Updates are summarised from official announcements — verify details on the official portal of each scheme.
Independent guide to Punjab's interest-free housing loans, youth business finance, Kisan cards, and student subsidies. Check your eligibility in 60 seconds.
In-depth articles, authentic eligibility guides, 0% markup breakdown, and official online application walkthroughs.
Compare limits, markup rates, repayment tenures, and official portals at a glance.
| Scheme Name | Max Amount | Markup Rate | Tenure | Official Portal |
|---|---|---|---|---|
| Apni Chhat Apna Ghar | PKR 15 Lakh | 0% Interest Free | 7 Years (84 Months) | acag.punjab.gov.pk |
| CM Punjab Kisan Card | PKR 30k/acre (up to 1.5 Lakh) | 0% Interest Free | 6 Months (Crop Cycle) | agripunjab.gov.pk |
| Asaan Karobar Card | PKR 10 Lakh (1 Million) | 0% Interest Free | 3 Years | akc.punjab.gov.pk |
| Asaan Karobar Finance (Inc. 1 Crore) | PKR 10 Lakh to 3 Crore | 0% for Borrower | Up to 5 Years | akf.punjab.gov.pk |
| CM Livestock Card | PKR 27,000 per animal | 0% Interest Free | 4 Months (Feed Cycle) | livestock.punjab.gov.pk |
| Parwaaz Card (Foreign Employment) | PKR 10 Lakh | 0% Interest Free | 2 Years | parwaaz.psdf.org.pk |
| Honahaar Merit Scholarship | 100% Tuition Fee Grant | No repayment — Grant | Degree Duration (4-5 Yrs) | punjabhec.gov.pk |
Answer 4 quick questions to see which schemes may match you.
0% markup interest-free business finance for traders, manufacturers, and service enterprises in Punjab.
Estimate your monthly installment transparently. Government subsidized schemes have 0% markup for eligible borrowers.
• Government-announced installment: approx. PKR 14,000/month (as announced for Apni Chhat Apna Ghar under subsidized terms).
• Simple 0% estimate: PKR 17,857/month (15,00,000 ÷ 84 months) — the Bank of Punjab issues the finalized binding schedule.
cmloanschemes.pk is an independent, unofficial informational guide dedicated to public awareness, financial literacy, and citizen education. This website is NOT affiliated with, endorsed by, or representing the Government of Pakistan, the Government of Punjab, the Bank of Punjab (BOP), or any official state institution. We do NOT process loans, accept applications, or collect any personal CNIC information or fees. To register or submit applications, citizens must always use official government portals (such as akf.punjab.gov.pk, acag.punjab.gov.pk).
