Successfully resubmitting your Asaan Karobar Card application begins with understanding the specific reasons for its initial rejection. Common causes for a failed application are tied to verification issues, which are often minor and can be fixed easily. These rejections are not a permanent denial but rather a chance for you to correct the information and reapply.
The most frequent reasons for rejection are:
- CNIC Verification: Discrepancies in your name, date of birth, or CNIC number when cross-referenced with NADRA records.
- SIM Verification: Your mobile number is either not registered in your name or is no longer active.
- Vehicle Token Tax: The token tax for your registered vehicle is unpaid or the record is not up to date.
- Credit Assessment: Issues with your bank statements, credit history, or other financial records.
By identifying the exact error, you can take the necessary steps to rectify it, ensuring your resubmission goes smoothly.
Step-by-Step Guide to Resubmit Your Application
The process for resubmitting your application is streamlined and designed to be user-friendly. Follow these steps to ensure you correctly address the rejection reason and successfully reapply.
Step 1: Log in to the Official Portal First, you need to access your account on the official Asaan Karobar portal. You can do this from any computer or mobile device with an internet connection.
- Visit the official Asaan Karobar portal.
- Enter your registered CNIC and password.
- Click on the “Login” button to access your application dashboard.
Step 2: Check the Verification Failures Once you are logged in, navigate to your existing application. The system will clearly display the specific verification errors that led to your application’s rejection. This is a crucial step as it tells you exactly what needs to be fixed.
Step 3: Correct the Issues This is the most critical part of the process. You must resolve all the identified issues before you attempt to resubmit.
How to Fix Common Verification Issues:
- CNIC Verification: If there’s an issue with your CNIC details, ensure your full name, date of birth, and CNIC number match the records at NADRA. If there’s a mismatch, visit a NADRA office or use their online portal to correct your information.
- SIM Verification: Make sure the mobile number you used in your application is active and registered to your name. If it’s not, you must get it updated with your telecom provider.
- Vehicle Token Tax Verification: Pay any outstanding token taxes for your vehicle at the official vehicle registration portal and ensure the record is updated.
- Credit Assessment Verification: Contact your bank to ensure your bank statements and financial records are accurate and up-to-date. Any inconsistencies can cause a failure in this check.
Step 4: Resubmit Your Application After you have corrected all the errors and ensured that your information is accurate, you can proceed with the resubmission.
- On your application page, locate and click the “Resubmit” button.
- A pop-up message will appear asking for confirmation. Click “OK” to proceed.
- The system will process your application, and you will receive a confirmation message that your application has been successfully resubmitted.
Monitoring and Final Approval
Once you have resubmitted your application, you must regularly check its status.
- Log back into the portal.
- Open your application to see the progress of the verification checks.
- The system will verify your corrected information against the relevant databases. If all checks are passed, your application will move forward for loan approval and disbursement.
Remember that you are typically given only one chance to resubmit after a verification failure, so it is essential to double-check all details carefully before clicking the resubmit button.
Tips for a Successful Resubmission
To increase your chances of a successful resubmission, keep the following tips in mind:
- Double-check everything: Review all personal and financial details before resubmitting. A small typo can lead to another rejection.
- Keep documents ready: Have proof of tax payments, bank corrections, or any updated documents on hand.
- Do not rush: Take your time to carefully review the application and make sure every piece of information is correct and consistent.
| Verification Type | Common Error Source | How to Fix |
|---|---|---|
| CNIC Verification | Incorrect name, date of birth, or CNIC number. | Correct your details at NADRA or through their online portal. |
| SIM Verification | Mismatch in SIM registration details; inactive number. | Update your SIM registration with your mobile network provider. |
| Vehicle Token Tax | Missing or unpaid token tax. | Pay the pending token tax at the official vehicle registration portal. |
| Credit Assessment | Issues with bank statements or credit history. | Contact your bank to correct and update your financial records. |
