CM Punjab Parwaz Card Program 2025 – Simple Guide to Apply Online & Get Interest-Free Business Loan

The Punjab government has launched the CM Punjab Parwaz Card Program 2025, an ambitious plan by Chief Minister Maryam Nawaz to empower young entrepreneurs and small business owners. This program aims to boost employment, promote self-reliance, and support local businesses by offering interest-free loans across the province.

If you live in Punjab and have a dream to start or expand your business, the Parwaz Card could be your golden opportunity. Here’s a simple guide explaining how it works, who can apply, and how to register online.

What Is the Parwaz Card Program?

The CM Punjab Parwaz Card Program 2025 is an interest-free business loan scheme for individuals who want to start or grow their small or medium enterprises (SMEs). It provides financial assistance without the burden of bank interest, making it easier for entrepreneurs to manage and expand their ventures.

The program builds on the success of previous government initiatives like the Asaan Karobar Card, but with a higher loan limit and more inclusive features. Its main goal is to help the hardworking people of Punjab turn their business ideas into reality.

Key Features and Benefits

The Parwaz Card Program isn’t just about providing money — it’s about building a sustainable business ecosystem. Here are some of its most important features:

1. Interest-Free Loans
   You only pay back the amount you borrow — there’s no markup or interest involved. This helps small businesses grow without the pressure of high repayments.

2. Loan Limit Up to Rs. 30 Lakh
   The program offers two loan tiers:

   • Tier 1: Up to Rs. 5 lakh (no collateral needed, ideal for startups)

   • Tier 2: Up to Rs. 30 lakh (collateral or guarantor required for established businesses)

3. Easy Online Application
   Everything — from applying to tracking your application — is done digitally through the official government portal.

4. Priority for Women and Youth
   Special quotas are set aside for women entrepreneurs and young business owners, with simplified application requirements.

5. Flexible Repayment
   Loans can be repaid in monthly installments over several years, with a short grace period before repayments begin.

6. Support for Green and Innovative Businesses
   Projects focusing on renewable energy, agriculture technology, or eco-friendly products may receive extra incentives or fast-track approval.

Eligibility Criteria

To qualify for the Parwaz Card Loan 2025, you must meet the following conditions:

• Must be a resident of Punjab

• Age between 25 and 55 years

• Hold a valid CNIC (Computerized National Identity Card)

• Be a tax filer with an NTN (National Tax Number)

• Have a business plan or a registered business

• Provide collateral or guarantor for higher-tier loans

• Maintain a clean credit record

Even if you are just starting out, a strong and realistic business plan can serve as proof of your potential.

Required Documents

Before applying, prepare scanned copies of the following documents:

• CNIC (front and back)

• Recent passport-size photo

• NTN certificate or tax proof

• Business plan or proposal

• Business registration certificate (if available)

• Bank account details

• Latest utility bill

• Property or guarantor documents (for higher loans)

How to Apply Online for the Parwaz Card Program

The online application process is straightforward and user-friendly.

1. Visit the Official Portal – Access the Parwaz Card page through the Punjab government or e-Khidmat Center website.

2. Click on “Apply Now” – Choose the Interest-Free Business Loan or Parwaz Card option.

3. Fill in the Form – Enter your CNIC, contact details, business information, and desired loan amount.

4. Upload Documents – Attach all required documents in digital format.

5. Submit Application – After submission, you’ll receive a confirmation message or email.

6. Track Your Status – Use your CNIC or tracking ID to monitor progress online.

Support and Assistance

If you face any issues while applying, you can reach out for help through:

• Punjab Government Helpline: Dial 1786

• Nearest e-Khidmat Center – For in-person assistance

• District SME Office – For business planning and documentation help

• Punjab Small Industries Corporation (PSIC) – For entrepreneurship training and guidance

Why the Parwaz Card Matters

The Parwaz Card Program 2025 is expected to create thousands of jobs, encourage innovation, and reduce dependence on costly commercial loans. It especially benefits youth, women, and rural entrepreneurs who often struggle to access financial support.

By providing interest-free financing and digital access, the Punjab government is not only helping individuals but also strengthening the province’s overall economy.

Final Thoughts

The CM Punjab Parwaz Card Program 2025 is more than a financial scheme — it’s a movement toward self-employment and economic independence. Whether you run a small shop, a tech startup, or a home-based craft business, this program can help you take the next big step.

If you’re ready to build your future, start preparing your documents and apply online as soon as registration opens. With Parwaz Card, your business dreams can truly take flight. 🚀