CM Punjab Parwaz Card 2025 – How to Apply & Who Can Get It

Starting a business in Punjab just got easier. The CM Punjab Parwaz Card 2025 is a new program from Chief Minister Maryam Nawaz that gives people loans without charging any interest.

If you have a business idea but don’t have enough money to start, this card can help you. The best part? You only pay back what you borrow—no extra charges, no hidden fees.

This program is part of the Asaan Karobar Scheme and aims to help young people, women, and small business owners turn their dreams into reality.

Whether you want to open a shop, start a service, or grow your existing business, the Punjab Parwaz Card gives you the financial push you need.

What is the CM Punjab Parwaz Card 2025?

The CM Punjab Parwaz Card 2025 is a government program that provides interest-free business loans to people living in Punjab. The program was created to help those who struggle to get money from banks because of high interest rates or complicated paperwork.

This initiative offers loans up to Rs 3 million (30 lakh) and targets three main groups: young entrepreneurs, women business owners, and people running small or medium businesses. The Parwaz Card program works alongside other government schemes like the Asaan Karobar Card and helps create jobs while reducing unemployment across the province.

Unlike regular bank loans that charge interest and make you pay more than you borrowed, the Punjab government Parwaz Card lets you pay back only the actual amount. This means if you borrow Rs 500,000, you return exactly Rs 500,000—nothing more. This makes it one of the most affordable business financing options available in Pakistan today.

Why Was This Program Started?

Punjab is home to millions of talented people who have great business ideas but can’t afford to start. Many young graduates finish their education but can’t find good jobs. Women with skills often stay home because they lack startup money. Small shop owners want to expand but can’t because banks charge too much interest.

The CM Maryam Nawaz Parwaz Card solves these problems. According to the Punjab government’s official data, unemployment among youth was a major concern, and this program directly addresses that issue. By giving people access to money without interest, the government is helping create thousands of new businesses and jobs.

This program also supports Pakistan’s economic development goals by encouraging people to become self-employed rather than depending on limited government jobs.

Who Can Apply for the Parwaz Card?

Not everyone can get this card. The Punjab government has set clear rules about who qualifies. Here’s what you need to be eligible for the CM Punjab Parwaz Card 2025:

Basic Requirements

• Age: You must be between 25 and 55 years old
• Residence: You must live permanently in Punjab
• ID Card: You need a valid CNIC (Computerized National Identity Card)
• Tax Number: You must have an active NTN (National Tax Number) and file taxes
• Credit History: Your financial record should be clean with no major loan defaults
• Business Location: Your business must operate in Punjab

Additional Requirements

• Gender: Both men and women can apply, but women get special priority
• Collateral: For loans above Rs 5 lakh, you may need to show property or assets as guarantee
• Business Plan: New entrepreneurs need to show a clear business plan
• Existing Business: If you already run a business, you need proof of registration

The government wants to make sure the money goes to people who will actually use it to build businesses. If you meet these requirements, you have a good chance of getting approved.

How Much Money Can You Get?

The Parwaz Card loan amount depends on what kind of business you want to start or grow. The program offers two different tiers:

Tier 1 – Small Business Loan

• Loan Amount: Up to Rs 5 lakh (500,000)
• Collateral Needed: No
• Best For: New startups, small shops, home-based businesses
• Repayment Time: Up to 3 years
• Interest Rate: 0% (completely free)

This tier is perfect if you’re just starting out. Maybe you want to open a small retail shop, start a tailoring business from home, or launch a food delivery service. You don’t need to put up any property or assets as guarantee.

Tier 2 – Medium Business Loan

• Loan Amount: Rs 5 lakh to Rs 30 lakh (3 million)
• Collateral Needed: Yes (property documents or business assets)
• Best For: Growing businesses, manufacturing units, larger retail operations
• Repayment Time: Up to 5 years
• Interest Rate: 0% (completely free)

This tier suits people who already have some business experience and want to expand. If you run a small factory and want to buy new machines, or if you have a shop and want to open more branches, this is for you.

Remember, with both tiers, you get a grace period of up to 3 months before you have to start paying back the loan. This gives you time to set up your business and start earning before repayments begin.

How to Apply Online for CM Punjab Parwaz Card 2025

Applying for the Parwaz Card is simple because everything happens online. You don’t need to visit any office or wait in long lines. Here’s the complete Parwaz Card apply online process:

Step 1: Gather Your Documents

Before you start, make sure you have these documents ready:

• CNIC (both sides scanned)
• Recent passport-size photograph
• NTN certificate
• Proof of residence (utility bill or rent agreement)
• Bank account details
• Business plan (for new businesses) or business registration certificate (for existing businesses)
• Educational certificates
• For Tier 2 loans: property documents or asset proof

Step 2: Visit the Official Portal

Go to the official Parwaz Card portal (the exact website will be announced by the Punjab government). You can also access it through the e-Khidmat Center website or the Punjab Small Industries Corporation (PSIC) page.

Step 3: Create Your Account

Click on “Apply Now” and register using your CNIC number and mobile phone. You’ll receive a verification code on your phone. Enter this code to activate your account.

