The Government of Punjab has officially launched CM Punjab Kisan Card Phase 2, a powerful initiative to uplift small farmers across the province. Through this smart farming program, eligible farmers can now receive interest-free loans and, as a bonus, subsidy support of up to Rs 100,000 if they repay their loans on time.
This initiative is part of the government’s broader goal to modernize agriculture and support those who feed the nation. It’s designed especially for small-scale farmers with limited resources who often struggle to secure financial help. With this new phase, over one million farmers are expected to benefit, making it one of the largest farmer support schemes in the region.
Top Benefits of CM Punjab Kisan Card Phase 2
Here’s why this card is a game-changer:
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Interest-Free Loans up to Rs 300,000
Farmers can now access loans without any interest, which can be used to buy seeds, fertilizers, tools, and more. -
Subsidy Reward up to Rs 100,000
Farmers who repay their loan on time will receive an additional government subsidy as a reward—this can go up to Rs 1 Lakh. It’s the government’s way of saying “Thank You” for being responsible. -
Direct Access to Government Support
No middlemen. No extra charges. Just pure support directly from the government to your hands. -
Support for Modern Farming
This card encourages farmers to adopt better seeds, use modern tools, and boost production—all while reducing their financial burden.
Who Can Apply for the Kisan Card
To qualify for this scheme, a farmer must:
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Be a resident of Punjab
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Own 12.5 acres or less of land
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Have a valid CNIC
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Be actively involved in farming activities
These criteria ensure that the card reaches those who truly need it most.
Step-by-Step Guide to Apply for CM Punjab Kisan Card
Applying for the Kisan Card is very simple and farmer-friendly. Follow these steps:
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Visit your nearest Bank of Punjab branch or local Agriculture Department office.
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Carry your CNIC and land ownership documents.
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Fill out the application form provided there.
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Complete your biometric verification on the spot.
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Once approved, collect your Kisan Card and start using it for farming-related purchases and loan access.
Also Read: 8171 App Launched Check BISP Payment Faster Than SMS or Web Portal in 2025
How Can You Use the Loan Amount
The interest-free loan can be used for:
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Buying quality seeds
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Purchasing fertilizers and pesticides
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Renting or buying agricultural equipment
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Managing crop production expenses
The card gives farmers financial independence, encouraging better crop planning without the stress of high-interest loans.
Why Timely Repayment is a Big Deal
The government has added a smart feature to this scheme—rewarding timely repayment. If a farmer returns the loan within the agreed period, they are eligible for a subsidy of up to Rs 100,000. This system not only helps reduce debt but also motivates farmers to be financially responsible.
It’s not just about taking a loan. It’s about being rewarded for being smart with money.
Final Words
CM Punjab Kisan Card Phase 2 is more than just a government scheme—it’s a lifeline for thousands of farmers across Punjab. From interest-free loans to generous subsidies, it provides real solutions for real problems faced by farmers every day. If you’re eligible, don’t miss this golden opportunity.
Visit your local Bank of Punjab or agriculture office today and apply for your Kisan Card.
It’s your time to grow—financially and in the field.