Assalamu Alaikum friends, today I am going to tell you two important things about the Punjab Easy Business Card Scheme. Number one, friends, under the Punjab Government’s Easy Business Card Scheme, many people had applied for a loan of Rs 1 million. Someone’s loan has been approved up to Rs 1 million. Someone’s loan has been approved up to Rs 2 million. Someone’s loan has been sent for five approvals. So what are the reasons for not getting approval for this amount?
In this article, I am going to tell you in detail. Along with this, friends, many people have applied online for the Punjab Government’s Easy Business Card Scheme. Their application has not been verified yet. The process has not started on their application yet. So if you want to get your application processed as soon as possible, then you have to follow some important steps so that you will know as soon as possible that your application is approved. If your application is not approved, then you will be told even then. So these two things are what I’m going to tell you in detail within the article.
Let’s dive into the two main reasons behind this and how you can officially file a complaint if your application is still pending or stuck in verification.
Table of Contents
Reason #1 –Asaan Karobar Card Weak Bank Statement & Business Details
If you received a lower amount than what you applied for, the main cause is usually related to your bank statement and business information provided during the application.
- When you applied online, you were asked to upload a 1-2 years bank statement.
- If your transaction history was weak or your account was not active, it created doubts about your financial capacity.
- The review team also looked at your business income, monthly expenses, and your ability to repay the loan.
So, if your documents didn’t reflect a strong financial background, that’s likely why your loan was reduced from Rs. 10 lakh to a smaller amount.
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Reason #2 –Asaan Karobar Card Application Still in Verification
Thousands of applicants are still waiting for their applications to be verified or even reviewed. If your loan status is “pending” for a long time, it might be because:
- Your documents haven’t passed the initial verification stage.
- Your CNIC, vehicle token tax, FBR record, or other credentials are not yet confirmed.
- You didn’t receive a verification badge (✅ check mark), which indicates completion of these checks.
What You Can Do Now –Asaan Karobar Card Complaint Submission Guide
If you feel your application is unfairly delayed or wrongly evaluated, you have two strong options:
1. Use the Official Complaint Portal
- Go to the Asaan Karobar Card website where you applied.
- Click on the “Complaint” section on the top right.
- A list of multiple options will appear (e.g., Not Verified, Not in Active Taxpayer List, etc.).
- Choose the one that applies to your issue and write your complaint in detail.
2. Call the Helpline Numbers
- Punjab Helpline: 1786
- Bank of Punjab Support: They can tell you why your loan amount was reduced or why your case is pending.
Mention your CNIC number, the date you applied, and the problem you’re facing.
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Common Loan Issues & Solutions
| Issue | Reason | Suggested Action |
| Loan less than Rs. 10 lakh | Weak bank statement or business income | Upload a stronger updated statement |
| Application still pending | Verification not started | File a complaint through portal or helpline |
| No badge/tick mark on verification | CNIC or vehicle details not verified | Recheck documents, contact support |
| Application rejected | Incomplete or mismatched information | Submit a complaint and correct the errors |
Final Thoughts
The Asaan Karobar Card Scheme is a golden opportunity for small business owners in Punjab. But success depends on how correctly and strongly you present your documents. If your loan was approved for less, it doesn’t mean you were rejected; it simply reflects your current financial profile.
And if your application is still stuck, don’t wait silently and take action! File a complaint or call the helpline. Thousands have already benefited, and you could be next once your issue is resolved.
Stay alert, stay active – and your loan will come through.