Step 4: Fill the Application Form

Enter all your personal details carefully:

• Full name (as it appears on your CNIC)
• Father’s name
• Date of birth
• Complete address
• Phone number and email
• NTN number
• Business type and location

Step 5: Choose Your Loan Tier

Select either Tier 1 (up to Rs 5 lakh) or Tier 2 (up to Rs 30 lakh) based on your needs and collateral availability.

Step 6: Upload Documents

Scan and upload all required documents. Make sure the images are clear and readable. The system might reject blurry or incomplete documents.

Step 7: Provide Business Details

Explain what kind of business you want to start or expand. Include:

• Type of business (retail, service, manufacturing, etc.)
• Expected monthly income
• How you’ll use the loan money
• Your business experience (if any)

Step 8: Submit and Track

After reviewing everything, click “Submit.” You’ll get a confirmation message with an application tracking ID. Save this number because you’ll need it to check your status.

You can track your Parwaz Card application status anytime by entering your CNIC or tracking ID on the portal.

What Happens After You Apply?

Once you submit your application, the government starts processing it. Here’s what happens behind the scenes:

Verification (1-2 weeks)

The Punjab Information Technology Board (PITB) checks your documents against NADRA and FBR databases to confirm you’re a real person with a valid tax record.

Assessment (2-3 weeks)

Government officials review your business plan and financial background. They want to see if your business idea is realistic and if you can repay the loan.

Approval (1 week)

If everything looks good, you get approved. You’ll receive a confirmation SMS or email with details about the next steps.

Disbursement (1-2 weeks)

The loan money is transferred directly to your bank account. You can now use it to start or grow your business.

The entire process usually takes 3 to 6 weeks from application to getting the money.

Special Benefits for Women and Young Entrepreneurs

The CM Punjab Parwaz Card 2025 gives extra support to women and youth. Here’s what makes it special for these groups:

For Women Entrepreneurs

• Easier Requirements: Some documentation rules are relaxed
• Higher Priority: Women’s applications get processed faster
• Free Training: Access to business skills workshops and mentorship
• Networking Support: Connect with other women business owners
• Marketing Help: Guidance on promoting your business

For Young Applicants (Age 25-35)

• Skill Development: Free training in various business fields
• Tech Support: Help with digital marketing and online sales
• Innovation Bonus: Extra points for new or creative business ideas
• Flexible Terms: More understanding during the initial business phase

The government understands that women and young people face unique challenges when starting businesses. These extra benefits help level the playing field.

Which Banks Are Part of This Program?

The Parwaz Card program partners with several trusted banks in Pakistan. These banks handle the loan disbursement and repayment:

• Bank of Punjab (BOP)
• National Bank of Pakistan (NBP)
• Meezan Bank
• Bank Alfalah
• Habib Bank Limited (HBL)
• MCB Bank

You can choose which bank you want to work with when you apply. The loan terms remain the same regardless of which bank you pick.

The Punjab Small Industries Corporation (PSIC) and Punjab Information Technology Board (PITB) oversee the entire program to ensure everything runs smoothly.

Common Questions About the Parwaz Card

Do I have to pay any fees to apply?

No. The entire application process is completely free. The government covers all administrative costs. If anyone asks you for money to process your application, they are trying to scam you. Report such cases immediately.

Can I apply if I’m already running a business?

Yes. The Parwaz Card is for both new startups and existing businesses that want to expand. Just make sure you have proper business registration documents.

What if I don’t have property for collateral?

If you need less than Rs 5 lakh, you don’t need collateral at all. Apply for Tier 1 instead of Tier 2.

Can I apply from outside Punjab?

No. This program is only for permanent residents of Punjab. You must have a Punjab address on your CNIC.

What happens if I can’t repay the loan on time?

Contact your bank immediately if you’re having trouble. They may offer a grace period or restructure your repayment plan. Don’t ignore the problem because it could affect your credit score.

Can I get the loan for any type of business?

Most legal businesses qualify, but the government prioritizes sectors like retail, services, small manufacturing, agriculture, and technology. Businesses related to clean energy and eco-friendly practices get extra consideration.

How long does the approval take?

Typically 3 to 6 weeks from the date you submit your application. However, this can vary based on how many applications the government is processing.

How to Get Help During the Application Process

If you face any problems while applying for the CM Punjab Parwaz Card online registration, you have several options:

Government Helpline

Call 1786 (the Punjab government helpline). This number is toll-free and operators can help you in Urdu, Punjabi, and English.

E-Khidmat Centers

Visit your nearest e-Khidmat Center. These centers are located across Punjab and have staff who can help you with the online application. They can also help if you don’t have internet access at home.

Official Website

Check the official portal for FAQs and video tutorials. The government regularly updates these resources to help applicants.

Social Media

Follow official Punjab government social media accounts for announcements and updates about the program.

