What is CM Punjab Parwaz Card/Asaan Karobar Card?

The CM Punjab Parwaz Card Program is a major public initiative launched by Government of Punjab with the aim of promoting entrepreneurship, self employment and sustainable economic development across the province. CM Punjab Parwaaz Card also known as Asaan Karobar Card is introduced by Maryam Nawaz for the public of Punjab Province. The word Parwaz means “flight”, which symbolizes progress, independence and advancement.
Asaan Karobar Card Apply Online option is available for every resident of Punjab. The program is specifically designed to empower youth, women, small traders and new entrepreneurs, providing them with structured financial support, guidance and access to the formal financial system. There is also available Karobar Card Login to access the portal.

Essentially, The CM Punjab Parwaaz Card is a structured financial facility, not just a cash distribution. Eligible Applicants can access loans in varying tiers benefit from business training and are covered under a transparent monitoring system. The program aims to reduce unemployment, legalize informal businesses and strengthen local economy.

The 2026 phase of CM Punjab Parwaz Card focuses on greater accessibility, digital registration, faster processing and improved transparency. Through modern technology and simplified procedures Government of Punjab wants to ensure that the facility is provided to the deserving individuals without unnecessary delays and bureaucratic hurdles.

Key Benefits of CM Punjab Parwaz Card Program 2026

CM Punjab Parwaz Card Program 2026 is not limited to financial assistance but its benefits go far beyond that. These benefits are designed to address the financial and non-financial issues faced by entrepreneurs and small businesses.

The biggest benefit of this program is access to low-cost financing. Many people are unable to obtain loans from banks due to lack of collateral or credit history. The Parwaz Card fills this gap and provides structured loans under government facilitation.

Another important benefit is financial inclusion. The program brings people who have not previously had a connection to a financial institution into the formal financial system, thereby building a financial record for them in the future.
The program also creates employment opportunities. Local jobs are created by supporting small businesses and startups which leads to poverty reduction and economic stability.
In addition, applicants also benefit from digital transparency. Online registration, application monitoring and status updates reduce the chances of nepotism and ensure a fair system.

Eligibility Criteria for CM Punjab Parwaz Card

To ensure fair and effective utilization, certain eligibility criteria have been set for the CM Punjab Parwaz Card Program. Although there may be some variation according to the level of debt, the general criteria are as follows:

The applicant must be a resident of the province of Punjab.

The applicant must be of working age and capable of running a business.

The applicant must have a valid National Identity Card.

Preference may be given to individuals who have a business idea, existing small business or self-employment venture.

The applicant must not be a defaulter of any major financial institution.

Special preference may be given to women entrepreneurs, people with disabilities, and those from disadvantaged or rural areas.

Additional Benefits of CM Punjab Parwaz Card 2026

Parwaz Card 2026 has several improvements over the previous phases, which have been introduced based on previous experiences and feedback from beneficiaries.

A notable improvement is the improved loan categorization, which allows applicants to choose a financial facility according to the stage of their business.

Another important benefit is the simplified documentation process. The government has reduced unnecessary paperwork to make it easier for first time applicants.

The program also emphasizes capacity building. In some cases, beneficiaries are also provided with guidance on business management, financial planning, and legal issues.

Maryam Nawaz Punjab Parwaz Card Loan Types

The Parwaz Card program has divided the loans into different tiers to cater to different financial needs.

• Tier 1 – Small Loans

Tier 1 loans are for new and small businesses. These loans are given for activities such as home businesses, cart-making, tailoring, handicrafts, small shops and services.

The aim of this tier is to make individuals self-sufficient with low risk. The repayment system is flexible so that income can be stable.

• Tier 2 – Business Expansion Loans

Tier 2 loans are for existing businesses that have potential to grow. This loan can be used to purchase machinery, increase inventory, upgrade technology or hire additional staff.
This level usually requires basic proof of business. The Goal of CM Parwaz card is to help small businesses grow and become more sustainable.

How to apply for CM Punjab Parwaz Card?

The application process for CM Punjab Parwaz Card 2026 has been made easy and completely digital.

• Step 1: Visit the official portal

First of all, go to the official Parwaz Card portal set by Government of Punjab.

• Step 2: Create an account

Create an account using your CNIC, Personal information to save and track your application.

• Step 3: Select Loan Tier

After logging in, select the loan tier as per your business requirement.

• Step 4: Complete the application form

Enter personal information, business details and a brief plan for using the funds in the form.

• Step 5: Upload required documents

Upload clear images of CNIC and other relevant documents.

• Step 6: Submit application and check status

Get the tracking number after submitting  application and keep checking the status online.

Application Review and Approval Process

Once the application is submitted, a systematic review process begins. Relevant departments verify  information and review the business plan.
Transparency is ensured and additional information may be requested from the applicant if necessary. After approval,  disbursement process begins.

Important Instructions for Applicant

Please read all instructions carefully before applying. Providing incorrect information may result in rejection of the application. The funds must be used only for the approved purpose.

Helpline and Parwaz Card Center

A helpline service and dedicated Parwaz Card Centers have been established to assist applicants.

Conclusion

CM Punjab Parwaz Card Program 2026 is a significant step towards inclusive economic development in Punjab. This program helps individual transform ideas into jobs and jobs into sustainable businesses by providing financial resources, guidance and opportunities.

Public Information Note (for PTBA)

This article is for public awareness purposes only. Please refer to official notifications and portals for latest and most accurate information.

FAQs:

Q: Is Prawaz Card a grant or a loan?

A: Prawaz Card primarily provides a structured loan, not a free grant.

Q: Can women apply?

A: Yes, women are especially encouraged to apply.

Q: Is it necessary to apply online?

A: Online application is preferred for transparency and convenience.