Benazir Kafaalat Program
Benazir Kafaalat Program is a flagship initiative under 8171 BISP Ehsaas aimed at supporting poor and deserving women in Pakistan through financial assistance. Women can check their eligibility status by entering their CNIC number on the 8171 web portal. If declared eligible, the woman receives an SMS from 8171 and is instructed to visit the nearest HBL/BAFL POS or retailer with her original CNIC to collect her first payment through biometric verification. Future instalments can be collected easily via ATMS in addition to POS centres. This ensures a transparent and smooth payment process for all verified beneficiaries.
In cases where no record is found on the 8171 portal, any adult family member can visit the BISP Tehsil Office and get registered through a household survey at the Benazir registration desk. To be eligible for the Kafaalat program, the household must meet the poverty score criteria set by BISP. Only ever-married women with valid CNIC who pass the profiling process can qualify as beneficiaries. Once confirmed, the beneficiary will receive a message from 8171 and can collect her payment after biometric verification. For any concerns, the nearest BISP office provides full support through a dedicated grievance redressal process.
Key Steps to Join Benazir Kafaalat Program
- ✔️ Check eligibility by entering CNIC on the 8171 web portal.
- ✔️ Receive SMS confirmation from 8171 if declared eligible.
- ✔️ Visit nearest HBL/BAFL POS or retailer with CNIC for biometric verification.
- ✔️ Future payments can be received via ATM or POS.
- ✔️ Register complaints or concerns at the nearest BISP Tehsil Office.
Benazir Taleemi Wazaif
The Benazir Taleemi Wazaif program is a significant educational initiative by BISP 8171 , designed to support children of active BISP Kafaalat beneficiaries in continuing their education. Children aged 4 to 12 years can be enrolled for primary education, 8 to 18 years for secondary education, and 13 to 22 years for higher secondary education under this scheme. To qualify, the child must already be admitted to a school or college in any district of Pakistan. The mother or guardian must visit a nearby BISP field office or enrollment camp with the required documents to register their child. These include the CNIC of the beneficiary, the child’s B-form (issued by NADRA), and a school admission slip verified by the child’s teacher.
The program has also made digital self-enrollment possible for added convenience. Parents or teachers of eligible children can use the official application to register children online without physically visiting an office. However, verification of the child’s B-form/CRC from the NADRA database remains mandatory for enrollment. This ensures that only genuine and deserving families benefit from this educational support. With this initiative, BISP aims to reduce the dropout rate and promote continued learning by providing financial assistance to students from low-income households. Benazir Taleemi Wazaif is a step forward in making education accessible for all.
Key Requirements to Join Benazir Taleemi Wazaif
- ✔️ The child must belong to an active BISP Kafaalat beneficiary.
- ✔️ Age criteria: 4–12 (Primary), 8–18 (Secondary), 13–22 (Higher Secondary).
- ✔️ The child must be admitted to a school or college.
- ✔️ Required documents: CNIC, B-form, verified school admission slip.
- ✔️ Self-enrollment is available via the official digital application.
Benazir NSER – Pakistan’s Largest Socio-Economic Registry
The Benazir National Socio-Economic Registry (NSER) is a powerful database created by BISP to collect household-level data for identifying deserving families. Initially launched in 2011 and updated between 2019 and 2021, NSER now holds data for over 35 million households. This information supports multiple social protection programs by identifying and targeting the most vulnerable families. The recent update used the Computer-Assisted Personal Interview (CAPI) method, replacing paper-based surveys, and ensuring better accuracy, speed, and efficiency. Now, the NSER is transitioning from a static to a dynamic system that allows ongoing updates through tehsil-level registration centers.
Through the new dynamic registry model, families can update their information as needed, without waiting for another nationwide survey. These updates are verified through NADRA, ensuring data reliability and minimizing errors. Missed households or those with changing financial conditions can now register or correct their data anytime. 8171 Web Portal Registration desks, mobile vans, and a self-update app make the process more accessible. This flexible and responsive approach helps BISP deliver timely support, especially in emergencies. NSER has become the backbone of Pakistan’s poverty alleviation strategy, supporting not only BISP but many national and international welfare initiatives.
