Punjab Chief Minister Maryam Nawaz Sharif has officially launched the CM Punjab Parwaz Card Eligibility Criteria 2026 to empower the youth and women of the province. This revolutionary program is designed to provide interest-free loans (Qarz-e-Hasna) ranging from PKR 500,000 to PKR 3,000,000. The primary goal is to help small business owners, startups, and even overseas students or workers manage their financial needs without the burden of interest.
Overview
| Feature | Details |
| Launched By | CM Punjab Maryam Nawaz Sharif |
| Loan Type | 100% Interest-Free (Qarz-e-Hasna) |
| Maximum Limit | Up to PKR 30 Lakh (3 Million) |
| Repayment Tenure | Up to 5 Years (with 6-month grace period) |
| Target Audience | Youth, Women, and Small Business Owners |
| Official Website | Punjab Parwaz Card Portal |
Key Features and Benefits
The Parwaz Card is not just a loan; it is a digital tool for economic independence. In Feb 2026, the government has expanded its scope to include clean energy (solar) and overseas employment support.
- Financial Empowerment:
- Access to interest-free capital for new and existing businesses.
- Special priority and faster processing for women entrepreneurs.
- Funding available for solar battery systems and clean energy startups.
- Overseas & Skill Support:
- Financial aid for pre-departure costs (Visa, tickets, medical) for workers going abroad.
- International certification and skill verification support.
- Digital tracking of applications to ensure 100% transparency.
CM Punjab Parwaz Card Loan Tiers
The loan categories are divided into two tiers to cater to different business sizes:
| Tier Category | Loan Amount | Requirement/Security |
| Tier 1 (Small Loan) | Up to PKR 500,000 | Personal Guarantee (Clean Loan) |
| Tier 2 (Large Loan) | Up to PKR 3,000,000 | Collateral / Property Documents |
| Overseas Track | Up to PKR 1,000,000 | For Visa and Travel Expenses |
CM Punjab Parwaz Card Eligibility Criteria 2026
To ensure that only deserving residents of Punjab benefit from this CM Punjab Parwaz Card Eligibility Criteria scheme, the following criteria must be met:
- Basic Requirements:
- Must be a permanent resident of Punjab with a valid CNIC or NICOP.
- Age must be between 25 and 55 years for business loans (18+ for overseas track).
- Applicant must have an active NTN and be a registered tax filer.
- Business & Credit History:
- The business must be located within the Punjab province.
- A viable business plan or proof of existing business is required.
- Applicant must have a clean credit history (e-CIB) with no defaults.
Online Application Process (Step-by-Step)
- Visit Portal: Open the Official PSDF Parwaaz Portal or the Punjab government’s dedicated business loan website.
- Account Creation: Register using your CNIC, active mobile number (registered in your name), and email.
- Form Filling: Enter your business details, select your desired Tier (1 or 2), and provide NTN information.
- Document Upload: Attach scanned copies of CNIC, passport-sized photos, and business/tax documents.
- Verification: Your data will be verified via NADRA and the Federal Board of Revenue (FBR).
- Confirmation: Once approved, you will receive an SMS and an email regarding the loan disbursement process.
Conclusion
The CM Punjab Parwaz Card Eligibility Criteria 2026 is a landmark initiative that bridges the gap between ambitious entrepreneurs and the capital they need. By removing interest rates and simplifying the digital application process, Chief Minister Maryam Nawaz has paved a clear path for poverty alleviation and economic growth in Punjab. For further assistance, citizens can call the official helpline at 1786 or visit the nearest e-Khidmat Markaz.
Frequently Asked Questions (FAQs)
1. Is the Parwaz Card loan really interest-free?
Yes, it is 100% interest-free (Qarz-e-Hasna). You only need to repay the actual principal amount borrowed.
2. Can I apply if I don’t have an NTN?
No, having a valid NTN and being a tax filer is a mandatory requirement for the business loan track in 2026.
3. What is the maximum repayment period?
The repayment tenure is flexible and can go up to 5 years, usually including a 6-month grace period where no installments are due.
4. Is this scheme available for students?
Yes, students planning to study abroad or seeking overseas employment can apply for financial assistance through the Parwaz Card’s specific education/overseas track.
This article is for informational purposes only. SmartFixers.pk is not an official government website and is not affiliated with any government department. Readers are advised to verify all information from official government sources before taking any action.
Our editorial team publishes original and informational content for educational purposes only.
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