The CM Punjab Parwaz Card Program 2026 has officially opened for applications, offering interest-free business loans to entrepreneurs across Punjab. If you are planning to start a new venture or expand an existing small business, this initiative provides financial support without markup.
⚠ Last Date to Apply: 05 March 2026
Applicants are strongly advised to complete the online application process before the deadline to avoid missing this opportunity.
This guide explains eligibility criteria, loan tiers, required documents, step-by-step online application method, repayment structure, and key benefits — all in a clear and professional format optimized for easy understanding.
What Is the CM Punjab Parwaz Card Program 2026?
The Parwaz Card Program is a government-backed interest-free loan scheme designed to support:
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Small and medium enterprises (SMEs)
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Youth entrepreneurs
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Women-led businesses
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Startups across Punjab
Unlike conventional bank loans, this program offers Qarz-e-Hasna (interest-free financing), meaning borrowers repay only the principal amount.
The objective is to reduce unemployment, promote entrepreneurship, and strengthen Punjab’s local economy.
CM Punjab Parwaz Card 2026 – Quick Overview
| Feature | Details |
|---|---|
| Program Name | CM Punjab Parwaz Card Program 2026 |
| Loan Type | Interest-Free (Qarz-e-Hasna) |
| Maximum Loan | Up to Rs. 30 Lakh |
| Application Mode | Online via Official Portal |
| Target Group | Punjab Residents (25–55 Years) |
| Repayment Period | Up to 5 Years |
| Collateral | Required for higher loan tier |
| Last Date to Apply | 05 March 2026 |
Key Benefits of the Parwaz Card Program
1. Interest-Free Financing
No markup, no hidden service charges. Borrowers repay only the principal amount.
2. Two Flexible Loan Tiers
| Tier | Loan Amount | Collateral Requirement | Ideal For |
|---|---|---|---|
| Tier 1 | Up to Rs. 5 Lakh | Not Required | Startups & Small Businesses |
| Tier 2 | Up to Rs. 30 Lakh | Required | Established Businesses |
3. Women & Youth Priority
Special preference and simplified processing for:
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Women entrepreneurs
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Youth under 35
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First-time business owners
4. Green Business Incentives
Solar energy, eco-friendly, and sustainability-focused businesses may receive priority processing.
Eligibility Criteria for CM Punjab Parwaz Card 2026
To qualify, applicants must meet the following requirements:
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Must be a resident of Punjab
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Age between 25 to 55 years
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Possess a valid CNIC
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Must have NTN (National Tax Number)
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Be a registered tax filer
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Have a business plan or existing registered business
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Clean financial and credit record
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Collateral required for loans above Rs. 5 lakh
Documents Required for Online Application
Prepare scanned copies of:
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CNIC (Front & Back)
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Recent passport-size photograph
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NTN Certificate
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Business Plan
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Business Registration Certificate (if available)
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Latest Utility Bill
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Bank Account Details
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Property documents (for Tier 2 loans)
Incomplete documents may delay approval.
How to Apply Online for CM Punjab Parwaz Card 2026
Follow these simple steps:
Step 1: Visit Official Portal
Go to the official Punjab government Parwaz Card portal (announced by authorities).
Step 2: Register Account
Create an account using:
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CNIC
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Mobile number
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Email address
Step 3: Fill Application Form
Enter:
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Personal details
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Business information
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Loan amount (Tier 1 or Tier 2)
Step 4: Upload Documents
Attach all required documents in clear format.
Step 5: Submit Application
After review, submit the form and note your tracking ID.
Step 6: Track Status
Use CNIC or tracking ID to check progress online.
⏳ Important: Apply before 05 March 2026 to ensure consideration.
What Happens After Submission?
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Verification – CNIC & NTN verified through official databases
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Business Assessment – Evaluation of business feasibility
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Approval Notification – SMS/Email confirmation
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Loan Disbursement – Direct transfer to bank account
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Repayment – Begins after grace period (usually 3 months)
Repayment Structure
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Flexible monthly installments
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Tenure up to 5 years
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No interest charges
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Early repayment allowed
Helpline & Assistance
| Support Channel | Contact |
|---|---|
| Punjab Helpline | 1786 |
| e-Khidmat Centers | Visit nearest center |
| SME Office | District-level guidance |
| Online Portal Helpdesk | Email/Live Chat |
Applicants facing difficulty can visit the nearest e-Khidmat Center for assistance.
Why You Should Apply Before 05 March 2026
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Limited funding allocation
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High number of expected applicants
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District-wise quota system
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Early applications may get faster processing
Missing the deadline may mean waiting for the next funding cycle.
Expected Impact of Parwaz Card Program 2026
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Thousands of new small businesses
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Increased job creation
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Empowerment of women entrepreneurs
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Boost to local manufacturing and retail sectors
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Reduced dependency on high-interest private loans
Final Words
The CM Punjab Parwaz Card Program 2026 is a major opportunity for aspiring entrepreneurs in Punjab. With interest-free financing up to Rs. 30 lakh, simplified online application, and government-backed transparency, it provides a strong foundation for business growth.
📅 Last Date to Apply: 05 March 2026
Make sure to complete your application before the deadline to secure your chance.
If you meet the eligibility criteria and have a solid business idea, this could be your opportunity to scale your business without financial burden.
