Parwaaz , The Punjab Government, under the leadership of Chief Minister Maryam Nawaz, has officially launched the Parwaaz Card Online Portal. This digital initiative, managed by the Punjab Skills Development Fund (PSDF), is designed to help skilled workers from Punjab move abroad for work without worrying about high upfront costs like visa fees and air tickets.
The Parwaaz Card provides a Qarz-e-Hasana (interest-free loan) that you can pay back in easy installments once you start earning your salary in a foreign country. Parwaaz
Quick Summary: Parwaaz Card Scheme 2026
| Feature | Details |
| Launch Date | January 28, 2026 (Digital Phase) |
| Loan Type | Interest-Free (Qarz-e-Hasana) |
| Salary Limit | Job offer must be less than SAR 5,000/month |
| Official Website | parwaaz.psdf.org.pk |
| Managed By | Punjab Skills Development Fund (PSDF) |
How the Loan Works (The 20/80 Rule)
To ensure the money is used correctly for travel and visa expenses, the loan is released in two stages:
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Initial 20%: Released in Cash to the applicant for basic preparations.
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Final 80%: The remaining amount is split, with 20% in cash and 60% paid digitally directly for ticket bookings and official recruitment fees.
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Eligibility Criteria
Before applying on the portal, make sure you meet these government requirements:
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Punjab Domicile: You must be a permanent resident of Punjab.
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Age Limit: Minimum age of 18 years.
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Income Cap: Your overseas salary offer must be under 5,000 SAR (or equivalent).
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Guarantor: You must provide a Co-borrower (guarantor) who lives in Pakistan.
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Verified SIM: Your mobile number must be registered in your own CNIC.
How to Apply Online (Categories)
The parwaaz.psdf.org.pk portal has three main sections. Pick the one that fits your current situation:
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Category A: Job Holders: If you already have a job offer letter, sign up with your CNIC, upload your offer letter (under 5,000 SAR), and provide your guarantor’s details. Approval usually takes 7-10 days.
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Category B: Job Seekers: If you have the skills but no job yet, register as a “Job Seeker” to browse verified overseas demands from licensed agencies. Once you get a job, you can apply for the loan.
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Category C: Partners (OEPs): This is for licensed recruitment agencies to post job demands and help candidates get their loans verified.
Official Support Channels
If you face any technical issues or need guidance, use these official contact points:
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PSDF Helpline: (042) 111-117-733 (Mon-Fri, 9 AM – 5 PM)
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Hunar Helpline: 0800-48627 (For skill-related queries)
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Email Support: parwaaz.info@psdf.org.pk
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Conclusion
The CM Punjab Parwaaz Card 2026 is a golden opportunity for skilled professionals to build a career abroad without the stress of initial debt. By providing an interest-free loan, the government is making it easier for the youth of Punjab to secure their future. Just ensure your job offer is from a licensed agent and your salary is within the limit before you apply.
(FAQs)
Can I apply if my visa is for a private company?
Yes, as long as your job offer is verified by a licensed Overseas Employment Promoter (OEP) and the Protectorate of Emigrants, you are eligible.
Is a guarantor mandatory?
Yes, providing a Co-borrower (guarantor) is a strict requirement to secure the loan.
Why would my application be rejected?
Common reasons include a salary offer above 5,000 SAR, using a SIM card not registered in your name, or submitting an offer letter from an unlicensed agent.
Would you like me to find the list of licensed recruitment agencies (OEPs) in your city so you can find a verified job?