AKF Punjab Gov PK Login – Complete Guide to Asaan Karobar Finance Portal 2026
The akf.punjab.gov.pk login portal is the official online system for the CM Punjab Asaan Karobar Finance (AKF) scheme. This flagship initiative has been launched to support small and medium businesses (SMEs) across Punjab by offering interest-free loans up to PKR 30 million.
Many applicants search for the AKF login page to either access their existing account, track application status, or start a new loan application. This detailed guide explains everything in simple terms, from login steps to eligibility, loan tiers, and common issues faced by users.
What Is AKF Punjab Gov PK Portal?
The AKF portal belongs to the Asaan Karobar Finance, a major business financing program introduced by the Government of Punjab. The scheme aims to promote entrepreneurship, expand existing businesses, and create employment opportunities by providing Shariah-compliant, interest-free financing.
All applications, verifications, and status updates are handled digitally through akf.punjab.gov.pk, making the process transparent and trackable.
AKF Punjab Gov PK Login – Step-by-Step Process
If you already have an account or want to apply for the first time, follow these steps carefully.
WhatsApp ChannelStep 1: Visit the Official Website
Open your browser and go to akf.punjab.gov.pk.
Step 2: Click Login or Register
- Existing users should click Login
- New users must click Register or Sign Up first
Step 3: Enter Login Credentials
To log in, you will need:
- Your registered CNIC number
- The password you created during signup
Step 4: OTP Verification
For security purposes, the system may send a One-Time Password (OTP) to your registered mobile number. Enter the OTP to proceed.
Once verified, you will gain access to your AKF dashboard.
AKF Scheme Details for 2026 (Loan Structure)
The Asaan Karobar Finance scheme is divided into two loan tiers based on financing needs.
| Feature | Tier 1 (T1) | Tier 2 (T2) |
| Loan Amount | PKR 1M to 5M | PKR 6M to 30M |
| Interest Rate | 0% (Interest-Free) | 0% (Interest-Free) |
| Security | Personal Guarantee | Secured (Collateral) |
| Repayment Period | 5 Years | 5 Years |
| Grace Period | 3–6 Months | 3–6 Months |
This structure allows both small startups and established SMEs to benefit according to their scale.
Eligibility Criteria Before AKF Login & Apply
Before logging in to apply, make sure you meet the eligibility requirements:
- Age Limit: 25 to 55 years
- Tax Status: Must be an active Federal Board of Revenue filer
- Credit History: No bank default record
- Location: Business and residence must be in Punjab
- Business Space: Owned or rented commercial space required
- Documents:
- Valid CNIC
- NTN
- Financial statements (for existing businesses)
Meeting these conditions increases the chances of smooth approval.
How to Apply After Login
Once logged in:
- Select your loan tier (T1 or T2)
- Fill in personal and business details
- Upload required documents
- Review information carefully
- Submit your application
After submission, your application goes through verification and evaluation stages.
Common AKF Portal Issues & Solutions
“Site Not Loading” Error
Due to heavy traffic, government portals may load slowly. Try:
- Refreshing the page
- Clearing browser cache
- Using incognito/private mode
- Accessing the site during off-peak hours
Forgot Password
Click on Forgot Password on the login page. A reset link or OTP will be sent to your registered mobile number or email.
Technical Support & Helpline
If issues persist, contact the official helpline:
AKF Helpline: 1786
Final Words
The akf.punjab.gov.pk login portal is the central gateway for accessing Punjab’s largest interest-free business financing scheme. If you are a serious entrepreneur or SME owner, make sure your documents are ready and apply directly through the official website.
This guide ensures you understand the login process, eligibility rules, loan structure, and problem-solving steps so you can move forward confidently.
