The CM Punjab Parwaaz Card 2026 is a ground-breaking initiative by Maryam Nawaz Sharif to empower the skilled youth of Punjab. For many, the only thing standing between a confirmed international job offer and a successful career abroad is the high cost of travel and documentation. The Parwaaz Card bridges this gap by offering 100% Interest-Free Loans (Qarz-e-Hasna) of up to Rs. 300,000, ensuring that financial hurdles don’t stop you from reaching your global dreams.
What Makes the Parwaaz Card Scheme Special?
This scheme is specifically designed to eliminate the need for high-interest private loans or selling family assets to pay for overseas employment.
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Zero Markup: You only pay back the principal amount—not a single rupee of interest.
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Comprehensive Coverage: The loan covers everything from your visa fee and medical tests to your air ticket and protectorate fees.
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Digital Transparency: Every step, from application to disbursement, is handled through an online portal to prevent fraud.
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Skill Recognition: The card also supports skill verification and trade testing, making your profile more attractive to international employers.
Eligibility Criteria for 2026
To apply for the zero markup loan under the Parwaaz Card scheme, you must fulfill these mandatory requirements:
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Residency: You must be a permanent resident of Punjab (Domicile required).
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Age Limit: Applicants must be 18 years or older.
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Job Offer: You must have a valid job offer letter from an international employer.
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Salary Limit: The monthly salary in your job offer should be below SAR 5,000 (or equivalent in other currencies).
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Guarantor: A co-borrower or guarantor is required to finalize the loan process.
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Mobile Ownership: You must use a mobile SIM registered in your own name for OTP and verification.
How to Apply Online (Easy Step-by-Step)
The application journey is 100% online and user-friendly. Follow these steps to secure your card:
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Official Portal: Visit parwaaz.psdf.org.pk.
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Account Creation: Register using your CNIC and mobile number. Verify your account via the OTP sent to your phone.
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Select Category: Choose the “Job Holder” category if you already have an offer, or “Job Seeker” if you are still looking.
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Complete Profile: Enter your personal, educational, and professional details.
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Upload Documents: Provide clear scans of your CNIC, Passport, Job Offer Letter, and Medical Report.
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Final Submission: After PSDF reviews and accepts your profile, you will visit a designated Bank of Punjab (BOP) branch to sign your loan facility letter.
Loan Disbursement and Repayment Schedule
The funds are managed digitally to ensure they are used for their intended purpose:
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Initial Release: 20% of the loan is released to you for initial medical and documentation costs.
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Direct Payments: The remaining 80% is paid directly by the system to verified Overseas Employment Promoters (OEPs), airlines, and visa offices.
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Grace Period: Many tracks include a grace period, allowing you to start your job abroad before you have to begin paying back the installments.
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Tenure: You can repay the loan in easy monthly installments over a period of up to 5 years.
Important Documents Checklist
Make sure you have these ready before starting the online form:
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Valid CNIC (Original scan).
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Punjab Domicile certificate.
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International Job Offer/Demand Letter.
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Valid Passport (with at least 6 months validity).
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Skill or technical certificates (if any).
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Medical Fitness Certificate from an approved center.
Warning: The Parwaaz Card application is 100% Free. The government does not authorize any agents to collect money for “guaranteed approval.” Always use the official PSDF portal for your application.
Next Step: Would you like me to find the list of approved medical centers in your city for your pre-departure checkup, or do you need a template for the co-borrower/guarantor agreement?