Government Schemes - Pakistan

Benazir Kafaalat Programme

Benefit: Quarterly cash stipend paid directly to deserving women. BISP's own press release (April 2026) states over 10 million women are benefiting. The exact stipend amount is announced for each payment cycle — third-party sites quote conflicting figures (Rs 13,500 vs Rs 14,500), so confirm the current amount on the official portal before relying on any figure.

Who can apply: Women from low-income households registered in the NSER (National Socio-Economic Registry) survey database, as determined by BISP's eligibility assessment.

How to apply: Check eligibility free of cost at 8171.bisp.gov.pk or SMS your CNIC number to 8171. Registration and survey updates take place at BISP tehsil offices / NSER dynamic registry desks. Registration is completely free — never pay any agent. BISP helpline: 0800-26477.

Benazir Taleemi Wazaif

Benefit: Conditional cash stipends for the children of BISP beneficiary families, from primary to higher secondary level, paid against school enrolment and regular attendance. BISP reports over 8.8 million children enrolled since the programme began.

Who can apply: Children of active Benazir Kafaalat beneficiary women, enrolled in a recognised school or college.

How to apply: Register the child at your nearest BISP tehsil office with the child's B-Form; enrolment and attendance are verified through the child's school. Details at bisp.gov.pk.

Benazir Nashonuma Programme

Benefit: Nutrition support for pregnant and lactating women and children under two: specialised nutritious food plus conditional cash assistance, delivered through Nashonuma facilitation centres (578 centres, plus 224 nutrition stabilisation centres). BISP announced a three-year extension in July 2026 with WFP, UNICEF and WHO support; 4.7 million women and children reached so far, target 8 million.

Who can apply: Pregnant and lactating women and children under 2 years of age, prioritising BISP beneficiary families in covered districts.

How to apply: Visit the Nashonuma facilitation centre at your tehsil/district hospital with your CNIC and register; benefits are linked to health check-ups and growth monitoring visits.

Sehat Sahulat Program (Federal)

Benefit: Free indoor (inpatient) treatment at 1,100+ empanelled hospitals for permanent-resident families of Islamabad, Azad Jammu & Kashmir, Gilgit-Baltistan and District Tharparkar (Sindh), per the official Mera Sehat Card programme information. The programme does not publish a per-family cover figure on its public pages, so do not rely on amounts quoted by third-party sites.

Who can apply: Families whose permanent residence (per NADRA records) is in Islamabad, AJK, Gilgit-Baltistan or District Tharparkar.

How to apply: SMS your CNIC number to 8500 to check eligibility. At any empanelled hospital, present your CNIC at the Sehat Sahulat counter. Helpline: 0800-09009.

Prime Minister's Youth Business & Agriculture Loan Scheme (PMYB&ALS)

Benefit: Subsidised business and agriculture loans through partner banks in three tiers: Tier 1 up to Rs 500,000 at 0% markup, Tier 2 Rs 500,000 to 1.5 million at 5%, Tier 3 Rs 1.5 million to 7.5 million at 7% (bank scheme summaries). A February 2025 expansion announced by PID/SBP added laptop loans of Rs 150,000 to 450,000 for students aged 18-30 in HEC-recognised institutions, and overseas-employment loans up to Rs 1 million for workers proceeding abroad.

Who can apply: Pakistani citizens aged 21-45 (18 and above for IT/e-commerce businesses). Students aged 18-30 for laptop loans; overseas workers aged 21-45 for employment loans.

How to apply: Apply online only through the official portal pmybals.pmyp.gov.pk. Applications are processed by 15 partner commercial, Islamic and SME banks. There is no other official application channel.

Prime Minister's Youth Laptop Scheme (Phase IV)

Benefit: Free laptops for meritorious students of public-sector universities and HEC-recognised institutions. Phase IV covers 100,000 laptops distributed strictly on merit through universities.

Who can apply: Students enrolled in public-sector universities / degree-awarding institutions who meet the HEC and PMYP merit criteria for their programme and semester.

How to apply: Registration was through laptop.pmyp.gov.pk; the portal currently shows registration closed and distribution to selected students is underway. Students should follow their university and pmyp.gov.pk for the next phase.

Prime Minister's Youth Skill Development Program

Benefit: Free technical, vocational and IT training and certifications for young Pakistanis through NAVTTC and partner institutes. The Prime Minister's Youth Programme reports over 217,000 skills scholarships awarded.

Who can apply: Young Pakistanis meeting the age and education criteria of each training batch announced on the PMYP portal.

How to apply: Apply through pmyp.gov.pk when a training batch opens; the programme is listed under the portal's Apply Now section.

Ehsaas Undergraduate Scholarship (HEC)

Benefit: Need-based scholarships for undergraduate students at public-sector universities, covering full tuition fee plus a living stipend, with 50% of scholarships reserved for female students (HEC programme design).

