Punjab Kissan Card 2025: 4th Phase Opens Big Rewards for Farmers

The CM Punjab Kissan Card scheme has entered its 4th phase in 2025, promising bigger rewards and easier access for farmers in the province. According to the official portal of the Government of Punjab’s Agriculture Department, the card is designed to provide interest-free loans, subsidised inputs, and streamlined services via digital verification. In Phase 4, the programme expands both the number of eligible farmers and the loan-amount ceilings.

What farmers stand to gain

Here’s a breakdown of the key benefits under Phase 4:

• Interest-free loans for up to Rs 150,000 per season for eligible farmers (for land-holdings up to 12.5 acres).
• Increased per-acre loan limits (previous phases reported Rs 40,000 per acre under Phase II).
• Ability to purchase agricultural inputs, seeds, fertilisers, land-preparation equipment via authorised vendors under the card’s digital ecosystem.
• Direct support linked to crop-specific programmes: for example, wheat support of Rs 5,000 per acre through the Kissan Card was approved in mid-2025.

Who is eligible in this phase

Phase 4 aims to include more farmers, with the following eligibility conditions:

• Land-holding up to a certain cap (in earlier documents up to 12.5 acres) and registration with land-record authority.
• Valid CNIC, SIM registered in own name, and digital verification via the PLRA / NADRA systems.
• Application via the official channel – SMS or via the Bank of Punjab / Agriculture-department portal.
• Repayment of earlier loans (if applicable) to maintain eligibility for newer rounds. For example, Phase II noted that timely repayment was encouraged for farmers to qualify.

How the application and disbursement work

Farmers who qualify should follow these steps:

1. SMS registration (e.g., send “PKC <space> CNIC” to the designated number) or visit local agriculture-office.
2. Submit land-record information, CNIC, active mobile/SIM, and other required documents.
3. On approval, the card is issued (physical or virtual) via the issuing bank (such as Bank of Punjab) and funds are made available.
4. Use the card to purchase authorised inputs or access cash/loan as specified.
5. Repay according to schedule; the earlier phases highlighted a grace period and interest-free tenure up to six months.

Key numbers and figures to note

• So far, under the programme the government has disbursed Rs 84 billion out of the allocated Rs 100 billion for Phase II, with 628,000 cards issued.
• Previous earlier phase: Per-acre limit of Rs 40,000 for those up to 25 acres land‐holding.

Things farmers should keep in mind

• Ensure your land records in the PLRA are digitised and up to date.
• The SIM number must be in your name and active, many verifications depend on SMS alerts.
• Read the card terms carefully, what you spend it on (inputs vs cash) may vary.
• Timely repayment is crucial to stay eligible for future rounds.
• Keep all documentation, SMS confirmations and bank slips, in case you need to follow up.

Conclusion

With Phase 4 of the Kissan Card now open, this is a strong opportunity for Punjab’s farmers to access interest-free loans and subsidised inputs under a more inclusive system. If you fit the eligibility criteria and ensure your records are correct, you could be among the first to benefit. Stay prepared, stay verified and this programme could genuinely support your crop season ahead.

FAQs

1. What is the Kissan Card Phase 4?
   It’s the latest iteration of Punjab’s agricultural support card for farmers offering loans/subsidies under the CM Kissan Card programme.
2. How much loan can I get?
   Up to Rs 150,000 per season (for land-holdings up to 5 acres in earlier versions) and higher per-acre limits in later phases.
3. Who qualifies?
   Farmers in Punjab with valid CNIC, land records, SIM in own name and land up to specified cap (e.g., ~12.5 acres).
4. How do I apply?
   Through SMS to the designated number or via local agriculture office and Bank of Punjab portals.
5. What can I buy with the card?
   Agricultural inputs like seeds, fertilisers, maybe cash/loan components depending on scheme details.
6. Is the loan interest-free?
   Yes, in the official cards the cost of credit is fully subsidised by the government.
7. What happens if I don’t repay?
   Non-repayment may affect eligibility for future rounds and benefits. Previous phases stressed timely repayment.
8. Is the programme already running or starting later?
   It is ongoing; Phase II has already disbursed billions and Phase 4 is opening now.
9. Where do I check scheme details?
   Through the official Punjab government portal: Visit Official Website
10. Do large-land farmers qualify?
    The scheme targets small to medium farmers; land-holdings beyond set thresholds may be excluded or have different terms.