The Parwaz Card Online For Zero Markup Loans 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:
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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.
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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:
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Visa & Documentation: Visa stamping and protectorate fees.
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Travel: One-way international air ticket to your destination.
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Medical & Testing: Mandatory medical fitness tests and skill verification (Trade testing).
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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:
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Residency: Must be a permanent resident of Punjab with a valid Domicile.
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Age: Minimum 18 years or older.
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Identification: Must possess a valid CNIC registered with NADRA.
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Co-Borrower: A guarantor/co-borrower is mandatory for the loan application.
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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:
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Visit the Official Portal: Go to the official website at parwaaz.psdf.org.pk.
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Registration: Enter your name, CNIC, and mobile number. You will receive an OTP (One-Time Password) to verify your account.
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Fill the Application: Complete the online form with your education, skills, and job offer details (if applicable).
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Upload Documents: Attach clear scans of your CNIC, Passport, Job Offer Letter, and Medical Certificate.
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Review & Submit: Double-check all entries. Once submitted, your application will be reviewed by the PSDF (Punjab Skills Development Fund).
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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:
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Initial 20%: Released to the applicant for initial documentation and medical costs.
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Remaining 80%: Directly paid by the system to verified OEPs, airlines, and visa offices once your documentation is verified.
Important Safety Note: Registration for the Parwaaz Card is completely free. Do not pay any agent or “consultant” for approval. All processing is merit-based through the official portal.
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?