Maryam Nawaz Loan Scheme
In today’s time, when rising inflation has made life difficult for ordinary people and unemployment is shattering the dreams of youth, the Punjab government has taken a revolutionary step. Chief Minister Maryam Nawaz has officially launched the Maryam Nawaz Loan Scheme 2026, a new hope for young people, women, small traders, and freelancers across Punjab.
Through this scheme, applicants will get interest-free loans with easy monthly installments to start or expand their businesses. The Punjab Asaan Karobar Card will allow direct digital access to funds, making the process simple, transparent, and corruption-free.
This program is not just about money—it is about financial independence, youth empowerment, and long-term economic growth for Punjab.
Key Details
| Feature | Details |
| Scheme Name | Maryam Nawaz Loan Scheme 2026 |
| Card Name | Punjab Asaan Karobar Card |
| Loan Range | Rs. 100,000 – Rs. 1,000,000 |
| Interest Rate | 0% (Interest-Free) |
| Application Mode | Online Registration |
What is the Loan Scheme 2026 and Why Was it Launched?
The Loan Scheme 2026, also called the Punjab Asaan Karobar Card, is a digital loan program designed for unemployed youth, small businesses, women, and freelancers.
Unlike traditional bank loans that involve lengthy paperwork and high interest, this scheme provides a digital card that can be used for secure withdrawals and business payments.
The main goals include:
- Easy access to credit for small businesses.
- Reducing dependence on private moneylenders.
- Encouraging youth entrepreneurship.
- Supporting women, widows, and home-based workers.
How Much Loan Can You Get Through the Punjab Asaan Karobar Card?
The Maryam Nawaz Loan Scheme 2026 offers loans in different categories based on business needs:
| Category | Loan Amount | Repayment Terms |
| Starter Business | Rs. 50,000 – Rs. 100,000 | Easy monthly installments |
| Small Traders | Rs. 100,000 – Rs. 300,000 | 1–3 years repayment plan |
| Medium Enterprises | Rs. 300,000 – Rs. 500,000 | Flexible terms with grace period |
All loans are interest-free, and the Punjab government will bear administrative costs.
Who Can Apply for Maryam Nawaz Loan Scheme 2026?
Eligibility is kept simple so that maximum people can benefit:
- Must be a resident of Punjab.
- Must hold a valid CNIC.
- Age between 18 to 45 years.
- Should have a business idea, shop, or small trade.
- Special preference will be given to women, widows, and differently-abled persons.
Step-by-Step Guide: How to Apply Online
- Visit the official Punjab loan portal (link will be shared when registration opens).
- Enter CNIC and personal details.
- Provide business information (new or existing).
- Mention loan amount required.
- Review details carefully and submit.
- NADRA and Punjab government will verify your information.
- Once approved, you will receive your Punjab Asaan Karobar Card at the nearest bank branch.
Required Documents for Registration
- CNIC copy (front & back).
- Passport-size photo.
- Proof of residence (utility bill or domicile).
- Business plan (for loans above Rs. 200,000).
- Bank account details.
How Will the Loan Be Disbursed?
Funds will not be given in cash. Instead, the money will be transferred digitally to the Punjab Asaan Karobar Card. This ensures transparency, prevents misuse, and allows withdrawals anytime via ATMs, online transfers, or POS machines.
Key Benefits of the Loan Scheme 2026
- Financial independence for youth and women.
- More job opportunities in Punjab.
- Poverty reduction through self-reliance.
- Support for freelancers and small businesses.
- Boost to Punjab’s digital economy.
How is This Loan Scheme Different from Previous Programs?
Unlike past schemes that failed due to paperwork and hidden interest, the Maryam Nawaz Loan Scheme 2026 stands out because:
- Registration is fully digital and transparent.
- All loans are 100% interest-free.
- Special quotas for women, widows, and disabled applicants.
- Direct government monitoring ensures fairness.
Frequently Asked Questions (FAQs)
Q1: Is this scheme only for Punjab residents?
Yes, currently it is limited to Punjab.
Q2: Do I need collateral for the loan?
No, loans are collateral-free.
Q3: Can women apply separately?
Yes, women will get special preference.
Q4: What if someone fails to repay?
Flexible installments are offered, but non-repayment may affect future eligibility.
Q5: Can freelancers also apply?
Yes, freelancers can apply and use the loan for digital or online businesses.
Conclusion
The Maryam Nawaz Loan Scheme 2026 (Punjab Asaan Karobar Card) is a golden opportunity for youth, women, and small traders who dream of starting or expanding their businesses but lack financial resources. By offering interest-free loans through a digital system, this initiative will reduce unemployment, empower women, and promote entrepreneurship in Punjab.
If you’re serious about building your future, now is the time to prepare your documents and apply as soon as registrations open.
For updates and official registration, visit:
bikes.punjab.gov.pk