Punjab Rozgar Scheme 2025 Officially Launched – Get Business Loans Up to Rs. 1 Crore
The Punjab Rozgar Scheme 2025 has officially begun, offering financial support to aspiring entrepreneurs and existing business owners in Punjab. If you are a resident of Punjab and between the ages of 20 and 50, you can now apply for a business loan under this scheme.
Key Features of Punjab Rozgar Scheme 2025
- Loan Amount:
- Personal Guarantee Loan (Based on CNIC): Rs. 100,000 to Rs. 1,000,000
- Collateral-Based Loan: Rs. 1,000,000 to Rs. 10,000,000
- Repayment Period: 2 to 5 years (with a 6-month grace period)
- Eligibility: Punjab residents aged 20-50 (male, female, or transgender)
- Priority Given To: Applicants with degrees, diplomas, or skill certifications
Eligibility Criteria for Punjab Rozgar Scheme 2025
To qualify for the Punjab Rozgar Scheme, you must meet the following requirements:
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Who Can Apply?
✅ Age: 20 to 50 years
✅ Residency: Must be a resident of Punjab
✅ Gender: Open to males, females, and transgender individuals
✅ Business Status: Both new and existing businesses are eligible
Required Documents
- Copy of CNIC
- Recent photograph
- Educational certificates (degree/diploma/skill certifications, if applicable)
- Business experience certificate (for existing businesses)
Loan Types & Conditions
1. Personal Guarantee Loan (No Collateral Required)
- Loan Range: Rs. 100,000 – Rs. 1,000,000
- Guarantee: Based on CNIC
- Repayment: Monthly installments over 2-5 years
2. Collateral-Based Loan (Higher Amounts)
- Loan Range: Rs. 1,000,000 – Rs. 10,000,000
- Guarantee: Requires property/asset as security
- Repayment: Monthly installments over 2-5 years
Equity Contribution Requirement
- Male Applicants: Minimum 20% equity in the business
- Female/Transgender Applicants: Minimum 10% equity
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How to Apply for Punjab Rozgar Scheme 2025?
Step-by-Step Application Process
- Visit the Official Website:
- Go to Bank of Punjab’s official website
- Click on “Punjab Rozgar Scheme”
- Registration:
- Click on “Applicant Sign Up”
- Fill in personal details (name, email, phone number)
- Click “Register”
- Login & Start Application:
- Log in using your credentials
- Select “New Application”
- Upload Required Documents:
- CNIC copy
- Photograph
- Educational/business documents
- Select Loan Type:
- Choose between Punjab Rozgar Loan or Punjab Green Development Loan
- Complete Application Form:
- Fill in personal, business, and financial details
- Submit the form
- Review & Submit:
- Verify all details
- Click “Submit”
Punjab Rozgar Scheme 2025 – FAQs
Q1: What is the maximum loan amount under this scheme?
- Answer: Up to Rs. 1 crore (with collateral)
Q2: Is there any processing fee?
- Answer: Yes, a non-refundable processing fee of Rs. 2,000 applies.
Q3: What is the interest rate?
- Answer:
- Small Loans (Up to Rs. 1 million): 4% markup
- Larger Loans (Above Rs. 1 million): 5% markup
Q4: Can women apply for this loan?
- Answer: Yes, female and transgender applicants are encouraged to apply.
Q5: How long does it take to get loan approval?
- Answer: The approval process may take a few weeks after document verification.
Conclusion – Start Your Business with Punjab Rozgar Scheme 2025
The Punjab Rozgar Scheme 2025 is an excellent opportunity for entrepreneurs to secure financial support for their business ventures. Whether you need a small loan (Rs. 100,000) or a larger investment (up to Rs. 1 crore), this scheme provides flexible repayment options and low markup rates.
Don’t miss this chance! Apply online today and take the first step toward business success.
🔗 Apply Now: Punjab Rozgar Scheme Official Portal
For any queries, leave a comment below! 🚀