Loans & Home Finance · Money
The CM Punjab schemes 2026 list in one table: who each Maryam Nawaz scheme is for, what it gives, how to apply, and which are open as of 21 Oct 2026.
AI Summary
As of 21 October 2026, six CM Punjab schemes were running with no closing date: Apni Chhat Apna Ghar (0% home loan up to Rs 15 lakh), the Asaan Karobar Card and Finance (0% business loans up to Rs 10 lakh and Rs 3 crore), Livestock Card Phase II (Rs 27,000 per animal), the Kissan Card, and the Himmat and Rashan cards. The e-bike (closed 4 Oct), green tractor (15 Oct), laptop Phase II and solar rounds are closed. BISP and the PM Youth loan are federal, not Punjab schemes.
Our CM Punjab schemes 2026 list covers 11 Maryam Nawaz programmes with their own guide, plus four smaller ones. As of 21 October 2026, six were running with no closing date: Apni Chhat Apna Ghar, the Asaan Karobar Card and Finance, Livestock Card Phase II, the Kissan Card, the Himmat Card and the Rashan Card. The e-bike scheme closed on 4 October and the green tractor round on 15 October.
Each row below links to a full guide with the eligibility rules, documents and steps. Status lines come from those guides, checked between 17 and 20 October 2026, and from news up to 21 October. Several Punjab government sites didn’t open for us, so where a status comes from news, the guide says so.
| Scheme | Who it’s for | What you get | How to apply | Status (21 Oct 2026) |
|---|---|---|---|---|
| Apni Chhat Apna Ghar | Low-income families with a plot up to 5 marla (city) or 10 marla (village) | 0% loan up to Rs 15 lakh, Rs 14,000 a month | Online at acag.punjab.gov.pk | Open, no closing date found |
| Asaan Karobar Card and Finance | People with an existing or planned business in Punjab; card for ages 21 to 57 | 0% card loan up to Rs 10 lakh; Finance up to Rs 3 crore | Online (portal didn’t open for us) | “Ongoing” per PSIC, no closing date |
| Livestock Card | Livestock farmers | 0% loan of Rs 27,000 per animal for feed | Livestock Department portal or 0800-09211 | Open: Phase II started 14 Oct 2026 |
| Himmat Card | Persons with disabilities assessed as not fit to work, PMT 45 or below | Rs 10,500 a quarter | DPMIS portal, helpline 1312 | Running, no new intake date announced |
| Rashan Card | Workers registered with Punjab Social Security | Rs 3,000 of groceries a month | PSER portal, union council office or e-Khidmat Markaz | Running and being expanded |
| Kissan Card | Farmers owning 1 to 25 acres | 0% input loan, Rs 30,000 an acre up to Rs 360,000 (undated poster) | SMS “PKC” and your CNIC to 8070 | Running, in its fourth repayment round; no last date for new applicants found |
PMT is the poverty score from the government’s household survey. PESSI is the Punjab Employees Social Security Institution.
| Scheme | Who it’s for | What you got | Status (21 Oct 2026) |
|---|---|---|---|
| Electric bike scheme | Students with a Punjab domicile | E-bike at about Rs 3,000 a month, no down payment | Closed 4 Oct 2026; 100,000 bikes to be allotted by ballot |
| Green Tractor scheme | Farmers with 7+ acres (hi-power) or 5+ acres (50 to 65 hp) | Rs 10 lakh or Rs 7.5 lakh tractor subsidy, by ballot | Closed: hi-power deadline 15 Oct 2026 |
| CM Punjab laptop scheme | Punjab-domicile BS students in their first or second semester | A laptop | Applications closed 20 Apr 2026; laptops handed out from Oct 2026 |
| CM Punjab solar scheme | Households using up to 200 units a month | Free 550 W or 1,100 W system, by ballot | Registration closed 5 Jan 2025; no new round found |
| Honhaar Scholarship | Punjab-domicile BS, MBBS and BDS students | Full tuition fee | No new Punjab intake found |
On 18 October 2026 the information minister said the Chief Minister had launched the “second phase of the laptop and scholarship schemes”. The reports gave no numbers, dates or portal, so we don’t treat it as a new application window. We will update the laptop and Honhaar rows when an official notice appears.
Three: the Honhaar Scholarship pays tuition, the CM Punjab laptop scheme gives a laptop, and the e-bike scheme sells an e-bike on 0% instalments. As of 21 October 2026, none of the three was taking new applications.
All of these are interest-free to you, with the Punjab government paying the markup:
Zero markup doesn’t always mean zero cost: some charge a processing or card fee. Our guide to interest-free loans in Pakistan compares the fees.
These are often listed as Maryam Nawaz schemes, but the federal government runs them, and they are open to people from every province:
More guides: Interest-free loans in Pakistan · Akhuwat loan · BISP 8171
Apni Chhat Apna Ghar, the Asaan Karobar Card and Finance, Livestock Card Phase II, the Kissan Card, and the Himmat and Rashan cards were running with no closing date as of 21 October 2026. The e-bike, green tractor and laptop rounds have closed.
We found none. Each scheme has its own portal or department page, which each scheme guide below links to.
The Honhaar Scholarship, the CM Punjab laptop scheme and the e-bike scheme. As of 21 October 2026 the e-bike and laptop rounds are closed, and we found no new Honhaar intake.
Apni Chhat Apna Ghar: an interest-free loan of up to Rs 15 lakh to build a house on your own small plot, repaid at Rs 14,000 a month.
Photo: Usman.pg / CC BY-SA 3.0
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Loans & Home Finance
Apni Chhat Apna Ghar lends Punjab families who own a small plot up to Rs 15 lakh interest-free to build a house. Who qualifies, repayments and how to apply.
Loans & Home Finance
The Asaan Karobar Card gives Punjab businesses up to Rs 10 lakh at 0% markup, repaid in 33 instalments. Eligibility, fees, cash rules and Asaan Karobar Finance.
Loans & Home Finance
The PM Youth loan lends up to Rs 75 lakh: Tier 1 up to Rs 5 lakh at 0%, Tier 2 at 5%, Tier 3 at 7%. Age 21 to 45. Documents, online form and tracking.
