On May 15, 2025, Punjab launched the Chief Minister Kissan Card Phase II, an enhanced successor to last year’s program. Building on proven successes, this new phase offers higher loan amounts, zero fees, and fuel subsidies, all designed to give small and medium-scale farmers the timely cash they need for seeds, fertilizers, and more.
What’s New in Kissan Card Phase II?
Kissan Card Phase II addresses feedback from farmers and local officials. By raising per-acre limits and streamlining disbursement, the scheme ensures that capital reaches the field faster and with fewer hurdles. Key highlights include:
- Increased Loan Caps: ₨ 40,000 per acre (up from ₨ 30,000)
- Higher Maximum: Up to ₨ 300,000 per cycle
- No Processing Fees: All service charges waived
- Diesel Subsidy: 25 percent of your loan is earmarked for fuel
- Instant Cash: 30 percent of funds loaded directly to your mobile wallet
These enhancements reduce out-of-pocket costs and empower you to plan each cropping season with confidence.
Who Is Eligible? for Kissan Card Phase II
To make sure the right farmers benefit, Phase II uses simple, transparent criteria. You can apply if you:
- Own up to 25 acres of land, fully recorded with the Punjab Land Records Authority (PLRA).
- Hold a CNIC-linked mobile SIM, enabling secure SMS verification.
- Have an active HBL Konnect (or partner-bank) mobile wallet account.
What’s New in Kissan Card Phase II?
Building on the success of the first rollout, Phase II enhances every key metric:
Who Can Apply? For Kissan Card Phase II
- Landholding Size: Farmers who own up to 12.5 acres of land are eligible to apply for the Kissan Card. This limit is set to support small and medium-scale farmers in Punjab.
- Registered Mobile SIM: Applicants must have a mobile SIM that is registered against their own CNIC (Computerized National Identity Card). This ensures that the process is secure and that the benefits reach the rightful owner.
- Land Records: The farmer’s land must be registered with the Punjab Land Records Authority (PLRA). This helps in verifying ownership and streamlining the loan approval process. Accurate land records make it easier for the government to assess eligibility and ensure that the loans are given to genuine farmers.
Usage of the Loan:
- Agricultural Inputs: The loan can only be used for purchasing agricultural inputs such as high-quality seeds, fertilizers, and pesticides. This focus on specific inputs ensures that the funds are utilized effectively to improve crop yields and overall farming productivity.
- Timely Purchases: The structure of the loan is designed to help farmers buy these inputs at the right time, which is crucial for maintaining and increasing crop production.
This loan scheme is a key component of the broader effort by the Punjab government to support small and medium-scale farmers, helping them overcome financial barriers and improving their ability to produce high-quality crops.
How to Apply: A Simple Six-Step Process
Applying for the Chief Minister Kissan Card is a straightforward process designed to be accessible to all eligible farmers. Below is a step-by-step guide to help you through the registration process:
- Verify Eligibility
- SMS PKC ➔ 8070
- Set Up Your Wallet
- Download HBL Konnect (or your bank’s app) and complete KYC
- Purchase the Token Bundle
- Unlock registration by buying the in-app Kisan Token
- Visit the Tehsil Office
- Bring your CNIC, land papers, and token receipt
- Submit Documents
- Officials will verify details via PLRA and NADRA
- Collect Your Card
- Receive an SMS notification and pick up your Kissan Card
Pro Tip: Apply in the first week of opening—early birds get faster processing.
Step 1: Eligibility Check
- SMS Registration: Start by checking your eligibility. Send an SMS with the format
PKC [Your CNIC Number]to 8070 using the mobile number registered in your name. This step will verify if you are eligible to apply.
Step 2: Create a Mobile Wallet
- Mobile Wallet: If you are eligible, the next step is to create a mobile wallet or account. This can typically be done through HBL Konnect or other banking partners associated with the scheme.
Step 3: Purchase Kisan Token Bundle
- Token Purchase: After setting up your mobile wallet, you will need to purchase a Kisan Token Bundle. This step is necessary to proceed with the registration.
Step 4: Visit the Tehsil Office
- Form Submission: Once you have your token, visit your nearest Tehsil Office to fill out the application form. Make sure you bring all required documents, including your CNIC and land ownership papers.
Step 5: Document Submission and Collection
- Submission: Submit all the necessary documents at the Tehsil Office. Your documents will undergo verification through NADRA, the Punjab Land Records Authority (PLRA), and other relevant agencies.
- Card Collection: Once your application is approved, you will receive a notification to collect your Kissan Card from the Tehsil Office.
Why You Shouldn’t Wait
Chief Minister Kissan Card Phase II isn’t just another credit scheme—it’s a strategic tool designed to:
- Eliminate Cashflow Gaps without interest burdens
- Reduce Operational Costs via fuel subsidies
- Boost Productivity with focused, timely funding
- Reward Discipline through a ₨ 5,000/acre bonus for on-time repayment
With only half a million slots available, the window for application is limited. Mark June 30, 2025 in your calendar and set a reminder to hit that SMS check on day one.
Benefits of the Chief Minister Kissan Card
The Chief Minister Kissan Card offers several key benefits that are designed to support farmers in Punjab and enhance agricultural productivity.
Access to Financial Resources Without Interest:
One of the biggest advantages of the Kissan Card is that it provides interest-free loans to farmers.
This financial support is crucial for purchasing essential agricultural inputs like high-quality seeds, fertilizers, and pesticides.
By removing the burden of interest, the scheme makes it easier for farmers to invest in their crops, leading to better yields and increased income.
Digital Verification Process:
The Kissan Card also introduces a streamlined digital verification process. This process involves the Punjab Land Records Authority (PLRA) and NADRA, ensuring that only eligible farmers receive the benefits.
The use of digital tools helps in maintaining transparency and efficiency, reducing the chances of fraud and ensuring that the right farmers get the support they need.
Overall, the Kissan Card is a powerful tool in the Punjab government’s efforts to boost agricultural growth and improve the livelihoods of farmers. By offering financial support and ensuring transparent processes, the scheme is set to make a significant impact on the agricultural sector in the region.
Frequently Asked Questions (FAQs)
Farmers who own up to 12.5 acres of land are eligible to apply. They must also have a mobile SIM registered against their CNIC and their land records must be available with the Punjab Land Records Authority (PLRA).
Registering for the Kissan Card gives farmers access to interest-free loans up to ₨ 150,000. This financial support helps in purchasing essential farming inputs like seeds and fertilizers. Additionally, the digital verification process ensures a transparent and efficient distribution of funds.
If your Kissan Card is lost or expired, you should contact the nearest Tehsil Office where you applied. They can guide you on how to get a replacement or renew your card.
For assistance or more information about the Chief Minister Kissan Card, you can send an SMS with your CNIC number to 8070. You can also call the helpline at 0800-17000 for support.
Contact Information
For any questions or additional support regarding the Chief Minister Kissan Card, you can reach out to the following contacts:
Focal Persons:
- Hafiz Abdul Rehman
- Asif Hameed Qureshi
Contact Number:
- 042-99205134
These contact details are provided to help you with any queries or issues you might have about the scheme. Whether you need help with the application process, card issues, or any other related concerns, feel free to get in touch with the focal persons for assistance.
Ready to grow bigger, better, and more profitably? Follow the steps above, and leave a comment below if you hit any roadblocks.
Don’t forget to share this guide with your fellow farmers together, let’s make the 2025 Kharif season Punjab’s most productive yet!
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