CM Punjab Launches Livestock Card Phase 2 – Empowering Rural Women Across South Punjab 2025
The Punjab Government has taken another historic step toward economic empowerment and financial inclusion with the official launch of the CM Punjab Launches Livestock Card Phase 2 under Chief Minister Maryam Nawaz Sharif’s leadership.
Following the massive success of Phase 1, which provided PKR 2.83 billion in financing to more than 24,700 rural women, Phase 2 is set to expand the reach of interest-free livestock loans across additional South Punjab districts.
This initiative marks a major stride in Maryam Nawaz’s commitment to uplifting rural women, promoting livestock entrepreneurship, and strengthening the provincial agricultural economy through smart financing and digital transparency.
🌾 CM Punjab Livestock Card Program 2025 – A Game Changer for Rural Economy
The Livestock Card Program Punjab has emerged as one of the most impactful initiatives under the government’s Women Empowerment and Financial Inclusion Policy. The card enables rural women farmers to obtain interest-free loans up to PKR 540,000 for purchasing livestock such as cows, buffaloes, and goats.
Each beneficiary receives a digital Livestock Card linked to the Bank of Punjab (BOP), which ensures transparency and ease of access. Unlike traditional lending, no intermediaries are involved, and all disbursements are made digitally and directly into the beneficiary’s account.
According to official data, the recovery rate in Phase 1 was 96%, a figure that highlights the discipline, integrity, and success of Punjab’s rural women entrepreneurs.
👩🌾 Women Empowerment Through Livestock Financing in Punjab
One of the major focuses of CM Punjab Livestock Card Phase 2 is the empowerment of women in rural communities. For decades, women in villages have been actively engaged in livestock rearing, milk production, and animal care, yet lacked access to formal credit systems.
This program changes that reality — giving them direct control over financial decisions, income generation, and asset ownership.
Through this card:
- Women can purchase productive livestock for income generation.
- They gain access to feed, vaccines, and veterinary care from verified suppliers.
- They receive training and guidance on animal health and dairy production.
- Each woman becomes a self-reliant micro-entrepreneur contributing to her household income.
CM Maryam Nawaz Sharif emphasized, “When a woman owns livestock, she owns her dignity. The CM Punjab Livestock Card is not just financial support — it’s a symbol of empowerment and independence.”
Check Also: How to Get Interest-Free Loan Through Punjab Kisan Card Phase 2
If you are a rural woman or small-scale dairy farmer in Punjab looking for an easy and interest-free way to buy cows, buffaloes, or goats, the CM Punjab Livestock Card 2025 is a life-changing opportunity. Instead of taking costly loans from informal lenders or being dependent on middlemen, beneficiaries can now receive up to PKR 540,000 through a fully digital, government-backed livestock financing system. Under the leadership of Chief Minister Maryam Nawaz Sharif, this initiative aims to boost income generation, promote livestock entrepreneurship, and uplift thousands of rural families through transparent financing and modern monitoring.
