Punjab Kisan Card Phase II 2025 Full Guide
Punjab Government has officially launched Phase II of the Kisan Card Program 2025, aiming to empower small and medium-scale farmers through interest-free agricultural loans, subsidies, and access to digital farming services.
If you’re a farmer in Punjab, this guide will help you understand everything from eligibility criteria, required documents, and the step-by-step registration process — all in simple language. ✅
Let’s get started! 👇
🧾 What is the Punjab Kisan Card Scheme?
The Kisan Card is a smart agriculture support card launched by the Punjab Government in collaboration with Punjab Agriculture Department and UBL (United Bank Limited).
It allows registered farmers to:
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Get interest-free loans up to Rs. 150,000 per crop
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Access fertilizer, seeds, and pesticides on subsidy
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Avail of agricultural machinery on installment
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Use the card at POS machines and UBL ATMs
🚀 Phase II (2025) includes more districts, digital verification, and loan tracking through mobile apps.
✅ Eligibility Criteria for Punjab Kisan Card 2025
Check the updated requirements below to see if you’re eligible:
| Eligibility Factor | Requirement |
|---|---|
| Residency | Must be a resident of Punjab |
| Farmer Status | Must be a registered farmer (زرعی پاس بک) |
| Land Ownership | Must own or lease up to 12.5 acres of agricultural land |
| CNIC | Valid Pakistani CNIC with verified SIM on own name |
| Bank Account | Active account in UBL or any linked bank |
| Default Status | No previous default on agricultural loans |
❌ Who Is Not Eligible?
Farmers are not eligible if they:
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Owns more than 12.5 acres
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Are already defaulters of loans
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Provide incorrect land records
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Are government employees using farmland commercially
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Don’t have a verified SIM linked to their CNIC
📋 Documents Required for Kisan Card Phase II
Before applying, keep these documents ready:
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✅ CNIC (Front & Back Copy)
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✅ Land Ownership Document (Fard-e-Malkiat or Lease Papers)
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✅ Latest Utility Bill (as proof of address)
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✅ 1 Passport Size Photo
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✅ Active Mobile Number (registered on CNIC)
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✅ Bank Account IBAN or ATM Card (preferably UBL)
🖥️ Step-by-Step Guide to Apply for Punjab Kisan Card Online
Here’s how to complete your registration process easily:
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📲 *Dial 8070# from your SIM registered on CNIC
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Select “Kisan Card Registration” from the options
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Enter your CNIC Number and Land Record Number
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You’ll receive a confirmation SMS if you meet the criteria
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Visit the nearest Agriculture Office or UBL branch for biometric verification
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Submit all required documents and open a Kisan Account (if needed)
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After verification, receive your Kisan Card by mail or at the office
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Link your card with the UBL Digital App for full control and e-tracking
📅 Registration Deadline for Phase II: 30 September 2025 (subject to extension)
📊 Program Details at a Glance
| Feature | Details |
|---|---|
| Scheme Name | Punjab Kisan Card Phase II 2025 |
| Max Loan Amount | Rs. 150,000 (per crop season) |
| Markup | 0% (Interest-Free under Punjab Govt Subsidy) |
| Eligibility Area | All Punjab Districts (Phase II added 12 new districts) |
| Application Mode | USSD (*8070#) + Physical Biometric Verification |
| Card Issuer | United Bank Limited (UBL) |
| Benefits | Loans, subsidies, crop inputs, and installment machinery |
| Application Deadline | 30 September 2025 (tentative) |
💬 FAQs – Punjab Kisan Card Scheme
Q1: Can tenants (زارعین) apply?
✅ Yes, if you have valid lease documents or land registry proof.
Q2: What can I use the card for?
💳 You can use it for purchasing fertilizers, pesticides, seeds, and also withdraw cash from UBL ATMs.
Q3: Is it compulsory to open a UBL account?
Yes, for direct disbursement and card management.
🏁 Final Words
The Punjab Kisan Card Phase II 2025 is a golden opportunity for farmers to take control of their agricultural inputs, reduce financial burden, and increase productivity — all through a smart, transparent, and digital system. 🌿📈