The Karobar Card 2026 is a major relief initiative launched by the Punjab Government to support small and medium-sized business owners across the province. Under this program, eligible entrepreneurs can access interest-free loans to start, stabilize, or expand their businesses without the burden of bank markup.
Announced under the leadership of Maryam Nawaz Sharif, the Karobar Card aims to strengthen entrepreneurship, create jobs, and boost economic activity at the grassroots level.
What Is the Karobar Card Program?
The Karobar Card is a government-backed facility that enables eligible business owners to obtain bila-sud (interest-free) financing through a simple and transparent process. Once issued, the card can be used to access approved loan amounts with easy repayment terms of up to five years.
The program is designed especially for:
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Small traders
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Shop owners
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Home-based businesses
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Emerging entrepreneurs
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Registered SMEs operating in Punjab
Loan Amount Details (2026)
The loan structure is divided based on business size:
For Small Businesses
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Rs 100,000 to Rs 1,000,000 (1–10 lakh)
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Completely interest-free
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No markup or hidden charges
For Medium-Sized Businesses
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Up to Rs 30,000,000 (3 crore)
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Subject to additional conditions
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Security or guarantees may be required
📌 Medium-scale loans are evaluated on business capacity and compliance.
Repayment Terms
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Repayment period: Up to 5 years
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Installments: Easy and flexible
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Interest: 0% (bila-sud)
These terms allow businesses to stabilize operations before repayments become due.
Key Benefits of the Karobar Card
The Karobar Card offers multiple advantages to entrepreneurs:
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No interest burden on loans
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Predictable, easy installments
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Financial breathing room for business growth
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Support for startups and expansions
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Encourages job creation at local level
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Helps low-income entrepreneurs become financially independent
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Promotes formal business registration and documentation
This initiative reduces dependency on expensive private lending.
Eligibility Criteria for Karobar Card 2026
To apply, applicants must meet the following conditions:
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Valid CNIC
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Small or medium-sized business registered in Punjab
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Proper business registration documents
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No outstanding bank loans
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No multiple businesses or vehicles registered in applicant’s name (as per initial criteria)
⚠️ Final eligibility rules may be refined once official registration opens.
Required Documents
Prepare these documents in advance:
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Original CNIC (or CNIC number)
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Business registration proof
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Basic business details (nature, location)
Having documents ready will speed up the application process.
Registration Process – Latest Update
As of now, registration has not officially started.
What to Expect
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Online application portal to be announced
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Offline registration through designated centers
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Official instructions will be shared by Punjab Government
Applicants are advised to:
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Avoid agents or unofficial sources
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Follow only government announcements
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Keep documents ready
Once registration opens, eligible applicants will be able to apply and track their status transparently.
Why Karobar Card 2026 Is Important
Small and medium businesses form the backbone of Punjab’s economy. By providing interest-free capital, the Karobar Card helps entrepreneurs:
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Overcome financial barriers
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Improve product quality
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Expand operations
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Create employment opportunities
This program is expected to play a key role in economic growth and poverty reduction.
Frequently Asked Questions (FAQs)
Is the Karobar Card loan really interest-free?
Yes. The loan provided under this program carries zero interest.
Can I apply if my business is small?
Yes. Small businesses can apply for loans starting from Rs 1 lakh.
When will registration start?
The official registration date has not yet been announced.
Is the loan repayable?
Yes. The loan must be repaid in easy installments over up to 5 years.
Should I pay any fee to apply?
No. The application process is expected to be free of charge.
Final Words
The Karobar Card by Maryam Nawaz 2026 is a powerful opportunity for entrepreneurs who want to grow their businesses without falling into debt traps. With interest-free financing, flexible repayment, and government backing, this scheme offers real support to Punjab’s business community.
If you own a small or medium-sized business, keep your documents ready and stay connected with official updates to apply as soon as registration opens.
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