Punjab Government Scheme
Parwaaz Card — interest-free loan for overseas jobs in 2026
The Parwaaz Card gives Punjab youth up to PKR 300,000 in interest-free financial support to cover pre-departure costs when going abroad for work. Launched January 2026 by CM Maryam Nawaz, administered by PSDF and Bank of Punjab. Apply at parwaaz.psdf.org.pk.
PKR 300,000
Maximum loan amount
Interest-free (Qarz-e-Hasna)
0%
Interest / markup
Repay principal only
18–35
Eligible age range
Punjab domicile required
100,000
Target beneficiaries
Punjab youth going abroad
Scheme Overview
What is the Parwaaz Card and who runs it?
The Hunarmand Naujawan Parwaaz Card (Programme for Abroad-Going Skilled Youth) is a Punjab provincial scheme launched on January 28, 2026 by Chief Minister Punjab Maryam Nawaz Sharif.
It solves a specific problem: many skilled Pakistani workers secure jobs abroad but cannot afford the PKR 100,000–300,000 in pre-departure expenses (visa, medical, air ticket, OEP fees). The Parwaaz Card bridges this gap with a zero-interest loan repaid from future foreign earnings.
It is administered by the Punjab Skills Development Fund (PSDF) with the Bank of Punjab (BOP) as the financial partner. PSDF and BOP signed an MoU specifically to operationalise this scheme.
On August 29, 2026, the scheme expanded with the launch of its Job Seeker Portal — an online platform connecting Punjab youth with verified overseas vacancies listed by BEOE-registered Overseas Employment Promoters (OEPs).
Official portal only
Apply only at parwaaz.psdf.org.pk. Any other website or agent claiming to process Parwaaz Card applications is fraudulent. The helpline is 1786.
Parwaaz Card at a Glance
- Official name:
- Hunarmand Naujawan Parwaaz Card
- Launched by:
- CM Punjab Maryam Nawaz Sharif
- Launch date:
- January 28, 2026
- Job portal launched:
- August 29, 2026
- Administered by:
- Punjab Skills Development Fund (PSDF)
- Financial partner:
- Bank of Punjab (BOP)
- Official portal:
- parwaaz.psdf.org.pk
- Helpline:
- 1786
- Loan amount:
- Up to PKR 300,000
- Loan type:
- Interest-free (Qarz-e-Hasna)
- Province:
- Punjab only
- Target:
- 100,000 youth
Loan Coverage
What the PKR 300,000 loan covers
Visa processing fees
Embassy visa application fee and any government protectorate clearance charge required for overseas employment.
Medical / fitness certificate
The medical examination required for a work visa — must be from an approved panel physician.
Trade test / skill verification
Skill assessment or trade certification required by the destination country or employer.
Air ticket
One-way or return air ticket to the destination country for employment.
OEP placement fees
Charges of the BEOE-licensed Overseas Employment Promoter (OEP) who arranged the job placement.
Miscellaneous emigration costs
Attestation, translation of documents, emigration card, BEOE processing fees and similar travel document costs.
What the loan does NOT cover
Personal expenses abroad, accommodation, non-employment travel, loan to third parties, or any expenses not supported by an official receipt. The 80% disbursement requires documentary proof of each expense.
How the Money Is Released
Loan disbursement: 20% now, 80% on receipts
Apply and get approved
Submit your application with documents at parwaaz.psdf.org.pk. PSDF reviews the application in 7–10 working days.
20% disbursed immediately
On approval, 20% of the approved loan amount is transferred to your Bank of Punjab account. For a PKR 200,000 loan, this is PKR 40,000.
Pay your pre-departure expenses
Use the advance to pay visa, medical, OEP and other approved costs. Keep all official receipts/invoices.
Upload receipts on the portal
Log back into parwaaz.psdf.org.pk and upload scanned receipts/invoices for each expense paid.
80% disbursed after receipt verification
PSDF verifies receipts. Once cleared, the remaining 80% is released to your account to cover remaining pre-departure costs.
Depart and repay from abroad
Repayment starts after you begin receiving your overseas salary. Installments are arranged through the Bank of Punjab. Total repayment equals the principal only — zero additional charge.
