Punjab Kissan Card
Interest-free card credit for small farmers to buy fertiliser and seed, run by the Agriculture Department with PITB; the Bank of Punjab issues the cards. Terms are from Cycle 1 (April 2025): check the current round. Background: an earlier Kissan Card was launched in April 2021 (PM Imran Khan); this CM Punjab version was approved in March 2024 and cards were distributed from October 2024.
Independent, unofficial guide — not a government website. Running.
- Department
- Agriculture Department, Punjab
- Fee
- 0% interest to the farmer (markup fully subsidised by the Government of Punjab). Card issuance fee: Rs 1,000 per acre, recovered from the borrower (Bank of Punjab, Cycle 1, updated 15 April 2025). Confirm the current round.
- Helpline
- 0800-17000
Who can apply
- Farmer owning up to 12.5 acres (Bank of Punjab Cycle 1: between 1 and 12.5 acres, subsistence farmers)
- Land record available with the Punjab Land Records Authority (PLRA)
- Mobile SIM registered in the farmer's own name against their CNIC (PMD verified)
- Valid CNIC; age 18 or older, with no maximum age (Bank of Punjab Cycle 1)
- Acceptable credit history under the bank's risk criteria (Bank of Punjab Cycle 1)
How to apply
- Register by SMS: write pkc, a space, then your CNIC number, and send it to 8070 (as published on the Punjab Portal)
- Your registration is verified digitally against PLRA land records, NADRA, PMD and eECIB
- If verified, the Bank of Punjab issues your CM Kissan Card
- Buy fertiliser and seed from authorised, registered dealers; the Agriculture Department publishes the dealer list for each district
- Repay, or return unused funds, within the 6-month card validity plus the 1-month grace period
Documents needed
- CNIC
- Land record held in PLRA
- Mobile SIM registered on own CNIC (PMD verified)
Benefits
Interest-free loans from sowing to harvesting for agricultural inputs only (fertiliser, seed). Up to Rs 150,000 per season, capped at Rs 30,000 per acre (5 acres counted); minimum Rs 30,000. Each card is valid for 6 months, with a 1-month grace period after that for repayment or returning funds. Free SMS notifications for transactions. The first round was for 500,000 farmers on a first-come, first-served basis, with an estimated cost of about Rs 9.5 billion per season (Punjab Portal).
Official source
- Website: agripunjab.gov.pk
- Source: bop.com.pk
Government sourceGovernment sourceVerified 2026-10-11Always confirm fees, eligibility and deadlines with the official department before you apply.
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