Key Features of Benazir NSER System
- ✔️ Covers 35 million households with updated socio-economic data
- ✔️ Dynamic registry enables continuous updates and new registrations
- ✔️ Uses NADRA-verified information for accuracy and transparency
- ✔️ Registration centers available in every tehsil across Pakistan
- ✔️ Supports BISP and other social welfare programs nationwide
Benazir Nashonuma Programme
Malnutrition remains a major challenge in Pakistan, with 40.2% of children facing stunting, 28.9% being underweight, and 17.7% suffering from wasting. These alarming numbers highlight a nationwide nutrition crisis, placing Pakistan among the countries with the highest burden in South Asia. The most critical period for a child’s growth and development is the first 1,000 days – from conception to two years of age. During this time, proper nutrition is essential for brain development, immunity, and lifelong health. Recognizing this, the Benazir Income Support Programme (BISP) introduced the Benazir Nashonuma Programme to promote better health and nutrition for mothers and children.
The programme is a Conditional Cash Transfer (CCT) initiative that encourages BISP beneficiary women to use health and nutrition services. Pregnant and lactating mothers, along with their children under two years, receive quarterly financial support PKR 2,000 for boys and PKR 2,500 for girls. In return, beneficiaries commit to antenatal visits, child immunization, and health awareness sessions. The aim is to reduce child stunting, improve maternal nutrition, prevent low birth weight, and promote healthier early childhood development. The programme started in 14 districts and has now expanded to 158 districts, with 512 Nashonuma Centres, including mobile outreach units.
Goals of the Benazir Nashonuma Programme
- ✔️ Prevent stunting in children under two years
- ✔️ Improve nutrition and weight gain in pregnant women
- ✔️ Reduce anemia and micronutrient deficiencies
- ✔️ Increase awareness of maternal and child health
- ✔️ Ensure timely immunization and regular health checkups
CM Punjab Karobar Card
The Government of Punjab has launched the CM Punjab Karobar Card to help small business owners grow and expand their businesses without any interest burden. Through this card, eligible individuals can get a loan of up to PKR 1 million with flexible repayment terms and a 100% interest-free facility. The program supports vendors, shopkeepers, startups, and other small entrepreneurs across Punjab. All loan processes are handled digitally, ensuring transparency, security, and ease of use through mobile apps and POS machines. With a three-month grace period and simple monthly repayments, this scheme is perfect for those aiming to improve their business operations.
To apply, residents of Punjab aged 21 to 57 years with a valid CNIC and a mobile number registered in their name can submit their applications through the PITB portal. The loan comes with a one-time processing fee of PKR 500, and businesses must register with PRA or FBR within six months of approval. The funds are strictly for business use, and unnecessary personal transactions are blocked automatically. Feasibility studies and startup guides are also available to help new applicants plan their business effectively. With a clear repayment plan and government support, this scheme opens doors for thousands of small businesses across the province.
Key Benefits of CM Punjab Karobar Card
- Interest-Free Loan of up to PKR 1 million
- Easy Digital Application via PITB online portal
- Flexible Repayment with a 3-month grace period
- Strictly for Business Use, ensuring funds are properly utilized
- Support for Startups with feasibility guides and expert tools
CM Punjab Asaan Karobar Finance – کاروبار کا آسان حل
The CM Punjab Asaan Karobar Finance Program is an excellent opportunity for small and medium business owners in Punjab to grow without financial stress. Launched under the vision of Chief Minister Maryam Nawaz Sharif, this initiative offers interest-free loans ranging from PKR 1 million to 30 million. Whether you’re starting a new business or scaling an existing one, this scheme supports entrepreneurs across priority sectors like commercial logistics and climate-friendly technologies. It’s a practical step to boost employment and strengthen the province’s economy.
Applicants aged 25 to 55, with registered businesses and active FBR tax records, can apply. The loans are offered in two tiers — T1 for PKR 1–5 million and T2 for PKR 6–30 million — with flexible terms, grace periods, and zero markup. Women, transgender persons, and differently-abled individuals get added benefits with reduced equity requirements. Apply now and turn your dream business into a reality without the burden of interest or hidden costs.
