Bigger News! Check CM Punjab Loan Scheme Status by CNIC 2026 Official Portal

The CM Punjab Loan Scheme 2026 is the most significant financial empowerment initiative launched by Chief Minister Maryam Nawaz Sharif. This year, the Punjab government has significantly increased the budget and scope of these programs to include interest-free business loans, affordable housing, and agricultural subsidies. With a 100% digital application process, the government aims to eliminate middlemen and ensure that every eligible citizen of Punjab can benefit from these life-changing opportunities.

CM Punjab Loan Schemes 2026: Quick Facts

Scheme Category	Loan Amount	Primary Benefit	Application Status
Asaan Karobar Loan	Up to PKR 1,000,000	0% Interest for Startups	Open until Feb 15, 2026
Apni Chhat Apna Ghar	Up to PKR 1,500,000	Interest-Free Housing Loan	Ongoing (Multi-Phase)
Kisan Card (Agri)	Rs. 30,000 per Acre	Fertilizer & Seed Subsidy	Active for 2026 Season
Parwaz Card (Education)	Up to PKR 2,000,000	Overseas Student Support	Open (Jan 5 – Jan 28, 2026)

CM Punjab Asaan Karobar Finance (Business Loans)

The CM Punjab Asaan Karobar Finance program is designed for entrepreneurs who want to launch or expand their business. For the 2026 cycle, loans up to PKR 1 million are being provided with 0% interest. These loans are disbursed through a digital “Asaan Karobar Card” in partnership with the Bank of Punjab (BOP).

Loan Limits: Tier 1 (Up to 1M) is interest-free; Tier 2 (Up to 30M) has subsidized rates.
Repayment Tenure: 3 years (includes a 12-month revolving credit period).
Official Link: akc.punjab.gov.pk

Apni Chhat Apna Ghar Housing Scheme 2026

This is one of the largest housing initiatives in Pakistan’s history. The government provides interest-free loans of up to PKR 1.5 million for building houses on plots of up to 5 marla in urban areas and 10 marla in rural areas. The repayment is highly affordable, with monthly installments of approximately PKR 14,000.

Feature	Requirement / Detail
Eligibility	Punjab Domicile & No current home ownership
Repayment Period	7 Years
Markup Rate	0% (Pure Interest-Free)
Verification	NADRA & PMT Score (verified through PSER)

CM Punjab Kisan Card & Parwaz Card 2026

For the agricultural sector, the CM Punjab Kisan Card 2026 provides small farmers with loans up to Rs. 150,000 per season. These funds are used to buy quality agricultural inputs like seeds and fertilizers. Meanwhile, the Parwaz Card 2026 supports students and skilled workers going abroad. It covers visa fees, travel, and tuition costs up to PKR 2 million.

Kisan Card Registration: Send your CNIC to 8070 or visit agripunjab.gov.pk.
Parwaz Card Deadline: Applications are open from January 5 to January 28, 2026.

Step-by-Step Online Application Process

To apply for any CM Punjab Loan Scheme 2026, follow this verified digital process:

Visit the Portal: Go to punjab.gov.pk/loan2026 or the specific scheme link.
Create Account: Register using your CNIC and a mobile number registered in your name.
Submit Details: Fill in your personal information, income status, and business/land details.
Upload Documents: Attach scans of your CNIC, Photo, and proof of residence (Utility Bill/Domicile).
Track Status: Use your CNIC on the portal’s “Check Status” tab to see if your application is approved.

Important Note for Applicants

The registration for all CM Punjab Loan Schemes 2026 is 100% free. The Punjab government does not charge any processing fees. Avoid any person or social media page asking for money in exchange for “guaranteed approval.” Always use official government websites ending in .gov.pk for your safety.