The CM Punjab Rozgar Scheme 2025 is one of the biggest government initiatives designed to support young entrepreneurs, freelancers, skilled workers, and small businesses across the province. Relaunched under the Asaan Karobar Finance Program, this scheme offers interest-free and subsidized business loans for new and existing businesses, enabling thousands of people to start or grow their livelihood.

Whether you are a graduate planning to start a startup, a home-based entrepreneur, or a small shop owner looking to expand, this guide explains complete eligibility, documents, loan types, amounts, and the full online registration process for the Punjab Rozgar Scheme 2025.

What is the Punjab Rozgar Scheme 2025?

The Punjab Rozgar Scheme is a government-backed financing program introduced by the Punjab Small Industries Corporation (PSIC) in collaboration with the Bank of Punjab (BOP). Its purpose is simple:

✔ Create new jobs
✔ Support entrepreneurship
✔ Provide financial access to those who cannot get traditional bank loans
✔ Boost small and medium enterprises (SMEs)

In the 2025 version, the government has upgraded the system with digital registration, online verification, financial literacy training, and faster loan approvals.

Loan amounts range from Rs. 100,000 to Rs. 3 crore, depending on your business category.

Why the Scheme Was Relaunched in 2025

The earlier versions of Punjab Rozgar (launched in 2020) helped thousands of unemployed individuals start businesses. However, the government recognized the need for a more transparent, digital, and quick system.

The 2025 relaunch includes:

Paperless documentation
Quick digital verification
Lower markups
Priority for youth, women & persons with disabilities
A new Asaan Karobar Card for financial identity

This makes the scheme more accessible than ever before.

Loan Categories & Amounts (Updated 2025)

Below is an easy breakdown of the latest loan categories:

Loan Type	Loan Range	Interest	Ideal For
Small Business	Rs. 10 lac – Rs. 50 lac	Interest-free	Retail shops, services, home businesses
Startups / Youth Projects	Rs. 5 lac – Rs. 20 lac	Interest-free	Tech startups, freelancers, new ventures
Medium Enterprises	Rs. 50 lac – Rs. 3 crore	Subsidized	Manufacturing, SMEs, production units
Clean Loans	Rs. 100,000 – Rs. 1,000,000	4% markup	Beginners, micro businesses
Secured Loans	Rs. 1,000,000 – Rs. 10,000,000	5% markup	Larger businesses needing expansion

This structure ensures that everyone — from new entrepreneurs to large SME owners — can take benefit.

Eligibility Criteria (Who Can Apply?)

To qualify for the Punjab Rozgar Scheme 2025, you must meet the following requirements:

✔ Age Requirement

20 to 50 years

✔ Domicile

Must be a resident of Punjab

✔ Education

Minimum Matric
OR technical/vocational training
OR relevant business skills

✔ Gender Eligibility

Male
Female
Transgender
Persons with disabilities (special priority)

✔ Business Type

New business
Existing business
Startup
Home-based business
Freelancing-related business

✔ Other Requirements

Valid CNIC
No bank loan default
Must provide a business plan
Must have a bank account

Required Documents for Application

Prepare the following documents before applying:

CNIC (Front & Back)
Punjab Domicile
Passport-size photos (2)
Educational or Technical Certificates
Business Plan or Proposal
Bank Account Details
Utility Bill (for address verification)
Income Proof (if available)

Tip: Double-check your documents to avoid approval delays.

How to Apply Online (Step-by-Step Guide)

The application process is completely digital. Follow the steps below:

Step 1: Visit the Official Portal

Go to:
https://rozgar.psic.punjab.gov.pk

Step 2: Click “Apply Online”

Select CM Punjab Rozgar Scheme 2025.

Step 3: Fill in Your Details

Provide accurate information:

Personal information
Business details
Financial data

Step 4: Upload Required Documents

Attach scanned copies of:

CNIC
Photos
Business plan
Certificates

Step 5: Submit the Form

After submission, you will receive a Tracking ID.

Step 6: Verification & Approval

PSIC and Bank of Punjab will verify your documents.
Approval usually takes 4–6 weeks.

Security & Collateral Requirements

Loan security depends on the loan size:

Up to Rs. 500,000

Personal guarantee only
Net worth statement

Rs. 500,000 to Rs. 1,000,000

Borrower’s guarantee +
Third-party guarantee
OR
Government employee (BPS 10+) guarantee

Above Rs. 1,000,000 to Rs. 10,000,000

Mortgage of property or vehicle
Clean title required

This structure protects the bank while making loans accessible to small entrepreneurs.

What is the Asaan Karobar Finance Scheme?

This is the upgraded framework under which Punjab Rozgar 2025 operates.

Key Features

Interest-free loans for small setups
Subsidized loans for medium businesses
Faster processing
Full online application
Partnership with Bank of Punjab (BOP)
Training sessions for business development

Who Benefits the Most?

Freelancers
Women entrepreneurs
Disabled individuals
Home-based workers
Tech startups
Youth with innovative ideas

What is the Asaan Karobar Card?

The Asaan Karobar Card acts as a digital business identity for loan holders. It offers:

Digital tracking of loan status
Easy withdrawal of funds
Transparent transactions
Access to training programs
Eligibility for future government incentives

Future updates planned include digital credit scoring and more support.

Benefits of the Punjab Rozgar Scheme 2025

Here’s why this scheme is considered one of the best business-support initiatives in Pakistan:

✔ Interest-free or subsidized loans

✔ Simple online registration

✔ Faster verification & processing

✔ Support for women & disabled persons

✔ Loans up to Rs. 3 crore

✔ Supports all sectors (service, trade, industry)

✔ Boosts employment through entrepreneurship

Each approved loan is expected to create 2 to 6 new jobs, driving economic growth.

Impact on Punjab’s Economy

The program will help:

Reduce unemployment
Strengthen SMEs
Increase home-based businesses
Promote digital entrepreneurship
Create job opportunities across Punjab

With more young people entering business, the province can expect long-term economic stability.

FAQs – Punjab Rozgar Scheme 2025

What is the maximum loan amount?

Up to Rs. 3 crore for medium enterprises.

Is the scheme still active?

Yes, the program is active under the Asaan Karobar Finance Scheme 2025.

Can women apply?

Yes! Women receive special priority and lower equity requirements.

Is the whole process online?

Yes, from application to tracking — everything is digital.

Who is eligible for interest-free loans?

Startups, youth, freelancers, small shops, and home-based workers.

Conclusion

The CM Punjab Rozgar Scheme 2025 is one of the most powerful opportunities for individuals who want to start or expand their business. With interest-free loans, subsidized financing, digital verification, and modern online registration, the Punjab government is empowering thousands of young people to become financially independent.

If you have a business idea or want to scale your existing setup, this scheme can help you turn your dream into a reality.