The CM Punjab Parwaz Card 2026 is the latest initiative by Chief Minister Maryam Nawaz Sharif to empower the youth of Punjab. Whether you want to start a business in Pakistan or find a high-paying job abroad, the Parwaz Card provides the financial and technical “launchpad” you need.
Quick Application Summary
Official Portal: parwaz.punjab.gov.pk (or via PSDF/PITB platforms)
Registration Window: January 5, 2026 – January 28, 2026
Eligibility: Punjab Residents only
Loan Amount: Up to PKR 30 Lakh (Interest-Free)
Step-by-Step Application Process
Step 1: Account Creation & Verification
Visit the official portal. Click on “Register” and enter your CNIC and a mobile number registered in your name. You will receive an OTP (One-Time Password) to verify your identity.
Step 2: Choose Your Category
You must select one of the three main tracks:
Interest-Free Business Loan: For startups and existing SMEs.
Overseas Employment Support: Financial aid for visa, travel, and protectorate fees.
Skill Development: Free technical training with international certification.
Step 3: Upload Documents
Prepare scanned copies (JPG or PDF) of the following:
Valid CNIC (Front and Back).
Recent Passport-size photograph.
For Business: NTN Certificate and a basic Business Plan.
For Overseas: Job offer letter (for salary < SAR 5000) and Passport.
Step 4: Submission & Tracking
Review your data and click “Submit.” You will receive a Tracking ID. Keep this safe to check your status via the portal or by calling the helpline at 1786.
PSDF
Parwaaz Card
The parwaaz card provides interest-free loans to help skilled individuals cover pre-departure costs, making overseas employment easier and more accessible.
Please share today updated rates
The forex rates are subject to change based on market forces and foreign currency demands, although they are updated at 10:00 AM on Pakistan Standard Time (PST).
Currency
Unit
Buying
Selling
US Dollar
USD
279.3
280.5
Euro
EUR
301.6
303.65
UK Pound Sterling
GBP
357.8
357.35
U.A.E Dirham
AED
75.65
76.35
Saudi Riyal
SAR
73.8
74.54
Australian Dollar
AUD
184.85
186.35
Bahrain Dinar
BHD
741
749
Canadian Dollar
CAD
203
205
China Yuan
CNY
38.29
38.69
Danish Krone
DKK
40.03
40.43
Hong Kong Dollar
HKD
35.63
35.98
Indian Rupee
IND
3.34
3.44
Japanese Yen
JPY
1.9
1.98
Kuwaiti Dinar
KWD
907.71
916.71
Malaysian Ringgit
MYR
58.99
59.59
New Zealand Dollar
NZD
169.34
171.34
Norwegians Krone
NOK
26.14
26.44
Omani Riyal
OMR
722.87
730.89
Qatari Riyal
QAR
76.14
77.14
Singapore Dollar
SGD
202
204
Swedish Korona
SEK
26.27
26.57
Swiss Franc
CHF
309.01
311.51
Thai Bhat
THB
7.55
7.7
How to Maximize Your Daraz Profit in 2025: Smart Selling, Sale Strategy & Daraz Profit Calculator Guide
Daraz has become Pakistan’s largest e-commerce marketplace, with millions of monthly visitors and thousands of active sellers competing for attention. From mega-events like 11.11, Black Friday, Ramzan Sales, Azadi Sales, and Year-End Mega Sales, sellers see huge traffic spikes—but not every sale means profit.
Many sellers dramatically reduce prices to win customers, ignoring hidden fees, commissions, logistics costs, and taxes. In the end, they celebrate high sales volume but discover they barely earned anything—or even operated at a loss.
To fix this, every Daraz seller needs a tool that calculates true profit after all deductions.
Introducing the Daraz Profit Calculator by Cyberian.pk —
👉 Profit Calculator
This tool is now becoming a must-use for anyone selling on Daraz.
This article will guide you through:
• How Daraz sales actually work
• Hidden costs most sellers ignore
• Why sellers lose profit during big sales
• How to use the Daraz Profit Calculator
• Best pricing and discount strategy for 2025
• Smart seller tips to stay profitable every month
⸻
Understanding Daraz Sales: What Sellers Must Know
Daraz is designed to attract buyers through:
• Mega campaigns
• Flash deals
• Price drops
• Free shipping offers
• Voucher stacking
• Coins redemption
• Seller-funded and Daraz-funded discounts
These features boost visibility but affect your profit margin if not planned properly.
Here are the main fees that affect your earnings:
1. Daraz Commission (category-based)
2. Payment Fee
3. Shipping Fee (partially or fully paid by seller depending on policy)
4. Packaging cost
5. Warehouse/fulfillment charges (if using FBD)
6. Return/Dispute costs
7. Vouchers & coins (often shared cost)
8. Provincial service tax
Many sellers only subtract product cost from selling price, which is wrong.
A correct calculation must include all above deductions.
⸻
Why Sellers Lose Money in Sales Events
❌ Reason #1: Over-discounting without calculation
During events like 11.11, sellers reduce price by 20–40% expecting high volume.
But Daraz also reduces it further with:
• platform vouchers
• coins
• shipping subsidies
You may think you gave 20% off, but buyers may get 35–40% off—your profit drops drastically.
❌ Reason #2: Ignoring commission variation
Electronics, fashion, beauty, accessories — each category has different commission.
A 10% miscalculation can turn profit into loss.
❌ Reason #3: Shipping charges mismanagement
If you offer free shipping, that cost comes out of your pocket.
❌ Reason #4: Not calculating tax
Provincial sales tax can be 5–13%.
Sellers who forget this tax often get shocked when payout arrives.
❌ Reason #5: Blind trust in seller center payout
Seller center only shows final payout after the order, not before.
You need a tool to forecast profit before the sale happens — not after.
