Agriculture is the backbone of Pakistan’s economy, and farmers are its true heroes. To empower these heroes and uplift the rural economy, the Government of Punjab has introduced the CM Kisan Card Program 2025—a groundbreaking initiative that offers interest-free loans, digital financial access, and direct subsidies to registered farmers.
Under this scheme, thousands of small and medium-sized farmers across Punjab can receive financial assistance to purchase fertilizers, seeds, pesticides, and other essential inputs. The entire process is transparent, quick, and fully digital — making it easier for farmers to get support without the hassle of paperwork or middlemen.
This guide covers everything you need to know about the Kisan Card — its benefits, eligibility criteria, registration process, and how to apply successfully.
What Is the Kisan Card Program?
The Kisan Card Program (also known as the CM Punjab Kissan Card) is a smart agriculture initiative by the Chief Minister of Punjab in partnership with the Bank of Punjab (BOP), Punjab Information Technology Board (PITB), and Punjab Land Records Authority (PLRA).
The purpose of the Kisan Card is to:
- Provide interest-free agricultural loans directly to farmers.
- Deliver government subsidies for fertilizers and seeds without delay.
- Reduce exploitation by moneylenders.
- Build a digital system to track loans and repayments transparently.
Each cardholder is verified through the land record and identity system, ensuring that only genuine and deserving farmers receive support. The government plans to issue more than 500,000 Kisan Cards across Punjab in 2025.
Key Objectives of the CM Kisan Card Scheme
The Punjab government’s vision for the Kisan Card goes beyond just loans. It aims to transform the agriculture sector through transparency, digitalization, and equal opportunities.
Here are the main goals of the initiative:
- Financial Inclusion for Farmers
Bringing small farmers into the formal banking system by providing them access to digital credit and subsidies. - Reducing the Debt Burden
Providing interest-free loans to prevent farmers from relying on informal, high-interest loans. - Enhancing Agricultural Productivity
Ensuring timely access to quality seeds, fertilizers, and pesticides directly improves crop yield. - Promoting E-Governance
Using technology to monitor every step of the process — from application to loan disbursement and repayment. - Rural Economic Growth
Strengthening the rural economy by empowering farmers and creating job opportunities in the agricultural supply chain.
Key Features of the Kisan Card Program
- Interest-Free Loans: Up to Rs. 150,000 per crop season.
- Fast Digital Approval: Verification through PLRA, NADRA, and PITB systems.
- Biometric Security: Fingerprint verification ensures only real farmers benefit.
- Online Tracking: Farmers can check status and eligibility through SMS.
- Subsidy Support: Direct subsidy on fertilizers, seeds, and other inputs.
- Renewable Credit System: Once repaid, the farmer becomes automatically eligible for the next cycle.
Eligibility Criteria for Kisan Card 2025
Before applying, make sure you fulfill the following eligibility requirements:
| Criteria | Details |
|---|---|
| Citizenship | Applicant must be a Pakistani citizen and a resident of Punjab province. |
| Land Ownership | Should own between 1 acre and 12.5 acres of agricultural land. |
| Land Record Registration | Land must be registered with the Punjab Land Records Authority (PLRA). |
| CNIC Requirement | A valid Computerized National Identity Card (CNIC) is mandatory. |
| Mobile Number | SIM must be registered on the applicant’s CNIC. |
| Age Requirement | The minimum age limit is 18 years. |
| Financial History | Applicant must not be a loan defaulter. |
If you meet all these requirements, you are eligible to apply for the CM Kisan Card.
Major Benefits of the CM Kisan Card Program
The CM Kisan Card is more than just a loan — it’s a comprehensive package designed to help farmers grow financially, improve crop productivity, and embrace modern farming practices.
Let’s explore its main benefits:
1. Interest-Free Agricultural Loans
Eligible farmers can receive interest-free loans up to Rs. 150,000 for each crop season. The repayment period is 6 months, with an optional 1-month grace period. Timely repayment ensures eligibility for future cycles.
2. Government Subsidies
Cardholders get instant access to government subsidies on seeds, fertilizers, and pesticides — directly through the Kisan Card.
3. Digital and Transparent Process
The entire process is fully digital. Farmers can register, verify, and access funds without dealing with paperwork or agents. Transparency ensures zero corruption.
4. Improved Crop Yields
By purchasing quality agricultural inputs on time, farmers can boost their crop production and income.
