The Asaan Karobar Card scheme has opened new doors for small business owners in Punjab. With interest-free loans of up to Rs 10 lakh, this government-backed initiative is designed to support micro and small enterprises that want to expand without taking on high-interest debt. But before you apply, you need to make sure your documentation is in order. Here’s everything you’ll need to get started.
آسان کاروبار کارڈ اسکیم نے پنجاب میں چھوٹے کاروباری مالکان کے لیے نئے دروازے کھول دیے ہیں۔ 10 لاکھ روپے تک کے سود سے پاک قرضوں کے ساتھ، حکومت کے تعاون سے چلنے والا یہ اقدام مائیکرو اور چھوٹے کاروباری اداروں کی مدد کے لیے ڈیزائن کیا گیا ہے جو زیادہ سود پر قرض لیے بغیر توسیع کرنا چاہتے ہیں۔ لیکن درخواست دینے سے پہلے، آپ کو یہ یقینی بنانا ہوگا کہ آپ کی دستاویزات ترتیب میں ہیں۔ یہاں وہ سب کچھ ہے جس کی آپ کو شروع کرنے کی ضرورت ہوگی۔
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1. National Identity Card (CNIC)
A valid CNIC is the most basic requirement. It confirms your citizenship, age, and residency.
- Must be issued by NADRA
- Should not be expired
- Must match all other submitted documents
2. Proof of Residence
You’ll need to provide evidence of your residential or business address.
Accepted documents include:
- Recent utility bills (electricity, gas, or water)
- Rent agreement or property papers
- Bank statements showing your address
3. Registered Mobile Number
An active mobile number registered under your CNIC is essential for verification and communication throughout the process.
- It should be in your name
- Must be working and accessible
- Will be used for SMS confirmations and updates
4. Passport-Size Photograph
A recent photo or selfie will be required for your application profile.
- Should clearly show your face
- Neutral background preferred
- Avoid filters or edits
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5. Business Ownership Proof
To qualify for the loan, you must show that you own or actively run a business.
Possible documents:
- Business registration certificate
- Shop or trade license
- Partnership agreement or business deed
6. Income and Expense Details
You don’t need formal financial statements, but a clear picture of your business’s income and expenses helps assess your repayment ability.
You may need to share:
- Monthly income estimates
- List of regular expenses
- Approximate profit margins
7. Bank Account Details
The loan amount will be disbursed directly into your personal or business bank account, so this information is critical.
- Bank account must be active
- Account should be in your name
- Details must match your CNIC
8. Two Personal References
You’ll be asked to provide two personal references who can vouch for your character and business activities.
- Must not be immediate family members
- Should have valid CNICs
- Must be reachable by phone
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9. Tax or Revenue Registration (If Applicable)
If you run a registered business, basic tax-related documentation may be required.
Examples include:
- National Tax Number (NTN)
- Sales tax registration certificate
- Proof of tax filing or payment
10. Completed Application Form
Finally, you’ll need to fill out the official Asaan Karobar Card loan application form.
- Double-check all details before submission
- Make sure they align with your documents
- Attach all required photocopies
Final Thoughts
Applying for an interest-free loan through the Asaan Karobar Card scheme can be a game-changer for your business. Whether you’re running a small shop, managing a home-based setup, or launching a new venture, getting your documents right is the first step.
A well-prepared application not only speeds up the approval process but also shows your seriousness as an entrepreneur. If you’re aiming to grow without the burden of interest, this scheme is your chance. Just make sure you’re ready when the opportunity knocks.