Read Also: CM Punjab Livestock Card Phase 2 Apply Online 2025
🔹Key Benefits of CM Punjab Livestock Card 2025
- ✅ Interest-free financing up to PKR 540,000 per beneficiary
- ✅ 25% subsidy on loan repayment under Phase 2
- ✅ Smart debit card linked with Bank of Punjab (BOP) for cashless purchases
- ✅ No middlemen or intermediaries — direct verified vendor transactions
- ✅ Access to animal feed, medicines, and veterinary support
- ✅ Eligible women receive training in dairy management and financial literacy
- ✅ Empowers women to become independent income earners
Read Also: Who Is Eligible for Punjab Livestock Card Phase 2
🔹How to Apply for the CM Punjab Livestock Card – Step-by-Step
- Visit your nearest Bank of Punjab (BOP) branch
- Request the Livestock Card Application Form
- Submit valid CNIC and proof of livestock ownership or land tenancy
- Complete NADRA biometric verification
- Attend orientation/training session arranged by the Livestock Department
- Receive Digital Livestock Smart Card with PIN
- Use the card to buy livestock, feed, or dairy supplies from approved vendors
🔹Phase 1 vs Phase 2 – Comparison Table
| Feature | Phase 1 | Phase 2 |
|---|---|---|
| Loan Limit | PKR 300,000 | PKR 540,000 |
| Districts Covered | 12 | 22 |
| Repayment Subsidy | 15% | 25% |
| Insurance Facility | Limited | Introduced |
| Monitoring System | Basic | Full GPS & Digital Ledger |
| Training Support | Minimal | Mandatory with Certification |
The CM Punjab Livestock Card 2025 is being recognized as one of the best government loan schemes for dairy farmers in Pakistan. Unlike traditional bank loans, this initiative offers interest-free livestock financing for women involved in cattle farming, milk production, and goat rearing. Many farmers are searching online for “How to get government loan for cows in Punjab”, “Maryam Nawaz livestock loan apply online”, “Interest-free buffalo loan scheme”, and this program is the official and verified answer for all such queries.
💳 How the CM Punjab Livestock Card Works – Digital Finance for Farmers
The Livestock Card operates as a smart debit card issued by the Bank of Punjab (BOP). Beneficiaries can use the card to purchase approved livestock, animal feed, medicines, and other farming essentials from registered vendors.
🔑 Key Features of the CM Punjab Livestock Card 2025:
- 💰 Interest-Free Financing up to PKR 540,000 per borrower.
- 📲 Digital Transactions monitored by BOP and Livestock Department.
- 🧾 Transparent Ledger System with real-time repayment tracking.
- 🐄 Vendor Verification to ensure authenticity of purchases.
- 🔐 NADRA-Linked Biometric Verification for beneficiaries.
This digital-first model ensures that funds are utilized effectively and that beneficiaries receive maximum benefit without bureaucratic delays.
📍 Phase 2 Expansion – Districts Covered Under Livestock Card Program Punjab
After the successful completion of Phase 1 in 12 key districts including Bahawalpur, Lodhran, Multan, Vehari, and Dera Ghazi Khan, the CM Punjab Livestock Card Phase 2 now extends its reach to additional 10 districts across South Punjab:
- Muzaffargarh
- Rajanpur
- Layyah
- Rahim Yar Khan
- Khanewal
- Bhakkar
- Jhang
- Mianwali
- Okara
- Sahiwal
With this expansion, the government aims to benefit 50,000 new rural women borrowers and disburse over PKR 5 billion in livestock loans during FY 2025–26.
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📊 Economic Impact of Livestock Financing in Punjab
The economic multiplier effect of livestock financing has been substantial. In Phase 1 alone:
- Over 24,700 women directly benefited.
- More than 2.5 lakh livestock were purchased.
- Milk production increased by 15–20% in pilot districts.
- Local dairy markets saw a rise in women-led milk supply chains.
Phase 2 aims to strengthen this success by introducing livestock insurance, digital training modules, and on-ground veterinary support for borrowers.
According to economic experts, livestock contributes nearly 11% to Pakistan’s GDP, and such programs can significantly enhance rural employment and food security across Punjab.
🏦 Bank of Punjab’s Role in CM Punjab Livestock Card 2025
The Bank of Punjab is the official financial partner of this program, managing all lending, repayments, and verifications digitally.
BOP has developed a dedicated Livestock Credit Portal integrated with the Punjab Information Technology Board (PITB), allowing government officials to track every transaction transparently.
🧠 Smart Monitoring Includes:
- Real-time disbursement tracking.
- Recovery performance monitoring.
- Automated beneficiary verification.
- GPS-tagged vendor payments.
This approach ensures that every rupee disbursed is accounted for and used for its intended purpose.
🌍 Maryam Nawaz Vision 2025 – Integrating Livestock Card with Other Punjab Schemes
Under Maryam Nawaz Vision 2025, the CM Punjab Livestock Card is a part of a broader Financial Inclusion Ecosystem. The government plans to interlink it with:
- CM Punjab Kissan Card – for agricultural input financing.
