The Government of Pakistan has officially launched a major transformation in the Benazir Income Support Programme (BISP) by enabling the disbursement of payments through retail shops nationwide. As of June 16, 2025, eligible women can now collect their BISP Kafalat funds not only from traditional campsites but also from thousands of HBL Konnect and Bank Alfalah retail agents across the country. This move aims to offer greater convenience, safety, and dignity to beneficiaries, especially during the intense summer season.
Why This Shift Was Necessary
Previously, many women had to wait in long queues under the open sky at temporary campsites, often exposed to the scorching heat and poor management. Complaints regarding corruption, slow processing, and limited availability of cash were common.
In response, the government has decided to modernize the payment system and distribute the financial assistance directly through authorized retail agents, including local shops and bank-affiliated agents. This system is being rolled out in 80 districts during the first phase and is expected to expand further in the coming months.
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How to Receive Your BISP Payment at Retail Shops
The new process is straightforward and designed to be user-friendly, especially for women from rural and underprivileged backgrounds.
Step-by-Step Guide:
- Check Eligibility
Send your CNIC number via SMS to 8171 to confirm if your payment is ready for collection. - Visit the Nearest Retail Agent
Locate a nearby HBL Konnect or Bank Alfalah agent who is authorized to distribute BISP funds. This could be a local shop or mobile wallet retailer. - Bring Your Original CNIC
Only the original computerized CNIC will be accepted. No photocopies or alternate documents will be allowed. - Biometric Verification
Place your thumb on the biometric machine for identity verification. This step ensures that only the rightful beneficiary receives the money. - Receive Your Cash Payment
Once verified, you will immediately receive your Rs. 13,500 June 2025 installment in cash. - Collect a Printed Receipt
Always demand a printed receipt from the agent as proof of payment. This is essential for recordkeeping and resolving any future disputes.
Payment Days and Timing
To ensure smooth operations, BISP payments through retail shops are available only from Monday to Thursday each week. Shops will not process payments on Fridays, Saturdays, and Sundays due to system updates and restocking.
Make sure to visit early in the day to avoid queues and ensure cash availability.
Districts Covered in Phase 1
Some of the prominent districts where retail payment has already begun include:
- Islamabad
- Lahore
- Rawalpindi
- Sialkot
- Bahawalpur
- Skardu
- Peshin
- Gilgit
More areas will be added soon. Keep checking the BISP official website or your mobile SMS alerts for announcements regarding your area.
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What to Do if You Face a Problem?
If you encounter any issues such as:
- Biometric failure
- Overcharging by agents
- Payment not received despite SMS confirmation
- Refusal to give a printed receipt
You should immediately:
- Contact the BISP Helpline: Call 0800-26477 (toll-free)
- Visit the Nearest BISP Tehsil Office with your CNIC and receipt
- Submit a written complaint with agent details
Authorities have warned all retail agents against unauthorized deductions. Strict action will be taken against violators, including blacklisting and legal penalties.
Benefits of the New Retail Payment System
- Dignified Process: Women no longer have to stand in public queues for hours.
- Wider Access: Payments can now be collected from thousands of locations across the country.
- Improved Transparency: Biometric verification and printed receipts reduce fraud.
- Time-Saving: Faster processing compared to campsite distribution.
- Safety: Localized collection points reduce the need to travel far from home.
Final Words
The retail-based payment system under the BISP program is a major leap toward financial inclusion and social dignity for low-income families in Pakistan. By leveraging technology and local resources, the government is empowering the most vulnerable segments of society with efficient and respectful access to social welfare funds.If you or someone you know is a beneficiary, encourage them to check their status and collect their payments from a nearby retail shop.
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