CM Punjab Parwaz Card
The CM Punjab Parwaz Card Scheme is a youth-focused initiative under the provincial development agenda of Punjab. Designed to enhance technical skills and employability, the Parwaz Card provides registered youth with specialized training programs and support aimed at securing good jobs or starting business ventures. It builds on the broader social investment strategy of Chief Minister Maryam Nawaz Sharif across the province for education, access to jobs, and the well-being of the youth.
The scheme reflects the government’s move towards inclusive economic development. Along with initiatives like Himmat Card, Minority Card, and Labor Card, Parwaz Card also targets youth with vocational training and certification, with the aim of providing meaningful employment rather than temporary relief and providing jobs to the poor so that Pakistan can prosper and everyone can have a better future in their lives.
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Business loan facilities under CM Punjab Parwaz Card
CM Punjab Parwaz Card Scheme also provides business loan facilities, which aim to empower youth and small business people in Punjab. Under the scheme, two types of interest-free loans are provided, which are listed below:
- Loans up to PKR 500,000 will be available without the need for collateral
- Loans up to PKR 3,000,000, which require property or asset-based security.
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Eligibility criteria for CM Punjab Parwaz Card application
To be eligible for the CM Punjab Parwaz Card, follow these conditions:
- To be eligible for this scheme, the age should be between 21 and 57 years
- Must be a permanent resident of Punjab
- Must have your valid CNIC and a valid registered Shoda mobile number
- Must have a plan to do business in Punjab
- Must be a registered tax filer with a clean credit history
Know that you can be eligible for this scheme by following these conditions, and make sure that only eligible people can get interest-free business loans under the scheme.
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Documents required for CM Punjab Parwaz Card
Here is the list of essential documents required to apply for the CM Punjab Parwaz Card Business Loan:
- Make sure to have front and back copies of CNIC, as well as a passport-size photograph
- Proof of tax filing
- Business income and expense statements are mandatory, such as bank or sales records, etc.
- Bring proof of business and residential address
- CNIC copies and contact details for personal or business referees
That’s all you need, and know that before uploading to the portal, make sure that all documents are clear digital scans.
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How to apply for the CM Punjab Parwaz Card?
To apply for CM Punjab Parwaz Card, you have to follow these steps:
- If you want to apply online, you can sign up on the official portal using your CNIC-linked mobile number.
- Then fill in your personal business and tax details correctly to complete the application.
- Submit a small processing fee, for example, PKR 500.
- Upload documents that include CNIC, photograph, tax proof, address, and business information.
- Submit the form and get updates via SMS or the portal, which you will receive in a short time.
- If approved, you can get your loan through the SME Card from Bank of Punjab.
Note that the loan is interest-free with a short grace period before the repayments start.
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How to use the CM Punjab Parwaz card after approval?
Once approved, the Parvez Card works like a smart debit card. You can use it to pay for business-related expenses such as purchasing equipment, paying utility bills, or covering vendor payments. Up to 25% cash withdrawal is allowed for flexible needs, while the rest must be spent digitally. The card ensures transparent, interest-free credit utilization and easy tracking of spending, and repayments begin after a grace period.
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Solutions to common problems encountered in the CM Punjab Parwaz Card application
- Application rejected: Review eligibility, tax status, and document accuracy before reapplying.
- Delayed approval: Ensure all documents are complete and follow up through the portal or helpline.
- Card not received: Contact Bank of Punjab or track via courier with your reference number.
- Login issues: Reset password or clear browser cache. Use mobile linked to CNIC.
- Loan not usable: Use card for approved business payments only. Avoid non-business usage to prevent blocking.
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Frequently Asked Questions
Who can apply for the Parwaz Card?
Any resident of Punjab aged 21 to 57 with a valid CNIC, active tax status, and a business idea or existing setup can apply.
Is the loan completely interest-free?
Yes, all loans provided under the Parwaz Card are 100% interest-free.
What is the maximum loan amount?
You can get up to PKR 3,000,000, depending on your eligibility and business needs.
How will I receive the loan?
The approved amount is issued through a smart SME card, which can be used for business transactions.
Can I withdraw cash from the card?
Yes, you can withdraw up to 25% of the loan amount in cash; the rest must be spent digitally.
What happens if I miss a repayment?
Missing repayments may lead to penalties and could affect your credit history. It’s important to repay on time.
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Conclusion
CM Punjab Perwaz Card 2025 is a bold step towards empowering youth, small businesses and aspiring entrepreneurs across Punjab. With interest-free loans, digital SME cards, and a transparent system, it opens new doors to financial freedom and economic growth. Whether you are starting a new business or expanding an existing one, Parwaz Card provides the support you need safely, smartly and without burden.