Maryam Nawaz Announces Livestock Card Scheme Phase 2 — Get Rs 540,000 Loan on Easy Installments 2025
The Punjab government has officially launched the much-awaited Livestock Card Scheme Phase 2, offering farmers a remarkable opportunity to access Rs 540,000 loan on easy installments for cattle feed, veterinary medicines, and dairy farm expansion. The scheme, introduced under the leadership of Chief Minister Maryam Nawaz, is being seen as one of the most practical and farmer-friendly initiatives in recent years.
Unlike traditional agricultural loans that involve complex paperwork and bank visits, this scheme allows farmers to apply digitally and receive a debit-style livestock card powered by the Punjab Livestock Card Scheme 2025 in partnership with Bank of Punjab. The card will enable farmers to purchase approved feed and veterinary goods without any cash handling, ensuring transparency and controlled spending.
Read Also: CM Punjab Livestock Card Phase 2 Apply Online 2025
A Digital Loan Revolution for Cattle Owners
The Livestock Card Scheme Phase 2 is not only a financial support program but also a digital transformation leap in the livestock sector. Instead of burdening farmers with traditional loan procedures, the government has introduced a card-based facility similar to a shopping or ATM card. However, unlike ordinary bank cards, this livestock card can only be used for animal-related purchases at registered feed mills, veterinary stores, and livestock supply centers.
This controlled distribution ensures that the Maryam Nawaz Farmer Loan Program directly benefits cattle health and dairy productivity rather than being spent elsewhere. Farmers can avail Rs 540000 Cattle Loan Installments with flexible repayment options spread over one to three years.
Government officials have clarified that this is not a subsidy-only project but a sustainable revolving loan mechanism, which means that once a farmer repays, he can apply again for a higher limit.
Eligibility Criteria – Who Can Apply for Livestock Card Scheme Phase 2 2025?
The application standards have been kept extremely simple to ensure that both small-scale and medium dairy farmers can take advantage of the opportunity. The following conditions must be met:
- Applicant must be a resident of Punjab
- Must own at least two cattle animals such as cow, buffalo, bull, or goat
- Must possess a valid CNIC
- Mobile number must be registered in the applicant’s own name
- In case of tenant farming, land ownership is not compulsory
- Women farmers are highly encouraged to apply
This inclusive model makes the Dairy Farmers Subsidy Scheme Punjab accessible to rural women and youth who usually remain excluded from financial schemes.
Read Also: Who Is Eligible for Punjab Livestock Card Phase 2
Required Documents
The registration process has been designed to be completely hassle-free. Applicants only need the following:
- CNIC copy
- Recent photograph
- Animal ownership verification (ear tag number or livestock officer confirmation)
- Registered mobile number
- Optional bank account (Bank of Punjab will open one if unavailable)
No land documents, income records, or guarantors are required, which removes the biggest barrier to financing in rural areas.
How to Apply for Livestock Card Phase 2
Applicants can register easily through SMS or online portal.
Method 1: SMS Registration
- Type: PLC (Space) Your CNIC Number
- Send to 8070
- Receive confirmation and wait for a verification call
Method 2: Online Portal Submission
- Visit https://plc.punjab.gov.pk
- Click on Livestock Card Phase 2 Apply Online
- Fill in basic details and submit
Applicants may also call 9211 for support, making the procedure even more accessible for villagers.
Read Also: Punjab Livestock Relief Program 2025
Loan Structure and Repayment Policy
The Punjab Livestock Card Scheme 2025 follows a structured policy that balances flexibility with responsible financing.
| Feature | Details |
|---|---|
| Maximum Loan Limit | Rs 540,000 |
| Repayment Schedule | Monthly or Seasonal Installments |
| Markup | Interest-free for approved categories or minimal markup |
| Subsidy Facility | Available on selected feed, medicines, and services |
| Card Type | Digital Mastercard linked to livestock account |
Farmers can conveniently repay through milk sales, animal trade, or whatever method suits their income pattern. There is no immediate pressure or harsh penalty like conventional banks.
What Can Be Purchased Using This Card?
The Livestock Card Scheme Phase 2 strictly allows transactions related to animal care and feed. Purchases may include:
- Silage, fodder, and green feed
- Mineral supplements
- Dairy cattle medicines
- Veterinary vaccines
- Milk production boosters
No cash withdrawals are permitted to ensure loan usage remains strictly within livestock development.
Expected Impact on Punjab’s Dairy Economy
Punjab is Pakistan’s largest milk-producing province, contributing more than 70 percent of total national dairy output. However, due to high feed costs, many farmers are forced to reduce herd sizes or compromise animal health. Analysts believe that if implemented efficiently, the Maryam Nawaz Farmer Loan Program could lead to:
- Increased milk yield per animal
- Lower dependency on middlemen
- Reduction in premature cattle sales
- Women and youth participation in dairy entrepreneurship
Agriculture economists also note that such schemes can reduce rural poverty and improve nutrition levels among farmer communities.
Expert Views and Public Response
While formal distribution has just begun, early feedback from trial districts suggests that farmers are appreciating the ease of application. However, awareness remains a challenge. Many families in remote areas still do not understand that this is not a government grant but a controlled subsidy-based loan system.
Officials are advising farmers to treat the Livestock Card responsibly. Timely repayments will give them future access to higher credit limits.
Common Questions Answered About Maryam Nawaz Livestock Card Scheme Phase 2
Can farmers withdraw cash from the card?
No, cash withdrawal is not permitted. The card is restricted to purchases at verified livestock merchants.
Can landless farmers apply?
Yes. The scheme is open to tenant and small-scale dairy owners as well.
Do farmers need guarantors or collateral?
No third-party guarantee is required.
How long does approval take?
Normally within one to three weeks after livestock verification.
Will the scheme continue after elections or government change?
The program is structured under bank partnership contracts, making it likely to continue regardless of political shifts.
Conclusion – A Rare Chance That Should Not Be Ignored
The Livestock Card Scheme Phase 2 has arrived at a time when inflation in fodder costs is pushing farmers to financial limits. Rather than offering one-time subsidies or small compensations, the Punjab government has introduced a long-term revolving financing solution that empowers farmers to invest in their dairy production without falling into high-interest debt traps.
This model promotes dignity instead of charity. It gives farmers control over their purchases while ensuring that funds are spent only on livestock welfare.
Those who delay application may lose their chance. Financial programs are usually rolled out in phases, and only early applicants benefit from quicker approvals. Farmers who truly wish to stabilise their income and grow their dairy setup should apply immediately through SMS or portal, keep their mobile phone active for verification calls, and cooperate with the livestock inspector.
If implemented responsibly, this program could become the biggest turning point for Punjab’s dairy economy and set a national example for farmer credit reform.
