The CM Punjab Kisan Card Scheme 2026 is one of the largest agriculture relief initiatives launched for small farmers in Punjab. Through this digital card, eligible farmers can receive interest-free loans up to Rs. 150,000, along with direct subsidies on seeds, fertilizers, and pesticides.
Introduced by the Government of Punjab in collaboration with the Bank of Punjab, this scheme aims to reduce production costs, improve crop yield, and strengthen food security across the province.
What Is the CM Punjab Kisan Card Scheme 2026?
The Punjab Kisan Card 2026 is a digital agriculture credit and subsidy card designed specifically for small and medium farmers. Instead of cash handouts, the government provides a controlled credit limit per acre, ensuring that funds are used only for farming needs.
Key Purpose of the Scheme
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Provide interest-free agricultural loans
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Ensure transparent subsidy distribution
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Support farmers during each crop season
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Digitize agricultural support through e-wallets
CM Punjab Kisan Card 2026 – Key Details
| Scheme Feature | Details |
|---|---|
| Card Name | CM Punjab Kisan Card 2026 |
| Interest Rate | 0% (Interest-Free) |
| Maximum Loan | Rs. 150,000 |
| Credit Limit | Rs. 30,000 per acre |
| Land Limit | 1 to 12.5 acres |
| Registration Code | 8070 |
| Issuing Bank | Bank of Punjab (BOP) |
| Loan Duration | Per crop season (approx. 6 months) |
How to Apply for CM Punjab Kisan Card 2026 (Step-by-Step)
The registration process is simple and farmer-friendly.
Step 1: SMS Registration
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Open your mobile messaging app
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Type your CNIC number (without spaces or dashes)
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Send it to 8070
Step 2: Eligibility Confirmation
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You will receive an SMS confirming initial eligibility
Step 3: Online & Bank Verification
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Visit the official agriculture portal: agripunjab.gov.pk
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Visit your nearest Bank of Punjab branch
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Complete biometric verification
Step 4: Card Issuance
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Collect your Punjab Kisan Card
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Set your PIN and activate the card
📌 Summary: Farmers receive Rs. 30,000 per acre, with a maximum of Rs. 150,000 for eligible land.
Eligibility Criteria for Punjab Kisan Card 2026
To ensure only deserving farmers benefit, the government has set clear rules.
Who Can Apply?
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Permanent resident of Punjab with valid CNIC
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Owns 1 to 12.5 acres of agricultural land
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Land verified through PLRA records
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Not a bank defaulter
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Mobile SIM registered on own CNIC
Eligibility is cross-checked through PSER and land record databases.
Required Documents for Kisan Card Registration
Carry the following to avoid delays:
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Original CNIC
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Updated Fard / land ownership record
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Active mobile SIM (registered on CNIC)
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Biometric fingerprints at BOP branch
Benefits of CM Punjab Kisan Card Scheme 2026
This scheme is more than a loan—it’s a complete agricultural support system.
Major Advantages
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Interest-free capital for crop inputs
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Direct subsidy on DAP, Urea, seeds & pesticides
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Easy repayment after crop harvest
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Priority access to crop insurance (Takaful)
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Digital tracking of farming expenses
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Reduced dependence on informal lenders
Where Can the Punjab Kisan Card Be Used?
The card works like a restricted debit card for agriculture only.
Usage Locations
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Authorized fertilizer & seed dealers
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Selected agricultural input stores
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Limited cash withdrawal (for labor costs)
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Linked with other schemes like Green Tractor Program
All transactions are digitally recorded for transparency.
How to Check Kisan Card Balance & Status
Farmers can track their card status easily:
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SMS alerts from 8070 or BOP
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Bank of Punjab branch inquiry
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PSER / Agriculture portal login
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Agriculture helpline support
Helpline & Official Contact Information
For complaints or guidance:
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Agriculture Helpline: 0800-17000
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SMS Registration Code: 8070
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Bank of Punjab Helpline: 111-267-200
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Official Website: agripunjab.gov.pk
District agriculture offices also provide on-ground support.
Key Takeaway
CM Punjab Kisan Card Scheme 2026 provides interest-free loans up to Rs. 150,000 to small farmers owning 1–12.5 acres of land, along with direct subsidies on fertilizers and seeds through a digital card system.
Final Words
The CM Punjab Kisan Card Scheme 2026 is a powerful step toward farmer empowerment. By offering interest-free loans, digital subsidies, and easy repayment, the Punjab government is reducing production costs and supporting sustainable agriculture.
📌 Follow SmartAJK.pk for verified updates on Punjab agriculture schemes, farmer subsidies, and government relief programs.
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