Parwaz Card for Overseas Students 2026: Get Up to Rs. 3 Million Interest-Free Loan
Parwaz Card for Overseas Students 2026
The Government of Punjab has launched the Parwaz Card Program 2026 to support Pakistani students and young professionals living abroad. Under the leadership of Chief Minister Maryam Nawaz, this program offers interest-free loans up to Rs. 3 million so overseas Pakistanis can start or expand their businesses in Punjab. The initiative is part of the government’s plan to encourage young entrepreneurs and use their global experience to boost Pakistan’s economy.
The program is linked with the Asaan Karobar Scheme 2025, making it easier for overseas students to apply for loans and start their business journey without financial pressure.
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What Is the Parwaz Card Program?
The Parwaz Card is a special facility for Pakistani students living abroad who want to invest in small or medium businesses in Punjab. Many overseas youth have advanced education, new ideas, and international exposure. However, the lack of capital often becomes a challenge. The Parwaz Card solves this problem by offering easy, interest-free financing with a simple online process.
Whether your idea is related to clean energy, technology, education, services, or any innovative field, the program welcomes all projects that support economic growth.
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Main Features of the Parwaz Card
| Feature | Details |
|---|---|
| Loan Amount | Up to Rs. 3 million (interest-free) |
| Application Method | 100% online from abroad |
| Business Types | All legal businesses, with preference for tech & clean energy |
| Extra Support | Priority for women & youth |
| Charges | No markup or service fees |
These features make the Parwaz Card one of the most supportive government initiatives for overseas Pakistani students.
Who Can Apply?
The Parwaz Card is open to overseas Pakistanis who meet basic requirements. The applicant must belong to Punjab by origin, be between 25 and 55 years old, and hold a valid CNIC or NICOP. Applicants must also be tax filers with an NTN number, and they should present a business plan for investment in Punjab. For loans above Rs. 5 lakh, property or asset documents are required as collateral.
This ensures that only genuine and committed applicants receive the loan.
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Loan Categories Under Parwaz Card
The program offers loans under two categories based on the scale of business and security requirements.
Tier 1 – Small Loan (No Collateral)
Under this category, students can apply for loans up to Rs. 5 lakh without giving any security or guarantee. It is ideal for small ventures, new startups, and experimental business ideas.
Tier 2 – Large Loan (With Collateral)
For bigger business setups, the program offers up to Rs. 3 million. However, this category requires collateral such as property papers or business assets.
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Required Documents
You need the following documents to apply from abroad:
How to Apply Online
Follow these steps to submit your application online:
- Visit the official Parwaz Card portal of the Punjab Government
- Click on “Apply Now.”
- Enter CNIC, mobile number, email, and NTN
- Select the loan category (Tier 1 or Tier 2)
- Upload your required documents
- Submit the form and wait for verification
- You will receive an SMS or email once approved
After approval, the loan is issued through a bank or digital payment system. Repayment begins after a short grace period.
Why Overseas Students Should Apply
Overseas Pakistani students have global exposure, better technical knowledge, and strong professional skills. By using the Parwaz Card, they can return home, start their own businesses, and contribute to economic development. This program also encourages them to become job creators instead of job seekers.
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Special Support for Women and Youth
The Punjab government is also promoting women’s participation in entrepreneurship. Female applicants may receive:
- Faster processing
- Easier documentation
- Extra support for businesses in education, technology, digital services, and renewable energy
This is a major step toward financial empowerment and gender inclusion.
Need Help? Contact Helpline 1786
If you face any difficulty during the application, you can call the official Punjab Government helpline at 1786. People living in Pakistan may also visit the nearest e-Khidmat Markaz for complete guidance.
Conclusion
The Parwaz Card Program 2026 is a promising opportunity for overseas students and professionals who want to invest their education and skills in Pakistan. With easy requirements, online applications, and interest-free loans up to Rs. 3 million, this initiative makes it easier for Pakistanis living abroad to start successful businesses in Punjab.
If you are an overseas Pakistani dreaming of launching a venture back home, this is the best time to apply and shape a better economic future.
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FAQs
1. Can all overseas Pakistanis apply for the Parwaz Card?
Yes, all Pakistani students and young professionals living abroad can apply if they meet the eligibility criteria.
2. Is there any interest or hidden fee on the loan?
No, the entire loan is interest-free with zero markup and no service charges.
3. How long does the approval process take?
The approval time depends on document verification, but applicants usually receive updates via SMS or email within a few weeks.
