Parwaaz Card Loan: Amount, Covered Expenses and Repayment
The Parwaaz Card loan is interest-free, with announced financing of up to Rs1,000,000 for the pre-departure expenses of overseas job holders. It covers medical tests, visa and protectorate fees, air tickets, skill testing where required and approved OEP charges. Funds are released in stages: 20% in cash first, then 20% in cash and 60% by card payment. Repayment is in easy monthly instalments.
How much can you borrow under Parwaaz Card?
PSDF’s June 2026 announcement with Bank of Punjab states that eligible candidates can access interest-free loans of up to PKR 1,000,000 for pre-departure expenses, and a news report in August 2026 repeats that figure. The amount you receive depends on your approved expenses. Early coverage of the January 2026 launch mentioned Rs300,000, so older pages may show a different figure.
| Source | Date | Amount mentioned |
|---|---|---|
| Launch ceremony coverage (Radio Pakistan, Dunya News) | January 2026 | Up to Rs300,000 per person |
| PSDF and Bank of Punjab agreement | June 2026 | Up to PKR 1,000,000 |
| ProPakistani report | August 2026 | Up to Rs1 million |
Check the portal for the limit that applies to you before you plan your costs.
Which expenses does the loan cover?
According to the portal FAQ, the loan covers the following costs, supported by receipts:
- Medical tests
- Visa and protectorate fees
- Air tickets
- Skill or trade testing, if required
- Approved OEP charges
- Other relevant expenses
Charges that are not approved, such as unofficial agent fees, are not something to expect the loan to cover.
How is the loan released? The 20/20/60 model
You will not receive the whole loan in cash. The portal FAQ says 20% is given in cash first. The remaining 80% is released later: 20% in cash and 60% through card payment for the air ticket and OEP facilitation charges. In total, 40% of the loan reaches you as cash and 60% is paid by card.
| Release | Share of loan | Example: Rs500,000 loan |
|---|---|---|
| Initial cash | 20% | Rs100,000 |
| Later cash | 20% | Rs100,000 |
| Card payment (air ticket and OEP charges) | 60% | Rs300,000 |
| Total | 100% | Rs500,000 |
The example is an illustration of the percentages, not a quote. Your approved amount and timing are decided during verification.
Try your own amount
Enter a loan amount up to Rs1,000,000 to see how much would arrive as initial cash, later cash and card payment under the 20/20/60 model.
Loan release calculator (20 / 20 / 60)
Enter a loan amount up to Rs1,000,000. The calculator applies the release model from the portal FAQ: 20% cash first, then 20% cash and 60% by card payment. It is an illustration, not a quote.
How is the loan repaid?
The portal describes the loan as interest-free with easy monthly instalments, so you repay what you borrowed without markup. Under the agreement between PSDF and Bank of Punjab, the bank oversees KYC verification, appraisal, approval, disbursement and repayment. Confirm your instalment amount and schedule with the portal or the bank when your loan is approved.
Who does what: PSDF and Bank of Punjab
PSDF handles applicant onboarding, facilitation and coordination with OEPs. Bank of Punjab handles the lending side. If your question is about the portal, call the PSDF helpline listed on the helpline and contact page. To start an application, follow how to apply for Parwaaz Card.
Frequently asked questions
What is the maximum Parwaaz Card loan?
PSDF’s June 2026 announcement and a news report from August 2026 cite up to Rs1,000,000, depending on approved expenses. Confirm the limit on the portal.
Will I get the full Parwaaz Card loan in cash?
No. 20% is paid in cash first. The remaining 80% is released later as 20% cash and 60% by card payment for the air ticket and OEP facilitation charges.
Who collects Parwaaz Card repayments?
Under its agreement with PSDF, Bank of Punjab oversees repayment of the loan.
Last checked against the official portal and announcements: 21 October 2026.