5. Secure Transactions
Every transaction made through the card is traceable and linked to the farmer’s CNIC and land record — ensuring complete data protection and accountability.
6. Financial Growth Opportunities
By building a positive repayment record, farmers can later access larger financing and participate in future government projects.
How to Apply – Step-by-Step Registration Process
Here’s the complete step-by-step method to apply for the CM Kisan Card in Punjab.
Step 1: SMS Registration
- Open your phone’s message box.
- Type: PKC [space] CNIC Number
Example:PKC 3520212345678 - Send it to 8070.
You’ll receive a reply confirming whether your land is registered and your CNIC is valid for the scheme.
Step 2: Verification Process
After you send your SMS, your data is automatically verified through:
- PLRA – to confirm your land ownership
- NADRA – to verify your identity
- Telecom Database – to confirm mobile registration
- Bank Credit System – to check for defaults
Once verified, you’ll receive an SMS confirming eligibility.
Step 3: Visit the Nearest Bank of Punjab Branch
After approval, visit your nearest Bank of Punjab (BOP) branch or the local Agriculture Department office with these documents:
- Original CNIC
- Photocopy of CNIC
- Fard/land ownership papers
- Passport-size photo
- Registered mobile SIM
You’ll undergo biometric verification before final approval.
Step 4: Card Issuance
After successful verification, your Kisan Card will be issued through the Bank of Punjab. You’ll receive a confirmation message when it’s ready for collection.
Step 5: Using the Kisan Card
Once you receive your Kisan Card, you can use it to:
- Purchase seeds, fertilizers, and pesticides from authorized dealers.
- Pay directly using the card balance.
- Repay the loan within six months through the bank.
After repayment, the loan limit resets for the next crop season — creating a revolving credit system.
Example: How the Kisan Card Loan Works
Let’s understand through an example:
Farmer Ahmed owns 8 acres of land and gets approved for a Rs. 120,000 interest-free loan.
- Ahmed uses Rs. 100,000 to buy high-quality seeds and fertilizer.
- After harvest, he repays the full amount.
- His repayment history is updated digitally.
- He automatically qualifies for the next season’s loan.
This system ensures continuous support, encouraging farmers to stay within the formal banking framework.
Kisan Card Loan Repayment & Renewal
The Kisan Card loan must be repaid within 6 months from the date of disbursement. If repayment is delayed, the farmer may lose eligibility for future cycles.
However, timely repayment brings many benefits:
- Increased credit limit for next season.
- Continued access to subsidies.
- A positive credit record in the banking system.
- Farmers are encouraged to repay on time to keep the revolving credit active.
Economic Impact of the Kisan Card Program
Since the launch of the CM Kisan Card scheme, Punjab’s agriculture sector has witnessed noticeable progress:
- Financial Inclusion: Thousands of small farmers have entered the formal banking system.
- Subsidy Transparency: Direct digital subsidies ensure funds reach real farmers.
- Productivity Growth: Better access to quality inputs has boosted yields.
- Reduced Exploitation: Farmers no longer depend on private lenders or middlemen.
- Digital Transformation: Integration of PLRA, NADRA, and PITB has made the process smooth and transparent.
The scheme has laid the foundation for a modern, technology-driven agricultural economy in Punjab.
Kisan Card Contact & Support Information
If you face any issues during registration or card issuance, you can contact:
- Punjab Agriculture Department Helpline: 0800-02345
- Bank of Punjab Helpline: 111-267-200
- SMS Inquiry: 8070
You can also visit:
Future Expansion Plans
The Punjab government aims to expand the Kisan Card scheme to every district and eventually integrate it with the Benazir Income Support Program (BISP) and Ehsaas Program for maximum reach.
Future updates may include:
- Mobile App Access for farmers to check balances and loan details.
- Crop Insurance Integration for natural disaster coverage.
- Increased Credit Limits based on repayment performance.
These developments will create a digital agricultural ecosystem across Pakistan.
Final Words
The CM Kisan Card Program 2025 is more than a loan facility — it’s a movement toward financial empowerment, digital agriculture, and a brighter future for Pakistani farmers.
By connecting farmers directly with banks and government systems, this program ensures fair access, transparency, and long-term economic stability.
If you’re a farmer in Punjab, don’t wait —
Send your CNIC to 8070 today and become part of the Kisan Card initiative.
This simple step could transform your agricultural journey forever.