The Asaan Karobar Card is a flagship initiative by the Government of Punjab to support small business owners and entrepreneurs across the province. With interest-free loans, flexible repayment options, and easy eligibility criteria, the scheme empowers micro and small enterprises to expand operations, create jobs, and participate in the digital economy.
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If you’re a shopkeeper, freelancer, or small business owner struggling to manage cash flow, the Asaan Karobar Card could be the financial lifeline you’ve been waiting for. Backed by the Punjab government, this card offers up to one million rupees in interest-free credit—making it easier to invest in inventory, equipment, or business expansion without the burden of markup.
Thousands of applicants who previously applied for the Asaan Karobar Card but were rejected due to verification errors now have a second chance. With the launch of the September 2025 resubmission phase, you can now fix your application and resubmit it for review. This article covers everything you need to know about the resubmission process, eligibility, and key updates.
If your previous application was rejected due to verification errors, September 2025 brings an important opportunity to resubmit after making the necessary corrections.
This article provides a complete, updated guide for resubmission, including eligibility, steps, tables, FAQs, and support details.
📌 What is the Asaan Karobar Card?
The Asaan Karobar Card offers interest-free credit lines to eligible small businesses in Punjab through a pre-loaded digital card. The facility is backed by the Government of Punjab and executed in partnership with Bank of Punjab and other financial institutions.
📋 Key Features of the Scheme
| Feature | Details |
|---|---|
| Maximum Loan Limit | PKR 1,000,000 |
| Markup / Interest | 0% (Interest-Free) |
| Loan Tenure | 3 Years |
| Grace Period | 3 Months (no repayment required initially) |
| Revolving Credit | Loan can be used for up to 12 months before repayment begins |
| Repayment Structure | 24 Equal Monthly Installments (after the grace period) |
| Permissible Usage | Business purchases, POS/mobile transactions, utility/vendor payments |
| Cash Withdrawal Limit | Up to 25% of total loan amount |
| Processing Fee | PKR 500 (non-refundable) |
| Annual Card Fee | PKR 25,000 + FED (deducted from loan limit) |
| Security/Guarantees | Digital personal guarantee, life insurance, verification & audits |
✅ Eligibility Criteria (2025)
To be eligible for the Asaan Karobar Card, applicants must:
- Be a Pakistani citizen and a resident of Punjab
- Be aged between 21 to 57 years
- Own or plan to start a business in Punjab
- Have a valid CNIC and SIM card registered in their name
- Maintain a clean credit history (no loan defaults)
- Be ready to register the business with FBR/PRA within 6 months of card issuance
- Apply only once per individual or business
🔄 Resubmission Window – September 2025
If your application was previously rejected or marked with verification errors, you now have the chance to resubmit. Here’s how:
🔁 Step-by-Step Resubmission Guide:
- Login to the official portal: https://akc.punjab.gov.pk
- Check your application status. If you see a “Resubmit after rectification” message, you are eligible to resubmit.
- Review the specific verification errors (e.g. CNIC, mobile number, vehicle tax).
- Resolve the issue(s):
- CNIC issues: Visit NADRA to correct details.
- SIM mismatch: Register the correct number on your CNIC.
- Vehicle or property tax dues: Pay through Excise portal or office.
- After fixing all issues, click on the “Resubmit” button.
- Confirm submission through the portal pop-up.
- Note: Only ONE resubmission is allowed per applicant.
🔍 Application Status – How to Track
You can track your application using the following methods:
| Method | Instructions |
|---|---|
| Online Portal | Login at akc.punjab.gov.pk |
| SMS Service | Send: STATUS [Application ID] to 8300 |
| Call Helpline | Dial 1786 for real-time support |
| Visit Bank Branch | Inquire at Bank of Punjab (BoP) or National Bank of Pakistan (NBP) branches |
⚠️ Common Verification Errors & Fixes
| Error Type | Solution |
|---|---|
| CNIC mismatch | Visit NADRA to correct spelling, DOB, or family details |
| SIM not verified | Register your number with PTA on your CNIC |
| Vehicle Tax Pending | Pay via Punjab Excise online or in-person |
| BoP System Error | Wait 48–72 hours or call BoP helpline at 111-267-200 |
📞 Contact & Support
| Asaan Karobar Helpline | 1786 (Available Mon–Sat) |
| Bank of Punjab | 111-267-200 |
| Official Website | https://akc.punjab.gov.pk |
📝 Final Thoughts
The September 2025 Resubmission Phase is a second chance for thousands of small business owners who faced rejection due to minor errors or technical issues. By resolving your verification problems and resubmitting quickly, you can unlock access to interest-free credit to grow your enterprise.
❓ Frequently Asked Questions (FAQs)
Can I resubmit my application more than once?
No, only one resubmission is allowed per applicant. Make sure all issues are fixed before resubmitting.
What should I do if my application shows verification errors?
Check the exact error (e.g., CNIC mismatch, SIM not verified, unpaid taxes), resolve the issue, and then resubmit through the portal.
What is the deadline for resubmission?
There’s no official cut-off date yet, but it’s recommended to resubmit as early as possible during the September window.