The CM Punjab Parwaaz Card 2026 is a revolutionary initiative by Chief Minister Maryam Nawaz Sharif designed to remove financial barriers for the youth. This “Skill-to-Employment” card provides Interest-Free (Zero Markup) Loans of up to Rs. 300,000 for individuals who have secured overseas job offers but cannot afford the pre-departure costs. By offering a digital and transparent pathway, the government is ensuring that your global career takes flight without the burden of high-interest debt.
What is the Parwaz Card and Who is it For?
The Parwaaz Card is specifically designed for residents of Punjab who fall into two main categories:
-
Job Holders: Individuals who already have a valid job offer from an international employer (with a salary below SAR 5,000 or equivalent) but need money for visa, medical, and travel costs.
-
Job Seekers: Skilled or semi-skilled individuals looking for verified international employment opportunities through licensed Overseas Employment Promoters (OEPs).
Zero Markup Loan: Amount and Usage
The program offers a loan of up to Rs. 3 Lakh with 0% markup, which must be used for specific pre-departure expenses:
-
Visa & Documentation: Visa stamping and protectorate fees.
-
Travel: One-way international air ticket to your destination.
-
Medical & Testing: Mandatory medical fitness tests and skill verification (Trade testing).
-
OEP Charges: Processing fees for licensed Overseas Employment Promoters.
Eligibility Criteria for 2026
To get your Parwaaz Card and qualify for the zero markup loan, you must meet these requirements:
-
Residency: Must be a permanent resident of Punjab with a valid Domicile.
-
Age: Minimum 18 years or older.
-
Identification: Must possess a valid CNIC registered with NADRA.
-
Co-Borrower: A guarantor/co-borrower is mandatory for the loan application.
-
Mobile SIM: Your mobile number must be registered on your own CNIC to receive the OTP.
Step-by-Step Online Application Guide
Applying for the Parwaaz Card is a fully digital journey. Follow these steps to ensure your application is successful:
-
Visit the Official Portal: Go to the official website at parwaaz.psdf.org.pk.
-
Registration: Enter your name, CNIC, and mobile number. You will receive an OTP (One-Time Password) to verify your account.
-
Fill the Application: Complete the online form with your education, skills, and job offer details (if applicable).
-
Upload Documents: Attach clear scans of your CNIC, Passport, Job Offer Letter, and Medical Certificate.
-
Review & Submit: Double-check all entries. Once submitted, your application will be reviewed by the PSDF (Punjab Skills Development Fund).
-
Bank Processing: If shortlisted, you will visit a designated Bank of Punjab (BOP) branch to finalize the loan and provide your co-borrower’s details.
Disbursement Schedule: How You Get the Money
To prevent fraud and ensure the funds are used correctly, the loan is disbursed in two parts:
-
Initial 20%: Released to the applicant for initial documentation and medical costs.
-
Remaining 80%: Directly paid by the system to verified OEPs, airlines, and visa offices once your documentation is verified.
Next Step: Would you like me to find the list of licensed Overseas Employment Promoters (OEPs) in your city who are partnered with the Parwaaz Card scheme?