⸻
The Solution: Daraz Profit Calculator (Cyberian.pk)
👉 Profit Calculator
This free tool lets you enter your selling details and instantly calculate:
• Net profit
• Profit margin %
• All fees deducted
• Category-based commission
• Shipping and tax impact
• Final earnings after discounts
It is the most accurate profit analyzer for Pakistani sellers in 2025.
⸻
How to Use the Daraz Profit Calculator
Go to:
👉 Profit Calculator
Enter the following inputs:
(1) Selling Price (PKR)
The price at which you’re offering the product on Daraz.
(2) Product Cost (PKR)
Your procurement cost from wholesale/market/supplier.
(3) Packaging Cost
Poly bags, bubble wrap, tape, cardboard box, etc.
(4) Logistics/Shipping Cost
If seller pays shipping or uses custom delivery.
(5) Category of Product
Commission changes category to category — the calculator uses updated values.
(6) Customer Shipping Fee
If customer pays shipping, add that here.
(7) Voucher/Discount Sharing
You can include how much discount YOU are giving vs Daraz is giving.
(8) Provincial Tax
Enter applicable tax if required.
After entering data, the calculator shows:
• Your total expenses
• Daraz deductions
• Your final net profit
• Profit margin % (very important for pricing strategy)
This helps you decide:
✔ Should you participate in a sale?
✔ Is this price profitable?
✔ How much discount can you afford?
✔ Should you offer free shipping or not?
✔ What is your safe selling price?
⸻
Example Calculation (Simple Example)
• Product cost: Rs. 800
• Selling price: Rs. 1,200
• Packaging: Rs. 30
• Shipping paid by seller: Rs. 120
• Commission: 10%
If you calculate manually, you might think:
1,200 – 800 = 400 profit
But after adding:
• Commission: -120
• Payment fee
• Return risk
• Packaging: -30
• Shipping: -120
Your real profit may become:
👉 Rs. 110 only
This is why every seller must calculate profit before listing a product.
⸻
Smart Pricing Strategy for Daraz Sellers in 2025
To stay profitable, follow these rules:
✔ Rule 1: Never price without calculation
Use the calculator every time to estimate profit.
✔ Rule 2: Keep at least 15–25% profit margin
Anything below 10% is risky due to returns.
✔ Rule 3: Don’t join every sale event
Join only if discount is manageable.
✔ Rule 4: Charge buyer shipping where possible
Buyers don’t mind paying Rs. 99 if product quality is good.
✔ Rule 5: Use smart bundle offers
Bundles increase order value without high commission.
✔ Rule 6: Avoid extremely cheap products
Under Rs. 300 items rarely generate real profit.
✔ Rule 7: Keep 2 versions of price
• Normal price
• Sale price
Calculate both.
⸻
Advanced Tips for Experienced Sellers
Here are strategies professional Daraz sellers use:
⭐ Focus on high-demand, low-return categories
Examples: Home items, mobile accessories, kitchen utilities.
⭐ Use paid traffic only on profitable items
Don’t boost low-margin products.
⭐ Maintain price stability
Frequent price changes hurt listing ranking.
⭐ Track your profits weekly
Use the calculator to adjust prices as commission or policies change.
⸻
Why Cyberian.pk’s Profit Calculator is Growing Fast
Because it gives:
• Accurate commission calculation
• Updated Daraz fee structure
• Simple interface
• Fast calculation
• No signup required
• Mobile-friendly
• Completely free
Sellers using this tool make 40–60% better pricing decisions compared to sellers relying on guesswork.
⸻
Conclusion: The Smart Seller Wins — Not the Low-Price Seller
Daraz is a competitive marketplace.
Those who calculate profit smartly + price strategically will win.
Those who blindly cut prices will lose—even with high sales volume.
Before you list ANY product or join ANY sale event, run your numbers through:
👉 Profit Calculator
This tool will protect your profit and guide you toward long-term, sustainable success on Daraz.
How to Understanding Daraz Sales & Hidden Costs
Daraz is one of Pakistan’s largest e-commerce marketplaces. Its flash-sales, seasonal promos (like “11.11”, “9.9”, “Black Friday”, etc.) and discount events draw massive buyer attention — but for many sellers, what looks like a sale might erode actual profit margins.
Why? Because beyond the sale price, there are multiple fees and costs involved:
• Commission charges (Daraz keeps a percentage of your sale depending on product category). 
• Payment handling fees, shipping/packaging costs, and occasionally other logistic or promotional contributions. 
• VAT or provincial tax, depending on where the sale happens. 
Many new (or inexperienced) sellers simply list a product at a “sale price” without calculating all these deductions — resulting in thin profits or, worse, losses. A sale number on your listing doesn’t always translate into real profit.
This is where having a profit-calculation tool becomes important.
⸻
How Daraz Profit Calculator Helps You 📈
The Daraz Profit Calculator on Cyberian.pk — available at daraz-profit.cyberian.pk — offers a simple, input-based way to estimate your actual take-home profit. 
What you enter:
• Selling Price (PKR)
• Product Cost (the wholesale / procurement cost) (PKR)
• Packaging Cost (PKR)
• Logistics/Travel Cost (PKR)
• Product Category (to account for varying commission rates) 
• Customer Shipping Fee (if the buyer pays shipping) (PKR)
• Provincial Tax / VAT (if applicable) (PKR) 
• Free-shipping thresholds / vouchers / discounts applied (Daraz Coins discount, co-funded voucher, etc.) 
What the calculator outputs:
• Total fees charged by Daraz + other expenses
• Net Profit (after subtracting all costs)
• Profit Margin (percentage) — helps quickly see if your pricing makes sense. 
Using this, you can pre-evaluate whether a sale price — especially during promotional events — still leaves you with a healthy profit, or whether your cost structure is bleeding you dry.
⸻
Tips for Sellers Using Calculator + Sales Strategy
• Always check “all-in” cost before listing — including procurement cost + shipping + packaging + fees + tax. Don’t rely only on “discounted sale price vs retail price.”
