Apply Parwaaz Card for an Interest-Free Loan – Complete Online Process [2026]

To offer overseas employment opportunities and build a better future, CM Punjab Maryam Nawaz launched the Parwaaz Card Program. This initiative will help youth to access foreign employment opportunities and cover pre-departure expenses by providing an interest-free loan. If you want to apply for the Parwaaz Card for an Interest-Free Loan, please check our comprehensive guide on “How to Apply Parwaaz Card for an Interest-Free Loan”.

Apply Loan As A Job Holder
100% Interest-Free Loan
Loan Amount up to 1 Million
Up to 1 Year Loan Tenor
Grace Period of 3 Months
Installment amount is <30% of Salary

Please Ensure the Following Documents to Apply Parwaaz Card for an Interest-Free Loan

  • A valid CNIC as per NADRA records.
  • Mobile number registered on the applicant’s CNIC.
  • An email address
  • Family documents indicating the father’s/guardian’s/husband’s name and the mother’s name.
  • Educational certificates (if educated).
  • Job Offer Letter
  • Passport (Full Copy)
  • Police Character Certificate (POC)
  • Medical Certificate
  • Skill Certificate (If Required).

Important Instructions Before Apply Parwaaz Card for an Interest-Free Loan

Please ensure the following eligibility requirements before starting the Parwaaz Card online registration and application.

  • Your age must be 18 years or older at the time of application.
  • Both male and female applicants are eligible to apply.
  • You must have a valid CNIC/National Identity Card as per NADRA records.
  • You must be a permanent resident of Punjab, Pakistan.
  • You must have a job offer letter from an international employer/company.
  • The salary for the job you have been offered must be less than 5,000 Saudi Riyal (SAR) per month.
  • Both applicants who already have a job offer letter and those who are seeking international employment opportunities can apply.

How to Apply Parwaaz Card for an Interest-Free Loan As A Job Holder

If you are an applicant who is interested in applying for an interest-free loan to cover your expenses, such as medical tests, air tickets, skills verification test, and other fees, please follow the step-by-step process on “How to Apply Parwaaz Card to register and apply for an interest-free loan”:

Step 01: Account/Portal Registration

  • Click on the “Apply for Loan” button provided above or given below.
Apply for Loan
  • Since we will sign up and create an account first, please click on the “Sign Up for Parwaaz Card” button at the bottom.
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  • The Applicant Registration page will open. On the registration page, enter your full name, CNIC number, phone number, email address, and a strong password.
  • Re-enter the password and click on the “Register as Applicant” button at the bottom.
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  • You will receive an OTP on your provided phone number and email address. Enter the received OTP and verify your Parwaaz Card portal/account.
  • Your Parwaaz Card portal/account is registered successfully.
  • After registering an account/portal for Parwaaz Card, an application will open where the applicant provides his/her required details.

Step 02: Personal Details

  • In the first section of Personal Details, the applicant will provide the required personal details.
  • Personal Information: At first, the applicant will provide personal information. It includes title, full name, date of birth, and gender.
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  • CNIC/Identity Card Details: Next, the applicant will provide CNIC/National Identity Card details. These include CNIC number, CNIC issue date, and expiry date. Moreover, the applicant will upload the scanned images of the front and back sides of the CNIC/National Identity Card.
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  • Family Information: After providing CNIC details, the applicant will provide details about his/her family. It includes the father’s/husband’s/guardian’s name, mobile number, mother’s name, marital status, and number of children.
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  • Nationality: The applicant will select his/her nationality. However, it is selected automatically as only Pakistani nationals are eligible for this program.
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  • Contact Information: The applicant will provide their mobile number and email address. However, it will be entered automatically as this information has already been provided during portal/account registration.
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  • House and Accommodation Details: The applicant will select their current house status, such as Rented, Owned, or Parent’s Company Provided. Next, the applicant will select the type of accommodation, whether it is an apartment, a portion, or a house.
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  • Permanent Residential Address: The applicant will provide their complete house address with the selection of District, Tehsil, and Province. If the current is the same as permanent, also check the box provided at the bottom. If the current address is different, the applicant will enter the complete address.
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  • Click the “Save and Next” button at the bottom to save the provided information and move to the next section.

Step 02: Education and Employment

In this section, the applicant will provide their complete and accurate information about their education and employment status.

  • Highest Educational Qualification: The applicant will provide details about their highest educational qualification. These details include the selection of their degree level, such as Below Matric, Graduation, Post Graduation, Above Matric but Under Graduation, or illiterate. If the applicant has any of the previously described education/qualifications, uploading the certificate is also necessary and required. 
  • Vocational/Technical Training: If the applicant has any vocational/technical training, he/she will also provide their details. It includes selecting the sector, trade, and uploading the certificate.
  • Employment Status: The applicant will select his/her employment status, such as employed, non-employed, or self-employed.
  • Click the “Save and Next” button to save the provided information and move to the next section.
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Step 03: OEP & Job Offer

In this section, applicants will provide information about their overseas employment promoter (OEP) and job offer. 

