Loans & Home Finance · Money
Kissan Card Punjab: an interest-free loan for farmers with 1 to 25 acres, up to Rs 360,000 per the department's undated poster. Eligibility and how to apply.
AI 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.
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.
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 Punjab government’s scheme page (archive copy of October 2025) and the Phase-II poster set these conditions:
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 if you aren’t sure your land is on record.
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.
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.
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.
You can pay at any Bank of Punjab branch, by interbank transfer, or through a Raast ID (see how Raast works). 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.
Yes. As of October 2026 the card is in its fourth repayment round:
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.
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 and gold loans. For housing, Punjab’s Apni Chhat Apna Ghar is also interest-free.
More guides: Loans · Gold loans compared · Apni Chhat Apna Ghar · Raast · Money
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.
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.
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.
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.
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.
Photo: AishaSaleemkhan100 / CC BY-SA 4.0
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