Living with a disability in Pakistan often comes with additional financial and social challenges. Recognizing these hardships, the Punjab Government has introduced the Himmat Card Program 2025, a special initiative that provides Rs. 10,500 in quarterly financial assistance to eligible persons with disabilities (PWDs).
This program is more than just financial aid; it is a gateway to empowerment, helping individuals access healthcare, mobility, and education while reducing dependency on others. With transparent disbursement through biometric ATM cards, the Himmat Card ensures dignity and equal opportunities for thousands of beneficiaries.
This article provides a complete roadmap to understanding and applying for the Himmat Card Program — including eligibility, required documents, registration process, payment details, benefits, FAQs, and practical tips.
Why the Himmat Card Program Matters
For persons with disabilities, everyday life can involve higher expenses such as:
- Medical treatments
- Assistive devices like wheelchairs or hearing aids
- Transportation difficulties
- Limited job opportunities
The Himmat Card addresses these barriers by offering direct cash transfers and additional support services. Unlike one-time grants, this program ensures consistent quarterly assistance, enabling families to plan and sustain a better quality of life.
Key Features of the Himmat Card Program
Here’s an overview of what the program offers in 2025:
- Quarterly Stipend: Rs. 10,500 every three months
- Target Beneficiaries: Over 65,000 disabled persons across Punjab (phased rollout)
- Disbursement Mode: Biometric-enabled ATM/debit card through partner banks
- Supervising Authority: Punjab Social Welfare & Bait-ul-Mal Department
- Extra Benefits: Free healthcare, assistive devices, transport concessions, and skill development
Eligibility Criteria for Applicants Himmat Card Program
The government has set clear eligibility rules to ensure the aid reaches deserving individuals:
- Permanent Resident of Punjab – Applicants must belong to Punjab province.
- Certified Disability – A valid disability certificate from a recognized medical board is mandatory.
- Financial Need – Applicants should fall below the defined poverty threshold or household income test.
- Unique Beneficiary – Those already receiving significant government stipends may not qualify.
- Identity Documents – Possession of a valid CNIC or B-Form (for minors).
Documents Required for Registration Himmat Card Program
Before applying, ensure you have the following:
- Original & photocopy of CNIC / B-Form
- Disability certificate from an authorized board
- Proof of residence (utility bill, domicile, or tenancy papers)
- Household income certificate or affidavit
- Passport-sized photographs
- Active mobile number (for SMS alerts and payment updates)
Step-by-Step Registration Process for Himmat Card Program
Step 1: Visit the Social Welfare Office
Go to your nearest Social Welfare or Bait-ul-Mal office in Punjab to start the application process.
Step 2: Collect and Fill the Application Form
Obtain the Himmat Card form and carefully fill in details such as CNIC number, disability certificate, income details, and contact information.
Step 3: Submit Required Documents
Attach all required photocopies and show original documents for verification.
Step 4: Verification & Assessment
Officials will conduct a means test and verify the disability certificate. This step ensures transparency and eligibility confirmation.
Step 5: Card Issuance
If approved, you’ll receive an ATM card from a partner bank. You may be required to complete biometric verification or PIN setup.
Step 6: Payment Notification & Withdrawal
Once the stipend is credited, you’ll receive an SMS alert. You can withdraw the money via ATM or from designated bank branches.
Payment Schedule and Withdrawal Process
- Installment Amount: Rs. 10,500
- Frequency: Every 3 months (quarterly)
- Withdrawal Method: ATM card with biometric verification or direct collection from bank counters
- Notification: SMS alerts sent to the registered mobile number
Security Tip: Always keep your PIN confidential and never share card details with anyone.
Benefits of the Himmat Card Program Beyond Cash Aid
The Himmat Card is designed not only for financial relief but also for inclusive social support.
1. Healthcare Support
- Free medical checkups at government hospitals
- Subsidized medicines and treatments
- Priority access to healthcare services
2. Assistive Devices
- Distribution of wheelchairs, crutches, white canes, and hearing aids
- Support for mobility and rehabilitation
3. Transport Concessions
- Discounts on public transport fares
- Reserved seating for disabled persons
4. Educational Support
- Scholarships and fee waivers for disabled students
- Special learning materials for children with disabilities
5. Skill Development Programs
- Training opportunities for employable skills
- Job placement support for eligible candidates
Common Problems Applicants Face Himmat Card Program (and Solutions)
Problem 1: Application Rejected
- Cause: Missing documents or incorrect information
- Solution: Re-apply with complete and accurate details.
Problem 2: Delay in Card Delivery
- Cause: Administrative backlog
- Solution: Follow up with the district office or helpline.
Problem 3: Payment Not Received
- Cause: Technical error or inactive card
- Solution: Contact partner bank and re-verify biometrics.
Problem 4: Lost or Stolen Card
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Solution: Report immediately to the bank and request card replacement.
Frequently Asked Questions (FAQs)
Q1: How much will I get under the Himmat Card?
A: Each eligible beneficiary receives Rs. 10,500 quarterly.
Q2: Can I apply online?
A: Currently, the main method is through Social Welfare offices, though future phases may include online registration.
Q3: Can a family member withdraw on my behalf?
A: Generally, no. However, in special cases, an authorized representative may withdraw with permission.
Q4: Is this program available across Pakistan?
A: No, it is a Punjab-only initiative. Other provinces may have their own schemes.
Q5: Do I need to renew my registration every year?
A: No, once approved, the stipend continues unless circumstances change.
Success Stories – Real Impact of Himmat Card Program
The Himmat Card has already transformed lives across Punjab:
- Fatima, a visually impaired woman, now covers her medical expenses and travel costs with the stipend.
- Ali, a wheelchair-bound student, used the aid to purchase educational supplies, helping him continue his studies.
- Rashid, from a rural village, bought assistive devices for mobility and now attends vocational training sessions.
These examples highlight how the program enables independence and dignity for thousands of families.
Tips to Ensure Smooth Registration Himmat Card Program
- Keep all documents updated and in good condition.
- Submit photocopies along with originals for verification.
- Use your own SIM card for SMS alerts.
- Retain a copy of your application form and submission receipt.
- Report fraudulent calls or agents claiming to “speed up” your registration.
Conclusion
The Himmat Card Program 2025 is a revolutionary step by the Punjab Government towards empowering persons with disabilities. By offering Rs. 10,500 every quarter along with healthcare, assistive devices, educational support, and transport concessions, the program ensures inclusion and dignity for thousands of citizens.
If you or someone in your family qualifies, don’t delay — visit your nearest Social Welfare office, register today, and secure financial stability through the Himmat Card.
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