Who Is Eligible for Punjab Livestock Card Phase 2 ? Full Details of Rs 540,000 Cattle Loan Scheme
The Who Is Eligible for Punjab Livestock Card Phase 2 has officially launched Phase 2 of the Punjab Livestock Card Scheme, offering up to Rs 540,000 interest-free or low-markup financing to dairy farmers and livestock owners. This initiative is designed to support small and medium farmers who struggle with high animal feed costs and limited access to loans. By providing digital financing through a smart livestock card, the government aims to make cattle farming easier, more profitable, and more sustainable.
Livestock is one of the biggest income sources for rural families in Punjab. However, many farmers lack proper resources to purchase quality feed or buy additional animals to expand their business. Private loans are often expensive and risky, pushing farmers into debt. To solve this long-standing issue, Chief Minister Maryam Nawaz Sharif has introduced a structured loan scheme that offers easy installments, government subsidy, and zero collateral requirements.
Under this scheme, eligible farmers can use the Punjab Livestock Card to purchase animal feed, medicines, and even cows or buffaloes from registered suppliers. Instead of receiving cash, the card works like a pre-approved credit limit, ensuring transparency and preventing misuse. Additionally, the government covers 25% of the feed expense, reducing the financial burden on farmers.
If you are wondering who qualifies for this offer, how to apply, or what documents are needed, this complete guide explains everything in detail. From eligibility criteria to subsidy benefits and FAQs — you will find all the answers before applying for the Rs 540,000 Cattle Loan Scheme under Punjab Livestock Card Phase 2.
Introduction — Why the Livestock Card Scheme Matters for Farmers:
Livestock farming is the backbone of Pakistan’s rural economy. Thousands of families depend on cows, buffaloes, and goats for milk, meat, and income — yet most farmers struggle due to high fodder costs, expensive veterinary care, and lack of financing.
To solve this issue, the Punjab government, led by CM Maryam Nawaz Sharif, has introduced the Punjab Livestock Card — a digital financial tool that allows farmers to purchase animal feed and livestock on easy repayment terms.
The first phase of this scheme received an overwhelming response, enabling hundreds of farmers to enhance milk production and income. Now, Phase 2 is open with expanded eligibility and increased loan limits.
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Punjab Livestock Card Loan — Rs 540,000 Financing Structure:
| Category | Details |
|---|---|
| Maximum Loan Amount | Rs 540,000 |
| Subsidy on Feed | 25% Government Subsidy |
| Initial Down Payment | Starts from Rs 135,000 |
| Financing Type | Shariah-compliant installment plan |
| Usage | Purchase of cows/buffaloes & animal feed |
| Repayment Mode | Monthly or seasonal installments |
| Scheme Type | Interest-free / low-markup |
This financing can be used exclusively for livestock-related expenses. Cash withdrawal for non-farming usage is restricted.
Who Is Eligible for Punjab Livestock Card Phase 2?
To qualify for this scheme, applicants must meet the following eligibility requirements:
✅ Resident of Punjab (Male or Female Farmer)
✅ Must own at least one dairy animal (cow or buffalo) at the time of application
✅ Minimum 18 years of age, Maximum 65 years
✅ Must possess a valid CNIC
✅ Livestock record or proof of animal ownership
✅ No history of bank loan default or credit fraud
✅ Preferably registered with local livestock department or BISP/Kisan Card holder
👉 Women farmers and widows with livestock are strongly encouraged to apply — separate quota may be available for them.
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Documents Required to Apply:
| Document | Requirement |
|---|---|
| CNIC (Computerized National ID Card) | Mandatory |
| Proof of Livestock Ownership | Vaccination card / Local livestock officer certificate |
| Mobile Number (Registered on CNIC) | Mandatory |
| Recent Photograph | Optional |
| Bank Account (if requested by bank) | Required later |
How to Apply for Punjab Livestock Card Rs 540,000 Loan Scheme:
There are three easy ways to apply:
✅ Method 1: Apply via SMS
You will receive a confirmation message upon successful registration.
✅ Method 2: Apply via Helpline
📞 Call 9211 or 08000-9211
A representative will guide you about your nearest livestock office or bank branch.
✅ Method 3: Apply Online
Visit:
Fill in the registration form and submit your details.
Benefits of Punjab Livestock Card Phase 2 2025:
✔ Easy access to livestock financing without collateral
✔ 25% subsidy reduces overall feed cost
✔ Boosts milk and meat production
✔ Empowers women and small-scale farmers
✔ Digital record ensures transparency and trust
✔ No exploitation from middlemen or private lenders
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FAQs Who Is Eligible for Punjab Livestock Card Phase 2:
Q1. Who is eligible for Punjab Livestock Card Phase 2?
Ans: Any resident of Punjab who owns at least one cow or buffalo, has a valid CNIC, and is actively involved in dairy or livestock farming is eligible. Women farmers and small-scale livestock owners are also encouraged to apply.
Q2. How much loan can I get under this scheme?
Ans: Eligible farmers can receive financing of up to Rs 540,000, which can be used for purchasing livestock, animal feed, and related supplies.
Q3. Is the Livestock Card Loan interest-free?
Ans: Yes, the scheme is designed as an interest-free or low-markup loan, depending on the partner bank and financing model. Most cases are Shariah-compliant with zero or minimal additional charges.
Q4. Can I apply without owning any animal?
Ans: No. At least one existing dairy animal (cow or buffalo) is required as proof of active livestock farming to ensure proper use of the financing.
Q5. How do I apply through SMS?
Ans: Type PLC and send to 8070. You will receive a confirmation message if your details are accepted.
Q6. Can women and widows apply for this loan?
Ans: Yes, women farmers are fully eligible and may even receive priority approval under Punjab’s Women Empowerment Policy.
Q7. Can this loan be used for purchasing new animals?
Ans: Yes, the financing can be used to buy new cows or buffaloes, as well as for animal feed, medicine, and farm supplies.
Q8. What documents do I need for approval?
Ans: You need CNIC, mobile number, proof of livestock ownership, and possibly a livestock vaccination card or certificate from the local livestock officer.
Q9. What is the repayment method?
Ans: The loan is repayable in monthly or seasonal installments depending on your income pattern. Repayments can be made via the Livestock Card managed through partner banks.
Q10. Is there any fee to apply or register?
Ans: No. Registration through SMS, portal, or helpline is completely free. However, bank verification charges may apply later depending on the financing institution.
Conclusion — A Golden Opportunity for Rural Farmers:
The Who Is Eligible for Punjab Livestock Card Phase 2 is more than just a loan scheme — it’s a financial revolution for livestock farmers. With a Rs 540,000 financing cap and 25% subsidy, farmers can now expand their cattle business without depending on private lenders or borrowing from relatives.
