CM Kisan Card Scheme
CM Punjab Kisan Card Scheme 2025 is a great opportunity for farmers, under which the Punjab government has announced to provide interest-free loans to small and medium farmers. Through this scheme, farmers can easily purchase seeds, fertilizer,s and agrochemicals for their crops. To modernize this program, the government has integrated PLRA, NADRA, PMD, PITB, and Bank of Punjab (BOP) into a digital system so that the entire process of getting a loan is transparent and fast.
Farmers will be given a maximum loan of Rs 1.5 lakh per season, while the limit per acre has been fixed at Rs 30,000. This loan is completely interest-free, and a grace period of one month has been given for repayment after six months. The biggest advantage of this scheme is that it provides financial facilities, especially to small and medium farmer,s so that they can increase their production and meet agricultural expenses easily.
The application process has also been made very easy. Farmers can complete their online registration by visiting the Punjab Kisan Card portal and uploading their CNIC, land record, mobile number, and other necessary documents. Once the application is approved, farmers receive an SMS notification through the 8070 service and can easily track their loan amount and transactions. Thanks to this digital and transparent system, farmers get timely financial support and can focus on their hard work for better production.
What is the CM Kissan Card Scheme and Its Purpose?
The CM Kissan Card is a government-issued card that enables Punjab farmers to access interest-free loans without going through complicated banking processes. Farmers can directly use the card for buying seeds, fertilizers, pesticides, and other agricultural inputs needed for crop preparation.
The main purpose of the scheme is to:
- Support the farmers of Punjab in improving crop yield and production.
- Reduce financial stress by offering interest-free loans.
- Promote digital financial inclusion through SMS notifications and online tracking.
- Ensure every eligible farmer gets timely financial support for a successful harvest season.
Also Read: How to Use BISP Wallet Account Payment for Cash Withdrawal, Balance Check & Payments
Key Features and Benefits of the CM Kisan Card
The Punjab Farmers Loan Scheme offers several benefits that make it highly attractive for small and medium landholders:
- Loan Amount: Up to Rs. 1.5 lakh per crop season.
- Limit Per Acre: Rs. 30,000.
- Repayment Terms: 6 months repayment time + 1-month grace period.
- No Hidden Charges: Loans are fully interest-free.
- Transparency: SMS alerts via the 8070 service for every transaction.
- Priority: First-come, first-served applicants will get approval faster.
This means a farmer with 5 acres of land can easily access Rs. 1.5 lakh to cover sowing, irrigation, fertilizers, and pesticides without paying extra interest.
Eligibility Requirements for Farmers
Not every farmer qualifies automatically. The Punjab Government has set specific criteria to make sure the scheme benefits small and medium landholders:
- Landholding size must be between 1 and 12.5 acres.
- Must be a resident of Punjab.
- Mobile SIM must be registered with CNIC.
- The land record should be verified through PLRA.
- Farmers must not be defaulters on previous loans.
- Verification required through NADRA, PMD, and eECIB.
This ensures that loans reach genuine farmers who actually cultivate crops
Also Read: CM Punjab Laptop Scheme Phase 2 Online Registration & Eligibility Guide
Documents Required to Apply
To apply for the CM Kissan Card Loan, farmers need to provide the following documents:
- Valid CNIC.
- Mobile number linked with CNIC.
- Proof of land record in the PLRA database.
- Bank account details (preferably with Bank of Punjab).
- Digital photo for the record.
- Optional: Previous loan details.
These requirements ensure transparency and secure digital processing of applications
Step-by-Step Guide: How to Apply Online
Farmers can easily apply through the official CM Kissan Card portal launched by PITB. Here’s the simple step-by-step process:
- Visit the official CM Kissan Card portal.
- Enter your CNIC details.
- Upload land record and other documents.
- Complete PMD verification for your land.
- Submit the application for review.
- Wait for approval from the Bank of Punjab (BOP).
- Receive confirmation and SMS notification via the 8070 service.
Once approved, farmers can use their Kisan Card for purchasing agricultural inputs from authorized vendors.
Also Read: Final List of Colleges and Universities Selected for CM Punjab Laptop Scheme Phase 2
Loan Amount and Interest-Free Facility
The biggest benefit of the scheme is the interest-free financial support.
- Maximum loan per season: Rs. 1.5 lakh.
- Limit per acre: Rs. 30,000.
- Purpose: Only for agricultural inputs like seeds, fertilizers, and pesticides.
- Grace Period: One month after six months.
- No Interest: Farmers only repay the principal amount.
This ensures that Punjab farmers focus on crop productivity without worrying about debt burden.
How to Track Application Status
The scheme is fully digital, and farmers can track their loan status in multiple ways:
- Visit the official Kissan Card portal.
- Enter CNIC and Application ID.
- Check verification updates from PLRA & NADRA.
- Monitor SMS alerts from 807the 0 service.
- Track loan approval, assigned limit, and fund disbursement.
This level of digital transparency prevents fraud and ensures timely loan delivery.
Also Read: Decision to Provide Rs 1 Million Relief Money Under CM Punjab Flood Relief Program
Frequently Asked Questions
What is the CM Kissan Card?
It is a Punjab Government scheme that provides farmers with interest-free loans for crop production.
Who is eligible for the CM Kissan Card 2025?
Farmers who own 1 to 12.5 acres of land, are residents of Punjab, and are verified by PLRA, NADRA, and PMD.
What is the maximum loan amount?
Up to Rs. 1.5 lakh per season, capped at Rs. 30,000 per acre.
What can the loan be used for?
Only for agriculture inputs such as seeds, fertilizers, and pesticides.
How can farmers apply?
By visiting the official CM Kissan Card portal, uploading the CNIC, land record, and required documents.
How can loan status be tracked?
Through the online portal or SMS updates via the 8070 service.
Final Thought
The CM Punjab Kissan Card Scheme 2025 is a transparent, farmer-friendly, and interest-free financial program that empowers Punjab’s small and medium farmers. By integrating PLRA, PMD, NADRA, PITB, and the Bank of Punjab, this initiative ensures digital financial inclusion and timely crop support.
With simple online registration, SMS alerts, and flexible repayment terms, farmers can now manage crop production costs effectively and achieve better agricultural productivity. This scheme is not just about financial aid; it is about securing the future of farming in Punjab.
Read More: PSER Ration Card Punjab 2025 – Monthly Subsidy, Eligibility Criteria & Registration Process