• Compare by category: Commission rates differ by category (fashion, electronics, groceries, etc.). What’s profitable in one may not be in another. 
• Use shipping vs free-shipping smartly: If you offer free shipping, that’s a cost you bear — factor it in. Having buyers pay shipping shifts cost and increases margin.
• Test margin before promotions: Big sales or discounts can attract customers, but if margins are slim — promotion + volume may still hurt you. Use calculator to test “sale + volume” scenarios.
• Plan for tax & fee changes: Platforms may update commission or tax rates. Periodically re-check or re-calculate to stay ahead.
⸻
Why This Matters for Pakistani E-Commerce (and You)
In Pakistan’s e-commerce boom, many startups and small sellers flock to platforms like Daraz. But without tools to monitor real profitability, many get stuck selling at thin margins — or lose money despite high sales volume.
For someone like you (building AI-based delivery service, exploring e-commerce avenues like salt/solar lamps, etc.), integrating such a calculator is crucial. It helps you stay lean, avoid surprises, and price your products for sustainable profit.
⸻
Use It Yourself — Get Started
Check out the calculator here: Daraz Profit Calculator – Cyberian.pk
Before launching any product on Daraz (or listing for a sale), plug in all costs and see if your expected net profit and margin justify the risk or effort.
⸻
“How to Maximize Profit on Daraz While Using Profit Calculator” — covering best practices, common mistakes, and a checklist.
Do you want me to build that for you now?
Join FREE New Marketplace
Prayer times — Islamabad (PKT) — 09 Oct 2025
Note: different fiqh (firqa) choices affect mainly Asr (Sunni Hanafi vs other Sunni schools) and some methods differ for Fajr/Isha. Below are times for the common groups:
Firqah / School
Fajr
Sunrise
Dhuhr
Asr
Maghrib
Isha
Sunni (Shafi / Maliki / Hanbali / default Aladhan method)
04:45
06:08
11:55
15:14
17:42
19:04. 
Sunni (Hanafi — Hanafi juristic Asr)
04:46
06:07
11:56
16:03
17:44
19:06. 
Shia (Jafari)
04:55
06:08
11:55
15:13
17:57
18:45. 
⸻
Monthly table — October 2025 (Islamabad) — Markup-style (Shafi / default method)
(Full month — use in posts or website; times in PKT)
Date
Fajr
Sunrise
Dhuhr
Asr
Maghrib
Isha
01 Oct 2025
04:39
06:02
11:58
15:21
17:52
19:15
02 Oct 2025
04:40
06:03
11:57
15:20
17:51
19:14
03 Oct 2025
04:41
06:04
11:57
15:19
17:50
19:12
04 Oct 2025
04:42
06:04
11:57
15:18
17:48
19:11
05 Oct 2025
04:42
06:05
11:56
15:17
17:47
19:10
06 Oct 2025
04:43
06:06
11:56
15:16
17:46
19:08
07 Oct 2025
04:44
06:07
11:56
15:15
17:44
19:07
08 Oct 2025
04:45
06:07
11:55
15:15
17:43
19:06
09 Oct 2025
04:45
06:08
11:55
15:14
17:42
19:04
10 Oct 2025
04:46
06:09
11:55
15:13
17:40
19:03
11 Oct 2025
04:47
06:10
11:55
15:12
17:39
19:02
12 Oct 2025
04:48
06:10
11:54
15:11
17:38
19:01
13 Oct 2025
04:48
06:11
11:54
15:10
17:37
18:59
14 Oct 2025
04:49
06:12
11:54
15:09
17:35
18:58
15 Oct 2025
04:50
06:13
11:54
15:08
17:34
18:57
16 Oct 2025
04:50
06:13
11:53
15:07
17:33
18:56
17 Oct 2025
04:51
06:14
11:53
15:06
17:32
18:55
18 Oct 2025
04:52
06:15
11:53
15:05
17:31
18:54
19 Oct 2025
04:53
06:16
11:53
15:05
17:29
18:52
20 Oct 2025
04:53
06:17
11:53
15:04
17:28
18:51
21 Oct 2025
04:54
06:17
11:52
15:03
17:27
18:50
22 Oct 2025
04:55
06:18
11:52
15:02
17:26
18:49
23 Oct 2025
04:56
06:19
11:52
15:01
17:25
18:48
24 Oct 2025
04:56
06:20
11:52
15:00
17:24
18:47
25 Oct 2025
04:57
06:21
11:52
14:59
17:23
18:46
26 Oct 2025
04:58
06:22
11:52
14:59
17:22
18:45
27 Oct 2025
04:59
06:22
11:52
14:58
17:21
18:44
28 Oct 2025
04:59
06:23
11:52
14:57
17:20
18:43
29 Oct 2025
05:00
06:24
11:52
14:56
17:19
18:43
30 Oct 2025
05:01
06:25
11:52
14:56
17:18
18:42
31 Oct 2025
05:02
06:26
11:51
14:55
17:17
18:41. 
⸻
Sources / notes
• Monthly & daily times (default / Shafi-style / Aladhan calendar) — Aladhan prayer calendar for Islamabad (October 2025). 
• Hanafi juristic Asr / Hanafi table (IslamicFinder / other providers sometimes show Hanafi Asr later — I used IslamicFinder timings as Hanafi reference). 
• Shia (Jafari) timings check live location base at (Secnto.com Shia and other timetable for you location). 
In today’s digitally connected world, curiosity about online privacy and social interactions is natural. One of the most frequently asked questions among Facebook users is:
“Can I see who views my Facebook profile?”
If you’ve ever found yourself wondering who’s been checking out your Facebook page — whether it’s an old friend, an ex, a coworker, or someone new — you’re not alone. Let’s dive into the facts, myths, and practical solutions regarding this curiosity.
