The Pakistan Bait-ul-Mal (PBM) operates the Benazir Kafaalat program, which offers financial assistance to vulnerable women across the country. Currently, a stipend of PKR 13,500 is disbursed regularly to beneficiaries, providing vital support to help them meet basic needs.
With the evolution of technology and public service delivery, the PBM now allows beneficiaries to receive payments through three different methods each tailored to ensure convenience, accessibility, and security. In this article, we break down the current distribution mechanisms, analyze their advantages and challenges, and offer insights into how recipients can select the best option for their circumstances.

Cash Pickup at Designated Banks and Agents
Overview
Beneficiaries can collect their PKR 13,500 stipend in cash from designated bank branches or authorized agent locations (such as mobile banking pickup points). This is the traditional method, and remains widely popular especially in remote or rural areas.
Process
- Visit the nearest assigned bank or agent on a scheduled payment date.
- Present your NADRA-issued Smart Card and valid identification (usually CNIC).
- Fill out the withdrawal slip for the Benazir Kafaalat installment.
- Collect your PKR 13,500 cash.
Advantages
- No need for technology; appeals to those unfamiliar with digital wallets.
- Immediate access to funds.
Challenges
- Queuing and possible delays during peak times.
- Travel expenses and difficulties in conflict-affected or far-flung areas.
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Mobile Wallet Disbursement
Overview
In collaboration with telecom providers, PBM facilitates mobile wallet transfers so beneficiaries can receive funds directly on their smartphones. Widespread mobile wallet adoption across Pakistan makes this an efficient, modern alternative.
Process
- Ensure you have an active mobile wallet (e.g., JazzCash, Easypaisa).
- Inform PBM about your registered mobile number and verify details.
- When funds are disbursed, you receive an SMS alert.
- You can either spend via QR codes, linked Point-of-Sale (POS) devices, or withdraw in cash from a mobile agent.
Advantages
- Flexibility and convenience no need for visiting banks.
- Fund access any time, though withdrawal may still require an agent trip.
- Enhanced safety avoids carrying large cash sums.
Challenges
- Requires smartphone or feature phone access.
- Funds withdrawal depends on agent availability.
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Direct Bank Account Deposit
Overview
For those with a bank account, PBM allows direct deposit into your account. This method leverages the formal banking system and is perfect for seamless fund management and planning.
Process
- Register your bank account (especially in banks partnered with PBM).
- On payment dates, PBM credits the PKR 13,500 to your account.
- You can use ATM withdrawals, debit cards, Internet banking, and more to access your money.
Advantages
- Offers long-term financial stability and convenience.
- Supports broader financial inclusion and savings culture.
- Enables digital payments without visiting banks.
Challenges
- Requires a bank account, which may not be accessible or open to all.
- Some beneficiaries may need more education about internet banking and ATM card usage.
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Choosing the Right Method
1. Access and Convenience:
- For internet or mobile users: Mobile Wallet is quick and flexible.
- For those comfortable with banks: Direct Account Deposit is ideal.
- In remote areas or for tech-limited individuals: Cash Pickup remains invaluable.
2. Safety Considerations:
- Carrying large cash amounts poses safety risks mobile wallets and bank deposits offer safer alternatives.
- However, mobile agents or ATM lines may also pose risks in some areas.
3. Cost and Effort:
- Cash pickups may involve travel and queuing.
- Mobile withdrawals may incur small agent fees; bank withdrawals may require ATM charges.
4. Long-Term Goals:
- Opening a bank account can build financial inclusion, enable savings, and access additional services.
- Mobile wallets provide limited but stepping-stone benefits toward digital finance adoption.
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Current Situation & Key Updates
- PBM continues to streamline the disbursement process ahead of election year priorities, aiming for timely delivery.
- Ongoing field coordination with NADRA ensures that Smart Cards are updated and biometric verification systems are working effectively.
- Telecom operators and banks are scaling agent networks to reach underserved regions, bolstering the mobile wallet and bank deposit options.
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Final Thoughts
The Benazir Kafaalat stipend of PKR 13,500 provides essential support to thousands of women nationwide. The introduction of flexible disbursement methods cash pickup, mobile wallets, and direct bank deposits reflects the PBM’s commitment to improving service delivery, advancing financial inclusion, and responding to diverse beneficiary needs.
Over time, mobile and digital bank methods are likely to grow, offering efficiency, safety, and convenience. However, ensuring that cash disbursement remains available ensures no one is left behind. Navigating these three methods allows each beneficiary to choose the solution best suited to their lifestyle, tech comfort, and location.
FAQs
Q1: How can I know which method I’m assigned?
A: The notification is sent via SMS. You can also call PBM helpline or visit your nearest payment outlet for details.
Q2: What if my mobile wallet and bank account are both inactive?
A: You’ll receive funds through cash pickup. PBM encourages mobile activation to ease future payments.
Q3: Are there any fees for mobile wallet withdrawals?
A: Usually nominal agent charges between PKR 30–60 per withdrawal. Bank ATM fees vary, often between PKR 50–100.
Q4: What should I do if my payment fails or is delayed?
A: Report immediately by calling PBM’s helpline (e.g., 0800‑26425) or visiting your district payment center.
Q5: Can I change my disbursement method later?
A: Yes. Notify PBM support with updated details (bank account number or mobile wallet). Usually effective from the next payment cycle.
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