Top Features of Asaan Karobar Finance Scheme
- ✅ Interest-Free Loans up to PKR 30 Million for SMEs in Punjab
- ✅ No Equity for small loans (T1) and Special 10% Equity for women & differently-abled
- ✅ Flexible Repayment with up to 6 months grace period
- ✅ Zero Markup for new startups, expansions & climate-friendly businesses
- ✅ Easy Online Application with minimal documentation required
Apni Chhat Apna Ghar – 100,000 Affordable Houses for Low-Income Families in Punjab
The “Apni Chhat Apna Ghar” program is a flagship initiative of the Chief Minister Punjab aimed at providing 100,000 affordable houses to deserving families across the province. The scheme targets low-income individuals who live in rented or informal housing and dream of owning a home. With three carefully designed execution models, the project promises to transform Punjab’s housing sector by ensuring better living standards, community safety, and access to basic services like water, electricity, and sanitation. The Punjab Housing and Town Planning Agency (PHATA) is leading the implementation, while the Housing and Urban Development Department is providing administrative oversight.
This massive housing effort not only addresses the shelter needs of the poor but is also expected to create half a million jobs, boosting the province’s economy. The three models include housing construction on state land, private housing schemes under the Affordable Private Housing Scheme (APHS), and interest-free loans for eligible landowners to build homes. Beneficiaries can receive loans of up to PKR 1.5 million with 7-year repayment plans. The application process is simple and digital, and eligibility includes being a Punjab resident with ownership of land and no criminal or loan default record. PHATA will monitor all constructions to maintain quality and transparency.
Key Highlights of Apni Chhat Apna Ghar Scheme
- 100,000 Low-Cost Houses to be built across Punjab in 4.5 years
- Interest-Free Loans of up to PKR 1.5 million for home construction
- Three Execution Models including state land development and private housing
- Online Application System via www.acag.punjab.gov.pk
- Strict Eligibility to ensure only deserving families benefit
CM Punjab Free Solar Panel Scheme – روشن پنجاب کی جانب ایک قدم
The CM Punjab Free Solar Panel Scheme, launched by Chief Minister Maryam Nawaz Sharif, is a game-changing initiative aimed at providing free solar energy systems to deserving families across Punjab. Targeting households that consume up to 200 electricity units per month, this scheme ensures sustainable relief from rising energy costs while promoting clean and renewable energy. The Punjab Government plans to distribute up to 100,000 complete solar panel kits without any charges, empowering modest-income households with an uninterrupted power supply and lower electricity bills.
Only domestic consumers with a sanctioned load up to 2 KW and a clean electricity record (no theft, defective meters, or default) are eligible. Applicants can register online at cmsolarscheme.punjab.gov.pk or via SMS by sending their Reference Number and CNIC to 8800. Eligibility is based on electricity bills from June 2024, and the last date to register is 5th January 2025. This eco-friendly move not only supports vulnerable households but also contributes to building a greener, more energy-resilient Punjab.
Why You Should Apply for the Free Solar Scheme
- ✔️ Up to 100,000 families to receive free solar panel systems
- ✔️ For households consuming 0–200 electricity units monthly
- ✔️ Apply via web portal or SMS to 8800
- ✔️ Must have a clean record (no theft, default, or faulty meter)
- ✔️ Last date to apply: 5th January 2025
Maryam Ke Dastak – Sarkari Services Aap Ke Darwazay Par
Under the visionary leadership of Chief Minister Maryam Nawaz Sharif, the Maryam Ke Dastak Program is transforming how public services are delivered across Punjab. Developed by PITB, this revolutionary initiative brings government services directly to your doorstep — no more long lines, middlemen, or repeated office visits. Using digital tools like a mobile app, web portal, and call center, citizens can easily request services such as document verification, bill payments, and official registrations from the comfort of their homes. This smart and transparent approach saves time, prevents exploitation, and boosts public trust.
The program also focuses on employment generation by creating job opportunities for trained service facilitators across the province. Once a service request is placed, a government-approved Dastak facilitator visits your home, completes the paperwork, collects fees, and delivers the processed documents back to you. Citizens can rate the service they receive, ensuring quality and accountability at every step. The system uses GPS tracking to ensure efficient service delivery and build a strong link between the public and state institutions — setting a new standard for digital governance in Punjab.
