# Kissan Card Punjab: who qualifies, loan limit and how to apply

URL: https://which.pk/money/guides/kissan-card-punjab/
Author: Ahtisham
Updated: 17 Oct 2026

## Summary

The CM Punjab Kissan Card is a Bank of Punjab card that gives farmers an interest-free loan for seed, fertiliser and other inputs. The Agriculture Department's undated Phase-II poster gives Rs 30,000 an acre, up to Rs 360,000, for farmers owning 1 to 25 acres, with 30% available as cash. You register by sending PKC and your CNIC to 8070. As of October 2026, card holders must repay the fourth round by 26 October to get the next loan.

## Key facts

- Maximum loan: Rs 360,000 (undated poster)
- Per acre: Rs 30,000
- Land owned: 1 to 25 acres
- Interest: None

The CM Punjab Kissan Card is a Bank of Punjab card that gives farmers an **interest-free loan** for seed, fertiliser and other farm inputs. The Agriculture Department's undated Phase-II poster gives **Rs 30,000 an acre, up to Rs 360,000**, to farmers who own **1 to 25 acres**, and lets you take **30% as cash**. You register by sending **PKC and your CNIC to 8070**. You repay after each crop season, and the next loan arrives once you have paid.

**Current repayment round:** Pay by 26 Oct 2026 (The Agriculture Department's 9 Oct 2026 press release says bills for the card's fourth round reach card holders by 15 October. Paying by 26 October enters you in a lucky draw for tractors, motorcycles and mobile phones.)

## How much loan does the Kissan Card give?

The limit has gone up since the card launched.

| | At launch | Phase II (current poster) |
|---|---|---|
| Per acre | Rs 30,000 | Rs 30,000 |
| Maximum per farmer | Rs 150,000 a season (5 acres) | Rs 360,000 |
| Land owned | 1 to 12.5 acres | 1 to 25 acres |
| Cash withdrawal | Not stated | 30% of the loan |
| Interest | None | None |

At Rs 30,000 an acre, you reach the Rs 360,000 cap at 12 acres, so a farmer with 20 acres still gets at most Rs 360,000. Taking 30% in cash on the full amount would be Rs 108,000.

In between, Dawn reported in May 2025 that the Punjab government had announced raising the limit from Rs 150,000 to Rs 300,000. The Nation reported in May 2025 that farmers could use 30% of the loan as cash and 25% for diesel.

**The Rs 360,000 figure has no date on it:** It comes from the Phase-II poster on the Agriculture Department's Kissan Card page, which was live on 17 October 2026 but carries no date. The same poster gives Rs 350 billion in loans for 1,000,000 farmers. Your own limit is worked out from your verified acreage at Rs 30,000 an acre.

## Who is eligible for the Kissan Card?

The Punjab government's scheme page (archive copy of October 2025) and the Phase-II poster set these conditions:

- You **own** agricultural land in Punjab: **1 to 25 acres** under Phase II (12.5 acres at launch).
- Your land record is in the **PLRA** (Punjab Land Records Authority) system.
- Your mobile **SIM is registered on your own CNIC**.
- You pass checks with **NADRA**, PMD (which verifies your SIM registration) and the **e-CIB** credit bureau.

The scheme page says the loan can only be used to buy farm inputs such as fertiliser and seed. Land records come from PLRA; see our guide to [checking your fard online in Punjab](/property/guides/fard-online-punjab/) if you aren't sure your land is on record.

## How do I apply for the Kissan Card?

1. **Send the SMS.** Type **PKC**, a space, then your 13-digit CNIC number, and send it to **8070**. Use a SIM registered on your own CNIC.
2. **Wait for verification.** Your land is checked against PLRA records, your CNIC with NADRA, your SIM registration, and your credit record with e-CIB.
3. **Get your card.** Once you are verified, Bank of Punjab issues the Chief Minister Kissan Card.
4. **Buy inputs.** Use the card at registered input dealers, and keep track of spending through the free transaction SMS alerts.

The steps are from the Punjab government's scheme page, Internet Archive copy of October 2025. We found no official last date for new registrations. In July 2026 The Nation reported 900,000 cards issued, and Pakistan Today a target of one million by 31 August 2026; we found no later figure.

## Where can I use the Kissan Card?

The Agriculture Department publishes **district-wise lists of registered dealers** for 36 districts, and a list of **PSO filling pumps** that accept the card. Both are linked from its [Kissan Card page](https://agripunjab.gov.pk/kissan-card).

Most of the money goes on fertiliser. In July 2026 officials told The Nation that about 80% of Kissan Card loans had been used to buy fertiliser.

The card has also carried government payments. In May 2025 Aaj News reported Rs 5,000 an acre in wheat support paid to 600,000 farmers through the card.

## How do I pay the Kissan Card bill?

You can pay at any **Bank of Punjab branch**, by **interbank transfer**, or through a **Raast ID** (see [how Raast works](/money/guides/raast/)). The scheme page (archive copy, October 2025) says each card runs for six months, with a one-month grace period to repay.

There is no interest, but the next loan is credited only after you pay. The department rewards on-time payers with lucky draws. In the third round, the 28 April 2026 draw gave 10 tractors, 10 Umrah tickets, 60 motorbikes and 60 mobile phones to farmers who paid by 25 April.

## Is the Kissan Card still running in 2026?

Yes. As of October 2026 the card is in its **fourth repayment round**:

- **16 Apr 2026:** third-round bills opened, with lucky-draw deadlines of 25 April and 5 May.
- **9 Oct 2026:** fourth-round bills announced, due by **26 Oct 2026**.

