The Maryam Nawaz Loan Scheme 2026 offers interest‑free loans up to Rs. 5 crore for small businesses, SMEs, and exporters through Asaan Karobar Finance and Asaan Karobar Card. Learn eligibility, loan limits, documents, and complete online application process.
The Maryam Nawaz Loan Scheme 2026 is one of Punjab’s most in-demand government financing programs, designed to support new startups, existing businesses, and export-oriented enterprises. Under the leadership of CM Maryam Nawaz Sharif, the Punjab Government has launched multiple interest-free loan schemes to empower entrepreneurs and strengthen the provincial economy.
According to official information, the scheme includes two major financing options:
- CM Punjab Asaan Karobar Finance
- CM Punjab Asaan Karobar Card
Both programs offer interest-free loans to eligible individuals and businesses across Punjab.
Maryam Nawaz Loan Scheme 2026 – Main Options
1. CM Punjab Asaan Karobar Finance
A large-scale financing program for small and medium enterprises (SMEs).
- Loans up to Rs. 3 crore for new/existing businesses
- Loans up to Rs. 5 crore for export-oriented businesses
- Interest-free financing
- Phase-II currently active
2. CM Punjab Asaan Karobar Card
A digital financing card for small entrepreneurs.
- Loan limit: Up to Rs. 1 million
- Interest-free
- 3-year repayment period
- 3-month grace period
- 33 equal monthly installments
- Maryam Nawaz Loan Scheme 2026
How Much Money Can You Get?
| Program | Maximum Financing | Purpose |
|---|---|---|
| Asaan Karobar Card | Up to Rs. 1 million | Small business financing |
| Asaan Karobar Finance | Up to Rs. 3 crore | New & existing businesses |
| Export Finance | Up to Rs. 5 crore | Export-oriented ventures |
Who Can Apply?
Eligibility depends on the selected financing program.
Asaan Karobar Card Eligibility
- Age: 21 to 57 years
- Pakistani national residing in Punjab
- Valid CNIC
- Business location must be in Punjab
- Mobile number registered in applicant’s name
Asaan Karobar Finance Eligibility
- Valid CNIC
- Punjab residency
- Active tax-filer
- Not a bank defaulter
- Ownership or tenancy of business premises
- Age requirement as per Phase-II rules
Which Businesses Can Benefit?
The loan can be used for:
- Starting a new business
- Expanding an existing business
- Purchasing machinery
- Buying equipment
- Increasing production
- Working capital
- Export-related operations
Asaan Karobar Card – Key Features
- Loan limit: Rs. 1 million
- Tenure: 3 years
- Grace period: 3 months
- Installments: 33 monthly payments
- Markup: 0% interest
- Digital financing card system
Asaan Karobar Finance – Key Features
- Loan range: Rs. 1 million to Rs. 3 crore
- Export finance: Up to Rs. 5 crore
- Interest-free
- Designed for SMEs
- Supports modernization, expansion, and new business setups
Documents Required
- Valid CNIC
- Proof of Punjab residency
- Business details
- Tax-filer status (for Asaan Karobar Finance)
- Ownership/tenancy documents
- Mobile number registered with CNIC
- Additional documents requested by financing institution
How to Apply for Maryam Nawaz Loan Scheme 2026
Applicants must choose the correct financing program before applying.
How to Apply for Asaan Karobar Finance
Step-by-Step Process
- Visit the official Asaan Karobar Finance portal
- Select the financing category
- Check eligibility requirements
- Enter CNIC and personal details
- Provide business information
- Upload required documents
- Complete verification
- Wait for financing assessment and approval
Official Helpline: 1786 (Punjab Small Industries Corporation)
How to Apply for Asaan Karobar Card
The process is fully digital:
- Visit the official Asaan Karobar Card portal
- Enter personal and business details
- Upload required documents
- Application undergoes verification
- Approval leads to card issuance
Repayment Period
Asaan Karobar Card
- Tenure: 3 years
- Grace period: 3 months
- Installments: 33 monthly payments
- Interest: 0%
Asaan Karobar Finance
- Tenure varies based on loan size
- Interest-free
- Repayment schedule provided after approval
Avoid Fake Loan Registration Offers
Never share:
- OTP codes
- ATM PIN
- Internet banking passwords
- Debit card details
Always apply through official Punjab Government portals.
Which Option Should You Choose?
- Need up to Rs. 10 lakh? → Asaan Karobar Card
- Need Rs. 1–3 crore? → Asaan Karobar Finance
- Need up to Rs. 5 crore for exports? → Export Finance
FAQs
1. What is the Maryam Nawaz Loan Scheme 2026? A set of interest-free loan programs for businesses in Punjab.
2. What is the maximum loan amount? Up to Rs. 5 crore for export finance.
3. Is the loan interest-free? Yes, all programs offer 0% markup.
4. Can women apply? Yes, women entrepreneurs are fully eligible.
5. What is the Asaan Karobar Card limit? Up to Rs. 1 million.
6. What is the age limit for Asaan Karobar Card? 21 to 57 years.
7. What is the age limit for Asaan Karobar Finance? As per Phase-II rules (typically 25–55 years).
8. What is the helpline? 1786 (PSIC official helpline).
9. Is loan approval guaranteed? No, approval depends on eligibility and verification.
Conclusion
The Maryam Nawaz Loan Scheme 2026 provides powerful financial support for entrepreneurs across Punjab. With interest-free loans, flexible repayment options, and dedicated programs for both small and large businesses, the scheme is a major step toward economic growth and business empowerment.
Whether you are starting a new venture or expanding an existing one, choosing the right financing option—Asaan Karobar Card or Asaan Karobar Finance—can help you secure the capital needed to grow your business successfully.
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