Assalamu Alaikum friends, the Punjab Chief Minister Rozgar Scheme has been officially launched. Friends, if you belong to Punjab and your age is between 20 and 50 years, then you can get a loan for business purposes. Friends, if you want to take a loan on personal guarantee, on the basis of your identity card, then you will be given a loan of one lakh to one million rupees. If you want to get a loan between one million rupees and one crore rupees, then you will need a guarantee for it. You will have to repay this loan with monthly installments within five years. If you want to start a new business, you will get a loan for that. If you already have a business, then you can also get a loan for that. Read this article till the end to know the complete details. This is your golden opportunity! Through this scheme, you can apply for a business loan ranging from Rs. 100,000 to Rs. 10 million (1 crore), depending on your needs and eligibility.
Table of Contents
Who Can Apply for Punjab Rozgar Scheme 2025?
The scheme is open for:
- Males, females, and transgender individuals.
- Residents of Punjab with valid CNIC.
- Individuals aged 20 to 50 years.
- People with business ideas or existing businesses.
- Applicants with degrees, diplomas, or skill certificates (TEVTA, NAVTTC, etc.) will be given preference.
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Loan Details and Security Conditions
| Loan Amount | Security Required |
| Rs. 100,000 to Rs. 500,000 | Only personal guarantee and income details |
| Rs. 500,001 to Rs. 1,000,000 | Personal guarantee + 1 third-party guarantor (BPS-10 govt employee or equivalent) |
| Rs. 1,000,001 to Rs. 10,000,000 | Tangible collateral (Property, Vehicle, Commercial or Residential Assets) required |
- Grace Period: 6 months (to stabilize business before repayment)
- Repayment Tenure: 2 to 5 years
Processing Fee: Rs. 2,000 (non-refundable) - Equity Contribution: Males: 20% of the business cost. Females & Transgenders: 10% only
Punjab Rozgar Scheme Online Application Process
- Visit the official site: https://rozgar.psic.punjab.gov.pk
- Click on the “Chief Minister Punjab Rozgar Scheme” banner/logo.
- Sign up as a new applicant with your name, mobile number, CNIC, and set a password.
- Log in with your credentials.
- Click on “New Application” and choose “Punjab Rozgar Loan”.
- Fill all required sections:
- Personal Info
- Business Info (new or existing)
- Credit History
- Guarantor/References
- Upload scanned documents (CNIC, picture, educational/skill certificates)
- Review & Submit your application.
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Required Documents for the Punjab Rozgar Scheme
Make sure to keep these ready in scanned format:
- Copy of CNIC
- Passport-size photo
- Educational or Skill Certificate (optional but preferred)
- Proof of experience (if applicable)
- Business plan or existing business details
- Guarantor details and financial capacity (if needed)
- Property or asset documents (if applying above Rs. 10 lakh)
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Loan Disbursement & Monitoring
- The Bank of Punjab (BOP) is the official disbursing partner.
- Once approved, the loan amount will be directly transferred to your account.
- You must start repayment after the grace period ends.
- Business progress may be monitored by government teams during the tenure.
Final Thoughts
The Chief Minister Punjab Rozgar Scheme 2025 is a powerful tool to reduce unemployment and promote entrepreneurship. Whether you’re a graduate with a fresh idea or a small business owner looking to grow, this scheme gives you financial strength without the hassle of traditional loans. The entire process is online, transparent, and merit-based. Don’t miss this opportunity to shape your future and contribute to Pakistan’s economy.
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