Key Highlights of Maryam Ke Dastak
- ✅ Government services at your doorstep via app, web, or call center
- ✅ Earn from home – trained facilitators get commission on each task
- ✅ Track and rate services for complete transparency
- ✅ Quick paperwork, real-time delivery, no middlemen involved
- ✅ Boosts employment and trust in digital governance across Punjab
CM Punjab Minority Card – مالی تعاون، برابری کی پہچان
The CM Punjab Minority Card is a historic welfare initiative launched by Chief Minister Maryam Nawaz Sharif, dedicated to uplifting Punjab’s non-Muslim communities. Whether you’re Christian, Hindu, Sikh, or belong to another recognized minority, this program ensures that you’re not left behind. Eligible families receive quarterly financial assistance of PKR 10,500, helping them meet basic needs and improve their quality of life. It’s a step towards inclusion, equality, and socio-economic support for the underprivileged minority population across Punjab.
To benefit from this scheme, applicants must have a valid CNIC, be the head of the household, and possess a PMT score of 45 or less. The registration process is digital — just head to mcard.punjab.gov.pk, fill in your details accurately, and submit. Only those not receiving aid from BISP or PSPA are eligible, ensuring targeted support. The government’s 1040 helpline is available during office hours to guide applicants every step of the way.
Key Features of the Minority Card Program
- ✅ Quarterly Aid of PKR 10,500 for eligible non-Muslim families
- ✅ Online Application via mcard.punjab.gov.pk – simple and quick
✅ PMT Score must be 45 or less, check at nearest BISP center - ✅ Exclusively for minorities not receiving aid from other schemes
- ✅ Support Helpline (1040) for queries during office hours
Punjab Health Initiative Management Company (PHIMC) – Free Healthcare for All
Punjab Health Initiative Management Company (PHIMC) is working under the Government of Punjab to provide free and quality health services to deserving people across the province. Registered under Section 42 of the Companies Act 2017, PHIMC is the organization behind major health protection programs such as Sehat Sahulat Program and Qaumi Sehat Card, bringing free treatment to thousands of poor and underprivileged citizens.
PHIMC’s mission is to make healthcare accessible, affordable, and efficient, especially for the poor, disabled, and transgender communities. With a strong public-private partnership model, over 850 public and private hospitals across Punjab now offer completely free treatment services to eligible residents. Using your CNIC as your health card, you can get treatment for various diseases without paying a single rupee.
Key Highlights of the Sehat Sahulat Program in Punjab
- ✅ Universal Health Insurance launched across 36 districts and 9 divisions of Punjab
- ✅ Free health services available in over 850 hospitals (government + private)
- ✅ Coverage includes poor families, special persons, and transgender community
- ✅ CNIC-based access – No need to carry a separate card
- ✅ Aim to reduce financial burden and improve health outcomes
Chief Minister Internship Program Punjab 2024 – A Golden Chance for Youth!
The Chief Minister Internship Program (CMIP) is a brilliant opportunity for the youth of Punjab to gain real-world experience while earning a monthly stipend of Rs. 25,000. This program, launched by the Youth Affairs and Sports Department, is specially designed for 6,000 unemployed graduates across the province. It focuses on skill development, professional exposure, and career building, helping young individuals step confidently into the job market.
This six-month paid internship is perfect for those who want to bridge the gap between education and employment. Through this platform, interns will get hands-on experience in their relevant fields, interact with professionals, and learn workplace ethics. The initiative is not only about employment it’s about building a strong, skilled, and self-reliant youth that can lead Punjab’s future.
Why You Should Apply for CM Internship Program?
- 💼 Monthly Stipend of Rs. 25,000 for every selected intern
- 📚 Skill Enhancement with practical training and career-oriented tasks
- 🌐 Networking Opportunities with industry professionals
- 🎯 Career Readiness through exposure to real work environments
- 🧾 Merit-Based Selection – Transparent and fair process for all
Who Can Apply Punjab Internship Program?
