The Punjab government has opened Punjab Rozgar Scheme Online Registration 2026, offering business loans from Rs 1 lakh to Rs 1 crore for startups and small businesses across Punjab. Managed by PSIC with the Bank of Punjab (BOP), the scheme provides subsidised markup around 4–5%, making loans affordable compared to commercial banks.
Graduates, skilled workers, SMEs, and women entrepreneurs can apply through the Punjab Rozgar Scheme official website with a simple online process. Loans can be used to start, expand, or revive businesses. Applicants should prepare documents, submit a solid business plan, track application status online, and apply early to avoid missing this opportunity.
What is Punjab Rozgar Scheme 2026?
The Punjab Rozgar Scheme 2026 is a government-backed loan programme run by the Punjab Small Industries Corporation (PSIC) in collaboration with the Bank of Punjab (BOP). It offers low-markup business loans through a fully digital process.
Unlike commercial bank loans that come with heavy interest, this scheme offers subsidised markup around 4–5%, making it far more affordable for startups and small businesses.
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Quick Info
| Feature | Details |
|---|---|
| Scheme Name | Punjab Rozgar Scheme 2026 |
| Loan Amount | Rs 100,000 to Rs 10,000,000 |
| Maximum Limit | Rs 1 Crore |
| Loan Tenure | 2 to 5 years |
| Grace Period | Up to 6 months |
| Markup Rate | Approx. 4–5% (subsidised) |
| Processing Fee | Rs 2,000 |
| Punjab Rozgar Scheme official website | rozgar.psic.punjab.gov.pk |
What’s Happening Now Punjab Rozgar Scheme 2026?
The Punjab Rozgar Scheme 2026 is live, with online applications being accepted through the Punjab Rozgar Scheme official website. The program is run by Punjab Small Industries Corporation (PSIC) in collaboration with the Punjab Rozgar Scheme BOP (Bank of Punjab), offering low-markup financing to new and existing small businesses.
Applicants are already receiving calls from banks for verification, and early submissions are being processed first. If you’re planning to apply, timing matters.
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Why This Matters to Ordinary Pakistanis
Across Punjab, small factories have slowed down, shops are struggling with rising costs, and many young people are jobless despite having degrees and skills. Banks usually ask for high collateral and charge interest rates that small entrepreneurs simply can’t afford.
This is where the Punjab Rozgar Scheme loan changes the game.
- Instead of 20%+ commercial interest, you pay around 4–5%.
- You can start small, from a home-based business to a workshop or online startup.
- Women entrepreneurs are encouraged with priority consideration.
- The process is online, cutting out agents and sifarish culture.
For many families, one small business means multiple incomes. That’s why this scheme isn’t just about loans it’s about livelihoods.
Who Can Apply for Punjab Rozgar Scheme Online Registration?
The scheme is designed for everyday hardworking people, not big industrialists.
Eligible applicants include:
- University graduates with startup ideas
- TEVTA or vocational diploma holders
- Skilled workers and artisans
- Existing SMEs looking to expand
- Women entrepreneurs (priority quota available)
Basic conditions:
- Age between 20 to 50 years
- Punjab domicile
- Valid CNIC
- Clean credit history (no bank default)
- Government employees are not eligible
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Loan Categories: How Much Can You Get?
Understanding the slabs helps you plan better before you submit the Punjab Rozgar Scheme online registration form.
Slab A – Clean Lending (Rs 1 lakh to Rs 10 lakh)
Best for:
- Small shops
- Freelancers
- Home-based businesses
- Online startups
Security:
- Personal guarantee + one guarantor
- No property mortgage
Slab B – Secured Lending (Rs 10 lakh to Rs 1 crore)
Best for:
- Manufacturing units
- Small factories
- Production setups
Security:
- Property mortgage required
- Markup slightly higher than Slab A but still subsidised
How to Apply: Step-by-Step Online Process
The Punjab Rozgar Scheme online apply process is fully digital:
- Visit the Punjab Rozgar Scheme official website
- Create an account using your CNIC (Punjab Rozgar Scheme login)
- Fill in personal, educational, and business details
- Upload your documents and business plan
- Pay the Rs 2,000 processing fee
- Submit and note your tracking ID
You can later use the tracking ID for Punjab Rozgar Scheme status check. After initial screening by PSIC, the Bank of Punjab (BOP) team will contact you for verification.
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Documents Requirments
Keep these ready to avoid delays:
- CNIC (front and back)
- Passport-size photo
- Educational or skill certificates
- Business plan
- Proof of business (if already running)
- Property documents (for higher loan slabs)
A weak or incomplete business plan is one of the biggest reasons applications get stuck.
Real-Life Impact: What This Means on the Ground
- For a graduate in Multan, a Rs 5 lakh loan could mean opening a small software or digital services firm.
- For a mechanic in Faisalabad, Rs 3 lakh could help expand a workshop and hire an extra helper.
- For a woman entrepreneur in Lahore, funding could launch a home-based food brand or boutique.
This is how local economies grow – one small business at a time.
Important Alerts for Applicants
- The official processing fee is only Rs 2,000
- No agent can “guarantee” approval
- Never pay bribes or extra charges
- Always apply through the official portal
- Beware of fake calls claiming to fast-track your loan
What Should You Do Next?
If you’re serious about starting or expanding a business:
- Prepare a realistic business plan
- Gather your documents
- Apply early through Punjab Rozgar Scheme Online Registration
- Keep checking your application status
Schemes like this don’t stay open forever, and slots can fill up fast once demand rises.
Final Words
The Punjab Rozgar Scheme 2026 is more than just a loan programme – it’s a real chance for hardworking people in Punjab to stand on their own feet. If you have a practical business idea and the skills to run it, don’t let lack of money stop you.
Prepare your documents, write a realistic business plan, and apply through the official portal only. Opportunities like this don’t come often, and early applicants always have an edge. Start today, take a smart step towards self-employment, and build something that creates income not just for you, but for others too.