⸻
Facebook’s Official Position
Facebook clearly states that users cannot see who views their profile. According to Facebook’s official Help Center:
“No, Facebook doesn’t let people track who views their profile. Third-party apps also can’t provide this functionality.”
This means there is no built-in feature or authorized third-party application that can tell you exactly who visited your profile.
⸻
The Myths: What Doesn’t Work
Let’s bust some common myths:
❌ Third-Party Apps or Extensions
Some apps and browser extensions claim to show who has viewed your Facebook profile. These are scams or malicious software designed to:
• Collect your personal data
• Inject ads or malware into your device
• Trick you into giving them account access
❌ Source Code Trick
There’s a rumor that checking your Facebook page’s source code and searching for “Buddy_ID” will reveal your profile visitors. This is false. These IDs simply represent friends you’ve interacted with recently, not people who visited your profile.
❌ Profile Interactions as Clues
Some users assume that people who like or comment on your posts frequently must be visiting your profile often. While this might be partly true, Facebook does not provide definitive visitor data based on interactions.
⸻
The Truth: What Facebook Tracks Privately
Facebook does track some information internally, such as:
• Your post reach and engagement (via Insights, for pages)
• Story viewers (on Facebook Stories only)
• Ad interactions (if you’re running paid ads)
However, this data is limited and does not include profile visitors for personal profiles.
⸻
So, What’s the Solution?
While you can’t see exactly who views your profile, here are a few practical solutions and alternatives to understand your audience better and manage your privacy:
⸻
✅ Use Facebook Stories for Clues
When you post a Facebook Story, Facebook does show you who viewed it. If you’re curious about who’s watching you, share content via Stories and check the viewer list.
⸻
✅ Create a Facebook Page
If you’re a content creator, influencer, or business owner, consider switching to a Facebook Page. Pages have access to Facebook Insights, which show:
• Demographics of followers
• Post reach
• Engagement rates
While this still won’t tell you individual viewers, it’s great for getting to know your audience.
⸻
✅ Monitor Profile Engagement
Keep an eye on:
• New friend requests
• Messages from strangers
• Likes and comments from people who don’t usually interact with you
These could be indirect hints about who’s browsing your profile.
⸻
✅ Improve Privacy Settings
If you’re worried about people snooping on your profile, here’s how to protect your information:
Steps:
1. Go to Settings & Privacy > Settings
2. Click on Privacy
3. Adjust:
• Who can see your posts?
• Who can send you friend requests?
• Who can look you up using your email/phone number?
4. Set most options to Friends or Only Me for better control.
⸻
Bottom Line
There is no legitimate way to see who views your Facebook profile. Facebook prioritizes user privacy and doesn’t share this data with anyone — not even you.
If an app or website promises to reveal your profile viewers, it’s fake and potentially dangerous.
Instead of chasing hidden data, focus on improving your privacy settings, using Stories for clues, and managing your online presence responsibly.
⸻
Stay Safe Online!
Always be cautious about installing unknown apps or sharing personal data. If something sounds too good to be true — like an app that shows your secret stalkers — it probably is.
⸻
✨ Pro Tip:
If you’re a business or public figure, switch to a Professional Mode on your personal profile for insights into your content’s performance — it’s not detailed about who viewed, but it gives a broader sense of reach.
As of May 7, 2025, there is no scheduled or ongoing cricket match between India and Pakistan. The most recent encounter between the two teams occurred on February 23, 2025, during the ICC Champions Trophy. In that match, India triumphed over Pakistan by 6 wickets, with Virat Kohli scoring an unbeaten century and earning the Player of the Match award .  
However, tensions between India and Pakistan have escalated due to recent military actions. On May 6, 2025, India launched “Operation Sindoor,” targeting nine sites in Pakistan and Pakistan-administered Kashmir, which India identified as terrorist infrastructure. Pakistan reported casualties and has vowed to respond to what it describes as an “act of war” .   
In response to these developments, India has activated air defense units along the border, and Pakistan has closed Lahore and Sialkot airports for 48 hours. Both nations have heightened their military readiness, and the international community is closely monitoring the situation . 
For live coverage of these events, you can watch the following video:
Are you dreaming of owning a car in Pakistan but worried about the upfront costs? Good news! Car financing and installment plans in Pakistan have become more accessible than ever, making it easier for buyers to drive home their favorite ride. One of the most in-demand budget-friendly cars is the Suzuki Alto, and we’re diving into its installment plans—along with other famous models like Toyota Yaris, Honda City, Kia Sportage, Changan Alsvin, and MG HS.
⸻
🔍 Suzuki Alto 2025 Installment Plan (Overview)
The Suzuki Alto is Pakistan’s best-selling hatchback, known for its fuel efficiency, affordability, and compact design—perfect for city driving.
📊 Suzuki Alto VXR (Approx. Price: PKR 2,700,000)
Installment Plan Example (5-Year Plan)
• Down Payment: PKR 540,000 (20%)
• Monthly Installment: PKR 42,000 – 47,000 (depending on markup rate)
• Total Duration: 60 months
• Bank Options: Meezan Bank, Bank Alfalah, HBL, MCB, UBL
Variants Covered:
• Alto VX (Basic)
• Alto VXR
• Alto VXL AGS (Auto Gear Shift)
💡 Tip: Islamic car financing options (like Ijarah or diminishing Musharakah) are also available.
⸻
🚘 Other Famous Cars & Their Financing Options in Pakistan
Toyota Yaris
• Starting Price: PKR 4,800,000
• Down Payment: From PKR 960,000
• Monthly Installment: ~PKR 70,000 – 85,000
Honda City
• Starting Price: PKR 4,950,000
• Financing: Up to 5–7 years
• Monthly Installments: Starting from PKR 72,000
Kia Sportage (Alpha, FWD, AWD)
• Price Range: PKR 7,900,000 – 9,100,000
• Installments: PKR 110,000 – 140,000/month
• Ideal For: SUV lovers
Changan Alsvin
• Price: PKR 4,150,000
• Monthly Plan: Starts from PKR 60,000
• Affordable alternative to City/Yaris
MG HS
• Price: PKR 9,299,000
• Luxury SUV feel
• Monthly EMI: PKR 130,000 – 150,000
⸻
🏦 Banks & Institutions Offering Car Financing in 2025
• Meezan Bank (Islamic Financing)
• Bank Alfalah Auto Loan
• MCB Car4U
• UBL Drive
• Askari Car Loan
• HBL CarPlan
All offer online calculators to get your custom plan based on car model, down payment, tenure, and income.