Job Portal — Launched August 2026
Find verified overseas jobs through the Parwaaz portal
On August 29, 2026, PSDF launched the Job Seeker Portal within the Parwaaz Card platform. This matches Punjab youth directly with verified overseas vacancies listed by BEOE-registered Overseas Employment Promoters.
Verified OEP listings only
All vacancies are posted by BEOE-licensed Overseas Employment Promoters — eliminating fake job listings and scam agents that prey on overseas job seekers.
Current destinations
UAE, Saudi Arabia, Qatar, Oman, Bahrain, Kuwait (primary), plus Kyrgyzstan. Countries expand as PSDF adds new OEP partnerships.
Sectors available
Transport/driving, construction, manufacturing, textiles, hospitality, retail, caregiving, agriculture. Primarily skilled and semi-skilled roles.
Example vacancy (active)
Light Vehicle Drivers in UAE — 100 positions at AED 4,500/month, deadline October 30, 2026. (As reported August 2026.)
Access the job portal
Browse live overseas job listings at parwaaz.psdf.org.pk. Create a job seeker profile to apply directly through verified OEPs. The portal is separate from the loan application but uses the same account.
Full job portal guide →Scheme Timeline
Parwaaz Card — key dates
Punjab cabinet approved the Hunarmand Naujawan Parwaaz Card program
PSDF and Bank of Punjab signed MoU to operationalise the scheme
CM Maryam Nawaz inaugurated the scheme; parwaaz.psdf.org.pk portal went live
Job Seeker Portal launched — live overseas vacancies from registered OEPs
Common Questions
Parwaaz Card FAQs
What is the Parwaaz Card?
The Parwaaz Card (officially: Hunarmand Naujawan Parwaaz Card) is a Punjab government program that provides interest-free loans (Qarz-e-Hasna) of up to PKR 300,000 to skilled and semi-skilled Punjab youth who have secured a verified overseas job but cannot afford pre-departure costs — visa fees, air ticket, medical certificate, and travel documents. It was launched by CM Punjab Maryam Nawaz and is administered by the Punjab Skills Development Fund (PSDF) with Bank of Punjab as financial partner.
How much loan does the Parwaaz Card give?
Up to PKR 300,000 as an interest-free loan (Qarz-e-Hasna). The loan covers only verified pre-departure expenses: visa processing, protectorate fees, medical/fitness certificate, trade test/skill verification, air ticket, and licensed OEP charges. Disbursement is split: 20% advanced on approval, and 80% released after you upload payment receipts confirming the expenses were incurred.
Who is eligible for the Parwaaz Card?
You must be a permanent resident of Punjab (Punjab-address CNIC), aged 18–35, with a verified confirmed offer letter from a registered overseas employer. The job must be processed through a BEOE-licensed Overseas Employment Promoter (OEP). The offered salary must be less than SAR 5,000/month equivalent, targeting the skilled and semi-skilled worker tier.
Where do I apply for the Parwaaz Card?
Apply online at the official portal: parwaaz.psdf.org.pk. Register with your CNIC and mobile number, create an account, fill in your details, and upload required documents. The helpline number is 1786. There is no offline application process — all applications are processed through the portal.
Is the Parwaaz Card loan interest-free?
Yes. The loan is structured as Qarz-e-Hasna — you repay only the principal amount you received, with zero interest or markup. Repayment begins after you start receiving salaries abroad, in installments. This is an Islamic finance model where no additional charge is levied on top of the principal.
What countries does the Parwaaz Card cover?
All BEOE-approved countries are eligible, with Gulf countries being the primary destinations — UAE, Saudi Arabia, Qatar, Oman, Bahrain, Kuwait. Other countries including Kyrgyzstan have also been listed on the Parwaaz job portal. The destination must be a country to which Pakistan's Bureau of Emigration & Overseas Employment formally permits labour export.
Apply for the Parwaaz Card at the official portal
Interest-free loan up to PKR 300,000 for Punjab youth with a confirmed overseas job. No markup, repay principal only. Apply at parwaaz.psdf.org.pk or call 1786.