AKF Punjab Gov PK Login 2026 – Complete Guide to Asaan Karobar Finance Portal
The AKF Punjab Gov PK login portal is the official online platform for the Asaan Karobar Finance (AKF) scheme, a flagship program by the Government of Punjab. Designed to empower small and medium businesses (SMEs), it provides Shariah-compliant, interest-free loans ranging from PKR 1 million up to PKR 30 million.
Whether you want to access your account, track an application, or submit a new loan request, this guide covers everything for 2026 — from login steps to eligibility, loan tiers, and common issues.
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What Is the AKF Punjab Gov PK Portal?
The AKF portal (akf.punjab.gov.pk) is the digital hub for the Asaan Karobar Finance scheme, aimed at:
- Promoting entrepreneurship in Punjab
- Supporting small and medium enterprises
- Creating employment opportunities
- Offering a fully transparent, digital loan application and tracking system
All applications, verifications, and updates are managed online, eliminating the need for repeated office visits.
How to Login to AKF Punjab Gov PK – Step by Step
Step 1: Open the Official Website
Visit: akf.punjab.gov.pk
Step 2: Choose Login or Register
- Existing users: Click Login
- New applicants: Click Register / Sign Up first
Step 3: Enter Your Credentials
Provide:
- Your registered CNIC number
- Your password created during signup
Step 4: OTP Verification
For security, the system will send an OTP to your registered mobile number. Enter the code to access your dashboard.
Once verified, you can manage your applications, upload documents, and check loan status.
AKF Loan Structure for 2026
The AKF scheme is divided into two loan tiers depending on business size and financing requirements:
| Feature | Tier 1 (T1) | Tier 2 (T2) |
|---|---|---|
| Loan Amount | PKR 1M – 5M | PKR 6M – 30M |
| Interest Rate | 0% (Interest-Free) | 0% (Interest-Free) |
| Security | Personal Guarantee | Collateral Required |
| Repayment Period | 5 Years | 5 Years |
| Grace Period | 3–6 Months | 3–6 Months |
This system allows both startups and established SMEs to benefit based on their scale and financial needs.
Eligibility Criteria Before Login & Application
Ensure you meet the following requirements to increase approval chances:
- Age: 25–55 years
- Tax Status: Active FBR filer
- Credit History: No defaults
- Location: Punjab-based business and residence
- Business Space: Must be owned or rented commercial property
- Documents Needed: Valid CNIC, NTN, and financial statements (for existing businesses)
How to Apply After Login
- Select your loan tier (T1 or T2)
- Fill in personal and business information
- Upload required documents
- Review details carefully
- Submit your application
After submission, your application goes through verification and evaluation, which can be tracked via your dashboard.
Common AKF Portal Issues & Solutions
1. Site Not Loading
- Refresh the page
- Clear browser cache
- Use incognito/private mode
- Access during off-peak hours
2. Forgot Password
- Click Forgot Password on login page
- Receive a reset link or OTP on your registered mobile/email
3. Persistent Issues
- Contact the AKF Helpline: 1786 for guidance
Final Words
The AKF Punjab Gov PK login portal is your direct gateway to Punjab’s largest interest-free business financing program. Whether you are a startup or an existing SME, make sure your CNIC, NTN, and financial documents are ready for submission.
