Skip to content
Apply ENP

Maryam Nawaz Loan Schemes 2026: Asaan Karobar Finance, Karobar Card and Kissan Card

✓ Last verified: 3 Nov 2026OpenIndependent guide

Chief Minister Punjab Maryam Nawaz has launched several interest-free loan schemes for small businesses and farmers in Punjab. People often search for them as the “Maryam Nawaz loan scheme”. Here is what each one offers and where to apply officially.

At a glance

Asaan Karobar FinanceRs 1–30 million, 0% markup, up to 5 years
Asaan Karobar CardUp to Rs 1 million, 0% markup, 3 years, digital card
CM Kissan CardRs 30,000 per acre for farm inputs, 0% markup, per crop season
WhoResidents of Punjab (each scheme has its own rules)
Helpline1786 (Asaan Karobar)

Which Maryam Nawaz loan is right for you?

Asaan Karobar Finance

For SMEs and start-ups needing Rs 1–30 million. Tier 1 is unsecured up to Rs 5 million.

Open Read guide →

Asaan Karobar Card

For small shops and traders: a digital credit line of up to Rs 1 million.

Open Read guide →

CM Punjab Kissan Card

For farmers with up to 12.5 acres: input loans for seed and fertiliser.

Open Read guide →

Comparison table

Asaan Karobar FinanceAsaan Karobar CardKissan Card
AmountRs 1m – 30mUp to Rs 1mRs 30,000/acre (Phase I max Rs 150,000)
Markup0%0%0%
TenureUp to 5 years3 years6 months + 1 month grace
Grace period6 months (new) / 3 months (existing)3 months1 month after 6 months
Processing feeRs 5,000 (T1) / Rs 10,000 (T2)Rs 500 + annual card feeRs 1,000 per acre card fee
Applyakf.punjab.gov.pkakc.punjab.gov.pkpunjab.gov.pk

Is there a Maryam Nawaz loan for youth outside Punjab?

No. These schemes are for Punjab residents. Youth elsewhere can use the federal PM Youth Loan or provincial schemes such as KP’s Ehsaas Naujawan Programme.

Work out your monthly instalmentUse our free loan calculator to see the instalment and full repayment schedule before you apply.
Beware of fraudNo government department, bank or Akhuwat charges a fee to approve a loan. Never pay an agent, and never share your CNIC, PIN or OTP with anyone who calls or messages you. Rozgar for Youth never asks for your CNIC or money.

Frequently asked questions

Maryam Nawaz loan scheme ke liye kaise apply karein?

Business loan ke liye akf.punjab.gov.pk aur Karobar Card ke liye akc.punjab.gov.pk par CNIC wale mobile number se registration karein. Helpline 1786.

Is the Maryam Nawaz loan interest-free?

Yes. Asaan Karobar Finance, the Asaan Karobar Card and the Kissan Card all charge 0% markup to the borrower; processing and card fees still apply.

What is the Asaan Karobar helpline?

1786.

Can people from KP or Sindh apply?

No, these are Punjab Government schemes for Punjab residents and businesses.

Which bank gives the Maryam Nawaz loan?

The schemes are run through the Bank of Punjab with the Punjab Information Technology Board (PITB) portals.

Official sources

Always confirm details with the official source before applying.

Updates

  • 3 Nov 2026: Guide published and checked against official sources.

Related guides