Once you have completed your online registration for the Parwaaz Card Selection Process After Registration your application enters a multi-stage evaluation cycle. Because this program involves interest-free loans of up to Rs. 10 Lakh (Overseas) or Rs. 30 Lakh (Business), the Punjab government employs a rigorous digital verification system to ensure funds reach genuine candidates.
Understanding what happens behind the scenes will help you track your “Selection Status” and avoid unnecessary anxiety during the waiting period.
The Selection Journey: From Submission to Approval
The selection process is not instantaneous. After you hit the “Submit” button on parwaaz.psdf.org.pk, your application moves through the following five critical stages:
Stage 1: Automated Data Validation The system immediately cross-checks your CNIC and Mobile Number with NADRA records. If your SIM is not registered on your own CNIC, or if your residency is not in Punjab, the application may be flagged at this initial step. Stage 2: Job & OEP Verification (For Overseas Track) For those applying for the overseas loan, the most vital step is verifying your job offer. PECTA and PSDF coordinate with licensed Overseas Employment Promoters (OEPs) to confirm that your visa and job contract are legitimate and that your salary is below the SAR 5,000 threshold. Stage 3: Financial & Credit Check (e-CIB) The bank partners (such as Bank of Punjab) perform a background credit check. While this is an interest-free scheme, applicants with a history of major bank defaults may face challenges during the selection. Stage 4: Skill & Training Assessment Applicants with technical diplomas or vocational certificates from TEVTA or PVTC often receive priority “points” in the selection matrix, as they are deemed more “employment-ready” for international markets. Stage 5: Final Review & Decision A centralized committee reviews the verified pool of applicants. Selection is based on a mix of merit, financial need, and the specific quotas allocated for the current phase.
How to Check Your Eligibility Status Online
You do not need to visit any office to check if you have been selected. You can monitor your progress 24/7 through the portal: Visit the official Parwaaz Portal and log in with your CNIC and the password you created. Check the “Current Status” indicator on your personal dashboard. The status typically displays one of the following:
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Submitted/Pending: Your application is in the queue for initial data matching.
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Under Verification: Your documents or job offer are currently being checked with OEPs or NADRA.
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Action Required: There is a discrepancy in your documents (e.g., a blurry CNIC scan). You must re-upload the file immediately.
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Approved: Congratulations! Your loan is sanctioned, and you will receive instructions for the next steps.
Why Some Applications are Rejected in 2026
Based on early 2026 data, the most common reasons for not being selected include:
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Salary Over-Limit: Overseas job offers with a salary exceeding SAR 5,000 (approx. Rs. 370,000) are disqualified.
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Inactive Mobile Number: Failing to respond to a verification SMS or call within the stipulated time.
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Category Mismatch: Applying for a Business Loan without an NTN/Tax Filer status.
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Incomplete Documentation: Missing the Police Character Certificate or valid Medical Report.
Timeline for Selection and Disbursement
The standard processing time from registration to final selection is approximately 7 to 10 working days after all documents are verified. High application volumes can occasionally extend this to 2–4 weeks. Once selected, the first 20% of your loan is typically disbursed into your account within 5 working days of the approval notification.
Pro Tip: Keep your registered mobile number active and do not ignore calls from unknown “official” numbers during the 14 days following your registration.
Next Step: Would you like me to find the specific reasons for the ‘Action Required’ status on your portal, or do you need the list of OEPs that are currently verified for the Parwaaz Card scheme?