The CM Punjab Parwaz Card 2026 (also known as the Asaan Karobar Card) is a flagship initiative by Chief Minister Maryam Nawaz Sharif to provide interest-free financial support to the youth and small business owners of Punjab. In January 2026, the program has been further digitized, allowing citizens to access loans up to PKR 3,000,000 for business expansion and international employment expenses. To ensure transparency, the government has established dedicated helpline centers and online portals for instant assistance.
Summary
| Feature | Details |
| Official Helpline | 0800-48627 (0800-HUNAR) |
| Additional Support | 1786 (CM Punjab Complaint Cell) |
| Official Website | PSDF Parwaaz Portal |
| Loan Type | 100% Interest-Free (Qarz-e-Hasna) |
| Maximum Limit | Up to PKR 30 Lakh (Tier 2) |
| Official Portal | akc.punjab.gov.pk |
Features and Benefits of Parwaz Card
The Parwaz Card serves as a multipurpose financial tool. In January 2026, new features have been added to support skilled workers and solar energy adoption.
- Financial and Skill Support:
- Access to interest-free loans for startups and established small businesses.
- Financial assistance for overseas job placement, including visa and travel costs.
- Subsidized financing for solar battery systems to reduce business energy costs.
- Operational Ease:
- Digital tracking of all loan applications through the Parwaz Card portal.
- Priority processing for women entrepreneurs and skilled TEVTA graduates.
- Simplified documentation to ensure the “Middleman” culture is eliminated.
Parwaz Card Loan Categories and Tiers
The program is structured into different tiers to cater to the varying needs of the public:
| Loan Category | Financing Amount | Key Requirement |
| Tier 1 (Small Business) | Up to PKR 500,000 | Personal Guarantee / Clean Loan |
| Tier 2 (Large Scale) | Up to PKR 3,000,000 | Secured / Asset-based Collateral |
| Overseas Track | Up to PKR 1,000,000 | Valid Job Offer / Visa Documents |
| Skill Support | Full Training Fee | Valid Admission in PSDF/TEVTA |
CM Punjab Parwaz Card Eligibility Criteria 2026
According to the latest January 2026 policy, only eligible residents of Punjab can benefit from this interest-free scheme.
- Personal Requirements:
- Applicant must be a permanent resident of Punjab with a valid CNIC.
- Age must be between 25 and 55 years for business loans (18-35 for skill/overseas track).
- Applicant must be a registered Tax Filer with an active NTN for higher tier loans.
- Business Requirements:
- The proposed or existing business must be physically located within Punjab.
- A clean credit history (e-CIB) is mandatory; defaulters are not eligible.
- A viable business plan must be submitted during the online application.
How to Apply and Use the Helpline
- Direct Call: For any queries or technical issues, dial the toll-free helpline 0800-48627 or 1786.
- Online Portal: Visit the Official Parwaaz Portal or the Asaan Karobar Portal.
- Registration: Create your account using your CNIC and a mobile number registered in your own name.
- Verification: Complete the biometric verification through the nearest e-Khidmat Markaz or partner bank branch.
- Status Check: Use your ticket number to track your application progress on the digital dashboard.
Conclusion
The CM Punjab Parwaz Card 2026 is more than just a loan program; it is a gateway to self-sufficiency for the people of Punjab. By providing a dedicated helpline (0800-48627) and a transparent online system, the government has ensured that financial aid reaches the truly deserving. Whether you want to start a shop in Lahore or work in a tech firm in Dubai, the Parwaz Card is your partner in growth.
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Frequently Asked Questions (FAQs)
1. What is the official helpline number for CM Punjab Parwaz Card 2026?
The primary toll-free helpline is 0800-48627 (0800-HUNAR). You can also contact the CM Punjab helpline at 1786 for complaints.
2. Is there any interest or markup on Parwaz Card loans?
No, all loans provided under the Parwaz Card program in 2026 are 100% interest-free (Qarz-e-Hasna) with no hidden charges.
3. Can women apply for this scheme?
Yes, women are encouraged to apply and are given special priority in the processing of both business loans and skill development tracks.
4. Is it mandatory to be a tax filer?
For Tier 1 loans (up to 5 Lakh), the requirements are relaxed, but for Tier 2 loans (up to 30 Lakh), an active NTN and tax filer status are mandatory.
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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