BISP Sahulat Account 2025 October Eligibility & Online Application Guide
The Government of Pakistan has introduced the BISP Sahulat Account 2025 under the Benazir Income Support Programme to make digital payments easier, faster, and more transparent for beneficiaries. Starting from October 2025, all eligible women will be able to receive their monthly BISP stipends directly into their Sahulat Bank Account instead of standing in long queues at cash centers or facing deductions from agents.
This new banking system is designed to BISP Sahulat Account 2025 with ATM access, debit card facility, and savings options. Beneficiaries will no longer be dependent on shopkeepers or retailers to withdraw their payments. Instead, they will receive a personal bank account linked to BISP, which can be used for cash withdrawal, utility bill payments, and mobile top-ups.
According to BISP October Update, over 32 lakh women have been shortlisted for migration to the Sahulat Account model, while the remaining beneficiaries will be shifted phase-wise after document verification. The government has partnered with HBL, UBL, Meezan Bank, and Alfalah to open free-of-cost bank accounts for eligible beneficiaries across Pakistan.
Before applying for the BISP Sahulat Account, it is important to understand who is eligible under the newly updated 2025 criteria. Unlike the previous system where payments were handed out without strict screening, the new Sahulat Account model only allows genuine low-income women to be registered through NADRA-verified records and biometric confirmation. This ensures that government funds are not misused by ineligible or duplicate recipients.
The eligibility is determined through the National Socio-Economic Registry (NSER) survey, where every applicant’s poverty score or PMT score is recorded. Only those who fall under the approved low-income threshold are shortlisted for Sahulat Account activation. Even if a woman was receiving BISP payments earlier, her NADRA data, mobile SIM ownership, and CNIC status are now checked again before the account is opened.
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Key Benefits of BISP Sahulat Account 2025
- ✅ Direct Deposit — Payments are transferred instantly without delays
- ✅ No Deductions by Agents or Retailers
- ✅ Debit / ATM Card for Easy Withdrawals Anytime
- ✅ Can Be Used for Utility Bills & Mobile Payments
- ✅ Free SMS Alerts for Every Transaction
- ✅ Secure Savings Option for Women
- ✅ Eligible for Future Loan & Subsidy Schemes Linked to Account
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Eligibility Criteria for BISP Sahulat Account:
- Be an officially registered BISP Kafalat beneficiary (listed in NSER / 8171 system).
- Hold a valid Computerized CNIC (expired CNICs will not be accepted).
- Have a PMT (poverty score) below 32 as per the Benazir Income Support Poverty Registry.
- Mobile SIM must be registered in the applicant’s own CNIC for SMS verification and OTP code.
- Must not be a government employee, pension holder, or taxpayer.
- No record of luxury assets, property ownership, or international travel (last 5 years).
- Biometric verification must be completed at BISP Tehsil Office or partner bank counter.
- Name must match on CNIC, NSER data, and bank application form, otherwise account may be delayed.
How to Apply for BISP Sahulat Account – Step-by-Step
- Send your CNIC to 8171 to confirm your eligibility
- If selected for Sahulat Account migration, visit nearest partner bank (HBL / UBL / Meezan / Alfalah)
- Complete biometric verification at bank counter
- Fill a simple account opening form (free of cost)
- Receive ATM / Debit Card within 7 to 14 days
- Your next BISP installment will be transferred directly into this account.
Latest Data October 2025 Update:
| Province | Beneficiaries Shifted to Sahulat Account |
|---|---|
| Punjab | 1.4 Million |
| Sindh | 0.9 Million |
| KPK | 0.5 Million |
| Balochistan | 0.2 Million |
| AJK & GB | 0.1 Million |
The remaining 15+ lakh women will be migrated in Phase-2, tentatively scheduled for January 2026.
FAQs Frequently Asked Questions:
1. Is the Sahulat Account mandatory for all BISP beneficiaries?
➡ Yes, all beneficiaries will gradually be shifted to this model.
2. Can I withdraw money from any ATM?
➡ Yes, from HBL, UBL, Alfalah, and Meezan ATMs nationwide.
3. Will I still get cash from retailers?
➡ No, payments will only come through bank accounts.
4. Can I use this account for other deposits?
➡ Yes, you can receive remittances and save money as well.
5. Is there any account opening fee?
➡ No, it’s completely free under BISP partnership.
6. What if I don’t receive the ATM card?
➡ Visit the bank branch and show your CNIC to collect it.
7. Can widows or divorcees apply separately?
➡ Yes, they are given priority under the program.
8. Can men open Sahulat Accounts?
➡ Only female heads of households registered under BISP.
9. What if my CNIC has expired?
➡ Renew it from NADRA first, then reapply.
10. Will I get more money than before?
➡ The payment amount remains same, but now you get full amount without deductions.
BISP 8171 2025 Conclusion:
The BISP Sahulat Account 2025 is a major step towards digital financial empowerment of women in Pakistan. With direct deposits, full transparency, and ATM-based withdrawals, this system removes corruption, delays, and dependency on middlemen. Beneficiaries now have freedom to access their funds anytime, save money securely, and prepare for future subsidy schemes linked to their banking history.
If you are a BISP beneficiary, don’t delay — check your eligibility via 8171, visit the partner bank, and complete your account activation. Soon, all payments will be bank-based, and those who fail to migrate may face delays in receiving future installments.
By adopting this modern system, BISP aims to bring over 7 million women into the formal banking network, making Pakistan’s social welfare system more inclusive and efficient.
