CM Punjab Parwaz Card 2025
The CM Punjab Parwaz Card Program 2025 is a bold step by Chief Minister Maryam Nawaz Sharif to uplift the economy of Punjab by supporting small businesses, youth entrepreneurs, and women-led ventures. This initiative offers interest-free business loans to help people start or expand their businesses without worrying about heavy bank interest.
Whether you’re a budding entrepreneur or an existing business owner in Punjab, this guide will help you understand the full process of online registration, loan amounts, and eligibility criteria of the Parwaz Card.
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What Is the CM Punjab Parwaz Card Program?
The Parwaz Card Program is a government-backed, interest-free loan scheme (Qarz-e-Hasna), designed to empower Punjab’s working-class citizens. It targets:
- Small and Medium Enterprises (SMEs)
- Youth entrepreneurs (age 25-55)
- Women business owners
- Startups and green businesses
This scheme builds on the success of previous programs like the Asaan Karobar Card, aiming to reduce unemployment and boost economic growth across the province.
Key Features and Benefits of Parwaz Card 2025
Here’s why the Parwaz Card is different from traditional loans:
Interest-Free Loans
Borrowers only pay back the original amount, with zero markup or hidden charges.
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Two Flexible Loan Tiers
| Tier | Loan Limit | Collateral Required | Target Group |
| Tier 1 | Up to Rs. 5 lakh | No | Startups, small-scale businesses |
| Tier 2 | Up to Rs. 30 lakh | Yes (property or asset) | Established or growing businesses |
Fully Online Application Process
The entire process from applying to receiving the loan is digital, transparent, and user-friendly.
Women & Youth Priority
Special quotas and easier terms are provided for women and young entrepreneurs to ensure equal participation in economic development.
Easy Repayment Terms
Loans can be repaid over up to 5 years, with a grace period before repayments start.
Support for Green Businesses
If your business is related to solar energy, agriculture tech, or eco-friendly practices, you may get faster processing and extra support.
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Eligibility Criteria for Parwaz Card Loan 2025
To apply for the Parwaz Card, you must meet the following requirements:
- Be a resident of Punjab
- Age between 25 and 55 years
- Possess a valid CNIC
- Hold a National Tax Number (NTN) and be a tax filer
- Have a registered business or a detailed business plan
- For loans above Rs. 5 lakh, collateral or guarantor is mandatory
- Maintain a clean financial and credit history
First-time entrepreneurs can submit a business plan instead of financial history.
Documents Required for Online Application
Make sure you have scanned copies of the following documents:
| Document | Purpose |
| CNIC (Front & Back) | Identity Verification |
| Recent Photograph | Applicant’s Photo |
| NTN Certificate | Tax Compliance |
| Business Plan | Proof of Business Idea |
| Business Registration (if any) | Business Existence Proof |
| Property Documents (Tier 2) | Collateral |
| Bank Account Info | Loan Disbursement |
| Latest Utility Bill | Address Verification |
How to Apply Online for CM Punjab Parwaz Card 2025
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Follow these simple steps to apply online:
Visit the Official Portal
Go to the Parwaz Card Portal (to be announced), or access it through the e-Khidmat Center website or Punjab Small Industries Corporation (PSIC) page.
Click “Apply Now”
Choose the option for “Interest-Free Business Loan” or “Parwaz Card Application.”
Enter Personal & Business Details
Fill in:
- CNIC number
- Mobile number
- Email address
- NTN number
- Business name & type
- Loan amount (Tier 1 or 2)
Upload Documents
Attach scanned copies of the required documents.
Submit the Application
Click Submit. You will receive a confirmation message with your application tracking ID.
Track Application Status
You can monitor your application progress through the portal using your CNIC or tracking ID.
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What Happens After Submission?
Once your form is submitted:
- Verification: Your details are cross-checked with NADRA and FBR.
- Assessment: Officials evaluate your business proposal and financial background.
- Approval: Upon approval, you receive a confirmation SMS/email.
- Disbursement: Loan is transferred directly to your bank account.
- Repayment: Monthly installments begin after a grace period of up to 3 months.
Special Support Programs Under Parwaz Card
Women Entrepreneurship
- Faster processing
- Relaxed document requirements
- Business training and mentoring
Youth Empowerment
- Business planning assistance
- Mentorship via Youth Affairs Department
- Access to incubators and startup hubs
Green Business Support
- Special incentives for clean energy and sustainable businesses
- Access to environmental grant schemes
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Help & Support Channels
| Support Option | Details |
| Punjab Helpline | Dial 1786 for official assistance |
| e-Khidmat Centers | Get help with forms & documents in person |
| District SME Office | Business plan and application support |
| Online Helpdesk | Live chat / email (available after portal launch) |
Comparison: Parwaz Card vs. Asaan Karobar Card
| Feature | Parwaz Card | Asaan Karobar Card |
| Max Loan Limit | Rs. 30 lakh | Rs. 10 lakh |
| Interest Rate | 0% | 0% |
| Collateral | Tier 2 only | Usually not required |
| Application Mode | Online | Online / e-Khidmat Centers |
| Target Audience | Youth, Women, SMEs | MSMEs, Startups |
| Launch Year | 2025 | 2024 |
Expected Impact of Parwaz Card Program 2025
- Thousands of new jobs created
- Entrepreneurship culture strengthened in Punjab
- Boost to local manufacturing and retail sectors
- Encouragement for green and innovative businesses
- Reduction in reliance on high-interest commercial loans
This program is not just about giving loans it’s about giving people a chance to change their future.
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Frequently Asked Questions
What is the CM Punjab Parwaz Card Program 2025?
It’s an interest-free loan initiative for entrepreneurs in Punjab, launched by CM Maryam Nawaz.
What is the maximum loan amount available?
Up to Rs. 30 lakh depending on the business plan and collateral.
Do I need collateral to apply?
Only for Tier 2 loans (above Rs. 5 lakh). Tier 1 does not require collateral.
Can women apply for the program?
Yes, and they get priority processing with simpler requirements.
Where can I apply?
Apply online through the official Parwaz or e-Khidmat portal.
Conclusion
The CM Punjab Parwaz Card 2025 is a game-changing opportunity for Punjab’s aspiring entrepreneurs. Whether you’re just starting out or looking to expand your existing business, this interest-free loan program offers the financial support you need — with full transparency, online access, and government backing.
To benefit:
- Prepare your documents
- Apply through official channels
- Follow up using your tracking ID
- Never pay bribes or trust third-party agents
Empower yourself. Start your business journey with the Parwaz Card today.
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