⸻
✅ Documents Required
• CNIC Copy
• Recent Salary Slip or Business Proof
• 3–6 Month Bank Statement
• NTN or Tax Return (for some banks)
• Utility Bills (Proof of Residence)
⸻
📢 Final Thoughts
Whether you’re a salaried professional or self-employed, these installment plans make car ownership in Pakistan more achievable. Suzuki Alto remains the most budget-friendly option, but now you can also aim for sedans and SUVs through smart financing. Just compare markup rates, terms, and pre-payment penalties before choosing.
⸻
📱 Stay Updated!
Follow local car pages or apps like PakWheels, CarFirst, OLX Autos, and banks’ websites to track updates and EMI calculators.
⸻
🔖 Tags & Hashtags
#SuzukiAlto #CarInstallments #PakistanCars #AutoLoan #ToyotaYaris #HondaCity #KiaSportage #ChanganAlsvin #MGHS #MeezanBank #HBLCarLoan #BankAlfalahCarLoan #IslamicAutoFinance #CarsInPakistan #CarFinancingPakistan #AffordableCarsPK
The “Your card does not support this type of purchase” error usually means your bank is preventing the transaction, possibly due to a setting, a restriction on the card, or a flagged charge. It could also be a problem with the card itself, such as being a debit card that requires a PIN, or being a virtual or prepaid card.
Here’s a more detailed breakdown of potential causes:
Bank Restrictions or Settings:
Your bank may have a setting in your online banking account or by their policy that prevents the card from being used for online or contactless purchases.
Your bank may have flagged the transaction as potentially fraudulent, leading to a denial.
The bank may have a restriction on cross-border transactions if you’re using a card issued in a different country.
Card Type or Restrictions:
Some debit cards require a PIN to be entered, and if that’s the case, you may need to use a different card.
Virtual or prepaid cards are more likely to be declined, especially for online purchases.
Some cards have restrictions on the types of purchases they can be used for, such as being limited to specific industries.
Other Potential Issues:
Incorrect card details: Double-check that you’ve entered your card number, expiration date, and security code correctly.
Outdated billing address: Ensure your billing address matches what’s on file with your bank.
Fraudulent activity: Your bank may be blocking the transaction as a precaution against fraud.
Card limit: You may be exceeding your credit limit or spending limit.
What to do:
Contact your bank: If you suspect a bank issue, contact your bank to inquire about the reason for the denial and to see if they can authorize the transaction.
Use a different card: If the issue persists with your current card, try using a different credit or debit card.
Check for errors in the entered information: Ensure you’ve entered all the required details accurately.
Update your billing information: If your billing address is outdated, update it with your bank and the merchant.
Review your spending limits: Check if you’ve exceeded your credit or spending limits.
By following these steps, you should be able to troubleshoot the issue and successfully make your purchase.
In a recent follow-up call conducted by the Government of Punjab, a beneficiary of the “Apni Chhat, Apna Ghar” program expressed heartfelt gratitude and appreciation for the initiative launched under the leadership of Chief Minister Maryam Nawaz.
During the feedback call, the beneficiary shared how this program has significantly impacted their life, offering a sense of security, dignity, and hope for a better future. The recipient mentioned that having a roof over their head was a long-awaited dream that has finally come true, thanks to the vision and compassion of the current provincial government.
The program, which aims to provide affordable and dignified housing to deserving families across Punjab, has been praised for its transparent implementation and human-centric approach. Many beneficiaries have reported that the process of application, approval, and communication has been smooth and respectful—something not often associated with large-scale public housing initiatives.
The feedback call also served as a reflection of the government’s commitment to ensuring that its initiatives are not only reaching the public but are also making a real difference in people’s lives. By actively seeking input from citizens, the Punjab government is fostering a culture of accountability and responsiveness.
Chief Minister Maryam Nawaz’s “Apni Chhat, Apna Ghar” program stands as a testament to inclusive governance and genuine public service, aiming to uplift the lives of underprivileged citizens through tangible, life-changing support.
Etsy is available in Pakistan, and you can create an account by following these steps:
Step 1: Sign Up for an Etsy Account
1. Go to Etsy.com
2. Click on “Sign in” (top right corner).
3. Select “Register” and enter:
• Your email address
• Your first name
• A password
4. Click “Register” (or sign up using Google, Facebook, or Apple).
Step 2: Set Up Your Shop (For Sellers)
1. Click on “Sell on Etsy” (at the bottom or via Etsy Seller Signup).
2. Click “Open Your Etsy Shop”.
3. Choose your Shop Preferences:
• Language
• Country (Pakistan)
• Currency (USD is recommended)
4. Click “Save and Continue”.
Step 3: Name Your Shop
• Enter a unique shop name (Etsy will check availability).
Step 4: List Your First Product
• Add Photos of your product.
• Write a Title and Description.
• Set Price, Quantity, and Shipping Details.
Step 5: Set Up Payment Method
• Etsy does not support direct payments to Pakistani banks.
• Use Payoneer or Wise to receive payments.
• Link your Payoneer account to Etsy under “How you’ll get paid”.
Step 6: Set Up Billing (For Etsy Fees)
• Etsy charges listing fees ($0.20 per product) and transaction fees (6.5%).
• Add a credit/debit card or use a virtual card (like SadaPay or NayaPay) for payments.
