Digital SME Lending Platform Development

The CM Punjab Karobar Card is a digital financing solution designed to empower small entrepreneurs across Punjab with interest-free loans of up to PKR 1 million. The platform streamlines access to revolving credit through a fully digital channel, ensuring transparent usage and repayment.

Loan Limit: Up to PKR 1 million per SME

Revolving Credit Facility: 12-month cycle with renewal

Grace Period: 3 months after card issuance

Repayment: 24 equal monthly installments after the grace period

Usage: Payments to vendors, suppliers, utilities, taxes, and limited cash withdrawal

Digital Channels: Mobile app, POS, and secure PITB portal

Interest Rate: 0% for end-users

Open to all small entrepreneurs in Punjab (aged 21–57)

Digital application with CNIC, credit, and psychometric assessment

Mandatory registration with PRA/FBR for full limit release

Physical business verification by Urban Unit

I contributed to the development of the end-to-end digital loan management system, including secure back-end workflows, user-friendly application forms, eligibility checks, and repayment tracking. The platform supports online applications, digital verification, secure card management, and integration with payment gateways for vendor transactions.

The Karobar Card empowers small businesses to grow sustainably with transparent, structured, and fully digital lending, helping strengthen Punjab’s SME ecosystem.

Secure web portal and mobile app integration

Real-time application status tracking

Automated eligibility checks and limit release logic

Digital repayment management and statement generation