Maryam Nawaz Hunarmand Naujawan Parwaaz Card 2026

The Maryam Nawaz Hunarmand Naujawan Parwaaz Card, commonly called the Parwaaz Card, is a Punjab Government programme that provides interest-free financing of up to PKR 1 million for approved overseas-employment and pre-departure expenses.

For the loan route, applicants must generally be 18 years or older, have a valid CNIC, be residents of Punjab, and have an overseas job offer from an international employer with a salary below SAR 5,000 per month. The programme is open to both male and female candidates.

Applicants can use the official Parwaaz portal at https://parwaaz.psdf.org.pk/ to access the available Job Holder and Job Seeker routes.

What Is the Parwaaz Card?

The official programme name is Maryam Nawaz Hunarmand Naujawan Parwaaz Card. The  Punjab Government scheme provides interest-free financing to help eligible workers manage essential costs related to overseas employment. Supported expenses include medical tests, visa processing, protectorate fees, air tickets, skill-verification tests, and applicable Overseas Employment Promoter (OEP) fees.

The official Parwaaz platform provides two main routes:

• Job Holder: For applicants who already have an overseas job offer and want to pursue the loan facility.
• Job Seeker: For applicants who do not yet have an overseas job offer and want to explore available overseas employment opportunities.

The Parwaaz Card financing is intended for approved overseas-employment and pre-departure expenses. It is a loan, not an unrestricted cash grant.

Parwaaz Card Eligibility Criteria

The confirmed basic eligibility conditions include:

Additional eligibility or verification requirements may apply depending on the employment case and current programme rules.

There is no confirmed upper age limit in the supplied programme information, so applicants should not rely on unofficial claims such as an 18–45 age requirement.

Job Holder vs Job Seeker

The Parwaaz Card portal provides separate routes for applicants who already have an overseas job offer and those who are still looking for one.

Job Holder

A Job Holder already has a confirmed overseas job offer from an international employer. This applicant can pursue the interest-free loan route, subject to the programme’s eligibility and verification requirements. The financing is intended to support approved pre-departure employment expenses.

Having a job offer does not guarantee loan approval. The application remains subject to the applicable programme requirements and verification.

Job Seeker

A Job Seeker does not yet have an overseas job offer. Job Seekers can register through the official platform and explore overseas employment opportunities made available through registered or approved Overseas Employment Promoters.

Job Seeker registration does not automatically qualify an applicant for the loan. After securing a qualifying overseas job offer, the applicant can move toward the Job Holder route.

Also Read> EOBI Registration Check by CNIC

Parwaaz Card Loan Amount

The Parwaaz Card provides interest-free financing of up to PKR 1 million. This financing is a loan, not a grant, so the borrowed amount must be repaid according to the applicable programme terms.

The PKR 1 million figure is a maximum financing amount and should not be interpreted as an amount automatically provided to every applicant. Actual financing depends on the applicable programme rules and approved or verified expenses.

The supplied programme information does not establish a fixed:

• Minimum loan amount
• Monthly installment
• Repayment duration
• Grace period
• Loan percentage or disbursement formula

Applicants should check the current official programme terms for any financing and repayment details that apply to their case.

What Does the Parwaaz Card Loan Cover?

The financing is intended for approved overseas-employment and pre-departure expenses.

Supported expenses include:

• Medical expenses and tests
• Visa processing
• Protectorate fees
• Air tickets
• Skill-verification tests
• Overseas Employment Promoter (OEP) fees
• Other approved overseas-employment-related pre-departure expenses, where applicable

The financing is intended for employment-related costs connected with overseas work. It should not be treated as unrestricted personal spending.

How to Apply for Parwaaz Card Online

The official Parwaaz Card portal is: https://parwaaz.psdf.org.pk

For Job Holders

If you already have a qualifying overseas job offer:

1. Open the official Parwaaz portal.
2. Select the applicable Job Holder route.
3. Enter the personal and employment information requested by the portal.
4. Provide the details of your overseas job offer and any supporting information or documents requested.
5. Complete the required verification process.
6. If approved, follow the designated financing process for eligible overseas-employment expenses.

For Job Seekers

If you do not yet have an overseas job offer:

1. Open the official Parwaaz portal.
2. Select the Job Seeker route.
3. Register using the information requested by the platform.
4. Explore available overseas employment opportunities through the platform.
5. After securing a qualifying overseas job offer, you can move toward the Job Holder/loan route.

The exact portal screens, buttons, verification method, and document-upload requirements can change. Follow the instructions displayed on the official portal rather than relying on screenshots or instructions from third-party websites.

How the Loan Works (Bank of Punjab Process)

Once your application is reviewed and approved, the loan is processed through the designated Bank of Punjab (BOP) branch. Based on official information:

1. After approval, you visit the designated Bank of Punjab branch for loan processing.
2. You can access an initial portion of the approved loan amount.
3. The remaining amount is used directly toward approved overseas employment expenses (such as visa stamping, visa fees, OEP charges, and air ticket).
4. You are required to upload relevant payment receipts/documents on the official portal so the funds’ use can be verified.

Exact percentages, timelines, and repayment schedules can change, so always confirm current terms directly with PSDF or the Bank of Punjab at the time of application.

Documents Required for Parwaaz Card

Document requirements can vary depending on your case (Job Seeker vs. Job Holder) and the specific job/employer. Based on available official information:

Common/Likely Required Documents

• Valid original CNIC
• Recent passport-size photograph
• Confirmed overseas job offer letter (for the loan route)

Additional Documents (May Be Required Depending on Your Case)

• Passport copy, where required for visa/travel processing
• Skill certificate, if applicable to your job category
• Any additional documents requested by PSDF, the Bank of Punjab, or your Overseas Employment Promoter during verification

Note: A BISP card, income certificate, or educational degree is not confirmed as a universally mandatory document for every applicant. Only provide documents that are specifically requested through the official application process.

Overseas Jobs and Overseas Employment Promoters

Overseas Employment Promoters, commonly called OEPs, are relevant to the Job Seeker route. Job Seekers can use the official Parwaaz platform to explore overseas employment opportunities associated with registered or approved OEPs.

An available job listing does not guarantee employment or Parwaaz Card loan approval. Applicants should verify the employment opportunity and follow the official programme requirements before making payments or providing sensitive documents.

Avoid Parwaaz Card Scams

Use the official Parwaaz portal when registering or checking programme information.

Keep these precautions in mind:

• Use https://parwaaz.psdf.org.pk/ instead of an unofficial registration website.
• Do not pay an agent who promises guaranteed Parwaaz Card approval.
• Do not trust anyone who guarantees an overseas job through the programme.
• Never share OTPs or sensitive personal information with unknown individuals.
• Verify OEP information through appropriate official channels.
• Be cautious of WhatsApp, Facebook, or other social-media accounts claiming to represent the programme.
• Check the current official eligibility and application information before submitting personal documents.

Frequently Asked Questions

Conclusion

The Maryam Nawaz Hunarmand Naujawan Parwaaz Card provides eligible Punjab residents with interest-free financing of up to PKR 1 million for approved overseas-employment and pre-departure expenses.

The programme has separate Job Holder and Job Seeker routes. Job Holders with a qualifying overseas job offer can pursue the loan route, while Job Seekers can register and explore overseas employment opportunities before moving toward the loan route after securing a qualifying offer.

For registration and the latest programme information, use only the official Parwaaz portal at https://parwaaz.psdf.org.pk/. Avoid unofficial agents and websites promising guaranteed jobs or loan approval.