CM Punjab Parwaaz Card 2026 – Easy Step-by-Step Guide

The CM Punjab Parwaaz Card 2026 is a special support program started by Chief Minister Maryam Nawaz Sharif for the people of Punjab. This program helps young people, students, and small business owners get financial help to improve their future — whether in Pakistan or abroad.

The biggest advantage? Most of the loans are interest-free, so you only return the amount you borrow.

What is the Parwaaz Card Program?

The Parwaaz Card includes two main support programs:

1️⃣     Parwaaz Card for Overseas Jobs

This program helps skilled workers from Punjab find jobs in countries like UAE, Saudi Arabia, Qatar, Oman, and some European countries.

The government provides:

• Free skills training (welding, plumbing, driving, IT, etc.)
• Free language classes (English, Arabic, German)
• Financial help for passport, visa, and ticket
• Job links with trusted foreign employers
• Free registration (no fees)

2️⃣     Parwaaz Card for Students & Business Loans

This part gives financial help to:

• Students going abroad for higher studies
• Young people starting a new business
• Existing business owners who want to expand
• Women and youth who need support

Most loans are Qarz-e-Hasna (interest-free).

Who Can Apply?

✅ For Overseas Jobs

• Must live in Punjab
• Must have valid CNIC
• Age between 18 and 45 years
• At least middle or matric education
• From middle or low-income family
• Serious interest in working abroad

✅ For Student Loans

• Pakistani citizen with CNIC
• Age between 18 and 35 years
• Admission letter from a university recognized by Higher Education Commission
• Preference for middle or low-income families
• Both males and females can apply

✅ For Business Loans

• Must live in Punjab
• Age between 18 and 60 years
• Valid CNIC
• Must have NTN (National Tax Number) from Federal Board of Revenue
• Business plan or running business required
• Women and youth get priority

What Benefits Do You Get?

🔹 Employment Program

• Free skill training
• Free language courses
• Help with passport, visa & airfare
• Job placement support
• 100% free application

🔹 Student Loan Benefits

• Interest-free or very low-interest loans
• Covers tuition, visa, ticket & living costs
• Repayment starts 1 year after graduation or job
• Priority for Engineering, IT, Health & STEM students

🔹 Business Loan Benefits

• Zero interest (Qarz-e-Hasna)
• Loan amount: Rs. 5 lakh to Rs. 30 lakh
• No hidden charges
• Easy repayment up to 5 years
• Faster approval for women
• Online and transparent process

Loan Categories

Tier 1 – Small Loan (Up to Rs. 5 Lakh)

• No security required
• Good for new small businesses
• Fast approval
• Best for beginners

 Tier 2 – Large Loan (Up to Rs. 30 Lakh)

• Security required (property or business assets)
• For bigger businesses or overseas students
• Suitable for registered businesses

Required Documents

📌 For Overseas Jobs

• Original CNIC + copy
• Education certificates
• Passport size photos

📌 For Student Loans

• CNIC or B-Form
• Admission letter (HEC-recognized university)
• Passport copy
• Parent/guardian income proof
• Academic certificates

📌 For Business Loans

• CNIC (original + copy)
• NTN certificate
• Bank statement (6 months)
• Business plan
• Residence proof
• Property papers (for Tier 2)

How to Apply Online – Step by Step

Step 1: Visit Official Website

Go to the Parwaaz Card portal or visit your nearest e-Khidmat Center.

Step 2: Click “Apply Now”

Step 3: Fill the Form

Enter:

• Full name (as per CNIC)
• CNIC number
• Mobile number
• Email
• NTN (for business)
• Select Tier 1 or Tier 2

Step 4: Upload Documents

Upload:

• CNIC (front & back)
• Educational documents
• Bank statements or income proof
• Business plan (if needed)
• Property documents (for Tier 2)

Step 5: Submit Application

After submission, you will receive a Tracking ID by SMS or email.

Step 6: Track Status

Status may show:

• Under Review
• Approved
• Rejected (with reason)

Step 7: Verification

This usually takes 3 to 6 weeks.

Step 8: Approval & Payment

If approved:

• You get confirmation SMS
• Digital Parwaaz Card issued
• Loan sent to your bank account

Repayment Details

For Students

Repayment starts:

• 1 year after graduation
  OR
• When you get a job

(Whichever comes first)

For Business Owners

• 3 months grace period
• Monthly installments after that

You can repay within 5 years.

Is There Interest?

No. It is completely interest-free. You return only the borrowed amount.

Special Support for Women & Youth

• Fast approval for women
• Simple documents
• Reserved quota for females
• Support for eco-friendly & tech businesses
• Extra training programs in rural areas

Important Tips

Before Applying

• Check if your university is HEC-approved
• Get NTN if applying for business loan
• Prepare all documents
• Keep photocopies

While Applying

• Enter correct CNIC details
• Do not give false income information
• Apply early (especially students)
• Choose correct loan tier

After Applying

• Save your Tracking ID
• Check status regularly
• Keep your mobile active
• Be patient during verification

Program Progress

First phase target: Help 100,000 people.

So far:

• 180,000+ youth trained
• 75,000+ got local jobs
• 15,000+ got international jobs

The government plans to expand this program further.

Frequently Asked Questions

Is Parwaaz Card free?

Yes. Registration is completely free.

Is there any application fee?

No. Do not pay money to anyone.

Can people outside Punjab apply?

Currently, only Punjab residents can apply.

What if I don’t have NTN?

NTN is required for business loans. You can register through FBR.

Can employed people apply?

Yes, especially for business loans.

Is there a deadline?

The program is ongoing. Check the official portal for updates.

What if my application is rejected?

You will receive the reason. After fixing the issue, you can apply again.