The CM Punjab Parwaz Card Program 2026 is a flagship initiative by the Government of Punjab designed to provide a financial safety net for the province’s youth. Unlike traditional bank loans that come with high-interest rates, the Parwaz Card offers Markup-Free (Interest-Free) Loans, ensuring that the borrower only pays back the principal amount. This makes it an ideal solution for students, aspiring entrepreneurs, and skilled workers who lack the capital to start their journey.
Detailed Overview of the Program Tracks
To cater to different needs, the government has categorized the assistance into four distinct “Tracks.” Understanding which track you fall into is the first step toward a successful application.
Track A: Overseas Employment Support
This track is specifically for individuals who have the skills and a job offer from a foreign country but cannot afford the travel and documentation costs. The loan covers visa fees, medical insurance, and air tickets. By providing up to Rs. 1,000,000, the government ensures that no job opportunity is lost due to poverty.
Track B: Micro-Business Startup Loans
Targeted at small-scale entrepreneurs, this track provides up to Rs. 500,000. It is designed for “Nano-businesses” such as small retail shops, tailoring units, or home-based catering. The most significant advantage here is that the government does not require heavy machinery or property as a guarantee, making it accessible to the lower-income class.
Track C: SME & Business Expansion
For those who already own a small business and wish to scale it up, Track C offers up to Rs. 3,000,000. This fund can be used to purchase advanced equipment, rent larger premises, or hire more staff. Due to the high loan volume, applicants are usually required to be active tax filers and provide a form of security or a reliable guarantor.
Track D: High-Tech Skill Development
This is a non-monetary track focused on human capital. It offers free training in “Future Skills” such as Cloud Computing, Artificial Intelligence, and Digital Marketing. Graduates of this track are often given priority for Track B loans to start their own digital agencies.
Program Comparison & Loan Details Table
The table below summarizes the key features of each track to help you compare them at a glance:
| Feature | Track A (Overseas) | Track B (Micro-Business) | Track C (SME Expansion) | Track D (Skills) |
| Max Loan Amount | Rs. 1,000,000 | Rs. 500,000 | Rs. 3,000,000 | Free Training |
| Interest Rate | 0% (Markup Free) | 0% (Markup Free) | 0% (Markup Free) | N/A |
| Security Needed | Personal Guarantee | None (Social Security) | Collateral/Guarantor | None |
| Age Limit | 18 – 45 Years | 25 – 55 Years | 25 – 55 Years | 18 – 40 Years |
| Repayment Term | 2 – 3 Years | 2 – 4 Years | Up to 5 Years | N/A |
| Primary Goal | Foreign Remittance | Self-Employment | Economic Growth | Skill Building |
The Selection & Verification Process
The Punjab government has integrated the Parwaz Card with NADRA and the Punjab Information Technology Board (PITB) to ensure transparency. Once you submit your application through the online portal, it undergoes a three-stage verification:
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Data Validation: The system checks your CNIC, age, and domicile status automatically.
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Credit Scoring: Your history with other banks is checked via the E-CIB (Electronic Credit Information Bureau). If you are a defaulter of any other bank, your application will be rejected.
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Physical Survey: For business loans, a team will visit your provided address or business site to verify the feasibility of your plan.
How to Repay the Loan
Repayment is made easy through digital channels. Once your “Grace Period” (usually 3 to 6 months) ends, you can pay your monthly installments through:
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Participating Banks (Bank of Punjab, etc.)
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EasyPaisa or JazzCash
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Selected Post Offices
Final Checklist for Applicants
Before you hit the “Submit” button on the portal, ensure the following:
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Your mobile SIM is registered on your own CNIC.
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Your Business Plan clearly mentions how you will generate profit to pay back the installments.
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You have a scanned copy of your Punjab Domicile.
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You are not currently receiving any other major government monthly cash grant (like BISP).