Tips for a Successful Application

Here are some practical tips to increase your chances of getting approved:

1. Be Honest: Don’t exaggerate your business plans or provide false information. The verification process will catch inconsistencies.
2. Have a Clear Plan: Know exactly what you’ll do with the money. Vague plans like “I’ll start some business” won’t get approved.
3. Check Your Documents: Make sure all your papers are valid and not expired. An expired CNIC or NTN can delay your application.
4. File Your Taxes: If you haven’t filed taxes in recent years, do it before applying. Tax filing is a mandatory requirement.
5. Keep Copies: Save copies of everything you upload. You might need them later.
6. Follow Up: Use your tracking ID to check your application status regularly. If there’s a problem, you’ll know early.
7. Be Patient: The government receives thousands of applications. Your approval might take a few weeks, but it’s worth the wait.

How This Program Helps Punjab’s Economy

The CM Punjab Parwaz Card 2025 does more than help individual business owners. It benefits the entire province in several ways:

Job Creation

When people start new businesses, they hire employees. One successful business can create 5 to 10 jobs. With thousands of loans being given out, this means tens of thousands of new jobs across Punjab.

Reduces Unemployment

Young graduates who couldn’t find jobs can now create their own. Instead of waiting for someone to hire them, they become their own bosses.

Women Empowerment

Many talented women in Punjab stay home because they don’t have business capital. This program gives them a chance to earn and become financially independent.

Local Economic Growth

When small businesses grow, they buy supplies from other local businesses. This creates a positive cycle where money circulates within Punjab’s economy.

Less Dependence on Foreign Loans

When people become self-employed and start paying taxes, the government has more revenue. This reduces the need to borrow money from other countries.

What Makes This Program Different from Bank Loans?

You might wonder why you should apply for the Parwaz Card instead of getting a regular bank loan. Here’s the comparison:

Traditional Bank Loans

• Interest rates from 15% to 25% per year
• Complicated paperwork
• Long approval process (2-3 months)
• Strict collateral requirements
• Hidden charges and processing fees
• Difficult for new entrepreneurs to qualify

CM Punjab Parwaz Card

• 0% interest rate (completely free)
• Simple online application
• Faster approval (3-6 weeks)
• No collateral needed for loans up to Rs 5 lakh
• No hidden charges
• Special support for first-time business owners

The difference is clear. With a bank loan, you might borrow Rs 500,000 but end up paying back Rs 700,000 or more because of interest. With the Parwaz Card, you borrow Rs 500,000 and pay back exactly Rs 500,000.

Success Stories and Impact

While the program is relatively new, early reports show positive results. Many young people across Punjab have already received funding and started their businesses. From small grocery stores in rural areas to tech startups in Lahore, the Parwaz Card is making a difference.

Women entrepreneurs are particularly benefiting. In traditional Pakistani culture, women often face barriers to starting businesses. The Punjab Parwaz Card program is changing that by providing financial support and encouragement.

The government plans to help 100,000 people in the first phase of this program. If successful, it will expand to help even more people in the coming years.

Important Things to Remember

Before you apply for the CM Punjab Parwaz Card 2025, keep these important points in mind:

• This is a loan, not a grant. You have to pay the money back (though without interest).
• You must use the money for business purposes only. Using it for personal expenses violates the agreement.
• Your repayment history will be recorded. If you default, it affects your credit score and future loan eligibility.
• The program is only for Punjab residents. If you move out of Punjab, inform the authorities.
• Keep all your business receipts and records. The government may audit to ensure the loan was used properly.

Future of the Parwaz Card Program

The Punjab government has big plans for this initiative. If the first phase succeeds, they want to:

• Increase the loan amounts for larger businesses
• Add more partner banks
• Expand to more business sectors
• Provide additional training and mentorship programs
• Create special categories for tech startups and innovation

Chief Minister Maryam Nawaz has stated that this program is just the beginning. The goal is to create an environment where anyone with a good business idea can get the support they need to succeed.

How to Avoid Scams

Unfortunately, whenever the government announces a new program, scammers try to take advantage. Here’s how to protect yourself:

• Never pay money to apply. The application is free.
• Only use the official government website. Don’t trust random Facebook pages or WhatsApp messages.
• Don’t share your personal information (CNIC, bank details) with anyone claiming to “help” you apply for a fee.
• If you receive a call asking for money to “approve” your loan, it’s a scam. Hang up and report it.
• Verify information through official government channels before trusting it.

Remember, the government will never ask you to pay money to get money.

Conclusion

The CM Punjab Parwaz Card 2025 represents a genuine opportunity for people across Punjab to start or grow their businesses without the burden of interest payments.

With loans up to Rs 3 million, a simple online application process, and special support for women and young entrepreneurs, this program addresses real financial barriers that many people face.

Whether you’re a fresh graduate with a new idea, a woman wanting to start a home-based business, or an existing business owner looking to expand, the Parwaz Card offers the financial backing you need.

The completely digital process makes it accessible to anyone with internet connection, and the government’s commitment to zero interest means you only repay what you borrow.

If you meet the eligibility requirements, gather your documents and apply online today—this could be the start of your entrepreneurial journey and a step toward financial independence.