- Age must be between 18 to 25 years
- Applicant must have Punjab domicile
- Must be a graduate/diploma holder (completed between 1st June 2022 and 30th August 2024)
- Must be currently unemployed
- Apply before 30th September 2024
👉 Check your eligibility and apply here: https://cmip.punjab.gov.pk
Chief Minister Kissan Card – Interest-Free Loans for Farmers
The Government of Punjab has introduced the CM Kissan Card Scheme to support small-scale farmers with interest-free agricultural loans. This initiative is aimed at providing financial relief to growers owning up to 12.5 acres of land, helping them purchase necessary inputs like fertilisers and seeds. The registration process is entirely online and digital, ensuring transparency and quick processing. Farmers who meet the eligibility criteria will receive a Kissan Card through the Bank of Punjab, which can be used to access a loan. The scheme will benefit 500,000 farmers on a first-come, first-served basis.
Each eligible farmer can receive up to Rs. 150,000 per cropping season, calculated at Rs. 30,000 per acre for a maximum of 5 acres. This interest-free loan will ease the financial burden and promote better crop yields. Only those farmers whose land records are available in the PLRA system and whose SIM is verified against their CNIC can apply. Once verified through NADRA, PMD, and other official databases, the Kissan Card will be issued. The scheme is part of Punjab’s broader efforts to empower its farming community and ensure food security.
Key Highlights of CM Kissan Card Scheme
- 💰 Interest-free loan of up to Rs. 150,000 per farmer
- 🌾 Only for farmers with landholding of up to 12.5 acres
- 🖥️ Online registration and digital verification through PLRA & NADRA
- 🏦 Kissan Card issued by Bank of Punjab
- 🚜 Loan strictly for agricultural inputs like seeds and fertilizer
CM Himmat Card – Financial Support for Persons with Disabilities
The Government of Punjab has launched the CM Himmat Card Program to offer financial assistance to persons with disabilities (PWDs) across the province. Under this initiative, eligible individuals will receive an ATM card that allows them to withdraw a quarterly stipend of Rs. 10,500. The scheme is being implemented in two phases, targeting a total of 65,000 individuals, with 40,000 beneficiaries in the first phase and 25,000 in the second. The program ensures financial inclusion and ease of access to funds without long procedures or waiting lines.
To ensure gender inclusion, a 30% quota has been reserved for women applicants. The Himmat Card will not only serve as a source of income but also restore dignity and independence for persons with disabilities. ATM access enables PWDs to manage their own finances securely. Payments are scheduled to start from September 15, and all applicants can verify their eligibility through the official portal. The Punjab government’s initiative reflects its commitment to inclusivity and empowerment of marginalized groups.
Key Highlights of CM Himmat Card Program
- 💳 Quarterly stipend of Rs. 10,500 through ATM cards
- ♿ Aimed to benefit 65,000 persons with disabilities
- 👩 30% quota reserved for women recipients
- 🗓️ Payments begin from September 15
- ✅ Eligibility check via official site: Himmat Card Verification
CM Green Tractors Scheme – Subsidized Tractors for Farmers
The Chief Minister’s Green Tractors Scheme is a revolutionary step by the Punjab government to support local farmers by providing tractors at subsidized rates. Under this scheme, 9,500 tractors will be distributed through transparent balloting, making it easier for small landowners to own advanced farming machinery. A Rs. 10 lakh subsidy will be given per tractor, reducing the financial burden on applicants. Farmers can choose from 50 to 85 HP locally manufactured models such as Massey Ferguson and New Holland Al-Ghazi. This step will significantly boost agricultural productivity and farmer livelihoods.
To be eligible, applicants must own 1 to 50 acres of agricultural land. Applications are open online at gts.punjab.gov.pk and must be submitted before 10 October 2024. This initiative not only supports mechanization in agriculture but also helps farmers transition to modern farming practices. All tractors are made in Pakistan, ensuring timely availability of spare parts and local support. For further information, visit agripunjab.gov.pk or call the helpline at 0800-17000.
