Kisan Khushal Punjab Khushal Kisan Card Phase 3
Kisan Khushal Punjab Khushal Kisan Card Phase 3 Punjab government has launched the third phase of the Kisan Khushal Punjab Khushal initiative to provide small farmers with financial support, modern farming facilities, and improved access to essential agricultural inputs. This program is designed to empower subsistence farmers by offering interest-free loans, card-based financing, access to seeds, fertilizers, diesel, and tractors. With rising costs of agriculture inputs, this initiative helps farmers focus on increasing crop productivity without facing financial burdens.
Phase 3 registration has officially started, targeting thousands of farmers across the province. The Chief Minister of Punjab, Maryam Nawaz, has emphasized that the government is committed to standing with farmers in every situation and ensuring their prosperity. This step is part of a larger plan to modernize farming and improve livelihoods in rural Punjab.
You Can Also Read: BISP 8171 Validation December Payment Check Withdrawal Date
Program Objective and Vision
The main goal of the Kisan Khushal Punjab Khushal initiative is to provide financial security and farming support to small-scale farmers who often struggle with limited access to credit. By offering an unsecured interest-free loan facility, the government ensures that farmers can invest in their crops without falling into debt.
The initiative also aims to increase crop productivity by making modern agricultural inputs accessible. Farmers can now purchase fertilizers, seeds, pesticides, and diesel directly through the Kisan Card, reducing dependency on middlemen. This program is not just financial support but also a step toward sustainable and modernized agriculture in Punjab.
You Can Also Read: Major BISP Action: 2.6 Million Illegal Deductions Uncovered
Phase 3 Registration Details
Phase 3 focuses on providing over 30,000 tractors and loans worth PKR 43 billion to eligible farmers. Registration is simple and transparent, designed to reach farmers from remote areas who may have limited access to banking services.
Farmers can follow these steps to register:
- Ensure they have a valid CNIC and a mobile number registered in their name.
- Verify land ownership through PLRA registration.
- Apply online through the Punjab Agriculture Department portal or visit local offices for assistance.
The government is also emphasizing timely disbursement of loans and tractors so that farmers can prepare for sowing seasons without delay.
You Can Also Read: Zarkhez-e Asaan Digital Zarai Qarza Registration Online
Kisan Card Features and Benefits
The Kisan Card provides multiple benefits to subsistence farmers, ensuring financial support for crop production. Farmers can now access loans without interest, making it easier to plan their farming activities. Key benefits include:
- Maximum interest-free loan: PKR 150,000 (Phase 1) and PKR 300,000 in future expansions
- Land eligibility: 1 to 12.5 acres for subsistence farmers
- Zero markup: Fully subsidized by the Punjab government
- Card issuance fee: PKR 1,000 per acre
- Repayment tenor: 6 months with a 1-month grace period
- First Credit Loss Guarantee: 30%
- Eligible expenses: Fertilizers, seeds, pesticides, diesel (20% allocation)
- Service charges: Minimal or completely waived
This initiative also allows farmers to purchase essential agricultural inputs directly, reducing dependence on private retailers and ensuring that funds are used for productive purposes.
You Can Also Read: CM Maryam Nawaz Announces Ration Cards
Kisan Card Phase 3 Key Details
| Feature | Details |
|---|---|
| Maximum Loan Limit | PKR 150,000 |
| Minimum Loan Limit | PKR 30,000 |
| Land Eligibility | 1 – 12.5 acres |
| Interest Rate | 0% (Government Subsidized) |
| Card Issuance Fee | PKR 1,000 per acre |
| Loan Tenor | 6 months + 1-month grace |
| Eligible Inputs | Fertilizers, Seeds, Pesticides, Diesel |
Eligibility Criteria
The program ensures that financial support reaches farmers who need it the most. To be eligible for Phase 3:
- Farmers must be landowners registered with PLRA.
- The landholding should be 1 to 12.5 acres, with loans provided for up to 5 acres.
- Farmers must have a valid CNIC and a mobile number in their name (for PMD verification).
- The minimum age requirement is 18 years, with no maximum age limit.
- Credit history is checked as per the risk acceptance criteria.
These criteria make it easier for subsistence farmers in rural areas to access loans and participate in the program without complex procedures.
You Can Also Read: BISP Women in Thal Start Receiving Free Mobile SIMs
Financing Details
The Kisan Card offers a flexible unsecured credit facility tailored to small farmers’ needs:
- Minimum financing: PKR 30,000 for 1-acre land
- Maximum financing: PKR 150,000 for up to 5 acres
- Tenor: Up to 6 months, excluding the 1-month grace period
- Pricing for BOP: 6 months KIBOR + 3.5%, net-off card issuance fee
This ensures that financing is fair and proportional to landholding, allowing farmers to invest appropriately in inputs that will increase productivity.
Key financing points:
- 20% of total loan can be used for diesel purchases
- Farmers can buy seeds, fertilizers, and pesticides directly
- Minimal or waived processing fees reduce additional financial burden
You Can Also Read: Ehsaas Program Registration 8171 Nadra Clarification
Additional Support for Farmers
In addition to loans, farmers can access continuous support and guidance:
- Agricultural Helpline: 17000-0800 (weekly support)
- Assistance in seed and fertilizer procurement
- 30% instant cash withdrawal option in some cases
- Online access to loan status and Kisan Card benefits
These support measures ensure that farmers can utilize their funds efficiently and make informed decisions to maximize crop output.
Expected Impact on Punjab Agriculture
The Phase 3 Kisan Card initiative is expected to:
- Provide financial empowerment to small farmers
- Increase crop productivity by improving access to inputs
- Reduce rural poverty by providing easy access to credit and tractors
- Strengthen the agricultural economy and food security in Punjab
By targeting subsistence farmers and providing necessary resources, the program is a transformative step for modernizing Punjab’s agriculture.
You Can Also Read: BISP Payment Missing Wallet While Checking In 8171 Web
Conclusion
The Kisan Khushal Punjab Khushal Phase 3 registration is an important opportunity for farmers to access financial support and essential farming inputs. With interest-free loans, tractors, seeds, fertilizers, and diesel, the program allows farmers to focus on productivity and profitability.
Eligible farmers should register immediately to benefit from the Kisan Card and enjoy all government-supported facilities. This initiative underscores the Punjab government’s commitment to supporting farmers and ensuring a prosperous agricultural sector.