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

Here are the major benefits of the scheme:

• Interest-free seasonal financing
• up to Rs. 150,000 per farmer per season
• financing at Rs. 30,000 per acre
• intended for eligible landholders with up to 12.5 acres
• loan calculation capped at 5 acres in the cycle-1 banking structure
• card issued through the Bank of Punjab
• digital verification through official databases
• use of funds restricted to approved agricultural inputs
• repayment window linked to the crop cycle, with an added grace period

These are the core program features published on the official Punjab Portal and BOP program page.

According to the official criteria, applicants must meet the following conditions:

• must be a farmer with landholding up to 12.5 acres
• land must be owned and available in the PLRA record
• applicant must have a valid CNIC
• mobile SIM must be registered in the applicant’s own name and verified through PMD
• applicant must meet the relevant verification checks, including credit history/risk criteria
• minimum age is 18 years
• for BOP cycle-1 financing, the practical minimum land size for financing is 1 acre

These eligibility points come from the Punjab Portal and the official Bank of Punjab scheme page

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.

The financing structure is one of the most important parts of the program. Official pages say:

• financing is available at Rs. 30,000 per acre
• maximum financing is Rs. 150,000
• the loan tenor is up to 6 months
• an additional 1-month grace period is available for repayment or return of funds

This seasonal structure is intended to align with crop cycles rather than regular monthly consumer-style payments

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