Parwaz Card
Parwaz Card Government of Punjab has introduced a groundbreaking step under the leadership of Chief Minister Maryam Nawaz to engage overseas Pakistani students in the economic development of their homeland. The CM Punjab Parwaz Card Program 2025 is now open to Pakistani students living abroad, offering them an excellent opportunity to apply for interest-free loans up to Rs. 3 million. This initiative aims to support overseas-educated youth in establishing or expanding their businesses in Punjab. By removing financial barriers and offering soft support through the Asaan Karobar Scheme 2025, the Punjab government is laying the foundation for a self-reliant and progressive economy powered by young entrepreneurs.
Many overseas Pakistani students possess innovative business ideas and the skills to transform them into successful ventures. However, financial limitations often stop them from implementing these ideas in Pakistan. The Parwaz Card solves this problem by giving interest-free loans with a flexible process and dedicated support. Whether it’s a startup in clean energy, technology, education, or any other sector, this program welcomes ideas that contribute to the province’s development. The online application process has also been kept simple to allow students to apply from anywhere in the world.
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Main Features of Parwaz Card for Overseas Students
- Interest-free loan up to Rs. 30 lakh (Rs. 3 million)
- Easy online application process from abroad
- No markup or service charges on loan repayment
- Special support for clean energy and tech-based businesses
- Preference given to women and youth-led ventures
- Simple document submission with guidance available online
This program is designed not just to support individuals but to contribute to Pakistan’s economy by channeling the global exposure and expertise of its youth living abroad. It’s an ideal opportunity for those who want to invest their skills and education into their home province.
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Who Can Apply for the Parwaz Card?
Students and young professionals living outside Pakistan can apply for the Parwaz Card if they meet the following conditions:
- The applicant must be a resident of Punjab (by origin)
- Age should be between 25 to 55 years
- A valid CNIC or NICOP is required
- Must have a registered NTN and be a tax filer
- Should have a valid business plan for investment in Punjab
- For loans above Rs. 5 lakh, collateral or property proof is needed
This scheme ensures that only serious and eligible candidates receive the loan so the funds can be effectively utilized for business development in Punjab.
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Loan Categories under the Scheme
There are two major categories of loans under the Parwaz Card, depending on the scale of the business and the guarantee provided.
Tier 1 – Small Loan
This category offers loans up to Rs. 5 lakh without any need for a security guarantee. It’s ideal for small businesses, new startups, and individual entrepreneurs who want to start with a low-risk idea.
Tier 2 – Large Loan
This category provides a loan of up to Rs. 30 lakh. However, it requires some form of guarantee, such as property documents or business assets. It’s suited for registered businesses or those planning to start ventures on a larger scale.
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Required Documents for Application
To successfully apply from abroad, applicants need to prepare the following documents:
- Valid CNIC or NICOP copy
- NTN certificate and proof of tax return
- Business plan with estimated cost, scope, and impact
- Proof of residence or study abroad
- Collateral documents for Tier 2 loans
These documents help authorities verify your eligibility and ensure transparency throughout the process.
How to Apply Online Step-by-Step Guide
- Visit the official Punjab Government portal for the Parwaz Card Program
- Click on the “Apply Now” button
- Fill out the registration form with accurate details (CNIC, mobile number, email, and NTN)
- Choose your loan tier (Tier 1 or Tier 2) and provide relevant business information
- Upload scanned copies of all required documents
- Submit the form online and wait for confirmation
- You will receive an SMS or email once your application is reviewed
Once the verification process is complete, your loan will be issued through a bank or digital platform, and the repayment will begin after a short grace period.
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Why Overseas Students Should Consider This Opportunity
Students living abroad are equipped with modern education, market insights, and global experiences. By starting businesses in Punjab, they can contribute to job creation and economic growth. This program removes financial pressure and gives them a chance to be job creators instead of job seekers. It also allows returning students to take control of their careers by launching ventures in their home districts.
Support for Women and Youth Entrepreneurs
The program specifically encourages women and young entrepreneurs to take part. Female applicants may receive faster approvals, simplified documentation, and additional guidance if they plan to start businesses in areas like education, renewable energy, or digital technology. This support is a strong step toward financial inclusion and gender equality in the business sector.
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Need Help? Use Helpline 1786
If you’re facing any issues during the application or need clarification on requirements, you can contact the Punjab Government’s official helpline 1786. Those currently in Pakistan can also visit their nearest e-Khidmat Markaz for help and guidance.
Conclusion
The CM Punjab Parwaz Card Program 2025 is not just a loan scheme – it’s a vision to involve global Pakistani talent in local development. Students and professionals living abroad now have a real chance to apply their skills in Punjab by launching new ventures with full government support. The application process is easy, the funds are interest-free, and the impact can be life-changing.
If you’re a Pakistani student living abroad and dream of starting a business back home, now is the time to act. Apply for the Parwaz Card and become a part of Punjab’s new economic future.
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