💰 CM Punjab Rozgar Scheme 2025 – 1 Crore Loan Apply Online (Complete Guide)

Assalam o Alaikum Dosto! Agar aap Punjab ke rehne walay hain aur apna karobar shuru karna chahte hain ya pehle se chalay hue business ko barhana chahte hain, to CM Punjab Rozgar Scheme 2025 aapke liye behtareen mauqa hai. Punjab Small Industries Corporation (PSIC) aur Bank of Punjab (BOP) ne mil kar is scheme ka aaghaz kiya hai jiske tehat aap 1 Crore Rupay tak ka qarza (loan) hasil kar sakte hain.

Is scheme ki sab se achi baat yeh hai ke yeh Asaan Shara'it (Easy Terms) par hai aur is mein mark-up rate (sood) bohot kam rakha gaya hai. Is article mein hum aapko batayenge ke aap 1 Lakh se lekar 1 Crore tak ka loan kaise le sakte hain, eligibility kya hai aur online apply karne ka tareeqa kya hai. SHM Jobs aapko step-by-step guide karega.

Loan Ki Iqsaam (Categories)

Punjab Rozgar Scheme ko do hisson mein taqseem kiya gaya hai taake har tabqay ke log faida utha sakein:

1. Clean Loan (Bina Zamanat)

Yeh loan 1 Lakh se 10 Lakh tak hai. Iske liye aapko koi bari jaidad (property) girvi rakhwane ki zaroorat nahi hoti. Sirf personal guarantee par mil jata hai.

2. Secured Loan (Zamanat Ke Sath)

Agar aapko 10 Lakh se 1 Crore tak ka bara qarza chahiye, to aapko bank ko koi security (Ghar, Dukan, Plot ke kaghazat) deni hogi.

Eligibility Criteria (Kon Apply Kar Sakta Hai?)

Apply karne se pehle yeh shara'it zaroor parh lein:

• Nationality: Applicant ka Pakistani shehri aur Punjab ka resident hona lazmi hai (CNIC par address Punjab ka ho).
• Age Limit: Umer 20 se 50 saal ke darmiyan honi chahiye.
• Qualification:
  • University/College Graduates.
  • Diploma Holders (TVET).
  • Hunar Mand (Skilled Workers).
• Business Type: Naya karobar (Startup) ya purana karobar (Existing Business).
• History: Aap kisi bank ke defaulter na hon aur koi criminal record na ho.

Zaroori Kaghazat (Documents)

Online apply karte waqt aapke paas yeh cheezein scan shuda honi chahiye:

1. CNIC (Shanakhti Card) ki front aur back picture.
2. Aapki taza tareen Passport Size Tasweer.
3. Taleemi Asnaad (Degree/Diploma).
4. Experience Certificate (Agar ho to).
5. Business Plan (Agar naya karobar hai).
6. Security Documents (Agar 10 Lakh se zyada loan chahiye).

How to Apply (Apply Karne Ka Tareeqa)

Registration ka process 100% online hai. Aapko kisi daftar ke chakkar lagane ki zaroorat nahi. In steps ko follow karein:

Step 1: Official Portal Par Jayen

Sab se pehle rozgar.psic.punjab.gov.pk par jayen. Yeh official website hai.

Step 2: Sign Up (Account Banayen)

"Applicant Registration" par click karein. Apna CNIC, Mobile Number, Email aur Password darj karein. Aapko SMS par code aayega, usay enter kar ke account verify karein.

Step 3: Application Form Fill Karein

Login karne ke baad "New Application" par click karein. Wahan apni zaati maloomat, business details, aur loan amount likhein.

Step 4: Documents Upload Karein

Apni tasweer, CNIC, aur degree upload karein. Business plan ke baray mein thora bohot likhein.

Step 5: Processing Fee

Form submit karne ke baad aapko Rs. 2000 ki processing fee jama karwani hogi (Non-refundable). Yeh aap online ya bank mein jama karwa sakte hain.

Loan Structure (Tafseelat)

Loan Amount	Rs. 100,000 - Rs. 10,000,000
Grace Period	6 Months (Is doran qist nahi deni)
Markup (Clean Loan)	4%
Markup (Secured Loan)	5%
Processing Time	30 to 45 Days

SHM Jobs Opinion & Analysis

SHM Jobs ki team ke mutabiq, Punjab Rozgar Scheme aik behtareen iqdaam hai. 4% se 5% markup bohot kam hai (market mein 20%+ chal raha hai). Agar aap waqayi koi karobar karna chahte hain to is se faida uthayen.

Caution (Ehtiyat):
Sirf utna loan lein jitna aap wapis kar sakein. Hukoomat ka paisa hai, wapis to karna parega. Business Plan mazboot banayen taake loan reject na ho.

FAQs – Aam Poochay Janay Walay Sawalat