CM Punjab Kisan Card 2025 – Interest-Free Loans & Subsidy Access for Farmers
The CM Punjab Kisan Card is a groundbreaking initiative launched under the leadership of Chief Minister Maryam Nawaz to empower farmers across Punjab by offering interest-free agricultural loans, digital access to subsidized inputs, and a transparent financial support system. With over PKR 75 billion allocated for the Kharif 2025 season, the program is now entering its Phase 2, offering increased loan limits, broader eligibility, and a seamless digital application process. This bold step aims to enhance agricultural productivity, reduce dependency on informal lenders, and bring rural farmers into the digital financial ecosystem.
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What Is the CM Kisan Card and How Does It Work?
The CM Punjab Kisan Card is a government-issued smart card linked to the farmer’s CNIC, land ownership, and bank account, enabling direct disbursement of loans and subsidies.
Key Features:
- Interest-free loans up to PKR 300,000 per season
- Linked with NADRA, PLRA, PITB, and Bank of Punjab
- Farmers can use the loan to buy fertilizers, certified seeds, pesticides, and diesel
- Real-time digital verification and tracking
- Mandatory for all future government agriculture schemes
Also Read: NADRA Imposes New CNIC and B Form Rules — All You Need to Know
Major Updates in 2025
Increased Loan Limit & Expanded Eligibility
| Feature | Old Limit | New 2025 Update |
|---|---|---|
| Loan Limit | PKR 150,000 | PKR 300,000 |
| Eligible Land Ownership | Up to 12.5 acres | Up to 25 acres |
| Beneficiaries Covered | 500,000 farmers | 750,000 farmers |
| Budget for Kharif Season | PKR 55 billion | PKR 75 billion |
The loan structure is now more flexible:
- 30% cash for labor or emergencies
- 20% for diesel (registered PSO pumps)
- 50% for inputs like fertilizer, seeds, and sprays
Program Objectives
- Enhance agricultural productivity during the Kharif season
- Provide financial relief to small and medium-scale farmers
- Ensure fair and fast access to subsidies
- Promote the use of digital systems in rural finance
- Reduce exploitation by middlemen and private lenders
Also Read: Gold Price in Pakistan 2025 – Latest Trends and Full Breakdown
Eligibility Criteria
To qualify for the CM Kisan Card, a farmer must:
- Own 1 to 25 acres of land
- Have land digitally recorded in PLRA
- Use a SIM registered against their CNIC (verified by PMD)
- Not have any pending dues under Phase 1
How to Apply for CM Punjab Kisan Card
Step-by-Step Registration Process
- Write pkc<space>CNIC Number
- Send SMS to 8070
- System verifies:
- Land ownership (PLRA)
- Identity (NADRA)
- Mobile SIM ownership (PMD)
- Approved farmers are issued a card via Bank of Punjab
- Card can be used at registered input vendors
Also Read: CM Loan Scheme: Punjab Government’s Asaan Karobar Finance Initiative
Kisan Card Phase 2 – Payment & Benefits
Phase 2 Rollout Details
| Detail | Information |
|---|---|
| Payment Start Date | May 22, 2025 |
| Payment Type | Second installment – Input aid |
| SMS Alerts Begin | May 23, 2025 |
| Eligibility | Farmers who cleared Phase 1 dues |
| Final Dues Submission | May 30, 2025 (last date) |
Farmers who delay payment will be disqualified from future benefits.
Where & How to Pay Dues
- Visit nearest Bank of Punjab or Agriculture Office
- Bring Kisan Card + CNIC
- Pay dues at counter or digital kiosk
- Keep receipt for confirmation
Also Read: Clinic On Wheels Scheme: A Lifesaving Healthcare Initiative in Punjab
Additional Services Linked to Kisan Card
- Fertilizer & seed subsidies
- Loan access via Bank of Punjab
- Machinery support (Green Tractor Program)
- Crop insurance programs
- Weather alerts and smog control initiatives
- Model Agriculture Malls (One-stop farmer centers)
FAQs (Frequently Asked Questions)
Also Read: Benazir Hunarmand Program 2025: Comprehensive Guide On Application Process
Conclusion
The CM Punjab Kisan Card is not just a loan facility—it’s a complete agricultural support system built on technology, transparency, and timely access. By combining financial assistance, smart farming tools, and digital record-keeping, Punjab is revolutionizing rural livelihoods. Farmers must act fast to register, verify, and pay dues before May 30, 2025, to be part of this historic transformation. With expanded access, increased funds, and enhanced features, the CM Kisan Card is a cornerstone of Punjab’s agricultural future.
