In Pakistan, many people are facing tough times because of money problems. Businesses are closing down, and lots of people are losing their jobs. To help out, the government of Punjab has started a new plan called the Punjab Rozgar Scheme. This plan is meant to help different kinds of people, like those who work for daily wages and small business owners. The government, led by CM Maryam Nawaz Sharif, wants to give loans without any interest to families who really need it. This will help them start businesses or find other ways to earn money and support themselves.
Key Points
CM Punjab Rozgar Scheme
روپے تک کے قرضوں کے لیے 500,000/-: قرض لینے والے کی ذاتی گارنٹی کے ساتھ ساتھ روپے سے اوپر کی مجموعی مالیت کا اعلان۔ 500,000/-
روپے سے اوپر کے قرضوں کے لیے 500,000/- روپے تک 1,000,000/-: قرض لینے والے کی ذاتی گارنٹی پلس (کم از کم ایک فریق ثالث کی گارنٹی جس کی سماجی قیمت کم از کم قرض کی رقم کے برابر ہے یا 10-BPS اور اس سے زیادہ سرکاری ملازم کی گارنٹی)۔ مجموعی مالیت ٹھوس اثاثوں کی شکل میں ہو سکتی ہے جیسے کہ جائیداد یا گاڑی، اور اس کا تخمینہ اس طرح لگایا جا سکتا ہے:
a) جائیداد کی قیمت کا اندازہ بینک ڈی سی ریٹ پر لگا سکتا ہے۔
ب) جائیداد کی قیمت کا تعین ویلتھ ٹیکس کی تشخیص کے ذریعے کیا جا سکتا ہے۔
c) پاکستان بینکس ایسوسی ایشن (PBA) کے منظور شدہ جائزہ کار کی طرف سے تشخیص۔
d) گاڑیوں کی قیمت خرید قیمت (10% فی گزرتے سال) سے کم ہو جائے گی۔
فریق ثالث کا پاکستان کا شہری ہونا چاہیے، اس کے پاس پنجاب کا درست شناختی کارڈ ہونا چاہیے، اور اس کی عمر 55 سال سے زیادہ نہیں ہونی چاہیے۔ مزید برآں، فریق ثالث کا CIB (کریڈٹ انفارمیشن بیورو) واضح ہونا چاہیے، یعنی کوئی زائد المیعاد یا تحریری تاریخ نہیں ہونی چاہیے۔
روپے سے اوپر کے قرضوں کے لیے 1,000,000/- روپے تک 10,000,000/-: رہائشی/تجارتی/صنعتی/زرعی جائیدادیں/گاڑیاں جن کا واضح عنوان اور واضح رسائی بینک کے لیے قابل قبول ہے۔
Features of Punjab E-Rozgar Scheme
Here’s a breakdown of the scheme’s key features:
Eligibility Criteria of Punjab Rozgar Scheme
Here are the requirements for eligibility:
- Age: You must be between 20 to 50 years old.
- Gender: This scheme is open to everyone, including males, females, and transgender individuals.
- Qualifications & Experience: You should either be a university/college graduate with entrepreneurial skills, have a diploma/certificate from TVET with technical/vocational training, or be an artisan or skilled worker.
- Residence Status: You must be a Pakistani citizen living in Punjab, verified by your CNIC.
- Business Type: Both new and existing businesses are eligible.
- Loan Limits: You can apply for loans ranging from Rs. 100,000/- to Rs. 10,000,000/-.
- Loan Tenure: You’ll have flexible repayment periods of 2 to 5 years, including a 6-month grace period.
- Loan Type: Loans can be term-based, with options for clean or secured loans.
- Equality Ratio for Debt: The ratios for debt will vary based on gender and disability status.
- Security Requirements: Depending on the loan amount, you may need to provide personal guarantees, third-party guarantees, or asset mortgages.
- Pricing: Interest rates are competitive, set at 4% for clean loans and 5% for secured loans.
- Sectors: All sectors are eligible for funding.
- Application Process: You can apply online through the designated PSIC portal, with a non-refundable processing fee of Rs. 2,000/-.
How to Apply for Punjab Rozgar Scheme
To apply for the Punjab Rozgar Scheme, follow these steps:
- Register your account on the Punjab Rozgar Scheme website.
- Complete the registration form and verify your account through OTP.
- Sign in using your CNIC and password.
- Fill out the application form with all the required details.
- Review your application carefully to ensure all information is accurate.
- Submit your application for processing.
By following these steps, you can apply for the Punjab Rozgar Scheme and take a step towards accessing financial assistance for your business.
Summary
The Punjab Rozgar Scheme stands as a ray of hope during tough economic times, providing real help to those who require it. By encouraging entrepreneurship and financial strength, this program not only helps individuals but also boosts the overall economy. Don’t miss this chance to improve your financial situation. Join the Punjab Rozgar Scheme today and start your journey towards financial empowerment.
