The Government of Punjab has once again taken a revolutionary step to uplift the province’s agriculture sector by launching Phase II of the Kisan Card Scheme in 2025. Under the leadership of Chief Minister Maryam Nawaz, this scheme aims to support small- and medium-scale farmers by providing interest-free loans, access to diesel, seeds, fertilizers, and agricultural machinery. It’s a lifeline for struggling farmers and a major move toward modernizing agriculture in Punjab.
🌾 What is the Kisan Card Scheme?
The Kisan Card Scheme is a financial and logistical support program launched by the Punjab government. Farmers who register for the card can receive interest-free loans, subsidies on farming equipment, and easier access to inputs such as fertilizers, diesel, and certified seeds. This digitalized scheme ensures transparency and rapid service delivery through mobile wallets and linked bank accounts.
In 2025, Phase II of the scheme comes with improved features and a larger budget. A total of Rs. 75 billion has been allocated to distribute interest-free loans for the upcoming Kharif season.
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🌱 Key Benefits of Kisan Card Phase II
The latest phase introduces several enhancements to benefit a broader range of farmers:
- Interest-Free Loans: Farmers can borrow up to Rs. 40,000 per acre without any interest charges.
- Loan Usage Allocation:
- 30% as cash to spend freely
- 25% reserved for diesel purchases
- Flexible Repayment: Loans are repayable over six months with an additional one-month grace period.
- Incentive Bonus: Farmers who repay their loans on time will receive an additional Rs. 5,000 per acre as a performance reward.
👨🌾 Who is Eligible?
The scheme is open to farmers who own 1–25 acres of agricultural land in Punjab. Applicants must also meet the following criteria:
- Must be a resident of Punjab
- Have a valid CNIC
- Possess land records registered with the PLRA (Punjab Land Record Authority)
- Not be a defaulter of any bank loan
- Must be enrolled in the National Socio-Economic Registry (NSER)
Farmers can verify their eligibility through SMS, mobile apps, or by visiting local agriculture offices.
🏦 How to Apply for the Kisan Card
Applying for the Kisan Card is simple and digital. Here’s how eligible farmers can apply:
- Visit the nearest Agriculture Office or Bank of Punjab branch.
- Fill out the Kisan Card Application Form with the required documents:
- CNIC copy
- Land ownership record
- Recent passport-size photo
- Submit your details for verification through PLRA and NADRA.
- Once approved, you will receive a Kisan Card that you can link to your mobile wallet or bank account.
- Use the card to access interest-free loans and input subsidies via registered dealers and petrol stations.
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🚜 Additional Support Under the Scheme
Alongside the loan facility, the government is launching several parallel initiatives to support the farming community:
- Green Tractor Scheme: Farmers can now access locally manufactured tractors (60–85 HP) at subsidized rates.
- Machinery Loans: A Rs. 50 billion interest-free loan facility has been introduced to help farmers purchase tools such as
- Laser land levelers
- Rotavators
- Super seeders
- Wheat threshers
- Model Agriculture Malls: Four regional agriculture malls are almost complete in Multan, Bahawalpur, Sargodha, and Sahiwal, with plans to build 10 more.
- Subsidized Fertilizers and Pesticides: The government will prioritize access to subsidized inputs for registered Kisan Card users.
📈 Impact and Progress So Far
The Kisan Card Scheme has already achieved important milestones:
- Over 535,000 farmers have received Kisan Cards.
- We have distributed loans worth Rs. 36 billion.n.
- The program has successfully repaid Rs. 22 billion, demonstrating strong participation and trust.
- Farmers can now purchase diesel through 3,250 merchants and over 1,800 PSO pumps registered under the program.
📲 Going Digital: JazzCash & Mobile Banking
To ensure ease of access, the Punjab government has collaborated with JazzCash and other fintech companies. Farmers can receive loan amounts directly into their mobile wallets, pay input suppliers, and track their repayments online.
This integration allows remote farmers with no access to traditional banks to still benefit from the program.
🧭 Final Thoughts
The Kisan Card Scheme 2025 (Phase II) is not just a loan program—it’s a complete agricultural transformation package. It empowers farmers, boosts productivity, and ensures food security by investing in modern tools and timely financing. With transparent systems, easy repayment, and rewards for honesty, this initiative stands as one of the most progressive agricultural reforms in Pakistan’s history.
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