Maryam Nawaz Loan Scheme November 2025 – Easy Business Financing in Punjab
Introduction to Maryam Nawaz Loan Scheme (2025)
Maryam Nawaz Loan Scheme 2025, officially known as the Aasaan Karobar Finance Scheme, is a major initiative launched to support young entrepreneurs, students, freelancers, women, and small business owners in Punjab. The goal of this scheme is to provide interest-free loans, easy repayment options, and financial support for those who want to start or expand their businesses. This program aims to reduce unemployment, promote self-employment, and create economic opportunities across the province.
What Is the Maryam Nawaz Loan Scheme?
This scheme provides Qarz-e-Hasna (interest-free loans) to people who want to launch new startups or grow their existing businesses. It also introduces the Aasaan Karobar Card, which helps individuals pay for business-related expenses conveniently. With dedicated quotas for women, youth, skilled individuals, and disabled persons, the scheme ensures equal opportunities for all.
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Key Features and Benefits
- 0% interest loans (no markup at all)
- Loan amounts from PKR 100,000 to PKR 3 million+
- Easy monthly installments
- Special quota for women and differently abled persons
- Designed for startups, freelancers, small businesses, and SMEs
- Opportunity to grow without financial pressure
- Priority for young and skilled individuals
Loan Categories Under the Scheme
a) Micro Loans
Range: PKR 100,000 – PKR 500,000
Suitable for: home businesses, online stores, freelancers, shop owners
b) Small to Medium Loans
Range: PKR 500,000 – PKR 1 million
Best for: growing businesses, service providers, traders
c) SME Loans
Range: PKR 1 million – PKR 3 million+
Ideal for: manufacturing units, wholesale businesses, established services
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Eligibility Criteria
To apply for the Maryam Nawaz Loan Scheme, applicants must meet the following conditions:
- Must be a resident of Punjab
- Age requirement: 18 to 55 years
- Must have a valid CNIC
- Should have a business idea or an existing business
- Women, disabled persons, and transgender individuals are strongly encouraged
Documents Required
You will need the following documents:
- CNIC copy
- Passport-size photo
- Proof of residence
- Business plan or basic idea
- Educational or skill certificates (if applicable)
- Bank account details
How to Apply for Maryam Nawaz Loan Scheme
Follow these steps to apply:
- Visit the official Punjab government portal:
👉 https://punjab.gov.pk - Create an account with your CNIC and phone number.
- Choose the loan category you want.
- Upload the required documents.
- Submit your business plan.
- Wait for verification and approval.
Once approved, the amount will be transferred to your bank or provided through the Aasaan Karobar Card.
For updated notifications, also check:
👉 Punjab Rozgar Program (Government Link)
Who Can Benefit from This Scheme?
This scheme is ideal for:
- Students
- Freelancers
- Women entrepreneurs
- Shopkeepers
- Tailoring businesses
- Beauty salons
- Small manufacturing units
- Tech startups
- Skilled workers (electricians, plumbers, mechanics)
Anyone with a genuine business idea can benefit.
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Business Ideas You Can Start With This Loan
Some profitable business options include:
- Online e-commerce store
- Graphic designing or freelancing setup
- Food cart or takeaway kitchen
- Beauty salon or barber shop
- Dairy and livestock business
- Clothing boutique
- Mobile accessories shop
- Repair services
- Small manufacturing unit
These ideas require low to medium investment and offer high returns.
Repayment Method
- The scheme offers easy monthly installments.
- Repayment time: 3 to 5 years depending on loan type.
- No interest is charged — only the principal amount must be returned.
Latest Updates on Maryam Nawaz Loan Scheme 2025
As of November 2025, the government has increased funding and expanded the eligibility categories to include more youth and skilled workers. The application portal is expected to receive thousands of new applicants as awareness grows across Punjab.
More updates will be added as the scheme evolves.
You can check updates here:
👉 Punjab Government News Portal
Conclusion
The Maryam Nawaz Loan Scheme 2025 is a great opportunity for anyone in Punjab looking to start or grow a business. With interest-free loans, simple requirements, and a clear application process, this initiative provides strong financial support to students, young entrepreneurs, women, and small business owners. If you have a business idea and need funding, this scheme can help you take the next step toward financial independence.
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