CM Punjab Rozgar Scheme 2025 – Start Your Business

Q: 1. What is the maximum loan limit under the CM Punjab Rozgar Scheme?

You can apply for up to Rs. 10 million , depending on your business plan and eligibility.

Q: 2. Is the loan interest-free for all applicants?

No, markup depends on the loan category — small loans are interest-free , while larger ones have 4%–6% interest .

Q: 3. Can women apply for this scheme?

Absolutely! The government has reserved a special quota for women entrepreneurs to promote gender equality in business.

Q: 4. How long does it take to get loan approval?

After online submission, it usually takes 30–45 days for bank verification and loan processing.

Q: 5. Do I need collateral or a guarantor to apply?

Collateral may be required for higher loan categories, but micro and small loans are often approved on guarantor basis only.

Oct 14, 2025

The Government of Punjab has launched the CM Punjab Rozgar Scheme 2025 to support youth, small business owners, and aspiring entrepreneurs. This program provides interest-free and low-interest business loans so people can start or expand their ventures with ease.

It’s a golden opportunity for the youth of Punjab to achieve self-reliance and contribute to Pakistan’s growing economy.

What is the CM Punjab Rozgar Scheme 2025?

The CM Punjab Rozgar Scheme 2025 aims to reduce unemployment by offering financial assistance to eligible individuals.
Through this initiative, the government provides loans ranging from Rs. 100,000 to Rs. 10 million at minimal markup.

The scheme is being executed by the Bank of Punjab (BOP) in collaboration with the Punjab Small Industries Corporation (PSIC) to ensure fair, transparent, and digital processing.

Key Features of the Scheme

Feature	Details
Program Name	CM Punjab Rozgar Scheme 2025
Announced By	Chief Minister Punjab
Loan Range	Rs. 100,000 – Rs. 10,000,000
Markup Rate	0% – 6%
Loan Duration	Up to 8 years (with grace period)
Eligible Age	21 – 45 years (18 for IT startups)
Eligible Applicants	Youth, women, skilled workers, entrepreneurs
Partner Bank	Bank of Punjab (BOP)
Application Method	Online via rozgar.psic.punjab.gov.pk

Who Can Apply?

✅ Must be a resident of Punjab with valid CNIC
✅ Age: 21–45 years (18+ for IT/e-commerce businesses)
✅ Must have a feasible business idea or existing setup
✅ Women and differently-abled persons are highly encouraged
✅ Applicant must not be a bank defaulter

Loan Categories and Repayment Details

Micro Loans (Rs. 100,000 – Rs. 500,000)
Interest-free loans for home-based and small setups.
Small Business Loans (Rs. 500,000 – Rs. 5 million)
Low-interest (4%) loans for traders, shop owners, and service providers.
Medium Enterprise Loans (Rs. 5 million – Rs. 10 million)
6% markup loans for factories, agricultural projects, or expansion plans.

How to Apply Online

Follow these simple steps to apply for the scheme:

Visit https://rozgar.psic.punjab.gov.pk
Click on “Apply Now”
Fill out your personal and business details
Upload CNIC, photo, and business plan
Submit the form and note your Tracking ID
Wait for BOP to verify and process your application

⚠️ Note: Avoid agents — the process is 100% free and online.

Why This Scheme Matters

This program promotes entrepreneurship and job creation by providing young people with access to affordable financing.

✅ Empowers youth & women
✅ Creates employment across Punjab
✅ Supports new startups and innovation
✅ Encourages local trade and productivity
✅ Strengthens Pakistan’s small business sector

Final Thoughts

The CM Punjab Rozgar Scheme 2025 is a beacon of hope for thousands of young Pakistanis.
With transparent processing, minimal markup, and wide eligibility, it gives everyone a chance to start a business and become financially independent.

If you’ve ever dreamed of owning a business — this is your moment.
Apply today and build your success story with Punjab’s support.