Punjab's 2026-27 budget set aside **Rs 6.75 billion** for Phase II of the programme and Rs 2.47 billion for the Kissan Card initiative, APP reported in June 2026.

**Loan totals don't agree:** In June 2026 the Chief Minister said farmers had bought over Rs 100 billion of inputs in the wheat season, with Rs 67 billion due and 86% recovered (The Nation). In July officials said Rs 360 billion had been lent, with 99% recovery (The Nation and Pakistan Today). The undated poster says Rs 350 billion. We can't reconcile the two, so treat totals as the government's own claims.

## What is the Kissan Card helpline?

The Agriculture Department helpline is **0800-17000**, open daily from 8am to 8pm. Bank of Punjab's website blocked our requests on 17 October 2026, so we couldn't confirm its Kissan Card number; the department's notices send you to Bank of Punjab branches for payments.

Register only through the 8070 SMS code and government or Bank of Punjab channels. Many sites with "kissan card" in their name are not run by the government.

If you need finance beyond inputs, compare [business loans](/money/guides/business-loan-pakistan/) and [gold loans](/money/guides/gold-loan-pakistan/). For housing, Punjab's [Apni Chhat Apna Ghar](/money/guides/apni-chhat-apna-ghar/) is also interest-free.

**More guides:** [Loans](/money/loans/) · [Gold loans compared](/money/guides/gold-loan-pakistan/) · [Apni Chhat Apna Ghar](/money/guides/apni-chhat-apna-ghar/) · [Raast](/money/guides/raast/) · [Money](/money/)

## Questions people ask

### How do I apply for the Kissan Card in Punjab?

Send an SMS with PKC, a space and your 13-digit CNIC to 8070, from a SIM registered on your own CNIC. Your land is checked with PLRA and your CNIC with NADRA before Bank of Punjab issues the card.

### What is the Kissan Card helpline number?

The Punjab Agriculture Department helpline is 0800-17000, open daily from 8am to 8pm. We couldn't open Bank of Punjab's website to confirm its own number.

### What is the Kissan Card last date in 2026?

The 26 October 2026 date in the news is for repaying, not applying: card holders were asked to pay their fourth-round bill by then. We found no official last date for new applications.

### How do I pay my Kissan Card bill?

At any Bank of Punjab branch, by interbank transfer, or by Raast ID. The Agriculture Department says the next interest-free loan is credited to your card within 48 hours of paying.

### Can I withdraw cash from the Kissan Card?

Yes, part of it. The Agriculture Department's Phase-II poster says 30% of the loan can be withdrawn as cash. The rest is spent at registered input dealers.

## Sources

- [Chief Minister's Punjab Kissan Card (page and Phase-II posters)](https://agripunjab.gov.pk/kissan-card), Agriculture Department, Government of the Punjab (accessed 17 Oct 2026)
- [Press release, 9 Oct 2026: fourth-round Kissan Card recovery (Urdu)](https://agripunjab.gov.pk/system/files?file=PR%2009102026.pdf), Directorate General Agriculture Information Punjab (accessed 17 Oct 2026)
- [Press release, 21 Apr 2026: third-round Kissan Card bills (Urdu)](https://agripunjab.gov.pk/system/files?file=PR%2021042026.pdf), Directorate General Agriculture Information Punjab (accessed 17 Oct 2026)
- [Press release, 28 Apr 2026: Phase III recovery lucky draw (Urdu)](https://agripunjab.gov.pk/system/files?file=PR%2028042026.pdf), Directorate General Agriculture Information Punjab (accessed 17 Oct 2026)
- [CM Kissan Card Scheme (Internet Archive copy of 8 Oct 2025)](https://web.archive.org/web/20251008102235/https://punjab.gov.pk/cm-kissan-card-scheme), Government of the Punjab (accessed 17 Oct 2026)
- [Punjab issues 900,000 Kissan Cards, targets one million farmers (1 Jul 2026)](https://www.nation.com.pk/01-Jul-2026/punjab-issues-900-000-kissan-cards-targets-one-million-farmers), The Nation (accessed 17 Oct 2026)
- [Punjab's Kissan Card drive hits 900,000 as Rs360b loans fuel farm revolution (1 Jul 2026)](https://www.pakistantoday.com.pk/2026/07/01/punjabs-kissan-card-drive-hits-900000-as-rs360b-loans-fuel-farm-revolution), Pakistan Today (accessed 17 Oct 2026)
- [Over 832,000 farmers receive Kissan Cards in Punjab (4 Jun 2026)](https://www.nation.com.pk/04-Jun-2026/832-000-farmers-receive-kissan-cards-punjab-says-maryam-nawaz), The Nation (accessed 17 Oct 2026)
- [Punjab allocates Rs60b for agriculture development in FY 2026-27 budget](https://www.app.com.pk/?p=1227943), APP (accessed 17 Oct 2026)
- [Kissan card 2nd phase to benefit farmers owning up to 25 acres (1 May 2025)](https://www.nation.com.pk/01-May-2025/kissan-card-2nd-phase-to-benefit-farmers-owning-up-to-25-acres), The Nation (APP) (accessed 17 Oct 2026)
- [Kissan Card loans raised from Rs150,000 to Rs300,000 (16 May 2025)](https://www.dawn.com/news/1911323), Dawn (accessed 17 Oct 2026)
- [CM Punjab approves wheat support price for 600,000 farmers (12 May 2025)](https://english.aaj.tv/news/amp/330416051), Aaj News (accessed 17 Oct 2026)