Kisan Card. The Kisan Card for Farmers 2025 is a new initiative launched by Prime Minister Shehbaz Sharif under the Youth and Farmers Empowerment Program. This scheme helps farmers across Punjab get easy, interest-free loans to buy tractors, fertilizers, and other agricultural equipment.
With the leadership of Chief Minister Maryam Nawaz, the Punjab government has reintroduced the Kisan Card to support local farmers, boost agricultural productivity, and reduce financial stress on small-scale growers.
What Is the Kisan Card?
The Kisan Card is a digital financial tool designed for farmers to access government-supported loans and subsidies. It acts like a debit card through which farmers can:
- Get interest-free loans for tractors and crop expenses.
- Purchase fertilizers, seeds, and pesticides at discounted prices.
- Make payments in easy monthly installments.
- Access other agriculture-related schemes from the Punjab government.
| Key Feature | Details |
|---|---|
| Program Name | Punjab Kisan Card Loan Scheme 2025 |
| Initiated By | PM Shehbaz Sharif & CM Maryam Nawaz |
| Loan Range | Rs. 20,000 – Rs. 5,000,000 |
| Interest Rate | 0% (Interest-Free Loans) |
| Eligible Area | Punjab Province |
| Bank Partner | Bank of Punjab (BOP) |
Kisan Card For Farmers To Get Loan For Tractor By Easy Installment 2025
Through the Kisan Card, farmers can now buy tractors and agricultural equipment in easy monthly installments. The main purpose is to make modern machinery accessible for every farmer, even those with limited resources.
Farmers can also:
- Purchase spray fertilizers and seeds at reduced prices.
- Get loan assistance directly credited to their Kisan Card account.
- Make repayments without interest, ensuring long-term financial relief.
This program benefits both small-scale and commercial farmers, allowing them to improve productivity and income stability.
Benefits of Kisan Card 2025
- Interest-Free Loans for tractors, fertilizers, and crop cultivation.
- Subsidized Agricultural Inputs such as seeds and pesticides.
- Simple Online Application Process through the government portal.
- Equal Opportunity for youth and women farmers.
- Secure Transactions through official banking partners.
Documents Required for Kisan Card Loan
Before applying for a Kisan Card, farmers must prepare the following documents:
| Required Document | Description |
|---|---|
| CNIC Copy | National Identity Card for verification |
| Passport-Size Photo | Recent clear photo |
| Education/Experience Certificate | Optional but useful for loan approval |
| Business/Trade Registration | If available, attach license or registration proof |
| Recommendation Letter | From agriculture chamber or local authority |
| Electricity Bill ID | For residential verification |
| Vehicle Registration (if any) | Optional for applicants owning machinery |
| Contact Details | Active mobile number for confirmation messages |
How To Apply For Kisan Card Loan (Step-By-Step Method)
You can apply online through the official Kamyab Jawan or Punjab Kisan Portal. Follow these steps carefully:
- Visit the official Kisan Card or Kamyab Jawan Loan website (https://pmyp.gov.pk/ or Punjab.gov.pk).
- Click on the “Apply Now” or “Register” button.
- Enter your CNIC number and mobile phone number.
- Fill out the registration form with accurate personal and farming details.
- Upload required documents (CNIC, photo, certificates, etc.).
- Submit the application form online.
- You will receive a confirmation message on your registered mobile number.
Once your application is approved, visit the Bank of Punjab (BOP) branch to collect your Kisan Card and proceed with the loan process.
Farmers Can Get Tractor Loans Easily
After successful registration, farmers can use the Kisan Card to apply for tractor financing under easy installment plans.
| Tractor Loan Option | Monthly Installment | Loan Limit |
|---|---|---|
| Small Tractor (45–55 HP) | Rs. 12,000 – 15,000 | Up to Rs. 800,000 |
| Medium Tractor (60–75 HP) | Rs. 20,000 – 25,000 | Up to Rs. 1,200,000 |
| Large Tractor (80–100 HP) | Rs. 30,000 – 35,000 | Up to Rs. 2,000,000 |
These tractors can be repaid over 2–5 years, depending on your plan and income stability.
Important Note
During the registration process, applicants will be asked questions like:
- What type of farming business do you have?
- How much land is registered in your name?
- What is your annual farming income?
Make sure to enter correct and complete information to avoid delays or rejection.
Once your registration is approved, you will receive a confirmation SMS with your loan status.
If eligible, you will be instructed to visit the Bank of Punjab branch for loan disbursement.
Kisan Card Loan Disbursement & Verification
- The loan amount is transferred through the Bank of Punjab directly to the farmer’s Kisan Card.
- Farmers can use this card to purchase tractors, fertilizers, seeds, or pesticides.
- The entire process is digitally verified to ensure transparency and prevent corruption.
Empowering Farmers for a Better Future
The Kisan Card Program 2025 goes beyond just financial support — it’s a complete agricultural development mission. The Punjab government also plans to organize:
- Training sessions on modern farming techniques.
- Workshops for water-efficient irrigation systems.
- Awareness campaigns on soil improvement and sustainable farming.
By combining financial empowerment with education, the government aims to make Pakistani farmers self-reliant and more competitive globally
FAQs About Kisan Card For Farmers
1. What is the purpose of the Kisan Card program?
The program provides interest-free loans and discounts on agricultural supplies to help farmers improve their crop production and machinery access.
2. What benefits can farmers get with the Kisan Card?
Farmers get discounted fertilizers, installment-based payments, and interest-free tractor loans ranging from Rs. 20,000 to Rs. 5,000,000.
3. What documents are required to apply for the Kisan Card?
CNIC, passport photo, education or experience certificate, and electricity bill ID are mandatory for registration.
4. How can I apply for a Kisan Card online?
Visit the Kamyab Jawan Loan Program portal, complete the form with accurate details, and submit it online for review.
Conclusion
The Kisan Card for Farmers 2025 is a golden opportunity for farmers across Punjab. Whether you need a tractor loan, fertilizer discount, or interest-free credit, everything is now available in easy monthly installments.
All you need is to apply online, verify your documents, and wait for the confirmation message. Once approved, visit the Bank of Punjab and collect your Kisan Card.
