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    20+ Frequently Asked Questions (FAQs) General & Eligibility What is the Parwaz Card? It is a digital welfare card providing interest-free loans and skill training to residents of Punjab. Is it available outside Punjab? No, currently it is only for permanent residents of Punjab province. What is the age limit? 18–35 years for skills/overseas support; 25–55 years for business loans. Is the registration free? Yes, there is no application fee. Beware of agents asking for money. Can women apply? Yes, women are given special priority and easier paperwork. Can students apply? Yes, college/university students over 18 can apply for the skill and overseas tracks. Loans & Finance Is the loan interest-free? Yes, all loans under the Parwaz Card are 100% interest-free (Qarz-e-Hasna). How much loan can I get? Up to 5 Lakh (No collateral) and up to 30 Lakh (With collateral). Do I need an NTN? Yes, an active NTN and tax-filer status are mandatory for business loan categories. What is the repayment period? Usually 3 to 5 years, starting after a grace period. Do I need a guarantor? For Tier-1 (up to 5 Lakh), your CNIC and tax record act as your guarantee. What if I already have an Akhuwat loan? You may be ineligible if you are currently a defaulter of other government schemes. Overseas & Skills What does the “Overseas Support” cover? It covers visa fees, medical tests, air tickets, and protectorate fees up to PKR 1 Million. Can I apply if I don’t have a job offer yet? For the overseas financial aid, a valid job offer letter is required. Which countries are covered? UAE, Saudi Arabia, Qatar, Italy, and other approved destinations. Is there any English language requirement? Basic English is preferred for international placements. Are the skills certifications international? Yes, training is provided through PSDF with internationally recognized certificates. Technical & Support How do I track my application? Use your CNIC or Tracking ID on the “Track Application” section of the official portal. What is the helpline number? You can call 1786 or visit any e-Khidmat Center for assistance. Can I apply via a mobile app? Currently, the process is web-based via the official portal. How long does approval take? The verification process usually takes 3 to 6 weeks. What should I do if my application is rejected? Review the reason (usually document errors), correct the info, and reapply if the portal is still open.
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