How To Get 7–15 Lac Business Loan by Zarkhaiz-e Asaan Digital Qarza – Complete Guide 2025
Business Loan by Zarkhaiz-e Asaan Digital Qarza
If you are a small business owner, startup founder, freelancer, or shopkeeper in Pakistan and poverty a quick business loan between 7 to 15 lakh rupees, the Zarkhaiz-e Asaan Digital Qarza package can help you. This scheme is calculated to support youth and micro-entrepreneurs by offering digital, fast, and low-markup commercial loans through a fully online process. In 2025, the government further better-quality the scheme to brand it easier to smear, verify leaflets, and get approval without long bank visits.
Below is a complete A-to-Z guide to help you understand eligibility, documents, benefits, and the full application process.
Quick Information Table for Business Loan by Zarkhaiz-e Asaan Digital Qarza
| Field | Details |
|---|---|
| Program Name | Zarkhaiz-e Asaan Digital Qarza |
| Start Date | 2025 (Latest Cycle) |
| End Date | Continues throughout 2025 |
| Loan Amount | Rs. 700,000 to Rs. 1,500,000 |
| Markup | 0% to 5% (based on category) |
| Method of Application | 100% Online (Digital Portal) |
| Disbursement Time | 25–30 Working Days |
| Who Can Apply | Youth, small businesses, startups |
What Is Zarkhaiz-e Asaan Digital Qarza Loan Scheme?
Zarkhaiz-e Asaan Digital Qarza is a digitally managed business loan scheme presented to give support to small and medium business owners across Pakistan. The loan offers interest-free or low-markup financing, contingent on the loan amount and risk profile. This scheme is particularly beneficial for:
- Shopkeepers
- Freelancers
- Women entrepreneurs
- E-commerce sellers
- Small manufacturers
- Home-based businesses
Key Features & Benefits of the Loan
Main Advantages
- Loan Range: Rs. 700,000 to Rs. 1,500,000
- Markup: 0% for small loans, up to 5% for higher slabs
- Collateral Required: Mostly not required
- Application: Fully online and paperless
- Approval Time: 30 working days
- Repayment Tenure: Up to 5 years, easy installments
Why This Scheme Is Important for Pakistan
- Encourages entrepreneurship
- Reduces youth unemployment
- Supports digital transformation
- Strengthens small businesses
Step-by-Step Method – How To Apply for Zarkhaiz-e Asaan Loan
Follow this easy, updated 2025 procedure:
Step 1 – Create an Account on PMYP Portal
Visit the official government portal: pmyp.gov.pk
Create an account using:
- CNIC number
- Mobile number
- Email (optional)
Step 2 – Fill in the Online Application Form
You must enter:
- Personal information
- Business details
- Financial information
- Monthly income
Step 3 – Upload Required Documents
Scanned documents must be clear (JPEG or PDF).
Step 4 – Submit Your Business Plan
You can upload your own or use the government-provided template.
Step 5 – Verification & Approval
You may receive:
- SMS verification
- Call verification
- Email updates
Step 6 – Loan Disbursement
Once approved, the amount is transferred directly to your bank account within 25–30 working days.
Eligibility Criteria for Zarkhaiz-e Asaan Digital Qarza
You must Business Loan by Zarkhaiz-e Asaan Digital Qarza:
- Be a Pakistani citizen
- Have a valid CNIC
- Be between 21–45 years old
- Have a business idea or existing small business
- Not be a bank defaulter
- Apply online through the portal
Women, differently-abled persons, and youth from rural areas get priority.
Required Documents for the Loan
| Document | Details |
|---|---|
| CNIC | Valid, unexpired |
| Photograph | Passport size |
| Business Plan | Detailed and realistic |
| Bank Account | Must be active |
| Utility Bill | For address verification |
| Business Proof | Optional but helpful |
Tips to Increase Your Approval Chances
- Submit a strong business plan
- Provide correct information
- Keep your bank account active
- Take online training courses
- Respond quickly to calls/SMS
Best Businesses to Start with 7–15 Lac Loan
| Loan Amount | Business Ideas |
|---|---|
| Rs. 7–10 Lac | Mobile shop, fast-food truck, online boutique |
| Rs. 10–12 Lac | Digital printing, solar shop, supermarket |
| Rs. 12–15 Lac | Small manufacturing, mini restaurant, agri tools |
FAQs – Business Loan by Zarkhaiz-e Asaan Digital Qarza
Is this loan interest-free?
Yes, small-tier loans are interest-free; higher tiers have low markup.
Do I need a business registration?
No, a simple business idea is enough.
How long does approval take?
25–30 working days.
Can women apply?
Yes, women receive priority.
Is the application online or offline?
100% online.
Final Thoughts
Business Loan by Zarkhaiz-e Asaan Digital Qarza is a powerful opportunity for anybody in Pakistan who needs to start a occupational but doesn’t have the capital. With a simple online request, flexible payment, and no heavy security requirements, it is one of the best business support schemes for 2025. If you have a good business impression, this is the right period to apply and grow your future.
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