CM Punjab Kissan Card 2026: Eligibility, Loan Amount and Registration

CM Punjab Kissan Card is a government initiative designed to provide interest free agricultural financing to farmers in Punjab. The scheme helps eligible farmers purchase essential crop inputs and meet seasonal farming expenses without relying on conventional high cost credit.

Punjab Agriculture Department has now included the Chief Minister Punjab Kissan Card Phase II in its 2026 to 2027 development program. The new phase has a target of providing interest free loans to 1 million Kissan Card holders.

According to the department, farmers can receive loans of up to Rs. 360,000 per cropping season for three cropping seasons.

Kissan Card Phase II 2026

Kissan Card has now entered its second phase for the 2026 to 2027 and 2027 to 2028 period.

According to the Punjab Agriculture Department’s current development program, Phase II has the following targets:

The official development program specifically states that the scheme will provide interest free loans to one million Kissan Card holders and financing of up to Rs. 360,000 per cropping season for three cropping seasons.

How much loan can farmers get?

The latest official Phase II information says that financing can reach Rs. 360,000 per cropping season.

This figure should not be confused with the earlier version of the Kissan Card scheme. Under the first phase, the Bank of Punjab listed a maximum financing limit of Rs. 150,000 per farmer per season, based on financing of up to Rs. 30,000 per acre for a maximum of five acres.

The Punjab Government’s earlier Kissan Card information also described the first phase as providing up to Rs. 150,000 per season for eligible farmers.

For Phase II, the Agriculture Department has officially announced the higher financing ceiling of Rs. 360,000 per cropping season. Farmers should therefore rely on the latest official Phase II instructions when applications for the relevant season are opened.

Who can apply for Punjab Kissan Card?

Farmers with land holdings of up to 12.5 acres could qualify, provided their land record was available through the Punjab Land Records Authority.

The farmer also needed a mobile SIM registered in his or her own CNIC and verified through PMD. Land ownership and other information were subject to digital verification.

Bank of Punjab’s original program information also listed the following requirements:

1. The applicant must be a landowner registered with PLRA.
2. The farmer must have a valid CNIC.
3. The mobile number must be registered in the farmer’s own name.
4. The applicant must meet the applicable credit history requirements.
5. The minimum age was 18 years.
6. The original financing facility was available against eligible agricultural land within the scheme’s prescribed limits.

However, these requirements relate to the earlier program documentation. The Punjab Agriculture Department’s current Phase II page confirms the new financing targets, but it does not publish a complete updated farmer eligibility checklist on the same page. Applicants should therefore verify the latest Phase II eligibility conditions before submitting an application.

Kissan Card loan is interest free

One of the main features of the program is that the farmer’s financing is interest free.

Bank of Punjab’s original Kissan Card documentation states that the cost of credit for farmers was 0 percent, with the markup subsidized by the Government of Punjab.

Agriculture Department’s Phase II development information also describes the new facility as interest free.

This means farmers should distinguish between the government’s subsidized farmer financing and ordinary agricultural loans offered by commercial banks.

Kissan Card Uses

Kissan Card is intended for agricultural requirements rather than general personal spending.

Under the original program, the facility could be used for approved agricultural inputs, including:

1. Seeds
2. Fertilizers
3. Other eligible agricultural inputs approved under the program

Bank of Punjab’s original Kissan Card information specifically identified fertilizers and seeds among the targeted inputs.

Punjab Agriculture Department’s earlier development material also listed seeds, fertilizer, pesticides and diesel among the intended facilities for Phase II. However, the exact list of eligible purchases can change according to the applicable program rules and season, so farmers should confirm the approved items before making a transaction.

How to register for Punjab Kissan Card?

For the original Kissan Card registration process, the Punjab Government instructed farmers to send an SMS in the following format:

PKC CNIC number

Sent a message to 8070.

After registration, the farmer’s information could be checked against government databases. The official process included verification through land records, NADRA, PMD and credit related systems before issuance of the card.

Because the scheme has now moved into Phase II, farmers should check the latest instructions issued by the Punjab Agriculture Department before relying on an old registration method. The government may retain or update the registration process for the new phase.

Kissan Card verification process

The scheme uses digital verification to confirm whether an applicant meets the required conditions.

Under the original procedure, farmer information was matched with land ownership records maintained through PLRA. Other checks involved NADRA, PMD and credit information systems.

This process is important because the Kissan Card is linked to agricultural land and the applicant’s identity. Farmers should make sure that their CNIC details, mobile SIM and land record are correct before attempting registration.

