آسان کاروبار اسکیم - اہلیت چیکر
Asaan Karobar Scheme - Eligibility Checker
Check if you qualify for interest-free business loan up to PKR 1 Million
Check Your Eligibility in 2 Minutes
How to Apply for Asaan Karobar Scheme
آسان کاروبار اسکیم کے لیے کیسے اپلائی کریں
Follow these 4 simple steps to get your interest-free business loan
Complete Online Application
آن لائن درخواست مکمل کریں
Visit the official PITB portal and create your account. Fill out the digital application form with accurate personal and business information. Ensure all details match your CNIC exactly. Pay the non-refundable processing fee of PKR 500 through the secure payment gateway.
Double-check all information before submission as incorrect details can delay your application. Keep your mobile phone active for OTP verification.
Digital Verification Process
ڈیجیٹل تصدیق کا عمل
After submission, your CNIC will be automatically verified through NADRA's database. The system will check your credit history with major credit bureaus to ensure you have no overdue loans. You'll complete a brief psychometric assessment to evaluate your business acumen and entrepreneurial skills.
Digital verification typically completes within 1-3 business days. You'll receive SMS updates at each stage of the process.
Application Review & Assessment
درخواست کا جائزہ اور تشخیص
Authorized agencies will review your complete application within 3-7 business days. Your business plan and financial projections (if provided) will be evaluated. The review includes checking your eligibility against all scheme criteria and assessing the viability of your business proposal.
During this phase, you may be contacted for additional information or clarification. Respond promptly to avoid delays.
Approval & Card Issuance
منظوری اور کارڈ جاری کرنا
Upon approval, you'll receive an official notification via SMS and email with your approval details. Your Digital SME Card will be issued and delivered to your registered address within a few days. The card comes pre-loaded with your approved credit limit. You can start using it immediately for business-related purchases, vendor payments, and approved transactions.
The first 50% of your limit is available in the first 6 months. Register with PRA/FBR within 6 months to unlock the remaining 50%.
Ready to Start Your Application?
You've checked your eligibility, now take the next step toward growing your business!
🚀 Start Application NowRequired Documents Checklist
مطلوبہ دستاویزات کی فہرست
Keep these documents ready before starting your application
Personal Documents
ذاتی دستاویزات
- Original CNIC: Valid Pakistani National Identity Card (not expired)
- Mobile Number: SIM registered in your own name (matching CNIC)
- Proof of Residence: Recent utility bill or rental agreement showing Punjab address
- Passport Photos: 2 recent colored photos with white background
Business Documents
کاروباری دستاویزات
- Business Address Proof: Shop/office rental agreement or ownership documents
- Business Registration: Registration certificate, trade license, or GST/NTN (if applicable)
- Business Plan: Brief description of your business, products/services, and growth plans
- Financial Projections: Expected revenue, expenses, and loan usage plan
Banking & Financial
بینکنگ اور مالیاتی
- Bank Account Statement: Last 3-6 months' statement showing financial activity
- Credit History Report: Can be obtained from credit bureaus (or verified digitally)
- Previous Loan Details: Information about any existing or paid-off loans
Additional Requirements
اضافی تقاضے
- PRA/FBR Registration: Mandatory within 6 months to unlock second 50% limit
- Business Premises Photos: Clear photos of your shop/office/business location
- References: Contact details of 2 business references (suppliers/customers)
Pro Tips for Quick Approval
Keep digital copies (scanned/photos) of all documents ready. This speeds up the application process significantly.
Double-check that all documents are valid, not expired, and information matches across all documents.
Use good lighting and high resolution when taking photos. Blurry or unclear images will be rejected.
Ensure all details match your CNIC exactly - name spelling, address, father's name, date of birth.
Gather documents before starting application. Some documents (like PRA registration) may take time to obtain.
Keep your registered mobile number active. You'll receive important updates and verification codes via SMS.
📥 Download Complete Checklist
Get a printable PDF version of this checklist to keep handy during your application
Download PDF Checklist