Maryam Nawaz Loan Scheme 2025

Maryam Nawaz Loan Scheme: The Punjab government, under the leadership of Chief Minister Maryam Nawaz Sharif, has launched an initiative to provide interest-free loans to deserving and underprivileged families. The Maryam Nawaz Loan Scheme 2025, also known as the Asan Business Scheme, aims to uplift economically weak individuals by offering financial aid to help them start businesses and become financially independent.

This scheme is a lifeline for many struggling families in Punjab. The loans are categorized into two segments:

• Asan Karobar Card: Interest-free loans up to 1 million PKR for poor families.
• Asan Finance Scheme: Business loans ranging from 1 million to 30 million PKR for middle-class entrepreneurs.

If you want to benefit from this revolutionary financial program, this guide will walk you through the application process, eligibility criteria, required documents, and repayment details.

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Eligibility Criteria for the Asan Karobar Card Loan Scheme

To qualify for the Asan Karobar Card Loan Scheme, applicants must meet the following criteria:

• Must be a resident of Punjab with a valid domicile.
• Should not own more than two acres of land.
• Must have a poverty score below 40%.
• Should not have taken loans from any other bank.
• Should not have an existing business registered in their name.

If you meet these conditions, you can apply for an interest-free loan of up to 1 million PKR to start your business and improve your financial status.

How to Apply for the Maryam Nawaz Loan Scheme 2025?

The online application process for the Asan Karobar Card Loan Scheme is simple. Follow these steps:

1. Visit the Official Portal: Go to akc.punjab.gov.pk.
2. Click on Apply Now: Start your application process.
3. Enter Personal Details:
   • Your full name as per CNIC
   • Father’s or Husband’s name
   • CNIC number (valid as per NADRA records)
   • Date of birth
   • CNIC issue and expiry date
4. Provide Contact Details:
   • Registered mobile number (must be linked with CNIC)
   • Choose your mobile network
5. Create a Secure Password:
   • Set a strong password and confirm it.
6. Pay the Registration Fee:
   • Submit 500 PKR (non-refundable).
7. Submit the Application:
   • Click on Register and wait for confirmation.

Once submitted, you will receive a confirmation SMS regarding the status of your application.

Loan Receiving and Repayment Details

The repayment plan for this loan is structured and easy to follow:

• First 50% of the loan is released within six months.
• A three-month grace period is provided after card issuance.
• Repayments begin after the grace period with a minimum payment of 5% per month.
• The remaining 50% of the loan is disbursed after meeting repayment and registration requirements (PRA/FBR).
• Borrowers must repay the full amount within two years.

The funds can only be used for business purposes. Personal and non-business transactions are restricted under this scheme.

Required Documents for Registration

Before applying, ensure you have scanned copies or clear images of the following:

• CNIC (front and back)
• Recent passport-sized photo or selfie
• Registered mobile number linked with CNIC
• Two references (not blood relatives) with CNIC copies
• Business details (income, expenses, feasibility plan)
• Property documents (if applicable for secured loans)
• Tax filer registration details

For Tier 2 loans (above 1 million PKR), you must provide additional collateral documents like property registry, government securities, or transfer letters.

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Step-by-Step Registration for Asan Finance Scheme

To register for Asan Finance, follow these steps:

1. Go to the official website and open the application form.
2. Fill out personal information, including:
   • Full name (as per CNIC)
   • Father’s/husband’s name
   • CNIC number, issue date, and expiry date
   • Email address
3. Enter your contact details:
   • Mobile number (linked with CNIC)
   • Select your network provider
4. Provide residential information:
   • Address, district, tehsil, and city
5. Submit NTN details (if applicable).
6. Confirm security details:
   • Mention if you are a politically exposed person
   • Set a password for login
7. Complete the process and submit your application.

After submission, the system verifies your information. You will receive updates via SMS.

FAQs – Maryam Nawaz Loan Scheme 2025

1. What is the Asan Business Scheme, and who can apply?

The Asan Business Scheme provides interest-free loans up to 1 million PKR to low-income families in Punjab. Eligibility requires a poverty score below 40%, no prior loans, and limited land ownership.

2. What is the eligibility for the Asan Karobar Loan?

Applicants must be Punjab residents, have a poverty score below 40%, own less than two acres of land, and not have taken loans from banks.

3. How do I apply for the Maryam Nawaz Loan Scheme 2025?

Visit akc.punjab.gov.pk, fill out the form with your details, and pay a 500 PKR registration fee.

4. What documents are needed for registration?”

You need CNIC copies, a photo, a registered mobile number, business details, tax details, and property documents (if applying for secured loans).

5. What is the repayment plan for the loan?

The borrower repays the loan in monthly installments over two years.The first 50% is released in six months, followed by a grace period of three months, then regular repayments start.

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Final Words

The Maryam Nawaz Loan Scheme 2025 aims to transform the lives of struggling families in Punjab by helping them become financially independent. By offering interest-free loans with an easy repayment structure, this program is a golden opportunity for those looking to start their own businesses.

Make sure you meet the eligibility criteria, have the required documents, and follow the registration process carefully. This is your chance to escape poverty and secure a better future for yourself and your family.