CM Parwaz Card 2025
Chief Minister Punjab Maryam Nawaz Sharif has taken another bold step toward realizing her vision for a progressive and self-reliant Punjab. Staying true to her commitment to discontinue unsustainable initiatives, she is now introducing practical and impactful programs aimed at long-term growth. Among these, her latest announcement-the Asan Karobar Scheme-has sparked renewed hope among the province’s youth and small-scale entrepreneurs.
Under this newly launched scheme, interest-free loans will offered to aspiring business owners across Punjab. The primary goal is to empower youth, boost local entrepreneurship, and create sustainable employment opportunities by strengthening the grassroots economy. Whether you’re planning to start a new venture or scale up an existing business, this is a golden opportunity to get financial support on easy terms. The application window is now open-don’t miss the chance to turn your business dream into a reality.
The Parwaz Card initiative is a clear testament to the government’s commitment to inclusive and sustainable economic growth. Alongside other welfare programs like the Himmat Card, Minority Card, and Labor Card, this scheme is specifically designed to empower the youth by offering vocational training and recognized certifications. Rather than providing short-term assistance, the focus is on creating long-term employment opportunities for low-income individuals. By equipping people with practical skills and stable livelihoods, the government aims to pave the way for a more prosperous Pakistan, where every citizen has a fair shot at a better, self-sufficient future.
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What is CM Parwaz Card?
CM Punjab Parwaz Card is a new initiative launched by the Punjab government in 2025 as part of the Easy Business Scheme, which provides people with a hassle-free experience. Its main objective is to provide affordable financing and ease to small and medium-sized entrepreneurs and large business people, especially youth and women, to start or expand their businesses across Punjab. Any individual who obtains a loan through this Parwaz card can use this Parwaz card to buy anything and can also make their payments online. This card works like a debit card and makes us digital.
Who Can Apply for this Scheme?
The Asaan Karobar Scheme, launched under the leadership of Chief Minister Maryam Nawaz, aims to uplift small and medium-sized enterprises across Punjab by offering accessible financial assistance. This initiative is designed for entrepreneurs and business owners who are operating legitimate businesses and seeking opportunities for expansion or stability.
- Eligible applicants include small business owners with annual sales of up to Rs. 150 million, while those with annual turnover up to Rs. 800 million also qualify for higher loan brackets.
- The age limit for applicants is between 25 to 55 years.
- And individuals must have a clean credit history,
- Be active tax filers with the FBR.
- And possess a valid CNIC and NTN.
- Additionally, the business must be physically located within Punjab, and the applicant must either own or legally rent the premises where the business is being operated.
This ensures the scheme reaches responsible and credible business owners committed to Punjab’s economic growth.
Loan Structure
The Punjab Employment Scheme, introduced by Chief Minister Maryam Nawaz, is a groundbreaking initiative aimed at supporting both emerging and established entrepreneurs through interest-free financing. The scheme outlines clear loan tiers, durations, and registration requirements tailored to different business needs.
For Small-Scale Entrepreneurs
- Entrepreneurs planning to start or grow a small business can access unsecured loans ranging from Rs. 1 million to Rs. 5 million.
- These loans are offered based on a personal guarantee without collateral.
- A registration fee of Rs. 5,000 is required to apply under this category.
For Established or Large Businesses
- For larger business ventures, the scheme provides secured loans between Rs. 6 million to Rs. 30 million.
- The applicant is provided with a loan with security at this level, i.e. it is referred to as a secured loan.
- The registration fee for this category is Rs. 10,000, and the loan repayment period extends up to five years.
This structured approach ensures that businesses at every level, whether just starting or looking to scale can access financial support with confidence and transparency.
Documents Required for the Parwaz Card:
Any young man or woman who is eligible for this program is given a CM Parwaz card so that they can use their money freely and do not have to go to the fixed point repeatedly to withdraw money. So, let’s talk about the necessary documents. Here is the list of them:
- Make sure that you have a valid CNIC and get its front and back copies and along with it, you should also have a passport size photograph.
- You should have proof that you will taxed.
- Your bank records, records of your purchase and sale and a statement of income from your business are also considered necessary.
- A residence certificate, that is, proof of residence and proof of the business you are running or you want to launch a new business and information about it.
- These are all the things that you must have so that you can get your registration for the Parwaz card done.
It is important to ensure that all the necessary documents you have with India are not blurred and should clear.
Procedure for Applying for a Parwaz Card
When you have the necessary documents, follow this step-by-step procedure to apply for a Parwaz card. The first thing you have to do is go to the official portal.
- You only have to use the official website of the government and then start applying.
- Enter the necessary documents such as CNIC, mobile number, NTN and your email.
- Choose your loan tier.
- Whether you want to get a big loan or a small one, then enter the details of your business, i.e. what type is it, where is it located and what will be your expected income. If you already have a business and you want to expand it, then attach its documents.
- If you want to start a big business, then submit the business plan and documents of your property assets.
- After that, submit the application.
- You will receive a response via SMS or email.
Then you will be given a date on which you will able to get the Parwaz card.
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Use of CM Punjab Parwaz Card After Approval
Once your Parwaz Card application is approved, it functions like a smart financial tool, similar to a preloaded digital debit card.
This card can used to handle various business-related expenses, such as;
- Buying equipment,
- Paying suppliers,
- Settling utility bills,
- Or investing in services needed to run or grow your business.
The card allows for up to 25% cash withdrawal, giving users some flexibility for miscellaneous or non-digital expenses, while the remaining balance must utilized through digital transactions.
This model promotes transparency, responsible spending, and interest-free usage. Plus, there’s a grace period before repayments begin, giving entrepreneurs time to stabilize their operations before returning the loan amount.
How to Resolve Common Issues of Application.
Application Rejection:
If your application is declined, double-check your eligibility criteria, ensure that your tax records (NTN/FBR) are up to date, and verify that all submitted documents are correct and complete before reapplying.
Approval Delays:
If your approval is taking longer than expected, make sure all your information and attachments are accurate. You can follow up via the official portal or contact the helpline 1786 for assistance.
Card Delivery Problems:
Haven’t received your card? Get in touch with the Bank of Punjab, or track the delivery using your reference or tracking number provided at the time of approval.
Login or Access Issues:
If you’re having trouble logging into the Parwaz portal, try resetting your password or clearing your browser cache. Make sure you’re using the mobile number linked with your CNIC.
Loan Usage Restrictions:
Funds on the card are strictly for business-related transactions such as equipment, utility payments, or vendor services. Avoid personal use, as misuse may lead to the card being suspended or blocked.
Final Thoughts
The CM Punjab Parwaz Card 2025 marks a transformative leap in uplifting the province’s youth, small business owners, and budding entrepreneurs. By offering interest-free financing, digital cards, and a transparent, tech-driven system, the initiative paves the way for sustainable business growth and inclusive economic progress. Whether you’re launching a startup or scaling an existing venture, the Parwaz Card equips you with the tools to grow—without financial strain, collateral, or risk. It’s not just a loan; it’s a path to self-reliance and long-term prosperity in Punjab.
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