Assalamu Alaikum!
The Punjab Government has officially launched Kisan Card Phase 2 with improved benefits, including an increased loan limit (up to Rs. 3 lakh), zero processing fees, and a 30% cash withdrawal facility. Below is a step-by-step guide on eligibility, application, and key changes from Phase 1.
Key Changes in Kisan Card Phase 2
| Feature | Phase 1 | Phase 2 |
| Loan Limit | Rs. 1.5 lakh | Rs. 3 lakh |
| Land Requirement | 1–12.5 acres | 1–25 acres |
| Interest-Free Loan | Up to 5 acres | Up to 10 acres |
| Processing Fee | Rs. 1,000/acre | Waived (Zero Fee) |
| Cash Withdrawal | Not allowed | 30% of loan amount |
| Diesel/Petrol Purchase | Not allowed | 20% of loan amount |
| Eligible Purchases | Bulk items only | Fertilizers, diesel, headers, etc. |
Kisan Card Phase 2 Start May 2025
The Punjab Government’s Kisan Card Phase 2 is a game-changer for farmers, offering interest-free loans up to Rs. 300,000 with no processing fees. This initiative enables farmers to access essential resources like fertilizers, diesel, and agricultural machinery more conveniently. With added benefits like 30% cash withdrawal and 20% fuel allocation, it empowers small to medium-scale landowners to improve their productivity without financial burden.
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Eligibility Criteria
- Citizenship/Residency: Pakistani resident of Punjab.
- Land Ownership: 1–25 acres registered in your name (govt. records).
- Documents: Valid CNIC, registered mobile number, active bank account.
- Loan Defaulters: Not eligible if previously defaulted on any bank loan.
- Repayment for Phase 1 Users: Must clear Phase 1 loan by May 15 to qualify for Phase 2.
How to Apply for Kisan Card Phase 2
- Visit Agriculture Office: Go to the nearest Punjab Agriculture Department office with:
- Original CNIC
- Land ownership documents (Fard/Jamabandi)
- Fill Application Form: Submit the Kisan Card form with verified details.
- Verification: Staff will cross-check land records digitally.
- SMS Confirmation: Wait for approval SMS from the Punjab Government.
- Collect Kisan Card: Upon approval, collect your card from the designated bank.
Loan Usage & Benefits
- 30% Cash Withdrawal: Via ATM/bank.
- 20% for Diesel/Petrol: At designated fuel stations.
- Remaining 50%: For agricultural inputs (seeds, fertilizers, machinery).
Important Notes
- Phase 1 Holders: Repay your loan before May 15 to reapply in Phase 2.
- New Applicants: Ensure land is registered in your name (no joint ownership issues).
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Helpline & Support
- Toll-Free: 0800-17000
- Phone: 042-99200759 (Mon–Sat, 8 AM–8 PM)
- Email: [email protected]
- Website: www.agripunjab.gov.pk
Conclusion
Kisan Card Phase 2 offers greater financial support to Punjab’s farmers. If you’re eligible, apply now to benefit from higher loans, zero fees, and flexible usage. Share this guide with fellow farmers!