If the mobile number is not registered against the applicant’s own CNIC, the verification process may not be completed successfully under the published eligibility rules.

Kissan Card repayment period

The original Bank of Punjab program provided financing for a maximum period of six months, followed by a one month grace period for repayment.

This information belongs to the earlier program cycle. Since Phase II has a different financing structure and covers three cropping seasons, farmers should follow the repayment schedule communicated with their approved financing facility.

Applicants should not assume that the previous repayment terms automatically apply to every Phase II loan.

Where can Kissan Card holders purchase agricultural inputs?

Punjab Agriculture Department maintains information about registered dealers where Kissan Card holders can make eligible purchases.

The department’s official Kissan Card page currently provides a section for registered dealers.

Farmers should use authorized dealers and confirm that the product they intend to purchase is eligible under the Kissan Card rules.

Kissan Card and Bank of Punjab

Bank of Punjab is a key banking partner for the Punjab Government’s Kissan Card initiative.

The bank’s agriculture portfolio currently lists the CM Punjab Kissan Card among its agriculture financing products.

The bank’s published Kissan Card information explains that the program was developed to provide unsecured credit support to small farmers and help them meet crop production expenses.

What farmers should check before applying

Farmers should keep their basic information updated before registration or verification. Make sure that

1. Your CNIC is valid.
2. Your mobile SIM is registered in your own name.
3. Your land ownership record is correctly reflected in PLRA.
4. Your personal information matches your official records.
5. You use only official Punjab Government or Bank of Punjab channels.
6. You do not pay an unofficial person claiming to guarantee Kissan Card approval.

Bank of Punjab has also published warnings on some of its verification processes that applicants should not pay cash to representatives for processing. Farmers should be cautious about anyone asking for unofficial charges.

Is Kissan Card registration open in 2026?

Punjab Government has officially included CM Punjab Kissan Card Phase II in its 2026 to 2027 development program, with a target of one million farmers and financing of up to Rs. 360,000 per cropping season.

However, the availability of a new farmer registration window is a separate matter. The Agriculture Department’s current development page confirms the Phase II program, but it does not by itself establish that a fresh public registration window is open today.

Farmers should therefore check the latest notification from the Punjab Agriculture Department before submitting their details.

The department’s official Kissan Card page can be used to check current scheme information and registered dealers.

Important update about Phase II

There has been some older information online showing a Rs. 300,000 maximum loan and a landholding limit of 25 acres for the second phase.

The Agriculture Department’s current 2026 to 2027 development program now states financing of up to Rs. 360,000 per cropping season for three cropping seasons and a target of one million Kissan Card holders.

For this reason, farmers should give preference to the latest official Agriculture Department information instead of relying on older articles or social media posts.

Official sources for Kissan Card

Farmers can verify the latest information through the official Punjab Agriculture Department and Bank of Punjab websites.

Punjab Agriculture Department, CM Punjab Initiatives

Punjab Agriculture Department, Kissan Card page

Bank of Punjab, CM Punjab Kissan Card

Frequently Asked Questions

What is the CM Punjab Kissan Card?

It is a Punjab Government agricultural financing initiative that provides eligible farmers with subsidized or interest free credit for approved farming requirements.

How much loan is available under Kissan Card Phase II?

The Punjab Agriculture Department’s current 2026 to 2027 development program states that farmers can receive up to Rs. 360,000 per cropping season, for three cropping seasons.

Is the Kissan Card loan interest free?

Yes. The current Phase II program is described by the Punjab Agriculture Department as providing interest free loans.

Who is eligible for the Kissan Card?

The original published eligibility criteria covered farmers whose land records were available through PLRA, with a valid CNIC and mobile number registered in their own name. The detailed eligibility rules for the new Phase II should be confirmed from the latest official notification.

Can the Kissan Card be used for personal expenses?

No. The facility is designed for approved agricultural requirements and eligible farming inputs.

Which bank issues the Kissan Card?

The Bank of Punjab is the banking partner associated with the CM Punjab Kissan Card program.

What is the SMS code for Kissan Card registration?

The Punjab Government’s original registration instructions stated that farmers could send PKC followed by their CNIC number to 8070. Farmers should confirm whether this method remains applicable for the current Phase II registration window.

Is the Kissan Card Phase II active?

Yes. The Punjab Agriculture Department has included the CM Punjab Kissan Card Phase II in its 2026 to 2027 development program for the 2026 to 2027 and 2027 to 2028 period.