌐 Official Website: https://akc.punjab.gov.pk/cmpunjabfinance

Additional support, feasibility studies, and business planning tools are available on:

• PSIC Website

• Bank of Punjab (BOP) Website

Maryam Nawaz Loan Scheme 2026 – Final Summary

The CM Punjab Loan Scheme 2026 is a landmark initiative offering:

• Interest-free financing

• Transparent digital usage

• Flexible long-term repayment

Small entrepreneurs across Punjab are encouraged to apply online early, complete registration, and track their application status via CNIC to benefit from this powerful 2026 program.

Warning:
Never share your CNIC number, OTP, or personal details on any website
or with any person. BISP does not ask for personal information online.
Always use official channels only.

Written by: Ehsaas BISP Info Team
Last Updated: January 2026