Key Highlights of Green Tractor Scheme
- 🚜 9,500 tractors to be distributed in first phase
- 💰 Rs. 10 lakh subsidy on each tractor
- 🇵🇰 Only locally manufactured tractors eligible
- 🧾 Farmers owning 1 to 50 acres can apply
- 🌐 Apply before 10 October 2024 at gts.punjab.gov.pk
School Health & Nutrition Program – Promoting Wellness in Rural Schools
The School Health & Nutrition Program (SHNP) is a joint initiative by the Punjab Health Sector Reforms Program, UNICEF, and the Education Department to improve the health and wellbeing of school-going children, especially in rural areas. This program plays a vital role in identifying common health issues in students, including problems related to eyes, ENT, dental hygiene, skin, and general physical health. After screening, students are referred to local health facilities for treatment, all free of cost.
By training teachers and involving students, the program aims to spread hygiene awareness not just in schools but across entire communities. School Health & Nutrition Supervisors visit each school once a month to conduct health sessions and check-ups. This early detection and referral system helps reduce absenteeism, improves learning, and promotes a healthy lifestyle among children. Parents, NGOs, and philanthropists are also encouraged to support treatment costs in rare cases.
Key Features of the School Health & Nutrition Program
- 🧑⚕️ Health screening for primary and middle school students
- 🦷 Free check-ups for eyes, ENT, dental, and skin issues
- 👨🏫 Training of school teachers to promote hygiene awareness
- 🏥 Referrals to BHUs, RHCs, and hospitals for free treatment
- 🧼 Focus on cleanliness and sanitation across communities
Honahaar Scholarship Program: Empowering Punjab’s Youth
The Honahaar Scholarship Program is a significant initiative by the Punjab government aimed at providing free higher education to deserving students in the province. This program seeks to uplift the youth of Punjab by covering all their educational expenses, including university/school/college fees, and transport costs. Students who meet the eligibility criteria can benefit from this scholarship and pursue their preferred fields of study at selected universities and colleges, ensuring they have access to quality education without financial barriers.
Eligibility Criteria for Honahaar Scholarship Program:
- Applicant must have domicile from any district of Punjab.
- Family monthly income should be less than Rs 300,000 (Affidavit Required).
- Applicant must be enrolled in selected disciplines from 3rd semester to 8th semester.
- Minimum CGPA for Public Sector Universities: ≥ 70% (Sciences) and ≥ 65% (Arts).
- Public Sector Medical and Dental Colleges require ≥ 60% in annual exams.
CM Solarization Program for Agriculture Tubewells
The Chief Minister Punjab’s Agriculture Tubewell Solarization Program is a transformative initiative to reduce the electricity bills of farmers by converting their electric and diesel-powered tubewells to solar energy. With a massive budget of 64 billion rupees allocated for this program, the Punjab government is offering farmers a 9 billion rupees subsidy to transition to solar-powered tubewells. This step will ensure that 7,000 tubewells are solarized within the next two years, helping farmers cut down on operational costs while promoting sustainable farming practices.
Eligibility Criteria & Subsidy Details:
- Eligibility: Punjab residents with a minimum of 1-acre land and ownership of an electric or diesel tubewell.
- Subsidy: Farmers will receive subsidies based on power capacity:
- 10 KW: PKR 500,000
- 15 KW: PKR 750,000
- 20 KW: PKR 1,000,000
- How to Apply: Apply online at cmstp.punjab.gov.pk.
- Helpline: Call 0800-17000 for further assistance (Available from 8 AM to 8 PM).
Punjab Dhee Rani Programme Collective Marriages Initiative
The Punjab Dhee Rani Programme, approved by Chief Minister Maryam Nawaz Sharif, is an initiative aimed at helping deserving families fulfill their social and religious obligations by facilitating collective marriages. This program seeks to support underprivileged families, particularly those facing financial constraints, in providing a dignified marriage ceremony for their daughters. Through this initiative, the government aims to foster hope, stability, and social responsibility, ensuring that those in need are not deprived of the opportunity to marry their daughters due to financial hardship.
Eligibility Criteria & Application Process:
- Eligible Applicants: Girls aged 18-40, including destitute, orphan, Persons with Disabilities (PWDs), or daughters of PWDs.
- Application: Can be submitted by the father, mother, guardian, or the bride herself.
- Residency Requirement: Applicant must be domiciled in Punjab.
- Selection Process: If more applications are received, selection will be made through electronic balloting.
- Required Documents: An affidavit confirming the applicant is unmarried and willing to participate in the collective wedding ceremony.