The Maryam Nawaz Loan Scheme 2026, also called the Asan Karobar Scheme, is Punjab’s largest initiative to empower youth, women, and small business owners. Launched under Chief Minister Maryam Nawaz Sharif, it now offers interest-free loans up to Rs. 10 lakh for new entrepreneurs and low-markup loans up to Rs. 3 crore for established businesses.
This guide explains eligibility, updated loan categories, required documents, and online application steps for 2026 so you can apply and benefit from this historic program.
Why the 2026 Scheme Matters for Punjab’s Youth
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Encourages self-employment and entrepreneurship
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Reduces unemployment in Punjab
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Supports SMEs, startups, and women-led businesses
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Promotes digital, green, and innovative business ventures
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Ensures urban and rural citizens get equal opportunities
Loan Categories – Updated for 2026
| Category | Loan Range | Interest Type | Target Group |
|---|---|---|---|
| Tier 1 | Up to Rs. 10 lakh | Interest-free | Small startups / skilled youth |
| Tier 2 | Rs. 10 lakh – Rs. 50 lakh | Subsidized | Medium enterprises |
| Tier 3 | Rs. 50 lakh – Rs. 3 crore | Low markup | Established businesses |
Note: Loans and repayment terms remain transparent and digital in 2026.
Eligibility – Updated for 2026
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Resident of Punjab
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Valid CNIC
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Age 20–50 years
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Feasible business idea or skill
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No history of bank defaults
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Preference given to women, freelancers, and skilled youth
Documents Required for 2026 Applications
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Original CNIC
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Two passport-size photos
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Proof of residence (utility bill / rent agreement)
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Basic business plan or income proof
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Bank account details
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(Optional) Education or skill certificates
How to Apply Online – 2026 Step-by-Step
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Visit Bank of Punjab Portal or the official Punjab government portal.
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Click “Asan Karobar Scheme 2026 Apply Online.”
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Enter personal and business details.
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Upload all required documents.
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Submit the form and receive SMS/email confirmation.
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Bank of Punjab verifies applications and disburses funds directly to approved accounts.
Approval & Disbursement in 2026
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Applicants receive SMS/email updates.
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Bank of Punjab verifies CNIC, business plan, and eligibility.
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Funds are transferred directly to bank accounts with clear repayment schedules.
Tips for a Winning 2026 Business Plan
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Clear business goal and purpose
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Startup cost and profit projections
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Defined target audience and marketing plan
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Required resources/equipment
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Expected employment creation
High-priority sectors: IT, agriculture, services, and manufacturing.
Who Benefits Most in 2026?
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Young entrepreneurs starting new ventures
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Women running home-based businesses
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Freelancers and digital workers
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Skilled laborers starting workshops
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SMEs planning business expansion
Empowering Women & Youth in 2026
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Special quotas for women and young entrepreneurs
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Training & mentorship via E-Rozgar Centers & Punjab Small Industries Corporation (PSIC)
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Promotes gender equality and financial inclusion
Transparency & Support in 2026
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Bank of Punjab handles loan processing, verification, and disbursement
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Dedicated help desks for guidance
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Digital and transparent system ensures fair access for all
Impact of the 2026 Scheme
Experts predict the 2026 Asan Karobar Finance Program will:
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Generate thousands of jobs
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Boost local production & innovation
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Reduce poverty
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Strengthen small and medium enterprises
FAQs 2026 – Asan Karobar Finance Scheme
Q1: How much loan can I get?
A: Up to Rs. 10 lakh interest-free or Rs. 3 crore with low markup.
Q2: Is the loan truly interest-free?
A: Yes, Tier 1 loans up to Rs. 10 lakh carry zero interest.
Q3: Who can apply?
A: Punjab residents aged 20–50 with valid CNIC and feasible business plan.
Q4: Which bank manages the scheme?
A: Bank of Punjab (BOP).
Q5: Is there a women’s quota?
A: Yes, women-led businesses get priority approval and extra support.
Final Thoughts – 2026
The Maryam Nawaz Loan Scheme 2026 is a historic opportunity for youth, women, and skilled Pakistanis to start businesses and achieve financial independence.
Apply now through the official Punjab government or Bank of Punjab portal and turn your skills or business idea into reality.
