CM Punjab Parwaz Card Registration Portal 2026

Parwaz Card 2026 is a groundbreaking initiative launched by the Government of Punjab under the visionary leadership of Chief Minister Maryam Nawaz Sharif. This program is designed to provide interest-free loans (also known as Qarz-e-Hasna) to the people of Punjab. Itis especially for youth, women entrepreneurs, and small business owners who want to start or expand their businesses without the burden of high-interest rates.

What is Parwaz Card Scheme by CM Punjab?

The Parwaz Card is a digital financial support program created by the Punjab government to help residents achieve their entrepreneurial dreams. The word “Parwaz” means “flight” in Urdu, symbolizing the opportunity for citizens to take their businesses to new heights.

Features of Parwaz Card 2026:

• 100% Interest-Free Loans: Unlike traditional bank loans, the Parwaz Card loan comes with zero markup or interest charges.
• Digital and Transparent Process: The entire application is done online through the Parwaz Card Portal, which is managed by PITB (Punjab Information Technology Board).
• Wide Coverage: The program supports startups, small businesses, women-led enterprises, and even green energy projects.
• Fast Approval: Compared to traditional financial institutions, the Parwaz Card online apply process is much quicker and more efficient.

This scheme is part of the larger Youth Empowerment Schemes 2026 aimed at reducing unemployment and promoting self-employment across Punjab.

Who is Eligible for the Punjab Parwaz Card 2026?

Before you start your Parwaz Card online application, it’s important to understand the eligibility criteria and requirements. The government has set specific conditions to ensure that the funds reach genuine applicants who can make good use of them.

Parwaz Card Eligibility Criteria and Requirements

1. Residency Requirement

• You must be a permanent resident of Punjab province.
• Your residential address will be verified through your CNIC (Computerized National Identity Card).

2. Age Limit

• Applicants must be between 25 to 55 years old.
• This ensures that both young entrepreneurs and experienced business owners can benefit.

3. Tax Registration

• You must be a registered tax filer with the FBR (Federal Board of Revenue).
• An active NTN (National Tax Number) is mandatory.
• This requirement promotes tax culture and ensures transparency.

4. Clean Credit History

• Your financial record must be clear with no outstanding loan defaults.
• The system will check your e-CIB (Electronic Credit Information Bureau) report.
• If you have previous unpaid loans or bad credit history, your application may be rejected.

5. Business Plan or Existing Business

• For new startups, you need to submit a solid and realistic business plan.
• For existing businesses, you must provide proof of your current operations.
• The business should be legal and registered according to Pakistani laws.

Parwaz Card Loan Categories and Tiers

Parwaz Card 2026 offers two main loan categories to accommodate different business sizes and requirements. Understanding these tiers will help you choose the right option for your needs.

Tier 1: Small Business Loans

Feature	Details
Loan Amount	Up to PKR 500,000 (Five Lakh Rupees)
Collateral	No collateral or guarantor required
Target Audience	New startups, small traders, artisans, home-based businesses
Purpose	Initial business setup, buying equipment, inventory purchase
Processing Time	2-4 weeks after document verification
Repayment Period	Up to 3 years with a grace period

Tier 2: Business Expansion Loans

Feature	Details
Loan Amount	PKR 500,000 to PKR 3,000,000 (Three Million Rupees)
Collateral	May require collateral or a guarantor depending on amount
Target Audience	Established SMEs, medium-scale businesses
Purpose	Business expansion, infrastructure development, hiring employees
Processing Time	4-6 weeks after complete documentation
Repayment Period	Up to 5 years with flexible terms

How to Apply for Parwaz Card 2026 Online?

The Parwaz Card online apply process is completely digital and free of cost. Follow these simple steps to submit your application successfully:

Step 1: Visit the Official Parwaz Card Portal

• Access the official Punjab government website and navigate to the Parwaz Card registration section.

Step 2: Create Your Account

• Click on the “Register Now” or “Sign Up” button
• Enter your CNIC number (without dashes)
• Provide your active mobile phone number (it must be registered in your name)
• You will receive an OTP (One-Time Password) via SMS
• Enter the OTP to verify your identity and complete registration

Step 3: Login and Choose Your Loan Tier

• After verification, log in to the PITB Parwaz Card Portal using your credentials
• You’ll see two options: Tier 1 (Small Loans) or Tier 2 (Business Expansion)
• Select the tier that matches your business needs and financial situation
• Read the terms and conditions carefully before proceeding

Step 4: Fill Out the Application Form

• The Parwaz Card online application form link 2026 will open with several sections
• Fill in all required information accurately:
  • Personal Details: Name, father’s name, CNIC, date of birth
  • Contact Information: Address, phone number, email
  • Business Details: Business name, type, location, registration status
  • Financial Information: Bank account details, monthly income, existing loans
  • Loan Details: Amount required, purpose, repayment plan

Step 5: Upload Required Documents

• Scan and upload clear, readable copies of all required documents (see checklist below)
• File size should not exceed 2MB per document
• Accepted formats: JPG, PNG, or PDF
• Make sure all documents are valid and not expired

Step 6: Review and Submit

• Double-check all information before final submission
• Verify that your CNIC number, NTN, and other details are correct
• Click the “Submit Application” button
• You will receive a unique Application ID on your screen and via SMS
• Save this ID carefully as you’ll need it to track your application

Which Documents are Needed for Parwaz Card Registration?

Having all documents ready before starting your application will make the process smooth and quick. Here’s a complete checklist:

1. CNIC (Computerized National Identity Card)

• Front and back side scanned copies
• CNIC must be valid and not expired
• Address on CNIC should match your current residence

2. Recent Passport-Size Photograph

• Digital photo with a white or blue background
• Clear face visible, no sunglasses or caps
• Size: 300×400 pixels minimum

3. NTN Certificate (National Tax Number)

• Valid NTN certificate issued by FBR
• Must show active tax filer status
• You can download it from the FBR e-portal

4. Proof of Business For existing businesses:

• Business registration certificate
• Shop/office rent agreement
• Recent utility bills (electricity, gas) in business name
• Trade license or permit (if applicable)

For new startups:

• Detailed business plan (1-2 pages)
• Market research or feasibility study
• Estimated budget and projected income

5. Bank Statement (For Tier 2 Applicants)

• Last 6 months’ bank statement
• Should show regular transactions
• Account must be in the applicant’s name

Is Parwaz Card Loan Really Interest-Free?

Yes, the Parwaz Card loan is genuinely 100% interest-free. This is based on the Islamic principle of Qarz-e-Hasna (benevolent loan), which means:

• No markup or profit margin
• No processing fees
• No hidden charges
• You only repay the exact amount you borrowed

This makes the Maryam Nawaz Loan Scheme different from conventional bank loans where interest charges can increase your repayment burden by 15-30%.

Frequently Asked Questions (FAQ)