Parwaz Card
The CM Punjab Parwaz Card Program 2025 was introduced by the Punjab government with the goal of involving international Pakistani students in the economic growth of their homeland. The initiative gives young people with foreign education interest-free loans up to Rs. 3 million so they may start or grow enterprises in Punjab. Through the Asaan Karobar Scheme 2025, the program lowers financial barriers and provides soft support, establishing the groundwork for a forward-thinking, independent economy driven by young entrepreneurs.
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The Parwaz Card addresses the financial constraints frequently encountered by Pakistani students studying abroad by providing interest-free financing for companies in sustainable energy, technology, education, and other fields. Students may apply from anywhere in the globe thanks to the program’s easy online application procedure.
| Feature | Details |
|---|---|
| Program Name | CM Punjab Parwaz Card Program 2025 |
| Purpose | Support overseas Pakistani youth in launching businesses in Punjab |
| Loan Amount | Interest-free loans up to Rs. 3 million (Rs. 30 lakh) |
| Loan Categories | Tier 1: Up to Rs. 5 lakh (no collateral) Tier 2: Up to Rs. 30 lakh (with collateral) |
| Eligible Applicants | Overseas Pakistanis (Punjabi by birth), age 25–55, tax filer, valid CNIC/NICOP |
| Key Sectors Supported | Technology, clean energy, education, and other sustainable businesses |
| Special Benefits | Priority for women- and youth-led startups, no markup or service charges |
| Application Mode | Fully online via Punjab Government portal |
| Required Documents | CNIC/NICOP, NTN certificate, business plan, overseas proof, collateral (if Tier 2) |
| Support & Helpline | Helpline 1786 and nearest e-Khidmat Markaz for local assistance |
Key Benefits of the Parwaz Card for Students Abroad
- Interest-free loans up to Rs. 3 million, or Rs. 30 lakh
- Simple online application procedure for foreign applicants
- No markup or service fees when repaying the loan
- Extra help for tech-based and clean energy companies
- Favoritism for female entrepreneurs and youth-led businesses
- Easy document submission with online help accessible
By using the international exposure and experience of Pakistan’s young people living overseas, this initiative aims to boost the country’s economy in addition to helping individuals. Those who wish to invest their education and abilities in their home province will find this to be the perfect chance.
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Who is eligible to apply for a Parwaz card?
If they fulfill the following requirements, students and young professionals who reside outside of Pakistan may apply for the Parwaz Card:
- The candidate must be a Punjabi resident by birth.
- The ideal age range is 25 to 55 years old.
- A current CNIC or NICOP is necessary.
- must be a tax filer and possess a registered NTN.
- A legitimate business strategy is necessary for investing in Punjab.
- Collateral or evidence of property is required for loans over Rs 5 lakh.
This program makes sure that only deserving and serious applicants are granted loans, allowing the money to be used efficiently for Punjabi company growth.
Types of Loans Under the Scheme
Depending on the size of the company and the guarantee offered, the Parwaz Card offers two main types of loans.
Tier 1: Small Loan
Loans up to Rs. 5 lakh are available in this category without requiring a security guarantee. Small enterprises, fresh startups, and solo entrepreneurs looking to launch with a low-risk concept will find it suitable.
Tier 2: Big Loan
Up to Rs. 30 lakh in loans are available under this category. But it needs a guarantee of some kind, like real estate records or company assets. It is appropriate for companies that are already registered or for those preparing to launch larger-scale endeavors.
Required Application Documents
Applicants must have the following paperwork ready in order to submit an application from overseas:
- A valid copy of the NTN certificate and evidence of tax return, either CNIC or NICOP
- An estimated cost, scope, and impact of the business plan
- Evidence of residency or studying overseas
- Tier 2 loan collateral papers
Authorities can confirm your eligibility with the use of these papers, which also guarantee process openness.
How to Apply for Online: A Comprehensive Guide
- To learn more about the Parwaz Card Program, go to the official Punjab Government website.
- Press the “Apply Now” button.
- Provide correct information on the registration form, including your CNIC, email address, cellphone number, and NTN.
- Select the Tier of your loan (Tier 1 or Tier 2) and include pertinent company data.
- Upload scanned copies of any document that is needed.
- Fill out the online form and watch for confirmation.
- After your application is evaluated, you will receive an email or SMS.
Your loan will be given by a bank or online platform upon the completion of the verification procedure, and repayment will start after a brief grace period.
Why Students Abroad Should Take Advantage of This Chance
Students who live overseas have access to global experiences, market insights, and contemporary education. They may help create jobs and boost the economy by establishing enterprises in Punjab. Through this approach, they may stop worrying about money and start creating jobs rather than looking for them. By starting businesses in their hometowns, it also enables returning students to take charge of their careers.
Support for Young Entrepreneurs and Women
Women and young entrepreneurs are especially encouraged to participate in the program. Female candidates who want to launch enterprises in fields like education, digital technology, or renewable energy may be eligible for expedited approvals, streamlined paperwork, and extra support. In the business sector, this support is a significant step toward gender equality and financial inclusion.
Do You Need Help? Make use of Helpline 1786.
You can call the Punjab Government’s official hotline, 1786, if you need clarification on prerequisites or if you’re having trouble with the application process. For assistance and direction, those who are now in Pakistan can also go to the closest e-Khidmat Markaz.
Conclusion
The Punjab government’s innovative Parwaz Card Program 2025 enables young Pakistanis living abroad to invest in their education and skill sets in their home province. The program lowers financial obstacles and encourages entrepreneurship in important fields, including technology, clean energy, and education, by providing interest-free loans up to Rs. 3 million. Through easy-to-use online applications and targeted assistance for women and young entrepreneurs, this initiative contributes to the development of a more resilient Punjab run by entrepreneurs with an international perspective.
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FAQs
1. Who can apply for the Parwaz Card Program 2025?
Only overseas Pakistanis who are Punjabi by birth, aged between 25 and 55, and possess a valid CNIC or NICOP can apply. Applicants must also be tax filers with an active NTN and a solid business plan for launching or expanding a business in Punjab.
2. What is the difference between Tier 1 and Tier 2 loans under the Parwaz Card?
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Tier 1 Loans: Up to Rs. 5 lakh with no collateral required; ideal for small startups.
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Tier 2 Loans: Up to Rs. 30 lakh with collateral (property or business assets); suitable for larger business ventures.
3. How can I apply for the Parwaz Card from abroad?
You can apply online via the official Punjab Government website. Fill out the form with your CNIC/NICOP, NTN, and business details, and upload required documents. Once verified, your interest-free loan will be issued through a bank or online platform.