The Government of Punjab has launched the CM Punjab Parwaaz Card Program 2025, a flagship initiative of Chief Minister Maryam Nawaz to provide interest-free business loans to young entrepreneurs, women, and small business owners across the province.
Designed as part of the broader Asaan Karobar Scheme 2025, this program aims to create new employment opportunities, strengthen the provincial economy, and encourage self-employment by offering accessible financing for startups and existing enterprises.
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Program Overview
The Parwaaz Card Program allows eligible residents of Punjab to apply for business loans up to Rs. 3 million with no interest. Whether you want to start a new venture or expand an existing business, this scheme provides financial support without the burden of high-interest repayments. The government has placed special focus on women and youth, offering them priority processing, simplified paperwork, and additional assistance for clean-energy or solar-related businesses.
Loan Categories
The scheme offers loans in two main tiers, making it flexible for different business needs:
Tier 1 – Small Business Loan
- Amount: Up to Rs. 500,000
- No collateral required
- Based solely on your CNIC and verified tax record
Tier 2 – Large Business Loan
- Amount: Up to Rs. 3,000,000
- Requires property or asset documents as security
- Available only for registered or established businesses
These loan options give both startups and running enterprises the chance to scale operations, purchase equipment, or invest in clean energy projects.
Eligibility Criteria
Applicants must meet the following requirements to qualify for the CM Punjab Parwaaz Card Program:
- Permanent resident of Punjab
- Age between 25 and 55 years
- Valid CNIC (Computerized National Identity Card)
- Active NTN (National Tax Number) and tax-filer status
- Willingness to run or expand a business in Punjab
- For loans above Rs. 500,000, proof of property or assets is mandatory as collateral
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How to Apply Online
The entire application process is digital and designed to be quick and user-friendly. Follow these steps to apply:
- Visit the Official Portal
Go to the government’s dedicated Parwaaz Card website. - Click “Apply Now”
Select the Parwaaz Card option to start your application. - Fill in Personal Details
Enter your CNIC number, mobile number, email address, and NTN. - Provide Business Information
Describe your business type, location, and expected income. Choose whether you are applying for Tier 1 or Tier 2. - Upload Documents
Attach scanned copies of your CNIC, NTN certificate, a brief business plan (for new ventures), and collateral proof for Tier 2. - Submit and Confirm
Review the form carefully, submit it online, and wait for the confirmation SMS or email.
After submission, your details will be verified by government officials. Once approved, the loan amount will be disbursed through a bank or digital account, and repayment will begin after a grace period.
Required Documents
Keep these documents ready before you start your online application:
- Scanned copy of CNIC
- NTN certificate and latest tax filing record
- Business plan for new startups
- Proof of property or other collateral (only for Tier 2 loans)
Application Deadline
The Punjab government will announce the final last date for applications on the official website and through e-Khidmat centers. Applicants are strongly advised to complete their registration well before the closing date to avoid website traffic or technical delays.
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Special Support for Women and Youth
The program is designed to empower women entrepreneurs and young business owners. Female applicants may benefit from:
- Faster approval and priority processing
- Simplified paperwork
- Additional incentives for solar and clean-energy businesses
This focus ensures that women and youth can access capital to launch or grow their enterprises, contributing to broader economic development.
What Happens After You Apply
Once you submit the application:
- The system verifies your CNIC and NTN.
- Officials review your uploaded documents and business details.
- If approved, you receive a confirmation message.
- Loan disbursement follows through an authorized bank or digital payment channel.
Conclusion
The CM Punjab Parwaaz Card Program 2025 is a major opportunity for residents of Punjab to secure interest-free loans for starting or expanding their businesses. With easy online registration, clear eligibility requirements, and dedicated support for women and youth, the program encourages economic independence and self-employment across the province.
If you meet the criteria, prepare your documents and apply through the official portal before the announced last date to take full advantage of this government-backed initiative.
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FAQs
1. What is the CM Punjab Parwaaz Card Program 2025?
It is a government-backed scheme launched by Chief Minister Maryam Nawaz to provide interest-free business loans to residents of Punjab. The program supports both new startups and existing small businesses to promote self-employment and economic growth.
2. How much loan can I get through this program?
Applicants can receive up to Rs. 3 million (30 lakh). The loan amount depends on the selected tier: up to Rs. 500,000 under Tier 1 and up to Rs. 3 million under Tier 2.
3. Is there any interest on the loan?
No, the loans are completely interest-free. Borrowers only repay the principal amount within the agreed repayment schedule.
4. Who is eligible to apply?
You must be a resident of Punjab, aged 25 to 55 years, have a valid CNIC, an active NTN, and be a tax filer. For Tier 2 loans above Rs. 500,000, you also need to provide property or asset documents as collateral.
5. Can women and young entrepreneurs apply?
Yes, women and youth are strongly encouraged to apply. The government gives priority processing, easier paperwork, and additional support for female entrepreneurs and young business owners.
6. How do I apply for the Parwaaz Card?
Applications are submitted online through the official Parwaaz Card portal. You must create an account, fill in your personal and business details, upload required documents, and submit the form for verification.
7. What documents are required for the application?
You need a scanned CNIC, an NTN certificate, your latest tax record, and a business plan if starting a new venture. For Tier 2 loans, you must also upload proof of property or assets for collateral.
8. What is the last date to apply?
The Punjab government will announce the final deadline on the official website and at e-Khidmat centers. It’s recommended to apply well before the closing date to avoid last-minute issues.
9. How long does the approval process take?
Approval typically takes 3 to 6 weeks after submission. During this period, your documents, CNIC, and NTN are verified by government officials.
10. How will I receive the loan amount?
Once approved, the loan is disbursed through a bank account or digital payment method. Repayment begins after a grace period, allowing time to start or expand your business.