Step 7: Launch Your Shop
• Review everything and click “Open Shop”.
Bonus: Promote Your Shop
• Share your shop on Facebook, Instagram, and Pinterest.
• Use SEO-friendly product titles and tags.
Would you like help setting up your Payoneer account for receiving payments? 🚀
In a significant achievement for Pakistan’s higher education sector, 47 universities from the country have been included in the 2025 Times Higher Education (THE) World University Rankings. 
Top-Ranked Institutions
Leading the Pakistani institutions is Quaid-i-Azam University Islamabad, positioned within the 401–500 bracket. Following closely, several universities have secured rankings between 601 and 800, including:
• Air University Islamabad
• Capital University of Science and Technology
• COMSATS University Islamabad
• Government College University Faisalabad
• National University of Sciences and Technology Islamabad
• Sukkur IBA University
• University of Engineering and Technology Taxila
• University of Malakand Dir Lower
Additional Notable Rankings
Universities ranked between 801 and 1000 include:
• Abdul Wali Khan University Mardan
• International Islamic University Islamabad
• Khwaja Fareed University of Engineering and Information Technology Rahim Yar Khan
• Lahore University of Management Sciences
• PMAS Arid Agriculture University Rawalpindi
• The Islamia University of Bahawalpur
• University of Central Punjab Lahore
• University of Engineering and Technology Peshawar
• University of Gujrat
• University of Lahore
• University of Management and Technology Lahore
• University of the Punjab Lahore
• University of Veterinary and Animal Sciences Lahore
Overall Representation
The inclusion of 47 Pakistani universities in the 2025 THE World University Rankings underscores the country’s commitment to advancing higher education and research. This achievement reflects the growing emphasis on academic excellence and international collaboration within Pakistan’s educational institutions. 
Global Context
On the global stage, the University of Oxford has maintained its top position for the ninth consecutive year, bolstered by improvements in industry engagement and teaching. The Massachusetts Institute of Technology (MIT) has ascended to second place, surpassing Stanford University, which has moved to sixth. Notably, countries such as Brazil, Saudi Arabia, and the United Arab Emirates have entered the top 200, highlighting the rise of emerging markets in higher education. 
The 2025 rankings evaluated over 2,000 institutions from 115 countries and territories, employing 18 carefully calibrated indicators to assess performance across teaching, research environment, research quality, industry engagement, and international outlook. 
This recognition serves as an inspiration for Pakistani universities to continue striving for excellence and to further enhance their contributions to global academia.
Pi Network’s Open Mainnet Launch Expected in Q1 2025
As of January 23, 2025, Pi Network is poised to transition from its Enclosed Mainnet to the Open Mainnet phase, with the launch anticipated in the first quarter of 2025. This progression will enable Pi coins to become fully tradable on the open market, marking a significant milestone for the project. 
Progress and Milestones
The Pi Network development team has been diligently working towards this launch, achieving notable milestones:
• KYC Verifications: Over 14 million users have successfully completed the Know Your Customer (KYC) process, moving closer to the 15 million target necessary for the mainnet launch. 
• Mainnet Migrations: More than 9 million users have migrated to the mainnet, indicating substantial progress towards the Open Network phase. 
Upcoming Developments
The transition to the Open Mainnet will introduce several key features:
• Tradable Pi Coins: Users will have the opportunity to trade Pi coins on major cryptocurrency exchanges, enhancing liquidity and market participation.
• Ecosystem Expansion: Approximately 80 community-developed applications, including Map of Pi, Pi Game, Care for Pi, and 1pi Mall, will become accessible, fostering a diverse and functional ecosystem. 
Conclusion
The anticipated launch of Pi Network’s Open Mainnet in the first quarter of 2025 represents a pivotal advancement in the project’s evolution. With significant progress in KYC verifications and mainnet migrations, the network is on track to achieve its goal of creating a widely accessible and user-friendly cryptocurrency platform.
The Punjab government, under the leadership of Chief Minister Maryam Nawaz Sharif, has introduced the Asaan Karobar Finance Scheme to bolster small and medium enterprises (SMEs) across the province. This initiative aims to stimulate economic growth by providing interest-free loans to aspiring and existing entrepreneurs. 
Loan Details
The scheme offers two tiers of interest-free loans:
• Tier 1: Loans ranging from PKR 1 million to PKR 5 million, with a processing fee of PKR 5,000.
• Tier 2: Loans ranging from PKR 6 million to PKR 30 million, with a processing fee of PKR 10,000.
Both tiers feature a repayment period of up to five years, allowing businesses ample time to establish and grow. 
Eligibility Criteria
To qualify for the Asaan Karobar Finance Scheme, applicants must:
• Be between 21 and 57 years of age.
• Possess a valid Computerized National Identity Card (CNIC) and a registered mobile number.
• Own or plan to establish a business within Punjab.
• Be a registered taxpayer with the Federal Board of Revenue (FBR) and have a clean credit history.
• Provide necessary documentation related to business operations and residential status.
Application Process
Interested individuals can apply by following these steps:
1. Online Registration: Visit the official portal at akf.punjab.gov.pk and create an account using your CNIC-linked mobile number.
2. Application Form: Complete the detailed application form, ensuring all information is accurate.
3. Processing Fee: Pay the non-refundable processing fee corresponding to your desired loan tier.
4. Document Submission: Upload scanned copies of required documents, including CNIC, tax records, business financials, and property documents.
5. Submission: Finalize and submit your application through the portal.
Applicants will receive a registration number and SMS updates regarding their application’s status. 
Additional Information
• Grace Period: Startups may receive a grace period of up to six months, while existing businesses are eligible for up to three months.
• Repayment: Loans are to be repaid in equal monthly installments. Late payments will incur a charge of PKR 1 per 1,000 rupees per day.
• Utilization: Funds can be used for vendor payments, utility bills, and government fees. Cash withdrawals are limited to 25% of the loan amount.
