CM Maryam Nawaz Kisan Card 2025

Overview

Launched by Punjab Chief Minister Maryam Nawaz Sharif in 2025, the CM Kisan Card Scheme is a transformative initiative empowering small and marginal farmers with easy access to interest-free loans up to Rs. 150,000.

Partnering with the Bank of Punjab (BOP) and the Agriculture Department, this program addresses rising input costs for seeds, fertilizers, and equipment, injecting Rs. 150 billion in subsidies and credit to boost crop yields and rural economies.

With 500,000 cards targeted, it’s a digital lifeline for Punjab’s agricultural backbone—apply now via SMS or district offices to secure subsidies on tractors, solar panels, and more, fostering sustainable farming amid climate challenges.

Key Benefits of Kisan Card

The scheme offers multifaceted support tailored to modern farming needs:

Interest-Free Loans: Up to Rs. 150,000 for seasonal inputs, repayable over 6–12 months.
Subsidies: 64 billion rupees allocated for fertilizers, seeds, pesticides, and machinery like tractors and motorcycles.
Digital Access: Card-linked BOP account for seamless POS purchases at registered dealers.
Additional Perks: Solar system subsidies, advanced tools, and priority in green tractor schemes.
Economic Impact: Enhances productivity, reduces debt traps, and supports 1.25 million low-income farming families.

This Phase-II rollout builds on 2024 successes, emphasizing women farmers and flood-affected regions.

Educational Requirements

No formal education is mandated, prioritizing land ownership over academic credentials:

Basic Literacy: Sufficient for SMS registration and basic transactions; Urdu/Punjabi proficiency preferred.
Land Records Knowledge: Familiarity with Fard-e-Malakiyat (land ownership documents) essential for verification.
Optional Certifications: Vocational training in agri-tech or digital banking adds preference for subsidy claims.

Focus remains on practical farming experience, verified through NADRA and PLRA integrations.

Age Limit

Designed for active farmers across life stages:

Minimum Age: 21 years to ensure financial maturity.
Maximum Age: 60 years, with relaxations up to 65 for senior farmers or women heads of households.

Age verified via CNIC during registration; no upper limit barriers for experienced cultivators.

Who Can Apply?

Punjab’s farming community is the core target, promoting inclusivity:

Smallholder farmers owning up to 5 acres of irrigated or 10 acres of rain-fed land.
Tenant farmers with valid lease agreements and B-Form/CNIC.
Women and youth cultivators, including flood-impacted households.
Deserving families below poverty line, cross-verified with Benazir Income Support Programme (BISP).
Punjab-domiciled individuals committed to sustainable practices.

Excludes large landowners (>25 acres) to prioritize the needy.

Detailed Table of Information

Comprehensive scheme overview for quick reference:

Aspect	Details
Scheme Name	CM Maryam Nawaz Kisan Card (Phase-II 2025)
Launch Authority	Punjab Agriculture Department & BOP
Target Beneficiaries	500,000 small/marginal farmers
Loan Amount	Up to Rs. 150,000 (interest-free)
Subsidy Package	Rs. 64 billion for inputs & machinery
Total Outlay	Rs. 150 billion
Key Benefits	Loans for seeds/fertilizers; subsidies on tractors, solar, motorcycles
Registration Mode	SMS to 8090 or district agri offices/e-Khidmat Markaz
Helpline	0800-1700 (8 AM–8 PM)
Partner Bank	Bank of Punjab (BOP) for disbursal

Maximum Age and Residential Requirements

Maximum Age: 60 years (extendable to 65 for seniors/women); promotes intergenerational farming continuity.
Residential Requirements: Punjab domicile mandatory via CNIC/NADRA; no district restrictions—open to all tehsils. Preference for rural residents; urban applicants with verified farmland qualify.