  • Overseas Employment Promoter (OEP) Information: Applicants will select whether they require an Overseas Employment Promoter. If not, simply select ‘No’. If required, select ‘Yes’. If you selected ‘Yes’, then select the registered/licensed OEP, and provide details of the selected OEP. 
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  • Job Offer Information: The applicant will provide information from their official overseas job offer letter. This information includes country, employer name, sector, trade, position offered, salary offered, expected joining date, contract duration, placement demand number, and passport number.
  • Job Offer Documents: The applicant will upload the following documents: Job Offer Letter, Passport Copy, Police Character Certificate, Medical Certificate, and Skill Test Certificate.
  • Click “Save and Next” to save the provided information and navigate to the next section.
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Step 04: Loan & Declaration

In the last section of “Loan Application and Declaration”, the applicant will provide the co-borrower details and declaration to complete the application for the Parwaaz Card.

  • Co-Borrower Information: The applicant will provide information about the co-borrower. This includes the Co-Borrower’s name, CNIC number, Organization, Grade/Designation, Residential Address, Residential Telephone number, Office Telephone number, and opportunity source.
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  • Declaration: Read the Terms and Conditions of Bank of Punjab (BOP) as well as PSDF’s Terms and Conditions. Check the declaration boxes to agree.
  • Click the “Submit Application” button at the bottom to successfully apply for the Parwaaz Card online.
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Note: Please review the application before submission and ensure you have provided the required details and uploaded all documents.

What Happens After Application Submission?

  • After the successful Parwaaz Card Application submission, your provided information is verified through a screening process and matched with the official database. 
  • Your eligibility will be determined, and a decision of application approval or rejection will be taken according to the eligibility criteria and other parameters. 
  • You will be notified through your portal.

How to Check CM Punjab’s PSDF Parwaaz Card Application Status? (For Interest-free Loan Applicants)

If you are an applicant who has applied for an interest-free loan, you can check your application status by following the process:

  • Go to the official website.
  • Select “Proceed as Applicant”.
  • Log in to your account/portal by entering your login credentials/details.
  • After logging in, you can check your application status on your portal.

Important Guidelines to Follow While Applying for Parwaaz Card Online

  • You must sign up and register for an account/portal to start your Parwaaz Card application for an interest-free loan. 
  • Please ensure you have registered your mobile number on your CNIC before starting the application.
  • You can complete the application form in one go or save it as a draft before submission. To save a draft, don’t forget to click the “Save” button to save the entered information. 
  • The application process is divided into sections. It may take 15-20 minutes to complete all the sections if you have all the required information and documents available.
  • Please provide as much information as possible.
  • Application processing will start after you apply.
  • You can check your application status on your portal.
  • You will receive updates through SMS and email.

DO’s

  • Provide accurate and updated information.
  • Update clear and authentic documents in required formats (PNG, JPG, PDF).
  • Review your application before submitting it, ensure all required information is correct, and that the documents are uploaded.
  • Respond to OEP and employer communication on time and promptly.
  • If you found anything suspicious or fraudulent, immediately inform PSDF.

DON’Ts

  • Avoid uploading fake, unclear, and forged documents.
  • Avoid applying for jobs for which you don’t fulfill eligibility requirements.
  • Avoid paying any fees to any Overseas Employment Promoter (OEP) outside government-approved fee structures.
  • To ensure transparency and safety, do not share your login credentials or portal access with anyone.
  • Do not misuse your application portal. Use it solely for application and informational purposes.  

Helpline Number

1786

Frequently Asked Questions (FAQs)

You can apply for the Parwaaz Card interest-free loan on 20 January 2026. The portal will be online, and registrations will be open on January 20th, 2026. 

Yes, you must have a co-borrower, and it is mandatory.

It will usually take 7-10 days for application processing and loan approval.

The loan tenor is up to 1 year, and the grace period is 3 months starting from the date of the loan granted.

Under the CM Punjab Parwaaz Card program, the eligible applicants can apply and secure a loan of up to 1 Million (10 Lacs) Pakistani Rupees. 

The loan installment amount will be less than 30% of your salary.

To check your application status:

  • Visit the official website.
  • Log in to your portal.
  • Check your application status on your portal.

No fee or fee structure for the Parwaaz card has been announced or declared.

You can apply, but first ensure you have avoided the cause of the application rejection.

You can apply for the CM Punjab Parwaaz Card Program online. Any other method is not announced and is not acceptable.

This is a provincial program launched by the Government of Punjab. Only the residents of Punjab province are eligible to apply.

Yes, an OEP can apply on your behalf. However, the OEP must be licensed and registered with the Parwaaz Card program.

After submitting, you won’t be able to edit your application. Please review your application and ensure everything is correct before submission.

Please wait while your application is being verified and screened. Check your portal regularly to check your current application status. You will also get updates through SMS and email.