The Government of Punjab has launched the Parwaaz Card Program to help skilled and semi-skilled youth take up verified overseas job offers without being held back by upfront travel and visa costs. Managed by the Punjab Skills Development Fund (PSDF) in partnership with the Bank of Punjab, and launched under Chief Minister Maryam Nawaz Sharif's Hunarmand Naujawan Program, the scheme provides an interest-free loan (Qarz-e-Hasna) to cover pre-departure expenses for international employment.
In this guide, we explain what the Parwaaz Card Punjab program offers, who is eligible, how much loan you can get, and the complete step-by-step process to apply online.
What Is the Parwaaz Card Program?
Parwaaz, meaning "flight" in Urdu, reflects the purpose of the scheme: helping Punjab's skilled workforce take flight toward legal, safe overseas employment. Many workers in Punjab secure genuine job offers abroad but are unable to travel because they cannot afford visa fees, medical tests, air tickets, and agent charges. The Parwaaz Card removes this financial barrier by offering a structured, government-backed interest-free loan through the Bank of Punjab, paired with pre-departure training in soft skills, financial literacy, and cultural orientation.
The program is designed to work only through licensed Overseas Employment Promoters (OEPs), helping job seekers avoid fraudulent agents and unsafe migration routes.
Parwaaz Card Loan Amount
Under an official agreement between PSDF and the Bank of Punjab, the Parwaaz Card Scheme provides an interest-free loan of up to Rs. 1,000,000 (10 lakh) to 45,000 skilled youth in its initial phase, covering sectors such as construction, retail, caregiving, hospitality, and other allied trades.
The loan can be used to cover:
- Visa processing and stamping fees
- Medical examination charges
- Air ticket costs
- Protectorate fees
- Skill verification test fees
- Overseas Employment Promoter (OEP) charges
According to the official process, once an application is approved, 20% of the loan is released directly to the applicant to begin documentation, while the remaining 80% is paid on their behalf for visa stamping, ticketing, and OEP charges — ensuring the funds are used strictly for the intended travel expenses.
Note: Some unofficial websites also advertise a separate "Parwaaz Card business loan" of up to Rs. 30 lakh. That offer actually belongs to a different Punjab government scheme, the Asaan Karobar Finance Scheme / Asaan Karobar Card, and should not be confused with the overseas employment Parwaaz Card described here. Always verify details on the official PSDF portal.
Parwaaz Card Eligibility Criteria
To qualify for the Parwaaz Card, applicants must generally meet the following conditions:
- Must be at least 18 years of age.
- Must hold a valid Computerized National Identity Card (CNIC).
- Must be a permanent resident (domicile holder) of Punjab.
- Must possess a verified overseas job offer issued by an authorized/licensed employer or OEP.
- Applicants without a job offer yet can still register as a "Job Seeker" on the portal and apply for the loan once they receive a verified offer.
Documents Required to Apply
- Valid CNIC (original and copy)
- Verified overseas job offer letter
- Passport-size photographs
- Medical certificate (once completed)
- Skill verification certificate, where applicable
- Active mobile number registered on the applicant's own CNIC
How to Apply for Parwaaz Card Online
- Visit the official PSDF portal: parwaaz.psdf.org.pk
- Click "Sign Up for Parwaaz Card" to create your account.
- Register using your CNIC number and a mobile number registered in your own name; verify via OTP.
- If you already have a job offer, apply directly. If not, register as a Job Seeker first.
- Upload your job offer letter, CNIC copy, and passport-size photo.
- PSDF reviews and verifies your application and job offer, with identity verification through NADRA.
- Once approved, the Bank of Punjab issues the Parwaaz Card and handles loan disbursement.
- Complete the mandatory pre-departure training before travel.
Parwaaz Card Helpline
For guidance on registration, application status, or to report suspicious agents, citizens can contact the official Government of Punjab helpline: 1786. Applications are accepted only through the official portal — the government advises applicants never to trust WhatsApp groups, Facebook pages, or third-party "facilitators" claiming to process Parwaaz Card loans.
Frequently Asked Questions (FAQs)
Q1. What is the Parwaaz Card Punjab program?
It is a Punjab government initiative, run through PSDF and the Bank of Punjab, that provides an interest-free loan to skilled workers with verified overseas job offers to cover their pre-departure expenses.
Q2. How much loan can I get under Parwaaz Card?
Eligible applicants can get an interest-free loan of up to Rs. 1,000,000, disbursed in a 20%/80% split to cover visa, medical, ticketing, and OEP costs.
Q3. Is the Parwaaz Card loan really interest-free?
Yes, it is a Qarz-e-Hasna (interest-free loan) — you only repay the exact amount disbursed to you, with no additional charges.
Q4. Can I apply without an overseas job offer?
Yes, you can register as a Job Seeker on the Parwaaz portal and apply for the loan once you secure a verified job offer.
Q5. How do I apply for Parwaaz Card online?
Apply through the official portal at parwaaz.psdf.org.pk using your CNIC and a registered mobile number.
Q6. What is the Parwaaz Card helpline number?
The official Government of Punjab helpline is 1786.
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For video guide, view this video
Disclaimer: This post is for informational purposes only, based on public news reports and the official PSDF portal. Applications for the Parwaaz Card are completely free — apply only through the official website parwaaz.psdf.org.pk and never pay any agent or third party claiming to guarantee approval.
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