Application Deadline
While the scheme is currently open for applications, prospective applicants are encouraged to apply promptly, as funds are limited and subject to availability.
Contact Information
For further details or assistance:
• Website: akf.punjab.gov.pk
• Helpline: Call 1786 for inquiries.
The Asaan Karobar Finance Scheme represents a significant opportunity for entrepreneurs in Punjab to access interest-free financing, fostering innovation and economic development across the province.
Starlink’s Progress in Pakistan: Navigating Regulatory and Diplomatic Challenges
As of January 23, 2025, Starlink, the satellite internet venture by Elon Musk’s SpaceX, is making strides toward establishing its services in Pakistan. The company has successfully registered with the Securities and Exchange Commission of Pakistan (SECP), marking a significant step toward offering satellite-based internet services in the country. 
Regulatory Landscape
Despite its registration, Starlink must secure a license from the Pakistan Telecommunication Authority (PTA) to commence operations. The PTA has clarified that it cannot issue this license without explicit government clearance. The licensing process involves multiple steps, including security clearances from relevant authorities. The newly established Pakistan Authority for Space and Regulatory Bodies (PASRB) is currently reviewing Starlink’s application, with the final decision pending.  
Diplomatic Considerations
Recent developments have introduced diplomatic nuances to Starlink’s entry into Pakistan. Elon Musk’s endorsement of an anti-Pakistan narrative on social media has raised concerns among Pakistani officials. During a Senate Standing Committee on Information Technology meeting, Senator Palwasha Khan criticized Musk for aligning with India’s stance against Pakistan. Senator Afnan Ullah Khan suggested that Starlink’s licensing should be contingent upon a public apology from Musk for his remarks. 
Public Engagement and Clarifications
In response to public inquiries, IT and Telecom Minister Shaza Fatima Khawaja confirmed that Starlink is registered in Pakistan and that the licensing process is underway. Elon Musk also acknowledged on social media that the company is awaiting government approval to launch its services. 
Consumer Advisory
The PTA has issued advisories cautioning potential users against pre-ordering Starlink services or equipment, as the company has not yet been granted a license to operate in Pakistan. Consumers are advised to wait for official announcements to avoid potential fraud or financial loss. 
Conclusion
While Starlink’s registration in Pakistan is a promising development for enhancing internet connectivity, the company must navigate the complex regulatory framework and address diplomatic concerns to commence operations. The outcome of the licensing process will significantly impact the future of satellite-based internet services in Pakistan.
For a more in-depth understanding of the regulatory discussions surrounding Starlink’s entry into Pakistan, you may find the following video informative:
To help reduce smog, there are both personal actions you can take and broader solutions that communities and governments can implement:
Reduce Vehicle Emissions
• Use Public Transport: Buses, trains, and carpooling reduce the number of vehicles on the road, lowering emissions.
• Switch to Electric Vehicles: Electric or hybrid cars produce fewer emissions than traditional gasoline-powered vehicles.
• Avoid Idling: Turn off your engine when parked or waiting, as idling produces unnecessary pollutants.
• Maintain Your Vehicle: Regular maintenance, including checking the catalytic converter, can reduce emissions.
Limit Industrial Emissions
• Implement Stricter Regulations: Governments can enforce emissions standards and require industries to use cleaner technologies.
• Use Cleaner Energy: Industries can transition to cleaner energy sources like solar, wind, or natural gas instead of coal.
• Install Pollution Control Devices: Technologies such as scrubbers and electrostatic precipitators can help reduce sulfur dioxide and particulate emissions.
Promote Energy Efficiency
• Use Energy-Efficient Appliances: Energy-efficient lighting, heating, and cooling systems reduce overall energy consumption and decrease the pollutants associated with power generation.
• Increase Insulation in Buildings: Proper insulation reduces the need for heating and cooling, which can lower emissions from power plants.
Reduce Open Burning
• Ban or Limit Open Burning: This includes agricultural burning and the burning of waste, which contribute significantly to smog in many areas.
• Promote Alternatives for Waste Disposal: Recycling and composting reduce the need to burn waste and decrease pollutants released into the atmosphere.
Encourage Afforestation and Urban Green Spaces
• Plant More Trees: Trees naturally absorb pollutants and produce oxygen, improving air quality.
• Create Green Spaces in Cities: Parks and green belts help filter air and can act as barriers to pollutants.
Raise Public Awareness
• Education Campaigns: Teaching people about the health risks of smog and ways to reduce pollution can lead to more responsible behaviors.
• Support Smog Alerts: Encourage the public to stay indoors or limit outdoor activities on high-smog days to protect health.
Government and Policy Actions
• Introduce Emission Limits: Establish limits on pollutants for factories, vehicles, and power plants.
• Implement Congestion Zones: In high-traffic areas, cities can impose fees for driving to reduce car use.
• Promote Renewable Energy: Investment in solar, wind, and other renewable energy sources reduces dependence on fossil fuels.
By adopting some of these measures, individuals and communities can help reduce smog and improve air quality over time.
The Pearson Test of English (PTE) is a popular, computer-based English language test recognized by universities, employers, and governments worldwide. Its paper certificate, a critical document, verifies your English proficiency. This step-by-step guide will help you understand how to register, prepare, take the test, and ultimately obtain your PTE certificate.
Step 1: Understanding PTE Test Types
There are three main types of PTE tests:
PTE Academic: Used for university admissions and visa purposes.
PTE General: Ideal for those seeking employment or further study in English-speaking countries.
PTE Young Learners: Designed for children and young learners to assess foundational English skills.
Determine which test aligns with your goals before proceeding with registration.
Step 2: Registering for the PTE Test
Create a Pearson Account: Visit the PTE website and register an account by providing your full name (as it appears on your ID), date of birth, and contact information.
Choose Your Test Center and Date: Use the scheduling tool to select a convenient test center and date.
Pay the Test Fee: The cost of the PTE Academic test is around $200, though fees may vary by country and test type.
