Do I have to repay the loan if I don’t go abroad?

No. The loan is contingent on successful overseas placement. If you withdraw the application before the card is issued, the loan is cancelled

Can I use the Card for cash withdrawals?

Yes, at any ATM in Pakistan. Cash‑withdrawal fee is 0 % (government‑subsidised)

What happens if my overseas employer changes the salary to SAR 5,500?

The Card will be blocked automatically because the offer no longer meets the SAR 5,000 limit. You must obtain a new offer letter ≤ SAR 5,000 to reactivate it.

No. The loan is classified as a government welfare loan and is exempt under Section 45(1) of the Income Tax Ordinance 2001.

Do I have to repay the loan if I don’t go abroad?

No. The loan is contingent on successful overseas placement. If you withdraw the application before the card is issued, the loan is cancelled

Can I use the Card for cash withdrawals?

Yes, at any ATM in Pakistan. Cash‑withdrawal fee is 0 % (government‑subsidised)

What happens if my overseas employer changes the salary to SAR 5,500?

The Card will be blocked automatically because the offer no longer meets the SAR 5,000 limit. You must obtain a new offer letter ≤ SAR 5,000 to reactivate it.

No. The loan is classified as a government welfare loan and is exempt under Section 45(1) of the Income Tax Ordinance 2001.

Verified Department Guide 2 min read

Business Initiative• Audited: Verified 2026

Hunarmand Naujawan Parwaaz Card 2026

Check Eligibility Online Guide Contents ↓Official Portal

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Independent Citizen Advisory Guide: This portal is an independent, non-governmental informational service created to help Pakistani citizens navigate public subsidies, loan schemes, and welfare initiatives with verified direct links to official government submission portals.

Scheme at a Glance (Executive Summary)

Updated for 2026 Session

Benefit / PackageSubsidized Financial Support

Application DeadlineOpen / Rolling Submissions

Target BeneficiaryBusiness Residents

Governing AuthorityGovernment of Punjab, Pakistan

What is Hunarmand Naujawan Parwaaz Card 2026?

The Hunarmand Naujawan Parwaaz Card is a government‑backed, interest‑free loan facility launched by the Government of the Punjab under the leadership of Chief Minister Maryam Nawaz Sharif.

It is aimed at skilled Pakistani workers (male and female) who have secured a job offer from an overseas employer and need help paying the up‑front, pre‑departure expenses that normally block them from going abroad.

Program Scope & Detailed Structure

⚠️ Details not yet independently confirmed: Complete official information for this section is pending publication. Please consult the official government portal for verified guidelines.

Interactive Eligibility Self-Check

Tap each requirement to check whether you meet the primary criteria for this scheme:

⚠️ Eligibility criteria awaiting verification: Official detailed criteria for this initiative are currently being updated. Please refer to the official government portal for the most authoritative guidelines.

Program Benefits & Financial Relief

⚠️ Details not yet independently confirmed: Complete official information for this section is pending publication. Please consult the official government portal for verified guidelines.

How to Apply & Step-by-Step Registration Guide

Document & CNIC Preparation

Ensure your valid CNIC, Punjab domicile certificate, income/business proof, and active mobile SIM registered on your own CNIC are prepared.

Online Application Submission

Visit the designated government portal, fill out the application form carefully, and upload scanned copies of required credentials.

Verification & NADRA Scrutiny

The authorities will cross-check your record against the NADRA database and program guidelines. You will receive SMS alerts on your registered number.

Balloting / Grant Disbursement

Successful candidates will receive official confirmation letters or bank disbursement instructions to complete the process.

For the verified step-by-step registration workflow, please visit the official government portal.

VERIFIED GOVERNMENT ACTION HUB

Ready to Apply for Hunarmand Naujawan Parwaaz Card 2026?

Always submit your application directly on the authorized government portal. Beware of fraudulent middlemen or unverified third-party submission fees.

Visit Official Portal

NADRA CNIC Verification Requirement: All applicants must possess a non-expired CNIC/Smart Card. Please verify your CNIC status through nadra.gov.pk prior to submitting your formal application.

Key Point

Feature	Traditional loan/borrowing	Parwaaz Card (Punjab)
Interest	12‑24 % p.a. from commercial banks	0 % (interest‑free)
Purpose‑specific	General purpose – can be mis‑used	Covers medical, visa, protectorate fees, air ticket, skill‑verification test, OEP fee only
Delivery	Cash disbursement to personal account	Direct credit to the Parwaaz Card – can be used at ATMs, POS terminals, or online (no cash‑withdrawal fees)
Repayment	Fixed monthly instalments, often unaffordable	Flexible repayment – up to 24 months after the worker lands abroad, automatically deducted from the first salary abroad
Oversight	Private lenders – limited monitoring	Managed by Punjab Overseas Employment Authority (POEA), audited by Punjab Finance Department and PERA (Public Accounts Committee)

Who can apply?

Requirement	Details (as per Parwaaz.psdf.org.pk)	How to prove it
Age	≥ 18 years (no upper limit)	Date of birth on CNIC
Citizenship	Must hold a valid Computerized National Identity Card (CNIC)	Original CNIC (both front & back)
Residency	Permanent resident of Punjab (any district)	Domicile certificate or utility bill showing Punjab address (≤ 3 months old)
Gender	Open to all – male & female	No restriction
Job Offer	Confirmed, written offer letter from a foreign employer outside Pakistan	Letter must contain employer name, job title, salary, and contract duration (must be in English or Urdu)
Salary Limit	≤ SAR 5,000 per month (≈ USD 1,350)	Salary shown on the offer letter – must be ≤ SAR 5,000
Skill Level	Must possess a recognised skill/training certificate relevant to the overseas job (e.g., welding, HVAC, nursing, IT)	Copies of skill certificates, NADRA‑verified training records, or foreign qualification equivalence
Clean legal record	No criminal conviction related to human trafficking, fraud, or illegal migration	Police clearance (available online via Punjab Police portal)

. How to apply – Step‑by‑step

Step	Action	Downloadable PDF
1️⃣ Register on the portal	Go to https://parwaaz.psdf.org.pk → click “Create New Account” → fill CNIC, name, phone, email.	[PDF – “Parwaaz Card Application Guide (12 pages)”]
2️⃣ Upload documents	Upload: (a) CNIC front & back, (b) Job offer letter, (c) Skill‑certificate, (d) Domicile, (e) Police clearance. Accepted formats: PDF, JPG, PNG – max 2 MB each.	–
3️⃣ Submit & receive reference	Click “Submit Application” → you get a Reference ID via SMS and email.	–
4️⃣ Visit a facilitation camp	Locate the nearest camp (167 across Punjab) using the map on the site. Bring original documents + SMS Reference ID.	–
5️⃣ Card issuance	At the camp, staff verifies documents, prints the Parwaaz Card, and loads the approved interest‑free loan amount (up to PKR 200,000). Card is mailed to your home address within 48 hrs or handed over at the camp.	–
6️⃣ Activate & use	Change default PIN (1234) at any ATM, then use the Card for flights, visa fees, etc. The loan is automatically transferred to the Parwaaz Card wallet and can be spent directly at merchants that accept Visa/MasterCard.