CM Punjab Parwaz Card Program
The CM Punjab Parwaz Card program 2025 represents a huge leap forward taken by Chief Minister Maryam Nawaz Sharif to support the citizens of Punjab, especially young entrepreneurs, women, and owners of small businesses. The program is being provided to offer interest-free business loans as simply, digitally, and transparently as possible to people who want to start their businesses or grow existing ones. If you have been thinking about running your own business or stepping up your existing venture, the Parwaz Card might be your opportunity.
What Is the CM Punjab Parwaz Card? Full Details on 2025 Loan Scheme
The Government of Punjab has released the Parwaz card through the AsaanKarobar Scheme 2025, which offers an interest-free loan of up to Rs 3 million to help people start or grow their ventures. The purpose of this Program is to stimulate entrepreneurship, reduce unemployment, and help facilitate green businesses, e.g., solar businesses. The Program strongly emphasizes empowering women and young people to give them an effective path to financial independence that also encourages innovation, self-determination, and sustainable productivity across the Province.
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Key Features of the Parwaz Card Program
- Loan of up to Rs. 3 million (30 lakh)
- Zero interest on repayments
- Digital and paperless application process
- Priority given to women, youth, and clean energy startups
- Parwaz Card used for managing loan access and repayment
Who Can Apply? – Eligibility Criteria
Only those who meet these specific conditions can apply for the Parwaz Card Program.
- Must be a resident of Punjab
- Age between 25 to 55 years
- Hold a valid CNIC
- Possess an active NTN (National Tax Number)
- Must be a tax filer
- Planning to start or expand a business within Punjab
- For loans above Rs. 5 lakh, property or asset-based collateral is required
Loan Categories Under the Parwaz Card
Tier 1 – Small Business Loan
- Loan Amount: Up to Rs. 500,000
- No collateral or guarantee needed
- Based on CNIC and tax records
- Ideal for new startups or small-scale businesses
Tier 2 – Big Business Loan
- Lan Amount: Up to Rs. 3,000,000
- Requires collateral (property/assets)
- For registered and existing businesses
- Must submit complete financial documents
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How to Apply Online – Step-by-Step Guide
Applying for the Parwaz Card 2025 is quick and easy. Just follow these steps:
- Visit the Official Portal
Go to the Government of Punjab’s official website or the Punjab Dheerani Portal. - Click on “Apply Now”
Choose the Parwaz Card option. - Fill in the Online Form
Enter the following details:
- CNIC Number
- Mobile Number & Email
- Active NTN
- Choose Loan Tier (1 or 2)
- Business info: type, location, income, etc.
- Upload Required Documents
- CNIC Copy
- NTN Certificate
- Business Plan (for new businesses)
- Collateral documents (for Tier 2)
- Submit Your Application
- Double-check your details
- Click Submit
- You’ll receive a confirmation via SMS or email
What Happens After You Apply?
Once your application is submitted:
- Your CNIC and NTN are verified
- Officials review your documents
- If approved, you’ll get a confirmation message
- Funds are released using traditional bank transfers or digital wallet services.
- Repayment begins after a grace period
Special Support for Women & Youth
The program gives priority to women and young people to promote inclusive economic growth:
- Fast-track application approval
- Simplified paperwork
- Extra support for solar and clean energy businesses
- Encouragement for women to become financially independent
Need Help? Contact the Helpline
If you face any difficulty during the process:
- Call the Punjab Government Helpline at 1786
- Or visit your nearest e-Khidmat Markaz for in-person help
Conclusion
The CM Punjab Parwaz Card Program 2025 isn’t simply a loan scheme it is an opportunity for you to build your vision, live independently or build an income, and contribute to the economy. Whether you’re aspiring to be an entrepreneur, you own a micro-enterprise, or you are a woman wanting to take charge of your future, the CM Punjab Parwaz Card Program 2025 can be the first step.
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