CM Kissan Card Scheme

CM Kissan Card Scheme is a breakthrough program the Government of Punjab has created to economically empower the small and medium-scale farmers. This scheme offers interest-free agricultural loans to the farmers who can avail of the scheme to cover essential inputs like seeds, fertilizers, and pesticides. The main vision of the program is to improve the productivity, decrease the dependence of middlemen and promote sustainable agriculture in the province.

The kissan card scheme with the cooperation of NADRA, PITB,PLRA,PMD, and the bank of Punjab, the scheme allows farmers to avail these funds using a prepaid, ATM enabled Kissan Card- adding convenience, transparency and digitization to agricultural financing.

Key Features of the Punjab Kissan Card Scheme

The farmers will be able to borrow 30 thousand rupees per acre interest-free and the limit amount per 5-acre will be 150 thousand rupees per person under this scheme. Recent revisions have increased upper limit to 300,000 in order to cater the increased demand. The amount is released in digital form and could only be utilized in registered input suppliers where the farmers are able to ensure that the money is spent in agricultural activities.

loan is subsidized by the Punjab government with a repayment period of 6 months and 1 month grace period-there is no markup or interest charged in this loan.

Eligibility Criteria for CM Kissan Card Scheme

Farmers interested in applying for the Punjab Kissan Card Scheme must meet the following requirements:

• Own between 1 and 12.5 acres of agricultural land
• Land must be verified and registered with PLRA (Punjab Land Records Authority)
• Possess a valid CNIC and be 18 years or older
• Have a mobile SIM registered in their own name
• Have no history of agricultural loan default

Only verified and eligible farmers will be issued a Kissan Card, which will be linked to their CNIC and landholding data for accuracy and transparency.

How to Register Punjab Kissan Card Scheme 2025

To apply for the Punjab Kissan Card Scheme registration, follow these steps:

• Type an SMS in the format: PKC <space> CNIC number (Example: PKC 3520212345678)
• Send the SMS to 8070 using the mobile SIM registered with your CNIC
• Await a response confirming your eligibility and verification
• Once approved, collect your Kissan Card from the nearest Bank of Punjab branch or Tehsil Agriculture Office

Benefits of the Punjab Kissan Card

Kissan Card offers a wide variety of benefits to the farmers in Punjab. It minimizes the use of informal resources, and it makes sure that the money is spent on crop production. The computerized system also increases transparency, and, before every sowing season, it provides support in a timely manner.

The government has also attached the scheme to future incentives including subsidy on solar tube-wells, agricultural machinery subsidy and support on fertilizer.

Punjab Kissan Card Scheme 2025

The CM Punjab Kissan Card Scheme is a radical agriculture modernisation initiative in Pakistan. It not only increases productivity, but also makes the rural economy stronger by allowing the farmers an easy interest-free and secure method of funding their seasonal necessities. As a Punjabi farmer, this is your chance to take advantage of financial inclusion and government support.