Important Application and Selection Procedure

A user-friendly, transparent process:

Eligibility Check: Send CNIC to 8090 for instant SMS response on qualification.
Registration: Visit district agriculture office, Tehsil Municipal Administration (TMA), or e-Khidmat Markaz with CNIC, land papers, and photo.
Document Verification: NADRA/PLRA linkage confirms ownership; BISP cross-check for deserving status.
Card Issuance: Approved applicants receive Kisan Card via BOP within 7–10 days; link to savings account.
Activation: Use at 2,000+ registered dealers for POS purchases; loans disbursed digitally.
Balloting (if oversubscribed): Merit-cum-lottery for high-demand areas.

Door-to-door surveys by PSER teams in remote areas facilitate access.

Job Details and Eligibility Criteria

Job Details: Not employment but financial aid “job” for farmers—seasonal loans for crop cycles, with training on digital use. Repayment via auto-debit; default incurs penalties but grace periods apply.
Eligibility Criteria:
Ownership/tenancy of 1–5 acres irrigated land (up to 10 acres barani).
Annual income < Rs. 3 lakh; no outstanding agri-loans.
Valid CNIC and land records (Fard); BISP enrollment boosts priority.
Commitment to eco-friendly practices; excludes defaulters from prior schemes.

District-Wise Information in Table Form

Statewide rollout with localized support; no quotas but equitable distribution:

District	Applicability	Notes
Lahore	High (Urban fringes)	e-Khidmat centers prioritized; focus on peri-urban farms.
Faisalabad	All eligible	Agri-hub; tractor subsidies emphasized.
Multan/Sahiwal	Flood-prone priority	Extra solar aid for affected; door-to-door registration.
Rawalpindi/Attock	Open	Northern belt; rain-fed land focus.
Bahawalpur/Rahim Yar Khan	Desert/southern	Irrigation subsidies; women farmer outreach.
Remote (e.g., Muzaffargarh)	Full access	Mobile vans for verification.

Uniform across 36 districts via 150+ offices.

Key Points

Targets 500,000 cards with Rs. 150,000 limit each.
Interest-free; subsidies cover 40% of input costs.
Digital ecosystem integrates PITB for transparency.
Phase-II adds solar/tractor perks for sustainability.
Helpline: 0800-1700 for queries (8 AM–8 PM).

Terms and Conditions

Loans repayable in 6–12 months; 2% markup on delays.
Card misuse (non-agri spends) leads to blacklisting.
Government reserves adjustment rights based on budget.
No processing fees; beware of fraud—official channels only.
Data privacy via NADRA; consent for BISP linkage.

Last Date for Application Submission

Ongoing throughout 2025, with Phase-II peak until June 30, 2026—apply early for seasonal sowing cycles.

Summary Information

The CM Maryam Nawaz Kisan Card 2025 revolutionizes Punjab farming with Rs. 150 billion in aid, offering loans, subsidies, and tools to 500,000 tillers. From SMS registration to dealer purchases, it’s a seamless boost for productivity and resilience, especially for women and smallholders.

Official Website Link for Applying

Note/Warning for Complaints and Queries

Dial 0800-1700 (8 AM–8 PM) or email info@agripunjab.gov.pk for support. Report scams—scheme is free; no agents charge fees. File grievances at district agri offices for 48-hour resolution.

FAQs

Q: How much loan can I get?
A: Up to Rs. 150,000 interest-free for verified farmers.

Q: Is the card physical or digital?
A: Physical BOP debit card for POS use.

Q: Can tenants apply?
A: Yes, with valid lease and CNIC.

Q: What if I’m BISP beneficiary?
A: Automatic priority; cross-verified.

Q: Repayment process?
A: Auto-debit from linked account post-harvest.

Conclusion

The CM Maryam Nawaz Kisan Card 2025 isn’t just aid—it’s empowerment for Punjab’s 12 million farmers, turning challenges into opportunities for bountiful yields. With easy registration and transformative benefits, it’s a seed of progress in every field. Apply today via agripunjab.gov.pk and cultivate a prosperous tomorrow. Stay tuned for updates on green initiatives.

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