How to Apply for the Kisan Card in Punjab – Benefits & Process (2025)

 

Introduction

🌾 Punjab Kisan Card is a historic initiative by the Government of Pakistan.  Punjab Kisan Card has been designed for the welfare of farmers and for the development of agriculture. 🚜 Agriculture is considered the backbone of Pakistan. If the farmers of Pakistan are prosperous, then only the agriculture sector will be prosperous. That is why the Punjab government has designed this program to provide  interest-free loans to farmers and provide them with subsidies.  In 2025, the program has entered the phase two stage.  Improvements have been made to the program in phase two. The program has been upgraded, such as the loan amount and additional benefits or eligibility. In this article, you will get to see all the information about  how to apply and how you can benefit from this program and  how you can check your status in 2025 Online.Let's go to our article.

Overview of the Punjab Kisan Card Scheme

 This scheme has been formed under the supervision of Punjab Chief Minister Maryam Nawaz. Another major aspect of this scheme is that to improve the efficiency of the scheme and maintain transparency, various institutions have been associated with this program.  These institutions include PMD, NADRA, PITV, PLRA, and ECID.  The reason for linking these institutions is to maintain digital progress.

📈 The area of land has been increased in Phase II 2025. In Phase I, 12.5 acres of land was allocated for those who could apply, but now it has been increased to 25 acres.

💰 The loan amount has also been increased from Rs 1.5 lakh to Rs 3 lakh per season.

🏦 Farmers can easily withdraw their case and will be connected with HBL Connect to make payments.

Eligibility Criteria

📋 To meet the eligibility criteria for Punjab Kisan Card 2025, you have to fulfill the following requirements. Without following these things, you will not be eligible:

🏡 The most important thing is that you should belong to the province of Punjab and you must have a Punjab National Cell.

📜 Your land record should be registered with the Punjab Land Record Authority and the land you are using for agricultural purposes should be between 1 acre and 25 acres.

🆔 You should have your original identity card and you have to get a SIM card on this card 📱. This SIM number has to be verified through PMD.

🚫 If you have previously taken a loan from any bank or any institution and are in the defaulter list when repaying the loan, you will not be able to get the loan. Therefore, it is very important that you are not a defaulter.

✅ To ensure transparency, your credit report must be clear, meaning there must be a clean CIP record.

Also Read : PM Youth Business & Agriculture Loan Scheme 2025 Guide

How to Apply for the Kisan Card

📝 Now you can apply for this program not only online but also offline. Here I have explained to you the complete method of applying in a way which I have named ABC.

 A. Apply via SMS

•  You have to type PKC from your registered mobile number and after giving a space, enter your CNIC number.
•  After that, send the same message to 8070.
•  You will receive an SMS back from 8070 in which you will be informed about your eligibility status.

---

B. Apply Online

 The Government of Pakistan has introduced a portal which you can see below. Through this portal, you can do your registration online.

🔗 Official Site : AGRICULTURE DEPARTMENT

•  As soon as you enter the website, click on the option "Apply for Punjab Kisan Card".
• Fill in all your details — CNIC number, land ownership documents, domicile, etc.
• Click on Submit Application. You will be provided with a tracking number — note it carefully.

---

C. Apply through HBL Konnect Retailer

 Visit your nearest HBL Konnect shop.

•  Get biometric verification done to open a mobile wallet account.
•  Purchase a Kisan Token bundle worth up to Rs. 500.
•  Take a copy of your CNIC.
•  Carry your land ownership documents.
•  Ensure you have an active registered SIM on your CNIC.

📂 After providing all these documents, your application will be processed and your Kisan Card will be ready within 15–20 days.
📢 You will receive an SMS to collect it from your local or nearest agriculture office.

Benefits of the Kisan Card (Phase 2 – 2025)

Any business becomes big, so there is more investment involved in it.

🌾 By taking advantage of this program, you can expand your agricultural business.

✅  Financial assistance has already been increased in Phase II 2025.

✅ You can get up to 10 lakhs from this program, that too during each crop season.

✅  You will be able to withdraw 30% of the loan for various expenses, which are operational expenses.

✅  And the remaining 20% of the loan can be used as an allowance on other loans like diesel and fuels.

✅  In this program, you get to see the best subsidies and discounts.

✅  You will get subsidies on fertilizers, pesticides, and agricultural machinery, which will be very beneficial for the farmer.

✅  Those who have a Kisan Card will get discounts on registered windows and various special discounts.

✅  Farmers whose agricultural land is more than 25 acres can get free tractor facility.

✅  Farmers whose lands are between 12.5 to 25 acres can get lease land tractors for their farmers at no cost.

Also Read : Top 5 Government Loan Schemes for Pakistani Youth (2025 Edition)

📌 And other facilities include:

• 🚫 No charges will be levied in loan transactions.

• 💵 If a farmer repays the loan early, he will be given double loan (additional assistance per acre).

• 🌾 Farmers will also get crop insurance and modern agricultural treatments.

🔍 No hidden charges have been imposed in this program — a completely transparent digital system has been implemented.

How to Check Your Application Status

📝 Once you have submitted your application after completing all the documents and all the conditions, you can track the status of your Kisan Card in three ways which are mentioned below.

1️⃣ SMS Method 📱
The first way is that you can check the status of your application by sending your CNIC number to 870 through SMS.
This will let you know whether your application has been approved, pending, or the project is in progress.

2️⃣ Online Method 💻
The second way is that you can check your eligibility criteria online from home through the website.
You have to go to the website and enter your ID card, from there you will get the latest information about your application.

3️⃣ Helpline Method ☎️
In the third way, you can check the eligibility of your application by calling the helpline directly and quoting your ID card number.
📞 The helpline number is 17000-0800.

ℹ️ Please note that the call to the helpline can be made from Monday to Saturday. Representatives are available from 8 am to 8 pm.

Conclusion

🌾 Punjab Kisan Card Fee 2025 can prove to be a year of improvement and development for farmers.If you have agricultural land between 1 and 25 acres, then this program is a golden opportunity for you.In this program, you will get interest-free loans.Loans are given according to every season and you are also rewarded with modern farming equipment. Whatever costs are incurred in growing crops 🌱, they are subsidized 💵 and digital banking facilities  are provided. All this is available to you in one program. If you feel that you meet the eligibility criteria and can further increase your development by using the loan properly, then do not delay. Dial your CNIC number and send it to 8070.You will know your eligibility status.

⚠️ The ability of any farmer stops when he has high expenses for farming but less money, but this program will secure your future  and put you on the path of development .

1. What is the Punjab Kisan Card?

The Punjab Kisan Card is a government initiative providing farmers with interest-free loans, subsidies, and modern farming support in 2025.

2. How can I apply for the Kisan Card?

You can apply via SMS (8070), online through the Punjab Agriculture Department portal, or by visiting an HBL Konnect retailer.

3. What are the benefits of the Kisan Card in 2025?

Benefits include up to Rs. 300,000 interest-free loans, subsidies on seeds and fertilizers, diesel allowance, and free agricultural machinery for eligible farmers.

4. Who is eligible for the Punjab Kisan Card?

You must be a Punjab resident, own 1–25 acres of land, have a valid CNIC & SIM, and no previous bank loan defaults.

5. How long does it take to get the Kisan Card?

After successful application, it usually takes 15–20 days to receive your card from your local Agriculture Office.