💳 CM Punjab Asaan Karobar Card 2025 – 5 Lakh Loan Scheme (Apply Online)

Assalam o Alaikum Dosto! Punjab ki hukoomat ne chotay karobari hazraat (Small Business Owners), kisanon aur nojwanon ke liye aik inqalabi scheme ka aaghaz kiya hai jiska naam "Asaan Karobar Card" hai. Is card ke zariye aap apne karobar ko barhane ke liye ya naya kaam shuru karne ke liye 5 Lakh Rupay tak ka qarza (loan) hasil kar sakte hain.

Is scheme ka maqsad Pakistan ki maeeshat ko mazboot karna aur berozgari ka khatma hai. Agar aap koi dukan chalate hain, chota mota karobar karte hain, ya koi naya idea rakhte hain, to yeh scheme aapke liye hai. Is article mein hum aapko batayenge ke Apply Kaise Karna Hai, Eligibility kya hai, aur Loan wapis karne ka tareeqa kya hoga. SHM Jobs aapko sab se pehle aur sahi maloomat faraham kar raha hai.

1. Asaan Karobar Card Kya Hai?

Yeh aik digital card hai jo bilkul ATM card ki tarah dikhta hai. Is card ke zariye aap ko jo loan manzoor hoga, aap usay apni zaroorat ke mutabiq nikalwa sakenge. Yeh scheme do hisson mein hai:

A. Kissan Dost Finance

Yeh hissa kisanon ke liye hai taake wo khaad, beej (seeds) aur machinery khareed sakein. Is se zaraat (agriculture) mein behtari ayegi.

B. SME Finance (Chotay Karobar)

Yeh hissa dukan-daron, mechanics, aur chotay tajiron ke liye hai taake wo apna stock barha sakein ya dukan ki renovation kar sakein.

Eligibility Criteria (Ahliyat ka Mayar)

Har koi is card ke liye apply nahi kar sakta. Apply karne se pehle darj zail shara'it (conditions) check karein:

• Nationality: Applicant ka Pakistani shehri aur Punjab ka rehayishi hona zaroori hai.
• Age Limit: Umer 21 se 45 saal ke darmiyan honi chahiye.
• Business: Aapka koi chota mota chalta hua karobar ho (Dukan, Stall, Workshop etc.) ya aapke paas naya idea ho.
• Credit History: Aap kisi bank ke defaulter na hon.
• Income Proof: Chota mota saboot (jaise Bill book, Account statement) dena hoga.

Loan Ki Iqsaam (Tiers)

Hukoomat ne loan ko mukhtalif darjon mein taqseem kiya hai:

Tier 1 (Chota Qarz)	Rs. 1 Lakh se 5 Lakh tak
Tier 2 (Darmiyana Qarz)	Rs. 5 Lakh se 15 Lakh tak
Tier 3 (Bara Qarz)	Rs. 15 Lakh se 3 Crore tak

Note: Asaan Karobar Card zyada tar Tier 1 (5 Lakh tak) ke liye jari kiya ja raha hai.

How to Apply (Apply Karne Ka Tariqa)

Registration ka process digital kar diya gaya hai. Aap ghar bethay apply kar sakte hain ya Bank visit kar sakte hain:

Option 1: Online Application Portal

1. Punjab Rozgar Scheme ya Asaan Karobar Portal (akc.punjab.gov.pk) par jayen.
2. "Apply Now" par click karein aur apna account register karein.
3. Online form mein apni zaati aur karobari tafseelat darj karein.
4. Documents upload karein aur submit kar dein.

Option 2: Bank of Punjab (BOP)

Agar online samajh na aaye to apne qareebi Bank of Punjab (BOP) ki branch jayen. Wahan se form lein, pur karein aur jama karwa dein. Bank staff aapki madad karega.

Zaroori Kaghazat (Documents)

Apply karte waqt ye cheezein paas rakhein:

• CNIC (Shanakhti Card) ki copy.
• Passport size tasweer.
• Karobar ka saboot (Dukan ki tasweer, Bijli ka bill, ya Rent Agreement).
• Agar kisan hain to Fard/Jamabandi.
• 2 Gwahan (Witnesses) ke CNIC numbers.

SHM Jobs Opinion & Analysis

SHM Jobs ki team ke mutabiq, yeh scheme un logon ke liye "Life Line" hai jo apna karobar barhana chahte hain lekin paisay nahi hain. Card system hone ki wajah se aapko har baar bank jane ki zaroorat nahi paregi, aap ATM se paise nikalwa sakenge.

Caution:
Loan wapis karne ka plan zaroor banayen. Hukoomat defaulters ke khilaf sakht karwai karti hai. Sirf utna loan lein jitna aap aaram se qist (installment) mein wapis kar sakein.

FAQs – Aam Poochay Janay Walay Sawalat