CM Punjab Kissan Card
وزیر اعلیٰ پنجاب کسان کارڈ
Registration open Farmers · Checked 29 October 2026
Ongoing programme. In October 2026 Phase 4 loans were being recovered: bill SMS sent 15 Oct and dues payable by 26 Oct 2026, with the next interest-free loan credited within 48 hours of repayment, and lucky-draw prizes (tractors, motorcycles, phones) for farmers who repay on time. On 28 Oct 2026 the CM announced the per-acre limit is rising to Rs 33,500. About 1 million farmers have cards. Related: the CM Punjab Green Tractor Programme Phase II (Agriculture Department) gives a Rs 0.5 million subsidy per 50-65 hp tractor to farmers with 5+ acres, and the Hi-Power Tractor Programme gives Rs 1 million per 75-120 hp tractor to farmers with 7+ acres (apply at gts.punjab.gov.pk).
An interest-free, unsecured crop loan on a Bank of Punjab card that small landowning farmers in Punjab use to buy seed, fertiliser and other farm inputs from registered dealers. The government pays the full markup; the farmer repays the principal after each season and is then eligible for the next season's loan.
Who can apply
- Farmer who owns agricultural land in Punjab, with the land record available with PLRA (Punjab Land Records Authority)
- Land holding of at least 1 acre; Phase 1 limit was up to 12.5 acres, and the Agriculture Department now lists the programme as covering farmers with up to 25 acres
- Valid CNIC; age 18 or above (no upper age limit)
- Mobile SIM registered in the farmer's own name against his/her CNIC (PMD verified)
- Acceptable credit history (eCIB check by Bank of Punjab); previous Kissan Card loan repaid to qualify for the next season
Who cannot apply
- Farmers whose land is not in the PLRA record
- Tenants or lease farmers without ownership (as of Oct 2026 the CM said the government is working to extend the card to them, but this is not yet in effect)
- Land holdings above the programme cap (25 acres in the current programme)
- Farmers using a SIM registered in someone else's name
- Defaulters on a previous Kissan Card loan or with a poor credit record
Documents you need
- Original CNIC
- Mobile SIM registered in your own name
- Land ownership recorded with PLRA (checked online; no separate fard upload mentioned officially)
How to apply
- Send an SMS from your own mobile number: type PKC <space> your CNIC number and send it to 8070.
- Your land is verified against the PLRA record, and your identity, SIM and credit history are checked with NADRA, PMD and eCIB.
- If approved, Bank of Punjab issues your CM Punjab Kissan Card.
- Activate the card and buy fertiliser, seed and other inputs from Agriculture Department registered dealers in your district (lists on agripunjab.gov.pk/kissan-card).
- Repay the loan by the due date in the bill SMS (through Bank of Punjab, inter-bank transfer or Raast). The next season's loan is credited after repayment.
Helpline: Bank of Punjab / Agriculture Department help desks; see agripunjab.gov.pk (no single verified helpline number found)
Apply only on the official portal. Registration is free; never pay an agent or share your CNIC, PIN or OTP with anyone who calls you.
Questions
Is there any interest on the Kissan Card loan?
No. The farmer pays 0% markup. The Government of Punjab pays the full markup to Bank of Punjab. In Phase 1 a card issuance fee of Rs 1,000 per acre was charged.
How much loan can I get per acre?
Phase 1 gave Rs 30,000 per acre, up to 5 acres (maximum Rs 150,000 per season). On 28 Oct 2026 the Chief Minister announced the per-acre limit is rising to Rs 33,500 for the wheat season. Your exact limit is shown by Bank of Punjab when your card is approved.
How do I register?
Send an SMS from a SIM in your own name: PKC <space> CNIC number to 8070. Your PLRA land record, CNIC, SIM and credit history are verified before Bank of Punjab issues the card.
Can a tenant (mazara) or lease farmer apply?
Not yet. Only landowners with a PLRA record are eligible. In October 2026 the Chief Minister said the government is working to extend the card to tenant and lease farmers.
When do I repay, and what happens next?
Each season's loan runs about six months plus a one-month grace period. You get a bill SMS and can pay through Bank of Punjab, inter-bank transfer or Raast. After repayment the next season's loan is credited (within 48 hours in the Oct 2026 cycle).
Can I withdraw cash with the card?
Phase 1 allowed only purchases of inputs from registered dealers. For Phase 2, news reports said 30% of the limit could be taken as cash and 25% as diesel at registered PSO pumps. Check the current split with Bank of Punjab.
Sources: Punjab Government - CM Kissan Card Scheme · Bank of Punjab - CM Punjab Kissan Card (Cycle 1 key features, page updated 15 Apr 2025) · Agriculture Department Punjab - Ongoing projects · Agriculture Department Punjab - Kissan Card page (dealer lists, Phase III winners) · Dawn - Per acre loan limit in Kissan Card phase-II increased (26 Mar 2025) · The Nation - Prizes announced on payment of Kissan Card loan (10 Oct 2026) · Pakistan Today - CM Maryam unveils Apna Kisan Bank (28 Oct 2026). Dareecha is not a government website. Scheme rules change; always confirm on the official portal.
