The Government of Punjab has launched a fresh wave of financial support for farmers in 2025 under the Kisan Card Scheme. With rising costs of agricultural inputs and economic pressures, the new installment of the Kisan Card payments is designed to ease the burden on small- and medium-scale farmers across the province. The initiative includes direct subsidies, interest-free loans, and expanded credit limits, all of which are aimed at modernizing agriculture and ensuring food security.
Introduction to the Kisan Card Scheme
The Kisan Card is a smart agricultural initiative by the Punjab government that enables farmers to access financial services, subsidies, and technical assistance through a single digital platform. Since its launch, thousands of farmers have benefited from the scheme by receiving timely aid for seed, fertilisers, diesel, and crop production.
In 2025, the scheme will enter its second phase, with several new features and payment updates to help farmers during the Kharif season.
Key Features of the New Payment Scheme 2025
1. Direct Subsidy on Wheat Cultivation
In a bold move to support wheat production, the government has announced a PKR 5,000 per acre subsidy for wheat farmers. This subsidy is available to all eligible farmers, including those without a Kisan Card. Over 600,000 farmers are expected to benefit from this wheat support package, which will help cover input costs like seed and fertilisers.
The disbursement process for the second installment has already begun, with more than half of the applications successfully verified and cleared for payment. This financial support will significantly reduce the cost of wheat production and improve yields.
2. Interest-Free Loans for Kharif Season
One of the most attractive aspects of the Kisan Card Scheme 2025 is the provision of interest-free loans. Small farmers, who often rely on informal lenders charging high interest, are the target audience for these loans. Under the updated scheme, the Punjab government has allocated PKR 75 billion to distribute as agriculture loans during the Kharif season.
Farmers are eligible to receive:
- Farmers can receive 30% of the loan in cash to manage their operational expenses.
- 25% of the loan is a diesel subsidy, which can be used for tractors and irrigation equipment.
Additionally, farmers who timely repay their loans receive bonus support in the form of an additional PKR 5,000 per acre subsidy.
3. Enhanced Credit Limits
In line with the federal budget for 2025, the Kisan Credit Card limit has been raised from PKR 300,000 to PKR 500,000. This adjustment allows farmers greater flexibility to invest in advanced machinery, high-quality seeds, and irrigation systems, ultimately boosting agricultural productivity.
This increase reflects the government’s long-term goal of digital financial inclusion and better access to institutional credit for rural farmers.
Application and Disbursement Process
Farmers can apply for the Kisan Card online via the Punjab Government Agriculture Portal. The application process includes:
- The application process involves registering with a valid CNIC.
- The application process also requires the submission of land ownership details, such as a verified tenancy record.
- You can undergo biometric verification at the closestagriculture facilitation center.
Once registered, farmers receive a digital Kisan Card that can be used at designated banks, POS machines, and retailers to receive payments, apply for loans, or buy inputs.
Extended Repayment Deadline
To support farmers facing financial challenges, the government has extended the loan repayment deadline. Originally due between April 15 and May 15, the final date has been pushed to May 30, 2025. This extension will help thousands of farmers avoid penalties and retain their eligibility for future benefits.
Government’s Vision and Future Plans
The Kisan Card initiative is more than just a subsidy or loan program. It’s part of a broader digital transformation strategy aimed at:
- The initiative aims to reduce the influence of middlemen.
- Ensuring transparency in payments.
- This initiative aims to enhance food security in Pakistan.
- The provision of real-time data is crucial for crop management and disaster response.
The Punjab government has also promised that by the end of 2025, all subsidies and agricultural benefits will be delivered exclusively through digital channels to reduce corruption and delays.
Final Words
The Kisan Card New Payment Scheme 2025 is a step in the right direction for Pakistani agriculture. With substantial financial backing, digital transparency, and farmer-centric policies, the program empowers rural communities and contributes to national food production.
Farmers are encouraged to register immediately, repay existing loans on time, and use their Kisan Cards to claim the latest benefits. With continued government support, the agricultural sector in Punjab is on a path to greater prosperity and sustainability.
For More Information Click Here