The CM Punjab Kissan Card Scheme is a major agricultural support initiative launched by the Punjab Agriculture Department in collaboration with the Punjab Information Technology Board (PITB). The program introduces a digital ecosystem that connects multiple government departments, including PLRA, PMD, NADRA, and the Bank of Punjab (BOP), under one integrated system.
Through the CM Punjab Kissan Card, eligible farmers can access interest-free loans from sowing to harvesting. The card allows farmers to purchase essential agricultural inputs such as fertilizers, seeds, and other farming supplies from authorized vendors.
Each Kissan Card remains valid for six months per season and provides a loan of up to PKR 150,000 per farmer, calculated at PKR 30,000 per acre. The scheme is designed for farmers owning 1 to 12.5 acres of land. A one-month grace period is provided after the loan tenure for repayment, ensuring financial flexibility.
This initiative aims to improve crop productivity, enhance farm income, and promote financial inclusion across Punjab’s agricultural sector.
What is the CM Punjab Kissan Card Scheme
- Provide interest-free seasonal loans to farmers
- Ensure easy access to agricultural inputs
- Digitize farmer registration and verification
- Improve crop yield and agricultural productivity
- Promote financial inclusion in rural Punjab
Read More: Apni Zameen Apna Ghar Program Online Registration 2026
Features of the Kissan Card
- Interest-free loan facility
- Maximum loan: PKR 150,000 per season
- Loan limit: PKR 30,000 per acre
- Valid for 6 months per season
- One-month grace period for repayment
- Free SMS alerts for transaction updates
- Digital verification through multiple government databases
Eligibility Criteria for Kissan Card Scheme
Farmers must meet the following conditions:
- Landholding of up to 12.5 acres
- Must have a mobile SIM registered against their own CNIC (PMD verified)
- Must own agricultural land with records available in the Punjab Land Record Authority (PLRA)
- Must pass digital verification through NADRA, PMD, and eECIB
Loan & Beneficiary Details
- Initially, the scheme will provide loans to 500,000 farmers
- Applications will be processed on a first-come, first-served basis
- Loan amount can only be used for agricultural inputs (fertilizer, seed, etc.)
- Estimated project cost: PKR 9.5 billion per season
Digital Verification & Card Issuance
The application and verification process is fully digitized:
- Farmer registers online via SMS
- Data is verified through the PITB system
- Land ownership verified via PLRA
- Identity verification through NADRA & PMD
- Credit history checked via eECIB
- Approved applicants receive the CM Punjab Kissan Card from the Bank of Punjab
This digital process ensures transparency, quick approvals, and secure loan distribution.
How to Apply for CM Punjab Kissan Card
Farmers can register via SMS:
Send:
PKC <space> CNIC Number
to 8070
Example:
PKC 35201XXXXXXXXX
After SMS registration, the applicant will receive further instructions for verification.
Official Information
For official updates, visit the Punjab Agriculture Department website or contact relevant authorities for guidance.