- Asaan Karobar Card – for small and medium enterprise funding.
- Apni Chat Apna Ghar Scheme – for affordable housing loans.
This integration will allow beneficiaries to access multiple forms of financing through a single digital profile, enabling holistic development of rural families.
Check Also: Punjab Government Disburses PKR 276 Billion Under CM Financial Inclusion Programs 2025
🧾 Eligibility Criteria for CM Punjab Livestock Card Phase 2
To apply for the Livestock Card 2025, applicants must fulfill the following criteria:
- Must be a resident of Punjab with valid CNIC.
- Must own or lease livestock or agricultural land.
- Must be registered with the Livestock Department.
- Must attend a training and orientation session on program usage.
- Apply through Bank of Punjab branches or the official Punjab Livestock App.
The verification process is fully digital, and applicants can check their loan approval status online or through SMS.
📈 Training, Monitoring, and Sustainable Development Goals
The Livestock Department Punjab, in collaboration with the Punjab Skills Development Fund (PSDF), has initiated a capacity-building program for female beneficiaries.
These training modules include:
- Dairy management techniques.
- Animal vaccination schedules.
- Feed optimization and nutrition.
- Basic bookkeeping and mobile banking use.
This aligns with the United Nations Sustainable Development Goals (SDGs) — particularly Goal 1 (No Poverty) and Goal 5 (Gender Equality).
🗣️ Voices from the Field – Success Stories
Beneficiaries from Phase 1 have already reported significant improvements in their income and lifestyle.
A farmer from Bahawalpur shared,
“Before this program, I used to borrow money from local lenders at 20% interest. Now, I have two buffaloes, sell milk daily, and repay my loan on time without any stress.”
These stories represent how small interventions, when designed with transparency, can transform lives and revitalize rural economies.
Check Also: Punjab Disburses PKR 96.5 Billion Loans Under CM Kissan Card Program 2025
❓ Frequently Asked Questions (FAQs) about CM Punjab Launches Livestock Card Phase 2:
1️⃣ What is the CM Punjab Livestock Card Phase 2?
The CM Punjab Livestock Card Phase 2 is a government program launched under Maryam Nawaz Sharif’s leadership to provide interest-free loans up to PKR 540,000 to rural women for purchasing livestock and animal feed.
2️⃣ Who is eligible for the CM Punjab Livestock Card?
Women who are residents of Punjab, own or lease livestock or agricultural land, and are registered with the Punjab Livestock Department are eligible to apply for the Livestock Card 2025.
3️⃣ How can I apply for the CM Punjab Livestock Card Phase 2?
Applicants can apply through the nearest Bank of Punjab (BOP) branch or via the official Punjab Livestock mobile app, where they must complete biometric verification and attend a short orientation session.
4️⃣ What is the loan limit under the CM Punjab Livestock Card Scheme?
Under Phase 2, eligible women can receive up to PKR 540,000 in interest-free financing for purchasing cows, buffaloes, goats, feed, and dairy equipment from registered vendors.
5️⃣ Which districts are included in CM Punjab Livestock Card Phase 2?
Phase 2 has expanded to include 10 new districts of South Punjab, including Muzaffargarh, Rajanpur, Layyah, Rahim Yar Khan, and Khanewal, benefiting over 50,000 women farmers by 2025–26.
✅ Conclusion – A Vision of Empowered Women and Prosperous Punjab
The CM Punjab Livestock Card Phase 2 is more than a credit program — it’s a movement for rural empowerment. By providing women with the tools, training, and trust to manage their own businesses, the Punjab Government is nurturing a new generation of financially independent rural entrepreneurs.
With over PKR 5 billion set to be disbursed in 2025, the program will not only uplift thousands of households but also strengthen Pakistan’s livestock economy, improve food security, and inspire other provinces to replicate its success.