Who can apply: Students admitted on merit in undergraduate programmes of public-sector universities whose family income falls below the threshold set by HEC for the intake.

How to apply: Apply through ehsaas.hec.gov.pk when an intake opens. Note: HEC's official eligibility and FAQ pages still reference the Fall 2021 intake and no current open round could be confirmed at the time of verification — check the portal before applying.

Pakistan Bait-ul-Mal — Individual Financial Assistance

Benefit: One-time financial assistance for the poorest individuals and families for education, medical treatment and general needs, plus assistive devices such as artificial limbs, hearing aids, wheelchairs and white canes. Families of persons with disabilities receive Rs 20,000 per year (one PWD member) or Rs 30,000 per year (two or more PWD members), per PBM's official project pages.

Who can apply: Poor and deserving applicants verified by Pakistan Bait-ul-Mal, including widows, orphans, patients needing treatment and persons with disabilities.

How to apply: Download the relevant form from pbm.gov.pk/forms.html and submit it at the Pakistan Bait-ul-Mal district office or at PBM desks in government hospitals. Helpline: 0800-66666.

DigiSkills Training Program

Benefit: Free online training courses for Pakistanis — freelancing, digital marketing, graphic design, programming and new courses such as AI using Python — run by Ignite and Virtual University under the Ministry of IT & Telecom, with certificates on completion.

Who can apply: Any Pakistani with a valid CNIC and internet access; enrolment is per batch announced on the portal.

How to apply: Register free at digiskills.pk when a batch opens and enrol in courses of your choice.

CM Punjab Himmat Card

Benefit: ATM card carrying a quarterly stipend of Rs 10,500 for eligible persons with disabilities. The programme covers 85,000 beneficiaries: Batch I (40,000) and Batch II (25,000) completed, Batch III (20,000) underway, with a 30% quota for women (Government of Punjab).

Who can apply: Persons with disabilities certified by Social Welfare Punjab and medically assessed as not fit to work; not employed in government or private sector; no recent financial assistance from Bait-ul-Mal, Zakat, PSPA or BISP; BISP PMT score of 45 or below; data present in the DPMIS system.

How to apply: Check your status at dpmis.punjab.gov.pk and register through the Social Welfare Department Punjab. Helpline: 1312.

Punjab Dhee Rani Program (Collective Marriages)

Benefit: Collective weddings for deserving girls arranged by the Punjab government: dowry items worth Rs 206,000 (Quran, prayer mat, double bed with mattress, mirror and dinner set) plus Rs 100,000 salami transferred via ATM card. The current phase covers 3,000 weddings (official Punjab page). Some recent non-official reports claim the salami amount was increased — the official page still states Rs 100,000.

Who can apply: Destitute, orphan or disabled girls, or daughters of persons with disabilities, aged 18-40, holding Punjab domicile. If applications exceed the quota, selection is by e-balloting; an affidavit of unmarried status and willingness is required.

How to apply: Apply at cmp.punjab.gov.pk when registration opens; the portal showed registration closed at the last check. Helpline: 1312.

Apni Chhat Apna Ghar (Punjab)

Benefit: Interest-free housing loans of up to Rs 1.5 million to build a house on your own plot, repayable over 7 years in monthly instalments of about Rs 14,000 after a 3-month grace period. Live counters on the official portal at verification: 178,975 loans disbursed and 108,896 houses completed. Early repayment rebate: 20% if repaid within 1-3 years, 10% within 4-6 years.

Who can apply: Punjab residents who own a plot of 1-5 marla in an urban area or 1-10 marla in a rural area, are head of family in NADRA records, and are not bank defaulters.

How to apply: Apply online at acag.punjab.gov.pk. Helpline: 0800-09100.

CM Punjab Free Solar Panel Scheme

Benefit: Free rooftop solar systems for 100,000 domestic consumers using up to 200 units per month: a 550W system for consumption up to 100 units and an 1100W system for 101-200 units, allocated through balloting.

Who can apply: Domestic consumers whose June 2024 bill showed up to 200 units, with sanctioned load up to 2 kW. Excluded: consumers involved in electricity theft, with defective or multiple meters, or with more than three late bill payments in 12 months.

How to apply: Registration is now closed, as stated on the official portal cmsolarscheme.punjab.gov.pk. Registration was via the portal or by SMS of bill reference number and CNIC to 8800.

Honhaar Scholarship Program (Punjab)

Benefit: Merit scholarships for students of public-sector universities, graduate colleges and medical colleges across 68 disciplines: 30,000 scholarships annually, with Rs 130 billion allocated over eight years and 120,000 students covered in the first four years (Punjab Higher Education Department). A recently announced intake covers AJK-domicile students studying in Punjab.

