The Parwaz Card Program 2026 is a major initiative launched by Punjab Chief Minister Maryam Nawaz under the Easy Business Scheme. This program is designed to support small businesses, startups, youth, and women by providing interest-free business loans. The main purpose of the scheme is to reduce unemployment, encourage entrepreneurship, and strengthen the economy of Punjab.
Through the Parwaz Card, eligible citizens can access financial assistance without facing the burden of interest. The application process is fully online, making it easy for applicants from all districts of Punjab to apply without visiting government offices repeatedly. This program is especially beneficial for individuals who want to start a new business or expand an existing one.
What Is the Punjab Parwaz Card Program 2026?
The Punjab Parwaz Card is a government-backed financial support program aimed at empowering citizens through self-employment. Under this scheme, loans of up to Rs. 3 million are provided without interest to eligible applicants. The program covers both small-scale entrepreneurs and established businesses.
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This initiative focuses on promoting sustainable businesses across Punjab. Along with financial assistance, the government also supports clean energy solutions by offering additional loans for solar systems, helping businesses reduce operational costs.
Parwaz Card Eligibility Criteria Check Online
To ensure transparency and fair distribution of funds, the Punjab Government has defined clear eligibility criteria. Only applicants who meet these conditions can successfully apply for the Parwaz Card.
Applicants must be residents of Punjab and actively involved or interested in business activities within the province. Being a tax filer is mandatory, as this scheme promotes documented economic activity. Preference is given to youth, women, and aspiring entrepreneurs.
Basic Eligibility Requirements
- Age must be between 25 and 55 years
- Must be a permanent resident of Punjab
- Valid CNIC is compulsory
- Must have an NTN
- Applicant must be a tax filer
- Business location must be within Punjab
- Collateral is required for higher loan amounts
Meeting all these conditions increases the chances of loan approval and faster processing.
Types of Loans Under CM Punjab Parwaz Card
The Parwaz Card program offers loans under two different categories to accommodate businesses of different sizes. These categories are designed to ensure fair access to finance based on business capacity and requirements.
Tier One Loan Category
Tier One is mainly for small businesses and startups. This category focuses on individuals who want to begin their entrepreneurial journey with limited resources.
- Loan amount up to Rs. 500,000
- No collateral required
- CNIC and tax filer status are sufficient
- Suitable for new and micro-level businesses
Tier Two Loan Category
Tier Two is designed for larger or already registered businesses that require higher financial support.
- Loan amount up to Rs. 3 million
- Collateral such as property or assets is required
- Business must be registered
- Additional documents are mandatory
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Comparison of Tier One and Tier Two Loans
| Feature | Tier One | Tier Two |
|---|---|---|
| Maximum Loan | Rs. 500,000 | Rs. 3,000,000 |
| Collateral | Not required | Required |
| Business Type | New / Small | Registered / Large |
| Documents | CNIC, NTN | CNIC, NTN, Assets |
| Target Applicants | Youth, startups | Established businesses |
How to Apply for Parwaz Card Online Step by Step
The Punjab Government has made the application process fully online to ensure convenience and transparency. Applicants can submit their forms from home using a mobile phone or computer.
First, applicants need to visit the official Punjab Government portal. After clicking on the “Apply Now” option, an online form will open where personal and business details must be entered carefully.
Online Application Steps
- Open the official government website
- Click on Apply Now
- Enter CNIC, NTN, and registered mobile number
- Provide complete business details
- Upload required documents
- Tier Two applicants must upload collateral information
- Submit the form and wait for confirmation
Once submitted, applicants receive a confirmation message, and the verification process begins.
Special Benefits for Women and Youth
One of the most important aspects of the Parwaz Card program is its focus on women and youth empowerment. The Punjab Government has introduced special concessions to encourage participation from these groups.
Women entrepreneurs are given priority in loan approvals and receive additional support in sectors like clean energy and solar businesses. Simplified documentation ensures that women can apply without facing unnecessary hurdles.
Youth applicants benefit from business guidance and mentorship. This helps them make informed decisions and increases the chances of long-term business success.
Additional Support Includes
- Priority processing for women
- Simplified paperwork
- Special subsidies for solar businesses
- Business counseling and guidance
- Increased opportunities for self-employment
Helpline and Assistance Centers
To support applicants throughout the process, the Punjab Government has established helplines and service centers. These facilities ensure that applicants can get help without relying on third-party agents.
The helpline provides guidance on eligibility, form submission, and complaint resolution. Applicants can also visit nearby e-service centers for in-person support.
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Available Support Channels
- Helpline number 1786
- Nearest e-service centers
- Official website guidance
- Assistance in document uploading
- Complaint registration system
All services are provided free of cost.
Conclusion
The CM Punjab Parwaz Card Program 2026 is a strong step toward economic development and poverty reduction in Punjab. By offering interest-free loans, the government is enabling youth and women to become self-reliant and contribute to the province’s economy.
This program supports both new and existing businesses and promotes clean energy through solar financing. With a transparent online application process and clear eligibility criteria, the Parwaz Card ensures equal opportunities for deserving citizens.
Frequently Asked Questions (FAQs)
What is the maximum loan amount under Parwaz Card?
Applicants can receive up to Rs. 3 million.
Is the loan interest-free?
Yes, the loan is completely interest-free.
Is NTN mandatory for application?
Yes, having an NTN and being a tax filer is compulsory.
How long does approval take?
Loan approval usually takes 3 to 6 weeks.
Is the scheme available outside Punjab?
No, this scheme is only for residents of Punjab.
Can existing businesses apply?
Yes, both new and ongoing businesses are eligible.