Punjab Disburses PKR 96.5 Billion Loans Under CM Kissan Card Program 2025
The Punjab Government has achieved a major agricultural milestone as it disburses PKR 96.5 Billion Loans Under CM Kissan Card Program, benefiting more than 710,000 farmers across the province.
Under the visionary leadership of Chief Minister Maryam Nawaz Sharif, the initiative aims to modernize agriculture, ensure food security, and empower small farmers through easy and interest-free loans.
The program’s success has positioned Punjab as a model province for agricultural inclusion, achieving a remarkable 97% recovery rate — a record for public-sector loan programs in Pakistan.
🟩 Empowering Farmers Through Digital Financing
The CM Punjab Kissan Card is designed to bring digital transformation and transparency to Pakistan’s agricultural financing system.
Through collaboration with the Punjab Agriculture Department, Bank of Punjab, and NADRA, the scheme enables farmers to access loans digitally — eliminating middlemen and paperwork delays.
Each eligible farmer can receive loans up to PKR 300,000, which can be used for purchasing certified seeds, fertilizers, pesticides, and modern agricultural equipment.
These short-term, revolving loans allow farmers to repay after harvest, ensuring liquidity throughout the cropping cycle.
“Our mission is to ensure that no farmer is left behind due to financial constraints,” said CM Maryam Nawaz, adding that the government’s top priority is to empower rural communities through modern financial access.
🚜 A Lifeline for Small and Marginal Farmers
Before the launch of the CM Kissan Card Program, small farmers often relied on private moneylenders who charged exorbitant interest rates.
With this initiative, farmers can now access interest-free or low-markup loans directly through authorized banks.
The government’s approach has transformed agricultural finance into a structured and accessible system, empowering farmers to make timely decisions for sowing, irrigation, and harvesting.
As per official figures, over 710,834 farmers have already benefited from the scheme in its first phase, covering all major agricultural districts including Multan, Bahawalpur, Faisalabad, Sahiwal, and Rahim Yar Khan.
🌾 Boosting Crop Productivity and Food Security
The financial injection of PKR 96.5 billion has had a direct impact on Punjab’s crop productivity and food output.
Farmers report improved access to quality inputs and fertilizers, which has resulted in higher wheat, rice, and cotton yields.
The scheme is also linked with smart monitoring systems that track loan utilization and ensure funds are used for genuine farming activities.
This integration of technology has made the Kissan Card Program one of the most transparent agricultural financing systems in South Asia.
According to agricultural experts, Punjab’s model can increase per-acre productivity by 15–20% if sustained for another two years.
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💳 Transparent Process & Digital Monitoring
Every Kissan Card issued under the program is connected to a dedicated farmer ID and biometric record.
The digital platform ensures that each transaction is recorded, preventing misuse and duplication.
Farmers can use their Kissan Card just like an ATM or debit card to withdraw or spend funds at registered agriculture input suppliers.
This model not only ensures accountability but also promotes financial inclusion, integrating thousands of rural citizens into Pakistan’s formal banking system.
🧑🌾 How Farmers Benefit – Key Features of the Scheme
| Feature | Details |
|---|---|
| Loan Limit | Up to PKR 300,000 per farmer |
| Interest Rate | Interest-free or low markup |
| Recovery Rate | 97% (highest in public schemes) |
| Eligible Uses | Fertilizer, seed, pesticides, machinery |
| Beneficiaries (2025) | 710,834 farmers |
| Total Disbursed Amount | PKR 96.5 billion |
| Partner Banks | Bank of Punjab & other Punjab Govt partners |
| Technology Partner | NADRA for biometric verification |
📈 Massive Economic Impact Across Punjab
The Kissan Card Program has created ripple effects across Punjab’s rural economy.
Local fertilizer dealers, seed companies, and tractor suppliers have reported increased sales, while thousands of farmers now enjoy better yield-to-cost ratios.
The enhanced income has allowed farmers to invest in education, healthcare, and livestock, improving overall living standards.
Furthermore, the program supports Punjab’s broader economic goals by stabilizing food supply, reducing imports, and increasing agricultural exports — especially wheat and rice.
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🌱 Maryam Nawaz’s Vision for Agricultural Revolution
Chief Minister Maryam Nawaz Sharif has declared agriculture a cornerstone of Punjab’s economic revival.
Under her leadership, the province is witnessing a shift from traditional subsidy-based aid toward financial empowerment and innovation.
She stated that the Kissan Card Program 2025 is part of a long-term plan to digitize agricultural finance, improve productivity, and make farmers self-sufficient.
“Our farmers are the backbone of Pakistan’s economy,” she said.
“We are equipping them with technology, access to credit, and training to make Punjab a global leader in sustainable agriculture.”
🌍 Future Expansion Plans
Encouraged by its success, the Punjab Government is planning to expand the Kissan Card Program in 2026 to include:
- Machinery Leasing Programs for modern tractors and harvesters.
- Crop Insurance to protect farmers from floods and droughts.
- Smart Subsidy Modules integrated with digital Kissan IDs.
- Linkages with E-Commerce Platforms for selling farm produce directly.
These expansions will transform the scheme into a complete digital agriculture ecosystem, connecting farmers to markets, finance, and technology.
💬 Public Response and Testimonials
Farmers across Punjab have expressed deep satisfaction with the program.
Many smallholders claim this is the first time they received timely credit without bribes or delays.
One farmer from Khanewal stated:
“Before the Kissan Card, I used to borrow from moneylenders at 20% interest. Now I get fertilizer and seeds easily and repay after harvest. My yield has doubled.”
Such testimonials highlight how policy-driven financial inclusion can change lives and bring long-term prosperity to rural Pakistan.
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✅ Conclusion – A New Era of Agricultural Empowerment
The CM Punjab Kissan Card Program 2025 represents a turning point for Pakistan’s agriculture.
By disbursing PKR 96.5 billion to 710,000+ farmers, the Punjab Government has shown that financial access can drive rural transformation.
With its transparent digital system, strong recovery rate, and farmer-centric policies, the scheme is now being seen as a model for other provinces.
Under CM Maryam Nawaz’s visionary leadership, Punjab’s agriculture is moving from survival to success — ensuring that every farmer has the tools, finance, and support needed to thrive.
“Empowered farmers, stronger Punjab — the promise of progress under CM Maryam Nawaz.”
📌 FAQs about PKR 96.5 Billion Loans Under CM Kissan Card Program 2025:
Q1. How much has the Punjab Government disbursed under the Kissan Card Program 2025?
A1. The government has disbursed PKR 96.5 billion to over 710,000 farmers.
Q2. What is the loan limit under the CM Kissan Card?
A2. Each farmer can avail loans up to PKR 300,000 for agricultural inputs.
Q3. Is the loan interest-free?
A3. Yes, the program offers interest-free or low-markup loans depending on the category.
Q4. How is transparency ensured in this scheme?
A4. Every Kissan Card is digitally linked with NADRA and the Bank of Punjab, ensuring transparent tracking.
Q5. How can farmers apply for the Kissan Card?
A5. Farmers can register through their nearest Agriculture Department office or the official Punjab Kissan Portal.
