Overview of CM Punjab Kissan Card
The CM Punjab Kissan Card Scheme 2025 is a revolutionary initiative by the Punjab Agriculture Department in collaboration with the Punjab Information Technology Board (PITB). This program is designed to digitally empower farmers, simplify access to agricultural inputs, and provide interest-free loans for small landholders.
The scheme integrates multiple government departments including PLRA (Punjab Land Record Authority), PMD (Pakistan Mobile Database), NADRA, and Bank of Punjab (BOP) under one framework. Through this digital ecosystem, farmers can easily access fertilizers, seeds, and other agricultural inputs from authorized vendors.
Each farmer receives a Punjab Kissan Card which is valid for six months. The card offers loans of up to Rs. 1.5 lakh per season, capped at Rs. 30,000 per acre. The scheme mainly targets farmers with landholdings between 1 to 12.5 acres. With an estimated budget of Rs. 9.5 billion per season, this program is expected to significantly boost crop yields, enhance productivity, and improve financial inclusion for rural communities.
Farmers will also receive free SMS notifications regarding transactions, ensuring transparency. Additionally, a one-month grace period is provided after six months for repayment, making it farmer-friendly and flexible.
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Eligibility Criteria for CM Punjab Kissan Card
To apply for the Punjab Kissan Card 2025, farmers must meet the following requirements:
- Farmers must own up to 12.5 acres of land.
- A mobile SIM registered against their CNIC (verified by PMD) is mandatory.
- The farmer’s land record must be available in PLRA (Punjab Land Record Authority).
- Only verified landowners will be entitled to the interest-free loan.
Major Components of the Punjab Kissan Card Scheme
The CM Punjab Kissan Card Program includes several key features to support farmers:
- Online Farmer Registration – Farmers can register through a simple digital process.
- Digital Verification – Land ownership is verified through integration between PITB and PLRA records.
- Cross-Verification – Data is checked with NADRA, PMD, and eECIB before approval.
- Issuance of Kissan Card – After verification, the Bank of Punjab (BOP) issues the CM Kissan Card.
- Loan Distribution – Initially, loans will be provided to 500,000 farmers on a first-come, first-served basis.
- Loan Limit – Maximum Rs. 150,000 per farmer per season (at Rs. 30,000 per acre).
- Usage Restriction – Loan amount can only be used for agricultural inputs like seeds, fertilizers, and pesticides.
Loan Details Under Kissan Card Scheme
| Criteria | Details |
|---|---|
| Maximum Loan per Season | Rs. 150,000 |
| Loan Limit per Acre | Rs. 30,000 |
| Eligible Land Size | 1 – 12.5 acres |
| Total Farmers in First Phase | 500,000 |
| Repayment Period | 6 months + 1-month grace period |
| Loan Purpose | Only for fertilizers, seeds, and farm inputs |
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How to Apply for CM Punjab Kissan Card Scheme 2025
The registration process for the Punjab Kissan Card is very simple and can be done via SMS:
Step-by-Step Process:
- Open the SMS app on your phone.
- Type PKC<space>Your CNIC Number.
- Send it to 8070.
- You will receive a confirmation message about your eligibility and registration.
Once verified, your Kissan Card will be issued through the Bank of Punjab (BOP).
Benefits of the CM Punjab Kissan Card
The CM Punjab Kissan Card 2025 brings multiple advantages for small farmers:
- Interest-free loans up to Rs. 1.5 lakh per season.
- Easy access to fertilizers and seeds through authorized dealers.
- Transparency through SMS notifications on transactions.
- Boost in crop yield and productivity due to timely agricultural inputs.
- Financial inclusion for small farmers, reducing dependency on informal loans.
- Digital empowerment through online registration and verification.
Official Links for More Details
Final Words
The CM Punjab Kissan Card Scheme 2025 is a game-changer for farmers in Punjab. By offering interest-free loans, digital transparency, and access to essential farm inputs, the program aims to uplift small farmers, increase agricultural productivity, and strengthen Pakistan’s economy.
With the integration of PLRA, PITB, NADRA, and BOP, this initiative ensures transparency and efficiency. If you are a farmer with landholding between 1 to 12.5 acres, you should register today by sending an SMS to 8070 and benefit from the scheme.
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