The Parwaz Card Loan Scheme 2026 is a “Smart Support” system launched under the Maryam Nawaz Hunarmand Naujawan Program. It serves two main purposes: providing interest-free business loans for local startups and giving financial assistance to those who have secured jobs overseas but cannot afford the travel and visa costs.
Quick Summary of Parwaz Card 2026
| Feature | Details |
| Loan Type | 100% Interest-Free (Zero Markup) |
| Loan Amount | Rs. 50,000 to Rs. 500,000 (Local Business) |
| Overseas Support | Up to Rs. 1,000,000 (Visa/Travel/Medical) |
| Target Group | Skilled Youth (TEVTA/PVTC Certified) |
| Age Limit | 18 to 35 Years |
| Official Portal | parwaaz.psdf.org.pk |
Who Can Apply? (Eligibility Criteria)
To get the Parwaz Card in 2026, you must fulfill these basic requirements:
-
Punjab Domicile: You must be a permanent resident of any district in Punjab.
-
Skill Certificate: You must hold a diploma or certificate from a recognized institute like TEVTA, PVTC, or PSDF.
-
Valid CNIC: Your identity card must be active and not expired.
-
Business Plan: For a local loan, you need a simple plan of what business you want to start.
-
Overseas Job Offer: For travel support, you must have a verified job offer letter from an international employer.
Two Main Categories of the Scheme
1. Local Business Startup Loan
If you want to open a mobile repairing shop, a boutique, a solar installation service, or an auto workshop, you can get up to Rs. 5 lakh. This loan is totally interest-free, and you can return it in easy monthly installments over 2 to 3 years.
2. Overseas Employment Support
Many skilled workers get jobs in Saudi Arabia, Dubai, or Europe but don’t have money for the ticket and visa protector fees. The Parwaz Card covers:
-
One-way air ticket.
-
Visa and documentation fees.
-
Medical and trade testing charges.
-
Overseas Employment Promoter (OEP) fees.
How to Apply Online: Step-by-Step Guide
The registration process for 2026 is fully digital and transparent.
Step 1: Create an Account
Visit the official portal parwaaz.psdf.org.pk. Click on “Register” and enter your CNIC and a mobile number registered in your own name.
Step 2: Verify OTP
You will receive a 4-digit code on your phone. Enter it to verify your account.
Step 3: Fill the Application Form
Select your category (Business Loan or Overseas Support). Enter your personal details, education, and skill training info.
Step 4: Upload Documents
Upload scanned copies of:
-
CNIC (Front and Back).
-
Skill Certificate (TEVTA/PVTC).
-
Domicile Certificate.
-
Passport or Job Offer Letter (if applying for overseas support).
Step 5: Final Submission
Review your details and click “Submit.” You will receive a Tracking ID via SMS. Save this ID to check your status.
Important Things to Remember
-
Direct Transfer: The loan amount is usually transferred to your bank account (primarily through Bank of Punjab) or paid directly to the airline/travel agent in the case of overseas support.
-
No Interest: This is a “Qarz-e-Hasna” scheme. You only pay back the principal amount you borrowed—not a single rupee of interest.
-
Zero Fee: The application is 100% Free. Do not pay any “agent” or “consultant” to get your loan approved.
-
Verification: Government teams may call your school or employer to verify your certificates. Providing fake documents will lead to a permanent ban.
Why Is My Application Rejected?
Most applications are rejected because:
-
The applicant is over 35 years old.
-
The skill certificate is from a non-recognized private center.
-
The mobile number is not registered on the applicant’s CNIC.
-
The applicant is a bank defaulter.