The CM Punjab Kissan Card scheme is one of the largest agricultural support programs introduced by the Government of Punjab to provide financial assistance to farmers. Through this scheme, eligible farmers can receive interest-free agricultural loans to purchase seeds, fertilizers, pesticides, and other farming inputs.
This initiative aims to improve crop production, reduce farmers’ financial burden, and promote digital agriculture services across Punjab.
What is the CM Punjab Kissan Card?
The Punjab Government, in collaboration with various departments including the Punjab Agriculture Department, Punjab Information Technology Board (PITB), Punjab Land Records Authority (PLRA), NADRA, Pakistan Mobile Database (PMD), and the Bank of Punjab (BOP), has developed a digital ecosystem for farmers.
Read more about the Punjab Bewa Sahara Card and its latest registration process here.
The Kissan Card acts as a special agriculture financing card that allows farmers to access government-backed interest-free loans and other future agricultural subsidies through a transparent digital system.
Key Features of PKC
Interest-Free Agricultural Loans
Eligible farmers can receive loans without paying any interest charges.
Easy Purchase of Agricultural Inputs
Farmers can use the card to buy:
- Fertilizers
- Certified seeds
- Pesticides
- Other approved agricultural inputs
Digital Verification System
The entire process is digitally verified through:
- NADRA verification
- Land ownership verification via PLRA
- Mobile number verification through PMD
- Financial screening through eCIB
SMS Notifications
Farmers receive free SMS alerts regarding:
- Registration status
- Loan approval
- Transactions
- Repayment reminders
Punjab Kissan Card Loan Details
Details | Information |
Loan Type | Interest-Free |
Maximum Loan | Rs. 150,000 per season |
Loan Limit | Rs. 30,000 per acre |
Eligible Land Holding | 1 to 12.5 acres |
Card Validity | 6 Months |
Repayment Grace Period | 1 Month after maturity |
Initial Target | 500,000 Farmers |
Eligible households can receive food assistance through the Punjab Ration Card initiative.
Eligibility Criteria For Kissan Card
To apply for the Punjab Kissan Card or short name (PKC), farmers must fulfill the following conditions:
1. Punjab Resident
The applicant must be a resident farmer of Punjab.
2. Land Ownership
The farmer must own agricultural land ranging from 1 acre to 12.5 acres.
3. Land Record Availability
The land must be registered and available in the Punjab Land Record Authority (PLRA) database.
4. Valid CNIC
Applicants must possess a valid computerized national identity card.
5. Registered Mobile SIM
The mobile number used for registration must be registered in the applicant’s own name and verified through PMD.
6. Successful Digital Verification
The applicant must pass verification through:
- NADRA
- PMD
- PLRA
- eCIB screening
Benefits of Punjab Kissan Card
1. No Interest Burden
Farmers can obtain financing without paying additional interest charges.
2. Increased Crop Productivity
Timely access to seeds and fertilizers helps improve crop yields.
3. Financial Inclusion
Small and medium farmers gain access to formal banking services.
4. Transparent System
Digital verification reduces fraud and ensures assistance reaches genuine farmers.
5. Future Government Subsidies
The card may also become a platform for future agricultural subsidies and support schemes.
Required Documents
Before applying, keep the following information ready:
- Valid CNIC
- Mobile number registered on applicant’s CNIC
- Agricultural land details
- Updated land record information
How to Apply for CM Punjab Kissan Card
The registration process is very simple.
Step 1:
Open the SMS application on your mobile phone.
Step 2:
Type the following message:
PKC <space> CNIC Number
Example:
PKC 3520212345671
Step 3:
Send the SMS to:
8070
Step 4:
Wait for verification and confirmation messages from the Punjab Government.
If your information is successfully verified, further instructions regarding card issuance will be sent to your registered mobile number.
Registration Process Explained
- Farmer sends SMS to 8070.
- PITB receives registration data.
- CNIC and mobile number are verified.
- Land ownership is checked through PLRA.
- NADRA and financial verification are completed.
- Eligible farmers are approved.
- Bank of Punjab issues the Kissan Card.
Loan Usage Rules
The funds provided through the Kissan Card can only be used for agricultural purposes, including:
Purchase of fertilizers
Purchase of seeds
Purchase of pesticides
Other approved farming inputs
The loan cannot be used for personal expenses or non-agricultural activities.
Repayment Terms
- Loan validity remains for six months.
- Farmers receive an additional one-month grace period for repayment.
- Timely repayment ensures continued eligibility for future assistance programs.
Common Reasons for Rejection
Your application may be rejected if:
- Mobile SIM is not registered on your CNIC.
- Land record is unavailable or incorrect.
- CNIC information does not match official records.
- Applicant owns more than 12.5 acres.
- Financial verification fails.
Conclusion
The CM Punjab Kissan Card Scheme 2026 is a major step toward modernizing Punjab’s agriculture sector. By providing interest-free financing, digital verification, and easy access to farming inputs, the initiative aims to strengthen farmers financially and improve agricultural productivity across the province.
Get more information about Aizaz e Imam Card.
Eligible farmers should complete their registration as soon as possible by sending their CNIC number to 8070, as approvals may be processed according to government policy and available quotas.
Frequently Asked Questions (FAQs)
Who can apply for the Punjab Kissan Card?
Farmers owning between 1 and 12.5 acres of agricultural land in Punjab.
Is the loan interest-free?
Yes, the financing provided under this scheme is completely interest-free.
What is the maximum loan amount?
Eligible farmers can receive up to Rs. 150,000 per crop season.
How do I register?
Send:
PKC CNIC Number
to 8070 via SMS.
Which bank issues the Kissan Card?
The card is issued through the Bank of Punjab (BOP).
Can tenants apply?
Generally, preference is given to farmers whose land ownership records are available in PLRA.
