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.

Hunarmand Naujawan Parwaaz Card 2026 | CM Punjab Scheme

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.

Important: Applicants must ensure their CNIC is not expired before applying. Verify your CNIC status at nadra.gov.pk before submitting your 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.

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Hunarmand Naujawan Parwaaz Card 2026

What is Hunarmand Naujawan Parwaaz Card 2026?

Key Point

Who can apply?

. How to apply – Step‑by‑step

Frequently Asked Questions (FAQs)

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