Introduction
You need money to purchase seeds, fertilizers, and fuel to help your crops grow, but this can become problematic if you do not have much money, especially for small growers.
The CM Punjab Kissan Card is a government initiative that allows eligible farmers to gain interest-free loans. Approved farmers can purchase eligible agricultural products using their cards.
The Punjab Agriculture Department has outlined what will be included in phase two of the Kissan Card scheme for 2026/27 and 2027/28, but this may not mean you can currently sign up.
This guide will provide you with more information on the scheme itself, eligibility criteria, how to apply by SMS, and where to find the most up-to-date information.
What is the Punjab Kisan Card Scheme?
Punjab Kisan Card, or CM Punjab Kissan Card, is a government-backed financial scheme for eligible farmers in Punjab.
It was developed in partnership with Punjab Agriculture Department, Punjab Information Technology Board (PITB) and other related institutions. This card is issued by the Bank of Punjab.
This scheme helps farmers by providing them funds to cover their agricultural expenditures. With this scheme you can buy approved agricultural products such as seeds and fertilizers based on your current phase and conditions.
You will have to pay back the loan, so it is not free money.
Official Site: https://www.agripunjab.gov.pk/kissan-card
Punjab Kisan Card 2026 Latest Updates
The Punjab Agriculture Department continues to publish updates about the scheme, including approved dealers, notices, and loan-related news.
Key things to note:
Phase II is included within the 2026/27 program
Phase II of the CM Punjab Kissan Card scheme has been included under the initiatives of the Punjab Agriculture Department, in which one million Kissan Card holders will be provided interest-free loans. Loan amounts of up to 360,000 can be taken by borrowers for three cropping seasons.
These are the aims of the scheme and the maximum amounts that can be borrowed. Not everyone will receive the maximum amount.
The loan amount will depend on the conditions.
Original information states that up to Rs. 150,000 can be borrowed per season. This is based on Rs. 30,000 per acre of eligible landholdings. Later phases have different maximum amounts.
As there can be changes to the conditions of the program, it is best to check the notice for the current phase.
Deadline for repayment in October
In October 2026, the Associated Press of Pakistan reported that current cardholders were asked to repay their dues for the fourth round by 26 th October 2026 to enter into a prize draw.
This was for existing cardholders to repay.
Approved Dealers
The Punjab Agriculture Department has published lists of approved dealers by district and information about fuel stations taking part. Before purchasing anything using your card, you should check these official sources.
Sources:
https://agripunjab.gov.pk/agri-adp-cminitiatives
https://www.agripunjab.gov.pk/kissan-card
Punjab Kisan Card 2026 Eligibility
Eligibility will depend on the conditions of the phase you are in. General conditions are published by the Punjab government. These include;
Who can qualify?
- Own eligible agricultural land in Punjab.
- Have land records available in the Punjab Land Records Authority (PLRA) system.
- Use a mobile SIM registered against their own CNIC.
- Pass the required identity and other verification checks.
- Meet the applicable financial and scheme-specific requirements.
The original scheme page mentions landholdings of up to 12.5 acres. Later information mentions that the target has been increased to farmers with landholdings of up to 25 acres. Make sure to check what the maximum number of acres is for the phase you wish to join.
Documents and information to prepare
Before attempting to register, you should have the following information ready:
- Your original CNIC details.
- A mobile number registered against your own CNIC.
- Accurate agricultural land ownership and record information.
- Any additional information requested during official verification.
Further verification may be required by the department or Bank of Punjab. Follow the instructions given for your application.
How to Apply for Punjab Kisan Card 2026
The Punjab government has published instructions for registering via SMS. Check an official source to see if new registrations are currently open.
Step 1: Check if registration is open
Go to the Punjab Agriculture Department Kissan Card page:
https://www.agripunjab.gov.pk/kissan-card
Look for any current registration notices, updated eligibility criteria, or new application instructions.
Step 2: Have your CNIC Details Ready
Ensure you have a mobile SIM registered to your CNIC and that your CNIC and land records are correct.
Step 3: SMS the Required Message
The government has published instructions for the scheme. They state;
PKC [space] 13-digit CNIC number
Send this to 8070 using your registered mobile number.
For example, if you are following the published instructions, you would type PKC followed by a space and your own CNIC number (without dashes).
This is the published method. It does not mean new registrations are currently open. If you are not receiving a reply or your application is not being accepted, check with the Agriculture Department to ensure you are following the correct instructions for the current phase.
Step 4: Await Verification
As published, your details will be checked against relevant records. This could include land ownership and identity checks. Other checks could be carried out by the authorities to ensure you are eligible.
Ensure you provide correct information and await an official response.
