CM Punjab Kissan Card 2026

The program has been introduced to reduce financial pressure on farmers and make input purchasing easier and more transparent. Based on official descriptions, its main goals are to:

• improve farmers’ access to working capital
• support the purchase of quality agricultural inputs
• digitize verification and loan processing
• reduce dependency on informal borrowing
• improve agricultural productivity in Punjab

These objectives are reflected in the official Punjab Portal, PITB launch note, and Bank of Punjab program description

Interest-Free Agricultural Financing

Farmers can obtain financing without paying interest, helping them manage cultivation expenses more effectively.

Easy Purchase of Farming Inputs

The card can be used to purchase:

• Fertilizers
• Seeds
• Pesticides
• Other approved agricultural inputs

through registered vendors.

Digital Verification System

The scheme uses integrated verification from:

• NADRA
• PLRA
• PMD
• eCIB
• PITB

which reduces paperwork and speeds up approval.

SMS Transaction Alerts

Farmers receive free SMS notifications whenever a transaction occurs through their card.

Before applying, farmers should keep the following information ready:

• valid CNIC
• active mobile number registered on the same CNIC
• correct land ownership record in PLRA
• basic personal and farm details for digital verification

Because the scheme uses cross-verification through official databases, incorrect CNIC, SIM, or land record information can delay or block approval

The application method is simple and starts through SMS registration. Punjab’s official scheme page says farmers should send:

PKC <space> CNIC Number

to 8070

After that, the applicant’s record is checked digitally through linked government systems. Once land, identity, mobile, and related verification are completed, the farmer can be issued the card through the Bank of Punjab.

The scheme uses a digital verification model. Official sources say farmer registration data is matched with PLRA, and verification is also done through NADRA, PMD, and eECIB/risk checks before card issuance. PITB also announced the launch of the digital farmer registration process for the program in June 2024.

Official Punjab sources show that the program has not disappeared after launch. The Agriculture Department website was still listing Chief Minister Kissan Card among its live initiatives in 2026, and Punjab’s Planning & Development Board included the project in its 2025–26 approved development schemes. Official monitoring material also reported that 530,000+ cards had already been dispatched, with the scheme expanding toward 750,000 farmers

The official Bank of Punjab cycle-1 page, last updated on April 15, 2025, lists a card issuance fee of PKR 1,000 per acre and describes the product as an unsecured clean facility with markup fully subsidized by the Punjab government for the farmer. Because operational terms can change by phase, applicants should recheck the latest bank instructions before completing the process

To apply for the Punjab Kissan Card, applicants must meet the following conditions:

Land Ownership Requirement

The applicant must own agricultural land and the land record must be available in the Punjab Land Records Authority (PLRA) system.

Land Holding Limit

Farmers with land holdings up to 12.5 acres are eligible for the scheme.

Valid CNIC

Applicants must possess a valid computerized national identity card.

Mobile SIM Requirement

The mobile number used for registration must be registered against the applicant's own CNIC.

Credit Verification

Applicants may undergo eCIB verification as part of the approval process.

Your application may be rejected if:

• Land record is unavailable in PLRA.
• Mobile number is not registered on your CNIC.
• CNIC information is incorrect.
• Land ownership cannot be verified.
• Verification requirements are not fulfilled.