The Government of Punjab has officially launched Phase-2 of the Punjab Kisan Card scheme in 2025, aimed at empowering small-scale farmers through interest-free agricultural loans. This groundbreaking initiative is part of the province’s broader agricultural reform strategy, seeking to provide financial relief, enhance crop productivity, and ensure food security by supporting those who form the backbone of Pakistan’s economy the farmers.
The Punjab Kisan Card Phase-2 builds on the success of the first phase and introduces expanded coverage, digital loan disbursement, and a simplified registration process. This guide provides a complete overview of the latest developments, eligibility criteria, loan process, and how farmers can benefit from this revolutionary support system.
What Is the Punjab Kisan Card?
The Punjab Kisan Card is a farmer-specific digital card designed to help registered growers access interest-free loans, fertilizer subsidies, and other government support packages. Issued in collaboration with Punjab Information Technology Board (PITB) and Agri Department Punjab, the card links with Bank of Punjab and allows farmers to withdraw funds directly through ATMs or designated agents.
With Phase-2 launched in July 2025, the scheme is now reaching more than 800,000 farmers across all districts of Punjab, including underserved rural areas.
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Key Features of Punjab Kisan Card Phase-2 (2025)
1. Interest-Free Loans up to Rs. 150,000
Eligible farmers can receive loans up to Rs. 150,000 per crop cycle, payable in easy installments without any markup.
2. Digital Registration & Loan Disbursement
The entire process, from registration to disbursement, is conducted via the e-Credit app and mobile-based platforms, ensuring transparency and eliminating intermediaries.
3. Coverage Expansion to Tenant Farmers
Phase-2 includes tenant farmers and sharecroppers, not just landowners. Verification is done through e-Crop and Land Record Management Systems.
4. Subsidies on Inputs
Cardholders are also eligible for fertilizer, pesticide, and seed subsidies, automatically credited to their Kisan Card balance.
5. Integration with Weather Alerts & Crop Advisory
The app also offers real-time weather forecasts, pest alerts, and expert guidance to help farmers make informed decisions.
Who Is Eligible for the Kisan Card Phase-2?
To apply for the Punjab Kisan Card Phase-2, farmers must meet the following criteria:
- Must be a resident of Punjab province
- Possess a valid CNIC registered with Punjab Land Records Authority
- Have an active SIM in their own name
- Must be a cultivator or tenant farmer listed in official land records
- Have no previous default history with banks
Farmers who registered in Phase-1 will automatically be updated into the new system, and newly eligible farmers can apply through the online registration portal or local agriculture office.
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How to Apply for Punjab Kisan Card (Phase-2)
Follow these steps for registration and loan application:
- SMS Registration
Send your CNIC number to 8070 with the keyword “Kisan” (e.g., Kisan 3510112345671) - Visit Agriculture Facilitation Center
After SMS confirmation, visit your nearest center for biometric verification. - Complete Land Verification
Your details will be matched with PLRA and e-Crop system to verify eligibility. - Receive Kisan Card & Activate Loan
Once approved, your card will be delivered, and you can activate your loan through the mobile app or Bank of Punjab branches.
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Benefits of the Scheme for Farmers
- Zero-interest loans eliminate the burden of markup payments
- No middlemen reduce the risk of exploitation or corruption
- Access to real-time crop advisory and weather alerts
- Cashless transactions promote financial transparency
- Enables farmers to purchase seeds, fertilizers, and equipment without upfront cash
FAQs – Punjab Kisan Card Phase-2: Interest-Free Loans for Farmers
1. What is the maximum loan amount under the Kisan Card Phase-2?
Farmers can access interest-free loans up to Rs. 150,000 per season, repayable after crop harvest.
2. How long does it take to receive the Kisan Card after registration?
Once your eligibility and land records are verified, the card is issued within 15 working days.
3. Can tenant farmers or sharecroppers apply?
Yes. Phase-2 now includes tenant farmers, provided they are listed in official land records.
4. Do I need a bank account to get the loan?
Yes. The loan amount is deposited into the Bank of Punjab account linked with your Kisan Card.
5. Is there a deadline to register for Phase-2?
The registration is open till September 2025, but early application is encouraged due to limited funds.
The Punjab Kisan Card Phase-2 is a transformative step toward empowering farmers with easy, interest-free financial access. With digital integration, transparent disbursement, and inclusive coverage, this initiative is poised to uplift agriculture in Punjab and ensure long-term sustainability in the sector.