Step 5: Follow Instructions to Receive Card
If you have been approved, you should follow the instructions given by the relevant authorities and Bank of Punjab. Do not pay an unofficial agent who promises guaranteed approval.
How much can I borrow?
The amount you can borrow will depend on the phase and your verified landholdings.
The original scheme page mentions that you can borrow up to Rs. 150,000 per crop season. The Agriculture Department mentions under their 2026/27 initiatives that you can borrow up to Rs. 360,000 per cropping season under Phase II.
These are different pieces of information. Not everyone will be eligible to borrow Rs. 360,000.
Check the official notice from the Agriculture Department to see what the maximum amount is for you.
What can I use my Kissan Card for?
The scheme was introduced to help eligible farmers purchase items needed for agriculture.
Depending on the phase you are in, you may be able to use your card for;
- Seeds
- Fertilisers
- Other approved agricultural inputs
- Additional items specifically allowed under the current phase
Not everything may be available to purchase or withdraw cash. Different rules may apply depending on the phase you are in regarding fuel, cash, approved traders, and maximum amounts.
Only use your card as instructed by the authorities.
How to Find Approved Dealers
Before visiting a shop, check whether it is on the Punjab Agriculture Department’s approved list.
Go to the Punjab Agriculture Department Kissan Card page:
- Open https://www.agripunjab.gov.pk/kissan-card.
- Find the district-wise registered dealers section.
- Select the relevant district or review its published list.
- Confirm the dealer’s details before traveling.
- Ask the dealer which purchases are permitted under your card’s current conditions.
This can help avoid any unnecessary visits and confusion.
How to Repay Your Kissan Card Loan
Your loan is repayable. Even though it is interest-free, you will need to repay according to the schedule given.
The Agriculture Department mentioned in October 2026 that payments can be made via Bank of Punjab, interbank, and Raast ID for the relevant round.
Follow the instructions for paying your loan. Check your official bill/message for when your loan is due.
Save your proof of payment. If your payment is not showing in your account, contact the relevant bank/department.
It is important to pay on time as this may affect your eligibility for future funding.
Helpline & Official Site
To find information about the scheme, visit the official site of the Punjab Agriculture Department.
Agriculture Department Kissan Card Page:
https://www.agripunjab.gov.pk/kissan-card
Punjab Government Scheme Page:
https://www.punjab.gov.pk/cm-kissan-card-scheme
Agriculture Department Helpline:
0800-17000
Check the official site for current opening times.
Be wary of sites, social media pages, and people claiming they can guarantee approval. Never give your bank PIN, password or verification code to someone you don’t know.
FAQs
Is registration open in 2026?
The Agriculture Department has listed phase II under their 2026/27 information. However, this does not mean new applications are currently open. Check the official Kissan Card page for any current registration notices.
How do I register?
The published method is to SMS PKC followed by a space and your 13-digit CNIC number to 8070. Ensure the registration service is open.
What is the maximum amount I can borrow?
The original scheme page mentions that you can borrow up to Rs. 150,000 per crop season. The Agriculture Department mentions under Phase II that you can borrow up to Rs. 360,000 per cropping season. The maximum amount you can borrow will depend on the phase and your eligibility.
Can I apply if I have 20 acres?
The original scheme page mentions up to 12.5 acres. Later information mentions increased landholdings. Check the official conditions for the current phase.
Is the loan interest-free?
The scheme provides interest-free funding for agriculture for eligible farmers. Check any applicable charges, repayments and conditions.
What was the deadline on 26 th October?
This was a repayment deadline for existing cardholders to enter into a prize draw. It does not mean new applications are open.
Where can I find authorized dealers?
Visit the official Punjab Agriculture Department Kissan Card page and view the approved dealers by district.
Final Thoughts
The Punjab Kisan Card can help eligible farmers with important farming costs. However, it is important to check important details, such as whether registration is open, maximum acres, loan amount, and repayment conditions based on the phase.
If you are planning to apply, start by visiting the official Agriculture Department website. Ensure that new registrations are open and your CNIC, mobile, and land records are correct. This can help avoid any misleading claims.
[Note: This article is for informational purposes only. Conditions and availability can change, so please check with official government sources for the latest information.]
Official Sources
Punjab Agriculture Department – Kissan Card: https://www.agripunjab.gov.pk/kissan-card
Punjab Agriculture Department – Chief Minister’s Initiatives:
https://agripunjab.gov.pk/agri-adp-cminitiatives
Government of Punjab – CM Kissan Card Scheme:
https://www.punjab.gov.pk/cm-kissan-card-scheme
Associated Press of Pakistan – Repayment Announcement:
https://www.app.com.pk/punjab/prizes-announced-on-payment-of-kissan-card-loan/
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