Who can apply: Meritorious students enrolled in public-sector universities, graduate colleges and medical colleges in Punjab, meeting the merit and domicile criteria announced for each intake.

How to apply: Apply at honhaarscholarship.punjabhec.gov.pk when applications open. Note: the application portal returned a server error at the time of verification — check the Punjab HED website (hed.punjab.gov.pk) for announcements.

PEEF Scholarships (Punjab Educational Endowment Fund)

Benefit: Need and merit-based scholarships from Intermediate to PhD level for talented, deserving students of Punjab. The official portal announces Special Quota Scholarships 2025-26 for Intermediate and Graduation levels, and AJK scholarships administered by PEEF under a Rs 750 million grant from the Government of Punjab.

Who can apply: Students of Punjab (and AJK under the AJK fund) who meet PEEF's merit and financial-need criteria, including special quota categories.

How to apply: Apply through your educational institution or via the student portal at peef.org.pk when a scholarship cycle is announced.

CM Punjab Kisan Card

Benefit: Interest-free seasonal production loan of up to Rs 150,000 (Rs 30,000 per acre) through the Bank of Punjab, usable for seed, fertiliser and pesticide purchases at registered dealers.

Who can apply: Farmers in Punjab owning between 1 and 12.5 acres of agricultural land, registered with the Agriculture Department.

How to apply: Register for the Kisan Card through the Agriculture Department Punjab / Bank of Punjab. Check application status by SMS 'PKC <space> CNIC' to 8070. Agriculture helpline: 0800-17000. Details: agripunjab.gov.pk/kissan-card.

CM Punjab Green Tractor Scheme

Benefit: Government subsidy on locally manufactured tractors allocated through transparent balloting: Rs 750,000 per tractor in Phase IV (50-65 HP, 10,000 tractors) and Rs 1 million per tractor in Phase V (75-125 HP, 9,500 tractors), as announced by Punjab Agriculture Department officials. About 24,000 tractors have already been provided under the scheme.

Who can apply: Farmers in Punjab — minimum 5 acres of agricultural land for Phase IV and 7 acres for Phase V, as announced by the Agriculture Department.

How to apply: Apply at gts.punjab.gov.pk. The last date for Phase V applications was announced as 5 October 2026. Agriculture helpline: 0800-17000. Note: the portal returned a server error at the time of verification.

Last date: 2026-10-05

CM Punjab Livestock Card

Benefit: Interest-free loans of Rs 135,000 to 270,000 for cattle feed (wanda, silage and mineral mixtures) for calf fattening, with a 4-month loan period plus 1-month grace. In Phase 3 the ceiling was raised to Rs 540,000 for farmers keeping 5-20 male calves, with up to 25% cash withdrawal allowed.

Who can apply: Livestock farmers in Punjab registered with the Livestock & Dairy Development Department.

How to apply: Register at plc.punjab.gov.pk or SMS 'PLC <space> CNIC' to 8070. Allocations are first-come, first-served. Helpline: 0800-09211.

Punjab Sehat Card (PHIMC)

Benefit: Free treatment for any disease that requires hospital admission at empanelled hospitals. One card per family head covers the spouse and unmarried children. Medicines and laboratory tests are covered only while the patient is admitted (PHIMC official FAQ).

Who can apply: Families in Punjab registered with NADRA, verified at the hospital's Sehat Sahulat counter against CNIC records.

How to apply: Visit any empanelled hospital in Punjab and present your CNIC at the Sehat Sahulat counter. Programme details and hospital lists: phimc.punjab.gov.pk.

CM Children Heart Surgery Program (Punjab)

Benefit: Completely free heart surgery, treatment and follow-up care for children with congenital heart disease at partner hospitals, administered by PHIMC. Punjab health officials reported 10,331 surgeries completed, including children referred from other provinces (APP, February 2026).

Who can apply: Children diagnosed with congenital heart disease who require surgery or intervention, registered through a partner hospital.

How to apply: Visit a partner hospital — including Children's Hospital Lahore and the Punjab Institute of Cardiology, with centres in Multan, Faisalabad and Rawalpindi — for registration, assessment and scheduling. Programme oversight: phimc.punjab.gov.pk.

Sindh People's Housing for Flood Affectees (SPHF)

Benefit: Grants paid in construction-stage instalments for owner-driven rebuilding of flood-damaged homes as multi-hazard resilient core housing units (with rainwater harvesting and twin-pit latrine). The programme targets the 2.1 million houses damaged in the 2022 floods.

Who can apply: Families in Sindh whose houses were damaged or destroyed in the 2022 floods, verified through SPHF's beneficiary surveys.

How to apply: Check beneficiary status with your CNIC on the SPHF portal sphf.gos.pk and follow up through SPHF district teams.

