Asan Karobar Finance Loan Details Phase 2 2025

The Punjab government has launched Asan Karobar Finance Scheme Phase 2 2025 to empower small and medium enterprises (SMEs). The main attraction of this program is its interest-free loans. But before applying, every applicant must understand the Asan Karobar Finance Loan Details Phase 2 2025.

This guide explains all loan-related details step by step — loan amounts, tiers, equity, repayment, grace periods, processing fees, and additional costs. By the end, you will know everything about how much loan you can get and on what terms.

Why Loan Details Matter for Applicants

People often apply for government loan schemes without fully reading the loan details. As a result, they face problems later. The Asan Karobar Loan Phase 2 Application Details 2025 are very clear, but they must be understood properly:

• How much loan you can get
• What type of security is required
• Processing charges you need to pay
• Repayment structure and late penalties

Without this knowledge, you may either apply for the wrong tier or be surprised by conditions later. That is why this article focuses only on Asan Karobar Finance Loan Details Phase 2 2025.

Overview of Asan Karobar Finance Scheme Phase 2 2025

• Loan Type: Interest-free (0% markup)
• Target Audience: Small and Medium Enterprises in Punjab
• Purpose: New startups, existing business expansion, logistics, and climate-friendly technologies
• Duration: Up to 5 years
• Equity Requirement: Varies by loan type and applicant category

Now let’s dive deeper into the actual loan details.

Loan Tiers in Asan Karobar Finance Loan Phase 2 2025

Tier 1 (T1) Loan Details

• Loan Amount: PKR 1 million to PKR 5 million
• Security Required: Personal guarantee
• Tenure: Up to 5 years
• End-User Rate: 0% (interest-free)
• Processing Fee: PKR 5,000

👉 T1 is suitable for small shopkeepers, startups, and small enterprises with limited resources.

Tier 2 (T2) Loan Details

• Loan Amount: PKR 6 million to PKR 30 million
• Security Required: Secured loan (collateral needed)
• Tenure: Up to 5 years
• End-User Rate: 0% (interest-free)
• Processing Fee: PKR 10,000

👉 T2 is targeted toward medium-sized enterprises that want to expand operations or modernize equipment.

Read Also: Maryam Nawaz Flood Relief 2025

Grace Periods Explained

One of the most attractive parts of the Asan Karobar Finance Loan Details Phase 2 2025 is the grace period.

• For Startups: Up to 6 months
• For Existing Businesses: Up to 3 months

During the grace period, you don’t have to start repayment. This gives businesses time to establish cash flow before returning installments.

Equity Contribution in Loan Scheme

The equity contribution means how much money you put in yourself before taking the loan.

• Tier 1 (T1):
  • 0% for general cases (except leased vehicles)
  • 25% equity required for leased commercial vehicles
  • 20% equity in all other cases under T1
• Tier 2 (T2):
  • 20% equity required for most loans
  • Only 10% equity for women, transgender, and differently-abled applicants

👉 This relaxation makes the CM Asan Karobar Finance Loan Phase 2 2025 more inclusive.

Repayment Terms

• Repayment is through equal monthly installments.
• Tenure: Maximum 5 years.
• Late Fee: PKR 1 per 1000/day on overdue amounts.

This makes repayment predictable and manageable for SMEs.

Processing & Additional Costs

Processing Fee

• Tier 1: PKR 5,000
• Tier 2: PKR 10,000

Additional Costs

• Handling Fee:
  • NIL for new businesses
  • 3% per annum for existing businesses
  • NIL for climate-friendly projects under Tier 2
• Insurance, Legal & Registration Charges: As per actual costs

These charges are much lower compared to commercial banks.

Loan Usage Categories

The Asan Karobar Finance Scheme Phase 2 2025 allows loan usage for:

• Startups – seed funding for new ideas
• Existing Businesses – modernization, expansion, working capital
• Commercial Logistics – leasing vehicles for trade and transport
• Climate-Friendly Businesses – renewable energy, green technologies

This flexibility makes the scheme practical for a wide range of businesses.

Key Benefits of Asan Karobar Loan Phase 2 Loan Details AKF Program 2025

• No Interest: Purely interest-free loans up to PKR 30 million
• Fair Processing Costs: Small fees compared to commercial loans
• Grace Period: Upto 6 months for startups
• Inclusive Equity Policy: Women, transgender, and differently-abled persons get easier conditions
• Predictable Repayments: Equal monthly installment structure

These loan details ensure that both small and medium businesses can grow confidently.

Step-by-Step Loan Process (Based on Loan Details)

1. Understand Tier Options – choose T1 or T2 based on your need.
2. Prepare Equity Contribution – arrange 10%, 20% or 25% depending on your category.
3. Submit Application – online form + required documents.
4. Pay Processing Fee – PKR 5,000 or PKR 10,000.
5. Wait for Verification – documents and credit check.
6. Receive Loan Disbursement – as per approved amount and category.
7. Repayment in Installments – start after grace period ends.

Read Also: Punjab Business Loan 2025 

FAQs on Asan Karobar Finance Loan Details Phase 2 2025

Conclusion

The Asan Karobar Finance Loan Details Phase 2 2025 provide clear guidance for applicants. From loan tiers to processing fees, equity contribution, repayment, and grace periods, everything is transparent. This makes it easier for entrepreneurs and SMEs in Punjab to plan their finances properly.

If you are considering applying for the CM Asan Karobar Finance Loan Phase 2 2025, carefully review all loan details before submitting your application. With proper preparation, you can make the best use of this opportunity.

For more helpful guides on government loan schemes, visit gts.com.pk and stay updated.