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We explain the scheme in plain language. Registration and official announcements are handled only through government channels listed below. We never collect CNICs, payments, or application credentials.
If you’re a farmer in Punjab, the Kisan Card is probably the single most useful thing the government has put in your pocket in years — up to Rs 150,000 interest-free per crop season for seeds, fertilizer, and diesel. No bank visits, no paperwork mountains. Here’s how it actually works, who qualifies, and how to get one.
What the Kisan Card gives you
- Up to Rs 150,000 interest-free loan per crop season — usable for agricultural inputs (seed, fertilizer, pesticide, diesel).
- Issued through the Bank of Punjab as a debit-style card accepted at registered dealers.
- The subsidy/incentive structure is announced per season by the Agriculture Department — check agripunjab.gov.pk for the current season’s terms.
Who is eligible?
- Punjab domicile with agricultural land between 1 and 12.5 acres (land record verified).
- Valid CNIC.
- Registered in the PSER (Punjab Socio-Economic Registry) — if you haven’t done the PSER survey yet, do that first; it’s becoming the gateway for nearly every Punjab scheme.
How to register — the 8070 SMS method
The simplest route, and the one most farmers actually use:
- From your registered mobile number (the SIM should be in your own name/CNIC), type your CNIC number.
- Send it via SMS to 8070.
- You’ll get a reply about your eligibility status.
- If eligible, follow the instructions to complete registration — this usually involves visiting the nearest agriculture office or Bank of Punjab branch for biometric verification and card issuance.
Important: the SIM must be registered against your own CNIC, or the SMS won’t be accepted. This trips up a lot of people — if your number is in someone else’s name, get that sorted first.
Common problems (and fixes)
- “Not eligible” reply: usually a land-record mismatch. Check your fard/record at the local land record authority — the acreage in the system must be between 1 and 12.5.
- No reply from 8070: network congestion during peak season; try early morning. Never pay an “agent” to register you — registration is free.
- Card issued but not working at dealer: the dealer must be registered with the program. Ask for the registered-dealer list at your tehsil agriculture office.
Quick facts
- Benefit: up to Rs 150,000 interest-free per crop season
- Eligibility: 1–12.5 acres, Punjab, valid CNIC, PSER registered
- Registration: SMS CNIC to 8070
- Official source: agripunjab.gov.pk (Agriculture Department, Punjab)
Looking at more Punjab schemes? See our complete Punjab Government Schemes 2026 list.
Last reviewed: October 11, 2026. Seasonal terms are announced by the Agriculture Department — the official portal is always the final word.