Benazir Hari Card (Sindh)

Benefit: Cash assistance of Rs 1,000-2,000 per acre for small farmers up to 12.5 acres and Rs 500-1,000 per acre above 25 acres, with priority support for seed, fertiliser and wheat purchase, plus machinery and solar tube-well support, soft loans, crop insurance and disaster assistance. About 1.4 million small farmers were registered at launch (Sindh Agriculture Department).

Who can apply: Small farmers (haris) in Sindh registered with the Agriculture Department; assistance is acreage-based with priority for small landholders.

How to apply: Register at benazirharicard.gos.pk and check card status at cms.benazirharicard.gos.pk.

Mamta — Mother & Child Support Programme (Sindh)

Benefit: Conditional cash transfers of up to Rs 41,000, paid into mobile accounts, for pregnant women and mothers of children under two — covering the first 1,000 days and linked to health check-up visits at designated facilities. The Sindh Social Protection Authority reports over 1.4 million registrations across 22 districts and 1,467 health facilities.

Who can apply: Pregnant women and mothers of children under 2 years in the programme's intervention districts, registered at designated government health facilities.

How to apply: Register at a designated government health facility in your district. Programme information: Sindh Social Protection Authority, sspa.gos.pk.

Roshan Ghar – Roshan Sindh (Free Solar Home Systems)

Benefit: Free solar home system kits (180W panel, battery, DC fan, LED lights and mobile charging) for 275,000 low-income households across 30 districts of Sindh — off-grid households and on-grid protected consumers using up to 100 units. Distribution and installation are ongoing through SRSO and no fee is charged at any stage (Sindh Energy Department, reported by APP).

Who can apply: Low-income households selected through the Sindh government's transparent verification process; BISP-registered families receive priority.

How to apply: Beneficiaries are surveyed and selected by SRSO district teams under the Energy Department's Solar Home System Project. No application fee exists — report anyone demanding payment for registration.

Sehat Card Plus KP

Benefit: Free inpatient treatment at empanelled public and private hospitals for all Khyber Pakhtunkhwa families. There is no separate card — your CNIC is your Sehat Card.

Who can apply: All families registered with NADRA with Khyber Pakhtunkhwa addresses.

How to apply: SMS your CNIC number to 9780 to check eligibility, and present your CNIC at the Sehat Card counter of any empanelled hospital. Helpline: 0800-89898. Details: sehatsahulat.com.pk.

Sehat Card Plus KP — OPD Pilot

Benefit: Free outpatient (OPD) care — consultations, medicines and diagnostics — at participating facilities. The pilot launched in Mardan in February 2025 and is expanding to further districts.

Who can apply: Families identified through BISP/NADRA data with a PMT score of 26 or below, in pilot districts.

How to apply: Register at a participating health facility; SMS your CNIC number to 9930 for programme information. Helpline: 0800-89898.

Ehsaas Nojawan Programme (KP)

Benefit: Interest-free loans of Rs 100,000 to 5,000,000 for young entrepreneurs under a Rs 3 billion, three-year programme, with a 20-month grace period and special quotas for women and persons with disabilities. Loans are delivered through the Bank of Khyber (clusters of 3-5 youth, Rs 1 million to 5 million) and Akhuwat Microfinance Bank (individuals, Rs 100,000 to 500,000), per the KP Directorate of Youth Affairs.

Who can apply: Youth in Khyber Pakhtunkhwa — aged 18-35 for the Bank of Khyber cluster component and 18-40 for the Akhuwat individual component.

How to apply: Apply through Bank of Khyber branches or Akhuwat under the Ehsaas Nojawan window. Programme information: Directorate of Youth Affairs KP, kpyouthaffairs.gov.pk.

KP Household Solarization Programme (PEDO)

Benefit: Solar systems for about 130,000 low-income households — part provided free and part on subsidy/easy instalments — implemented by PEDO with the Bank of Khyber. A merged-districts component covers 120,000 households with 2 kW kits, free or in 36 instalments of about Rs 8,300 (PEDO / APP). Rollout has been reported delayed in the merged districts, so confirm the current phase for your district before applying.

Who can apply: Low-income households, prioritising Ehsaas/BISP-registered families, widows, persons with disabilities and off-grid areas.

How to apply: Applications were taken through the programme's online system; check pedokp.gov.pk for the current phase, district rollout and application window.

BEEF Scholarships (Balochistan Education Endowment Fund)

Benefit: Merit and need-based scholarships for Balochistan students at all levels — schools, colleges, universities and professional institutions, inside and outside the province — awarded through a proactive, institution-based process so deserving students are reached at district level. Out-of-Province Scholarships and DAE applications were announced open on the official site at the time of verification.

Who can apply: Talented and financially disadvantaged students with Balochistan domicile, applying through their educational institutions; special quotas exist for marginalised students.

How to apply: Submit your application to your institution as announced on beef.org.pk. Contact: info@beef.org.pk.