Guide Section
CM Punjab Kisan Card — Complete Guide
§Overview
The Chief Minister Punjab Kisan Card is one of the largest agricultural welfare programmes in Punjab's history — a digital card giving farmers direct access to subsidised inputs, credit, and government support without middlemen.
| Detail | Value |
|---|---|
| Programme | CM Punjab Kisan Card |
| Budget (2024–25) | PKR 9,868.869 Million |
| Approved By | PDWP (Provincial Development Working Party) |
| Target Beneficiaries | Small and medium farmers in Punjab |
| Integration | NADRA, Punjab land records, banking system |
§What Does the Kisan Card Provide?
1. Subsidised Inputs
- •Fertiliser — Urea, DAP at below-market government-subsidised rates
- •Certified Seeds — High-yield certified seed varieties
- •Pesticides — Approved pesticides at reduced rates
2. Agricultural Credit
- •Direct loan disbursement to card account
- •Collateral-free (card-based credit)
- •Seasonal repayment aligned with crop cycles
3. Technical Support
- •Access to Punjab Agriculture Department extension services
- •Soil testing services at subsidised rates
- •Crop advisory via SMS and app
4. Insurance
- •Crop insurance enrollment facilitated
- •Disaster/flood relief payments can be channeled via card
§Eligibility Criteria
- •Punjab resident with valid CNIC
- •Registered farmer with land record (via PLRA)
- •Small to medium farmer (land ceiling may apply per policy)
- •No large landholder exclusion (large landlords generally excluded)
- •Active mobile number for card linkage
§How to Apply
- •Visit nearest Agriculture Extension Office in your district
- •Bring CNIC, land ownership documents (Fard from PLRA), mobile number
- •Submit application form
- •NADRA verification of identity
- •Land record verification via PLRA database
- •Card issued within days of approval
- •Start using at designated input dealers and banks
§Kisan Card at Input Dealers
- •Fertiliser dealers registered with Punjab Agriculture Department accept Kisan Card
- •Transaction recorded digitally — prevents subsidy leakage
- •Farmer receives SMS confirmation of each purchase
§Integration with Other Schemes
| Scheme | How Kisan Card Connects |
|---|---|
| AKAR (Apna Khet) | AKAR beneficiaries can access Kisan Card for leased land farming |
| Green Tractor Scheme | Down payment support possible via card credit |
| Crop Insurance | Enrollment and claim payments via card |
| Solar Tubewell Scheme | Kisan Card holders get priority in balloting |
| SBP Zarkhez-e Loans | Kisan Card as collateral substitute |
§Fraud Prevention
- •Each transaction requires biometric or PIN verification
- •SMS alert to registered number for every purchase
- •Geo-tagged at point of sale
- •Quarterly audits by Punjab Agriculture Department
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