Receive Confirmation: Once you complete the payment, Pearson will send you a confirmation email with your test details and what to bring on the test day.
Step 3: Preparing for the PTE Test
Preparation is crucial to achieve a good score. Here’s how to prepare effectively:
Understand the Test Format: The PTE Academic test is divided into three parts:
• Speaking and Writing (77-93 minutes)
• Reading (32-40 minutes)
• Listening (45-57 minutes)
Use Official Study Materials: Pearson offers official resources such as the PTE Academic Official Guide, online practice tests, and other preparation packages.
Take Mock Tests: Online mock tests simulate the actual test environment, giving you a feel for the timing, structure, and question types.
Practice Time Management: The test is time-bound, so practice answering questions quickly and accurately to make the most of the allotted time.
Step 4: Taking the PTE Test
On test day:
Arrive Early: Arrive at least 30 minutes before the scheduled time. You’ll go through security checks, including biometric scanning and a photograph.
Bring Identification: Only bring an ID as per Pearson’s requirements (typically a passport). Ensure it matches the ID used during registration.
Follow Test Protocols: Follow the instructions carefully. You’ll take the test on a computer and wear noise-canceling headphones.
Answering Questions: Each section has unique question types. Focus on clear speech in the Speaking section, structured responses in Writing, skimming for details in Reading, and active listening for the Listening part.
Step 5: Accessing Your PTE Scores
Receive Scores Online: PTE scores are available online typically within 48 hours after the test.
Check Scores in Each Section: PTE scoring includes communicative skills (listening, reading, speaking, and writing) and enabling skills (grammar, oral fluency, pronunciation, spelling, vocabulary, and written discourse).
Download Your Score Report: Log in to your Pearson account to access and download the score report as a PDF.
Step 6: Requesting a PTE Certificate (Paper Format)
Though PTE scores are digital by default, some institutions may require a paper certificate. If you need one:
Contact Pearson Support: Reach out to Pearson’s customer support team via the PTE website. Specify that you need a paper certificate.
Provide Required Information: Confirm your full name, test date, test center, and reason for requesting a paper certificate.
Wait for Delivery: The paper certificate will be mailed to your provided address. Delivery time varies depending on location, so request well in advance if you have an upcoming deadline.
Step 7: Sending PTE Scores to Institutions
Use Pearson’s Score Report Service: You can directly send scores to universities, employers, or immigration authorities through your Pearson account.
Follow Institution-Specific Guidelines: Some institutions may have specific requirements for score submissions. Always verify the guidelines on their websites.
Step 8: Verifying Your PTE Certificate
Some institutions may need to verify your PTE certificate. Pearson provides an online verification service:
Visit Pearson’s Official Website: Go to the verification section.
Input Certificate Details: Provide your certificate number and other requested information to confirm authenticity.
Tips for Maintaining Your PTE Certificate Validity
Know the Validity Period: PTE Academic results are typically valid for two years.
Plan Re-Takes if Necessary: If your certificate expires or you need a higher score, you can retake the PTE test.
Conclusion
Obtaining a PTE paper certificate involves several steps, from registration to preparation, test-taking, and receiving your results. Following this step-by-step guide will help you manage the process effectively, ensuring you meet the requirements for your academic or professional goals. With the certificate in hand, you can confidently pursue opportunities in English-speaking environments worldwide.
Punjab Asaan Karobar Finance Scheme: Empowering Entrepreneurs with Interest-Free Loans
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The Punjab government, under the leadership of Chief Minister Maryam Nawaz Sharif, has introduced the Asaan Karobar Finance Scheme to bolster small and medium enterprises (SMEs) across the province. This initiative aims to stimulate economic growth by providing interest-free loans to aspiring and existing entrepreneurs. 
Loan Details
The scheme offers two tiers of interest-free loans:
• Tier 1: Loans ranging from PKR 1 million to PKR 5 million, with a processing fee of PKR 5,000.
• Tier 2: Loans ranging from PKR 6 million to PKR 30 million, with a processing fee of PKR 10,000.Both tiers feature a repayment period of up to five years, allowing businesses ample time to establish and grow. 
Eligibility Criteria
To qualify for the Asaan Karobar Finance Scheme, applicants must:
• Be between 21 and 57 years of age.
• Possess a valid Computerized National Identity Card (CNIC) and a registered mobile number.
• Own or plan to establish a business within Punjab.
• Be a registered taxpayer with the Federal Board of Revenue (FBR) and have a clean credit history.
• Provide necessary documentation related to business operations and residential status.Application Process
Interested individuals can apply by following these steps:
1. Online Registration: Visit the official portal at akf.punjab.gov.pk and create an account using your CNIC-linked mobile number.
2. Application Form: Complete the detailed application form, ensuring all information is accurate.
3. Processing Fee: Pay the non-refundable processing fee corresponding to your desired loan tier.
4. Document Submission: Upload scanned copies of required documents, including CNIC, tax records, business financials, and property documents.
5. Submission: Finalize and submit your application through the portal.Applicants will receive a registration number and SMS updates regarding their application’s status. 
Additional Information
• Grace Period: Startups may receive a grace period of up to six months, while existing businesses are eligible for up to three months.
• Repayment: Loans are to be repaid in equal monthly installments. Late payments will incur a charge of PKR 1 per 1,000 rupees per day.
• Utilization: Funds can be used for vendor payments, utility bills, and government fees. Cash withdrawals are limited to 25% of the loan amount.Application Deadline
While the scheme is currently open for applications, prospective applicants are encouraged to apply promptly, as funds are limited and subject to availability.
Contact Information
For further details or assistance:
• Website: akf.punjab.gov.pk
• Helpline: Call 1786 for inquiries.The Asaan Karobar Finance Scheme represents a significant opportunity for entrepreneurs in Punjab to access interest-free financing, fostering innovation and economic development across the province.
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