Complete Guide — September 2026
All Punjab government schemes 2026 — every active programme explained
From free e-bikes for students to PKR 300,000 overseas employment loans — the CM Punjab government has launched more welfare schemes in 2025–2026 than any Punjab administration in a decade. This is your complete guide to every active scheme, who qualifies and how to apply.
8+
Active Punjab schemes
as of Sep 2026
100,000
E-bikes planned
student + employee
PKR 300,000
Parwaaz Card loan
interest-free
PKR 10,500
Himmat Card quarterly
for PWDs
Transport
Transport schemes
CM Punjab E-Bike Scheme — Students
Benefit: PKR 70,000 subsidy. Female students: free down payment. Male: PKR 14,000 down + PKR 2,100/month.
Who qualifies: Students enrolled in registered Punjab colleges/universities. Punjab CNIC. Valid learner's permit or driving licence.
Full guide & how to applyCM Punjab E-Bike Scheme — Government Employees
Benefit: PKR 70,000 subsidy. PKR 14,000 down payment, PKR 2,100/month interest-free over 3 years.
Who qualifies: Punjab government employees, BPS Grade 1–16. Punjab CNIC. Department service certificate + NOC.
Full guide & how to applyEmployment
Employment schemes
Parwaaz Card
Benefit: PKR 300,000 interest-free (Qarz-e-Hasna) loan for overseas employment. Covers visa, ticket, medical, training.
Who qualifies: Punjab youth 18–35, verified overseas job offer, BEOE-licensed employer, salary under SAR 5,000.
Full guide & how to applyParwaaz Card Job Portal
Benefit: Free access to verified overseas jobs: UAE, Saudi Arabia, Qatar, Kyrgyzstan, Europe.
Who qualifies: All Punjab residents. No cost to use. BEOE-vetted job listings only.
Full guide & how to applyQuick Check
Which Punjab scheme are you most likely to qualify for?
If you are a...
Student (enrolled in Punjab college/university)
→ CM E-Bike Scheme (student)If you are a...
Punjab government employee (BPS 1–16)
→ CM E-Bike Scheme (employees)→ Parwaaz Card (if planning to go abroad)If you are a...
Punjab youth 18–35 with overseas job offer
→ Parwaaz Card (PKR 300,000 loan)If you are a...
Person with disability (BISP-certified)
→ CM Himmat Card (PKR 10,500/quarter)If you are a...
Punjab farmer with land/tenancy documents
→ CM Kisan Card (PKR 37,000/season)If you are a...
Low-income family (PMT ≤60) wanting a home
→ Apni Chhat Apna Ghar (PKR 1.5M loan)Common Questions
Punjab schemes 2026 FAQs
Which Punjab government scheme gives a free e-bike?
The CM Punjab E-Bike Scheme gives female students a fully subsidised e-bike with government covering the down payment and registration — effectively free for qualifying female students. Male students pay PKR 14,000 down and PKR 2,100/month (interest-free) over 3 years. Government employees (BPS 1–16) also qualify for the same installment structure. The PAVE (federal) scheme offers PKR 80,000 subsidy for eligible citizens.
Can I apply for more than one Punjab government scheme?
You can apply for multiple Punjab schemes that have different purposes — for example, you can apply for both the Parwaaz Card (overseas employment loan) and the Kisan Card (agricultural inputs) if you are an eligible farmer. However, many schemes explicitly prohibit simultaneous receipt of similar benefits: the Himmat Card, for example, requires you are NOT already receiving BISP, Zakat, Bait-ul-Mal or PSPA simultaneously.
How do I know if a Punjab government scheme is legitimate?
Verify through: (1) the official punjab.gov.pk portal — all major schemes have an official listing; (2) official Bank of Punjab (BOP) branches for loan-based schemes; (3) PSDF (psdf.org.pk) for skills/employment schemes like Parwaaz Card; (4) official scheme helplines. Never pay an agent or middleman to apply — all Punjab government scheme applications are free. Scammers often charge PKR 5,000–20,000 to 'process' free applications.
Not sure which scheme to apply for? Start with the e-bike
The CM Punjab e-bike scheme is open to students and government employees right now. Check eligibility in under 2 minutes.
Social Protection
Social Protection schemes
CM Himmat Card
Benefit: PKR 10,500 per quarter via Bank of Punjab card. Travel concessions, assistive devices, healthcare.
Who qualifies: Persons with disabilities (BISP-certified), unfit for employment. BISP PMT score ≤45. Not receiving other social support simultaneously.
Full guide & how to apply