TheChief Minister Punjab Parwaaz Card (implemented by the Punjab Skills Development Fund – PSDF) is officially open for applications. This transformative program is specifically designed to help the youth of Punjab access legal overseas employment by removing financial barriers through interest-free loans and structured facilitation.
What is the Parwaaz Card?
The Parwaaz Card acts as a digital “launchpad” for global careers. Its primary purpose is to provide financial support for pre-departure costs that often prevent skilled workers from taking up jobs abroad.
- Financial Support: An interest-free loan of up to Rs. 500,000 (depending on the destination and job type).
- Coverage: The loan covers visa fees, medical tests, air tickets, protectorate fees, and Overseas Employment Promoter (OEP) charges.
- Training: Access to internationally recognized certifications and cultural orientation.
Eligibility Criteria (2026)
To qualify for the Parwaaz Card, you must meet the following benchmarks:
- Residency: Must be a permanent resident of Punjab (verified via Domicile/CNIC).
- Age: Minimum 18 years or older.
- Identification: Valid CNIC and a mobile number registered in your own name.
- Core Requirement: * For Loan Applicants: You must have a verified Job Offer Letter from an overseas employer.
- For Job Seekers: If you don’t have a job yet, you can register to access “Verified Job Demands” from licensed promoters.
- Salary Limit: The job offer must typically be for a salary below 5,000 SAR (or equivalent) to ensure the aid reaches those who need it most.
3. How to Apply Online (Step-by-Step)
The application process is handled through the official PSDF Parwaaz Portal.
Step 1: Account Creation
- Visit the official portal: parwaaz.psdf.org.pk.
- Click on “Register as Applicant”.
- Enter your CNIC and mobile number. You will receive an OTP (One Time Password) for verification.
Step 2: Profile & Category Selection
- Category A (Job Holder): Choose this if you already have a visa/offer and need the loan.
- Category B (Job Seeker): Choose this to find verified international vacancies.
Step 3: Document Upload
You will need to upload clear scans of:
- CNIC (Front and Back).
- Verified Job Offer Letter (Mandatory for loan processing).
- Medical Certificate and Skill Certificate (if applicable).
- Recent Passport-sized photograph.
Step 4: Verification & Bank Processing
- PSDF reviews your documents for authenticity.
- Once approved, you visit a designated Bank of Punjab (BOP) branch to finalize the loan agreement.
- Loan Release: 20% is released in cash initially; the remaining 80% is paid directly for your tickets and visa fees via the card system.
Loan Categories & Tiers
| Tier | Amount | Purpose | Requirements |
| Tier 1 | Up to Rs. 500,000 | Individual Overseas Placement | Job Offer + Co-borrower (Guarantor) |
| Tier 2 | Rs. 500k to 3M | Business/Startup Support | Collateral/Security required |
Important Warnings for 2026
- No Agents: This program is 100% digital. Do not pay any “registration fee” to middlemen.
- Repayment: The loan is interest-free and must be repaid in easy monthly installments once you start earning abroad.
- Fraud: Providing fake offer letters will lead to permanent blacklisting and legal action.

