Punjab Kisan Card Phase 2 is an initiative by the Punjab government to offer Rs. 300,000 interest-free loans. These loans help farmers buy seeds, fertilizers and diesel during the Kharif season. The scheme expands eligibility to farmers with up to 25 acres of land. It builds upon the success of Phase 1.
The Punjab Kisan Card is a new hope for farmers across Punjab. Punjab Kisan Card Phase 2 offers interest-free loans to support small and medium landholders. The goal is to improve crop yields and reduce financial stress. With a seamless registration process and direct subsidies, farmers now have powerful financial tools in hand.
Eligibility Criteria for Punjab Kisan Card Phase 2
The eligibility criteria have been updated in Punjab Kisan Card Phase 2 to include more farmers. Landholding eligibility has been extended from 12.5 acres to 25 acres. This expansion aims to accommodate more small and medium farmers. To qualify, applicants must meet the following government-specified conditions to ensure fairness and proper financial disbursement:
- Must be a resident of Punjab
- Own land up to 25 acres
- Must be registered in the government’s land records
- Have a valid CNIC
- Not a defaulter of any bank loan
Key Features of the Punjab Kisan Card Scheme
Punjab Kisan Card Phase 2 offers much more than traditional loan schemes. It provides interest-free seasonal loans with flexible usage, cash withdrawal options, and digital tools. Farmers receive e-vouchers for purchasing fertilizers and seeds, making transactions traceable and transparent. These features aim to modernize agriculture and enhance productivity in Punjab:
- Interest-free loan up to Rs. 300,000
- Up to Rs. 30,000 per acre
- 25% of loan amount allowed for diesel purchase
- 30% of the loan withdrawable as cash
- Digital e-vouchers for fertilizer and seed purchases
- Issued by Bank of Punjab after verification
Registration Process for Punjab Kisan Card
The registration process for the Punjab Kisan Card Phase 2 is now completely online, making it easier and quicker for farmers. Through a digitized system, the Agriculture Department verifies CNIC and land records. The integration ensures only genuine farmers benefit. After approval, the card is collected from the nearest Bank of Punjab branch:
- Visit the official Punjab Agriculture Department website
- Enter your CNIC and landholding details
- The system will check records from the land database
- Submit the application form
- Wait for verification and SMS confirmation
- Visit Bank of Punjab branch to collect your Kisan Card
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Required Documents for Registration
To ensure a smooth application, farmers must prepare essential documents before starting the registration. These documents verify identity, land ownership and communication details. Accurate and up-to-date records prevent delays during the digital verification process. Farmers without a bank account are advised to open one before applying for the Punjab Kisan Card Phase 2:
- Original CNIC
- Copy of land ownership papers
- Mobile number registered with CNIC
- Recent passport-size photograph
- Bank account details (if available)
Loan Disbursement and Usage Rules
Loan disbursement is structured to provide flexibility while ensuring the funds are used for productive purposes. Farmers can use the funds for diesel, seeds, fertilizers or withdraw a portion in cash. E-vouchers ensure the bulk of funds are spent on approved agricultural inputs. This structured approach supports efficient farming practices:
- Rs. 30,000 per acre available
- Total up to Rs. 300,000 per season
- 25% can be used for diesel
- 30% can be withdrawn in cash
- Remaining to be used through vouchers for seeds, fertilizers
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Checklist Before Applying
Before starting the application, farmers should ensure all their documents and records are up to date. This checklist helps avoid delays during the online verification. Ensuring mobile number accuracy and clearing any old loan defaults are critical steps. This preparation increases the chances of successful and fast approval:
- Check land record accuracy in government system
- Ensure mobile number is registered with CNIC
- Get a bank account opened if not already
- CNIC must be valid and updated
- Clear any previous loan defaults
Benefits of Interest-Free Loans for Farmers
Interest-free loans allow farmers to plan the crop season without the pressure of high-interest repayments. This financial relief promotes better decision-making and timely input purchases. With no markup, more funds are available for actual farming activities. These loans aim to reduce farmer debt cycles and promote sustainable agriculture:
- No markup or hidden charges
- Helps manage farming expenses
- Encourages proper use of agricultural resources
- Improves yields and income
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Punjab Kisan Card Phase 2 vs. Phase 1: What’s New?
Punjab Kisan Card Phase 2 includes major upgrades based on farmer feedback. The land limit has been doubled, and digital systems are fully implemented. Subsidy coverage is broader, with easier registration and improved cash accessibility. These updates aim to serve more farmers efficiently and provide greater transparency and convenience:
| Feature | Phase 1 | Phase 2 (2025) |
|---|---|---|
| Maximum Landholding Eligibility | Up to 12.5 acres | Up to 25 acres |
| Interest-Free Loan Limit | Rs. 150,000 (Rs. 30,000 per acre) | Rs. 300,000 (Rs. 30,000 per acre) |
| Diesel Purchase Allocation | Not available | 20% of the loan amount |
| Cash Withdrawal Facility | Not available | 30% of the loan amount |
| Service Charges | Rs. 1,000 per acre | Fully waived |
| Input Purchase Method | Manual or paper-based | Digital e-vouchers |
| Storage Facility Access | Limited | Included |
| Registration Method | Manual / In-person | Fully Online |
| Issuing Authority | Bank of Punjab | Bank of Punjab |
Latest Update: May 2025
Government has begun distributing funds under Punjab Kisan Card Phase 2. Over 3,350 registered farmers have received e-vouchers. Diesel subsidy is being released in 100 approved pumps. Thousands of Kisan Cards are in distribution and new registrations are being accepted daily. Farmers can now use 30% of the loan in cash and 20% for diesel purchases. The entire process is interest-free with zero hidden service or processing charges, ensuring maximum benefit to the farmer.
CM Punjab has increased the Punjab Kisan Card Phase 2 loan limit from Rs. 1.5 lakh to Rs. 3 lakh. This enhancement allows better financial planning for seasonal crops. Additionally, the number of registered Kisan Card holders has now exceeded 7.5 lakh farmers. The maximum land ownership limit to qualify has been raised from 12.5 acres to 25 acres, expanding access for medium-scale farmers.
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Conclusion
The Chief Minister Punjab Kissan Card Program is transforming agriculture in Punjab. By providing financial support and modern tools, it helps farmers overcome challenges like rising input costs and limited resources. The Punjab Kisan Card Phase 2 focus on sustainability, through solar tube wells and green tractors, aligns with global trends toward eco-friendly farming.
Farmers have already used Rs 36 billion through the card for inputs, with Rs 22 billion repaid, showing trust in the system. The program’s digital tools, like SMS registration and the PITB dashboard, make it accessible even for rural farmers with limited education. With Rs 400 billion invested, it supports 600,000 farmers and boosts crops like wheat and cotton, contributing to food security and economic growth.
