Parwaaz Card Punjab: Interest-Free Loan for Overseas Jobs
Parwaaz Card is a Government of Punjab scheme, run through the Punjab Skills Development Fund (PSDF), that gives interest-free loans to Punjab residents who already hold an overseas job offer. The loan covers pre-departure costs such as visa and protectorate fees, medical tests, air tickets and approved OEP charges. Applicants must be 18 or older, hold a valid CNIC and apply online on the official portal.
Parwaaz Card at a glance
| Item | Details |
|---|---|
| Programme | CM Punjab Parwaaz Card Scheme for International Placement, run by the Government of Punjab through PSDF |
| Who can apply | Punjab residents aged 18 or older with a valid CNIC, a confirmed overseas job offer letter and a guarantor |
| Lender role | Bank of Punjab handles KYC verification, loan appraisal, approval, disbursement and repayment |
| Official portal | parwaaz.psdf.org.pk, the only place to apply |
| Portal launched | 28 January 2026 |
Everything above was checked against the official portal and published announcements on 21 October 2026. Rules can change, so confirm the current details on the portal before you apply.
What does the Parwaaz Card loan cover?
The Parwaaz Card loan is meant for the costs you pay before you fly. According to the portal, it covers medical tests, visa and protectorate fees, air tickets, skill or trade testing where required, approved OEP charges and other relevant expenses supported by receipts. It is not a grant and it does not pay salary: you repay the loan, without interest.
Read how the amount, staged disbursement and repayment work on the Parwaaz Card loan amount and repayment page.
Which route fits you?
I have a job offer
Job holder: apply for the interest-free loan once your documents and guarantor are ready.
How to applyI am still looking
Job seeker: register free, browse job demands from licensed OEPs, apply for the loan after you get an offer letter.
Job seeker guideI run an OEP
BEOE-licensed promoters can register free and post job demands. Only approved fees are allowed.
OEP guideHow the process works
- Get a confirmed job offer letterFrom an overseas employer, ideally through a BEOE-licensed OEP.
- Register on the official portalUse your CNIC and a mobile number registered in your own name.
- Apply, upload documents, add a guarantorA guarantor is mandatory.
- Verification and appraisalAfter verification, applications are processed within 7–10 working days.
- Funds are released in stages20% cash first, then 20% cash and 60% by card for the air ticket and OEP charges.
Parwaaz Card timeline: key dates
Where this site relies on a news report instead of the portal, the page says so. The amount history is explained on the loan amount and repayment page.
The full document list is on the documents required page, and each condition is explained in Parwaaz Card eligibility.
Common mix-ups to avoid
- Parwaaz Card is for overseas employment. It is not a business loan: see is Parwaaz Card a business loan.
- A job offer is required for the loan. Without one, you can register as a job seeker only.
- The scheme does not guarantee a job or automatic approval. Approval follows verification.
- This website is not the official portal. It takes no applications and no payments.
Official help lines
The PSDF helpline is (042) 111 11 PSDF (7733), Monday to Friday, 9 AM to 5 PM. Every official contact, including email and the Hunar helpline, is listed on the Parwaaz Card helpline and contact page.
PSDF helpline (UAN)
Portal guidance and general support
Call PSDFHunar helpline
Training and skill development
Call HunarCopied from the Contact page of the official portal and checked on 21 October 2026.
Frequently asked questions
Is this the official Parwaaz Card website?
No. Parwaz Card Online is an independent guide. It does not accept applications, collect fees or approve loans. Apply only on the official portal run by PSDF.
Is the Parwaaz Card loan really interest-free?
Yes. The portal describes it as an interest-free loan repaid in easy monthly instalments, so you repay the amount you borrowed without markup.
How long does Parwaaz Card approval take?
After verification, applications are processed within 7–10 working days. Missing or unclear documents can slow verification down.
Can women apply for Parwaaz Card?
Yes. Reports on the scheme state it is open to both men and women who meet the conditions.
Last checked against the official portal and announcements: 21 October 2026.