What Is the Parwaaz Card (PSDF)?

The Parwaaz Card is an initiative by the Punjab Skills Development Fund (PSDF) that provides interest-free loans to Pakistani workers who have received a valid overseas employment offer. The loan covers essential pre-departure costs including visa processing, medical tests, skill certification, and in some cases airfare — removing the financial barrier that prevents skilled workers from going abroad legally.

This scheme is specifically designed for overseas employment, not for local jobs or business startups. It partners with recognized overseas employment promoters and government-approved medical centers.

Who Is Eligible?

Pakistani citizen with valid CNIC
Permanent resident of Punjab (domicile)
Valid overseas employment offer letter or contract from a recognized employer
Age within the limits set by PSDF (typically 18–45, verify current rules)
No existing default on previous PSDF or government loans
Medical fitness as per destination country requirements

Required Documents

CNIC (original + copy)
Punjab domicile certificate
Overseas employment offer letter or signed contract
Passport (if already issued) or application receipt
Medical test reports from approved centers
Educational certificates (if required for the job category)
Recent photographs
Bank account details

Application Process

Secure a genuine overseas job offer through a registered employment promoter.
Check basic eligibility with our tool above.
Visit parwaaz.psdf.org.pk and create an account.
Upload your job offer, CNIC, domicile, and other required documents.
Complete medical tests at PSDF-approved centers.
Submit the application and wait for PSDF verification.
Upon approval, funds are disbursed for approved expense categories.
Repay the loan according to the agreed schedule after you start earning abroad.

After Approval

PSDF verifies your job offer authenticity, documents, and medical fitness. Approved applicants receive funds allocated for visa, medical, training, or ticket costs as per their approved package. The loan must be repaid — it is interest-free but not a grant. Keep all receipts and communication with your employment promoter.

Common Mistakes & Scam Warnings

Applying without a genuine overseas job offer — fake letters lead to rejection and legal trouble
Using unregistered employment agents who charge high fees
Submitting medical reports from non-approved clinics
Ignoring repayment obligations after going abroad

Parwaaz Card FAQs

Can I get Parwaaz Card without a job offer? No. A valid overseas employment document is mandatory.

How much loan can I get? Amount varies by job category and approved expenses — typically covering visa, medical, and related costs.

Is it really interest-free? Yes, under PSDF's Parwaaz program structure.

Can Sindh or KP residents apply? The Punjab Parwaaz Card requires Punjab domicile. Other provinces may have separate programs.

Parwaaz Card Scheme Eligibility — PSDF Pakistan

Parwaaz Eligibility Check