CM Punjab Parwaaz Card 2026 – Official Portal Registration | Apply for Interest-Free Loan

The wait for a fully digital application system is over! Chief Minister Punjab Maryam Nawaz has officially inaugurated the updated Parwaaz Card Online Portal on January 28, 2026.

Are you a skilled professional in Punjab with a confirmed job offer from abroad, but you lack the funds for a visa and air ticket? The Government of Punjab, through the Punjab Skills Development Fund (PSDF), has launched the Parwaaz Card. This initiative provides Interest-Free Loans to cover your pre-departure expenses.

CM Punjab Parwaaz Card

Note: This guide covers the complete application process via Parwaaz portal for Job Seekers, Job Holders, and Partners (OEPs).

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Quick Summary – Parwaaz Card Scheme 2026

FeatureDetails
Program NameCM Punjab Parwaaz Card
Portal Launch28 January 2026 (Digital Phase)
Managed ByPunjab Skills Development Fund (PSDF)
BenefitInterest-Free Loan (Qarz-e-Hasana)
Salary LimitJob offer must be < SAR 5,000/month
Official Portalparwaaz.psdf.org.pk

What is the Parwaaz Card? (Loan Benefits)

The Parwaaz Card is a government backed financial facility designed to support low-income skilled workers. It is NOT a grant; it is an interest-free loan that you repay in easy monthly installments after you start receiving your salary abroad.

The Loan Disbursement Model (20/80 Rule)

According to the 2026 policy, the loan follows a strict split to prevent misuse:

  • Initial Release: 20% of the loan amount is released in Cash to the applicant for minor preparations.
  • Final Release: The remaining 80% is released later (20% Cash + 60% via Digital Payment/POS directly for Ticket booking and OEP fees).

Eligibility Criteria: Who Can Apply?

To qualify, you must meet the following conditions set by the PSDF:

  • Residency: Valid Domicile of Punjab.
  • Age: Minimum 18 Years.
  • Income Cap: Overseas job salary offer must be less than SAR 5,000.
  • Co-Borrower: You must provide a Guarantor (Co-borrower).
  • SIM Card: Mobile number must be registered in the Applicant’s Own Name.

How to Apply Online? (Select Your Category)

The official portal caters to three types of users. Choose the one that fits you:

Category A – Job Holder (I have an Offer Letter)

For applicants who already have a confirmed job offer.

  • Register: Go to the portal and sign up with your CNIC.
  • Upload: Submit your Job Offer Letter (Salary < 5000 SAR) and Co-borrower details.
  • Verify: PSDF verifies your offer with the OEP (7-10 days).
  • Receive Funds: Once approved, get your Parwaaz Card/Funds.

Category B – Job Seeker (I need a Job)

For skilled workers looking for employment.

  • Register Profile: Sign up as a “Job Seeker”.
  • Find Jobs: Browse verified demands from licensed OEPs.
  • Apply: Once selected, your status upgrades to “Job Holder” for the loan.

Category C – For Partners (For OEPs/Agents)

For licensed recruitment agencies.

  • Register as Partner: OEPs can register to post verified jobs.
  • Facilitate Loans: OEPs verify offer letters to help candidates get funding.

Quick Contact Channels (Official Support)

If you face any issues during registration, use the following official channels to contact the support team.

Channel NameContact DetailsPurpose & Timings
PSDF Helpline (UAN)(042) 111117733 (PSDF)For portal guidance.
(Mon-Fri: 9 AM – 5 PM)
Hunar Helpline+92 80048627 (HUNAR)For training & skill queries.
(Mon-Sat: 8 AM – 8 PM)
Email Support[email protected]For detailed documentation.
(24/7 Email Support)

Warning – Why Applications Get Rejected?

To ensure your application is approved on the first attempt, avoid these common mistakes:

  • Salary Limit Violation: Applying with a salary offer above SAR 5,000.
  • SIM Ownership: Using a SIM registered in a family member’s name.
  • Fake Agents: Uploading offer letters from agents not licensed by BEOE.

FAQs – Frequently Asked Questions

Yes, as long as the job offer is verified by a licensed Overseas Employment Promoter (OEP) and approved by the Protectorate of Emigrants, you can apply regardless of whether it is a private or government job.

Yes, providing a guarantor (typically a blood relative like a father, brother, or spouse) with a valid CNIC is a mandatory requirement to secure the government-backed loan.

The portal integrates with NADRA and PTA verifications. If the SIM is not in your name, your application will be rejected immediately. You must visit a franchise, get a SIM biometric verified in your name, and then update your profile before applying.

No. This facility is strictly for pre-departure processing expenses. 80% of the amount is used directly for air tickets and OEP fees via digital payments, while only 20% is given in cash for minor needs.

It depends on the reason for rejection. If it was due to a document error (like a blurred image), you can rectify it and re-apply. However, if you are rejected due to ineligibility (e.g., Salary > 5000 SAR or fake offer letter), you cannot appeal.

Conclusion: – Should You Apply for the Parwaaz Card?

The CM Punjab Parwaaz Card 2026 is a genuine opportunity for skilled professionals to secure their future abroad without the burden of initial heavy costs. Since the loan is interest-free and backed by the government, verified job holders should not miss this chance.

Quick Action Plan:

  • Check Eligibility: Ensure your salary offer is under SAR 5,000.
  • Visit Portal: Go to [parwaaz.psdf.org.pk] and register.
  • Get Support: If stuck, call the helpline at (042) 111-11-7733.

Recommended for Students: Are you not a job seeker but a student? The Punjab Government has also announced updates for students. Check the deadline for the CM Punjab Laptop Scheme 2026 Phase 2 here.

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