National Skills Development Program
Government of Punjab supported
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National Skills Development Program
Government of Punjab supported
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Government of Punjab initiative
آسان کاروبار کارڈ — اپنا کاروبار شروع کریں، آگے بڑھائیں
Up to PKR 1 million at 0% interest through a digital SME card — helping NSDP-trained young entrepreneurs in Punjab start, sustain and grow their businesses.
0% interestup to PKR 1 millionKey features
Funds are used through digital channels — the mobile app and POS — for structured and transparent business spending.
What you can use it for
Eligibility
Not enrolled yet? You must complete at least 90% of an NSDP course to qualify. Find your NSDP course
Starting a new business?
Free feasibility studies for startups and new businesses are available on the PSIC and Bank of Punjab websites.
Usage & repayment
Available to use within the first 6 months.
Repayment starts 3 months after card issuance — a minimum monthly payment of 5% of the outstanding principal.
Released on satisfactory usage, regular repayments and registration with PRA/FBR.
The remaining balance after the first year is repaid over 2 years in equal monthly instalments.
Before you apply
How to apply
Join an NSDP course and complete at least 90% of it.
Give accurate personal, academic and business details.
Provide all required documents for verification and eligibility assessment.
After credit and psychometric assessment, approved applicants receive their card.
FAQs
Up to PKR 1 million through a digital SME card, at 0% end-user interest.
Have your CNIC, NSDP registration email and business details ready.
© 2026 National Skills Development Program. All rights reserved.A Government of Punjab supported program · Under the vision of the Governor of Punjab