وزیراعلیٰ پنجاب کسان کارڈ

CM Punjab Kissan Card Loan Calculator

Use the CM Punjab Kissan Card Loan Calculator to find out if you qualify for interest-free agricultural loans of up to Rs. 1.5 lakh for farmers across Punjab.

Rs. 30,000 / Acre | Max Loan: Rs. 150,000 | Validity: 6 Months

Loan Calculator

📋

How to Apply - CM Punjab Kissan Card

کیسے اپلائی کریں - وزیراعلیٰ پنجاب کسان کارڈ

1
✅

Check Eligibility

اہلیت چیک کریں

  • Land holding: 1 to 12.5 acres
  • زمین: 1 سے 12.5 ایکڑ
  • SIM must be registered on your CNIC (PMD verified)
  • سم آپ کے شناختی کارڈ پر رجسٹرڈ ہو (پی ایم ڈی تصدیق)
  • Land record available in PLRA
  • پی ایل آر اے میں زمین کا ریکارڈ موجود ہو
2
📲

Register via SMS

ایس ایم ایس کے ذریعے رجسٹر کریں

  • Type: pkc<space>CNIC
  • لکھیں: pkc<space>شناختی کارڈ نمبر
  • Send SMS to 8070
  • 8070 پر ایس ایم ایس کریں
  • Wait for confirmation message
  • تصدیقی پیغام کا انتظار کریں
3
🔍

Digital Verification

ڈیجیٹل تصدیق

  • Verification via PLRA, NADRA, PMD, eECIB
  • پی ایل آر اے، نادرا، پی ایم ڈی، ای ای سی آئی بی کے ذریعے تصدیق
  • First come first serve basis (initial target 500,000 farmers)
  • پہلے آئیں پہلے پائیں (ابتدائی 5 لاکھ کسان)
4
💳

Get Kissan Card (BOP)

کسان کارڈ حاصل کریں

  • Card issued by Bank of Punjab (BOP)
  • بینک آف پنجاب سے کارڈ جاری ہوگا
  • Use only for agri inputs (Fertilizer, Seed etc.)
  • صرف زرعی اشیاء کے لیے (کھاد، بیج وغیرہ)
  • Free SMS notifications for transactions
  • لین دین کی مفت ایس ایم ایس اطلاع

⭐ Key Features of CM Punjab Kissan Card کسان کارڈ کی اہم خصوصیات

💰
Maximum Loan (Per Season)

زیادہ سے زیادہ قرض (فی سیزن)

PKR 150,000
🌾
Per Acre Limit

فی ایکڑ حد

PKR 30,000 / Acre
📅
Card Validity

کارڈ کی مدت

6 Months
⏳
Grace Period

رعایتی مدت

1 Month (After 6 Months)
0️⃣
Interest Rate

سود کی شرح

0% (Interest-Free)
🧾
Usage Restriction

استعمال کی پابندی

Only Agri Inputs

⚠️ Important Points to Remember یاد رکھنے کے اہم نکات

➤

Loan is seasonal (sowing to harvesting) and interest-free

قرض موسمی ہے اور سود سے پاک ہے

➤

Maximum eligible acres: 12.5 (land record must be in PLRA)

زیادہ سے زیادہ رقبہ 12.5 ایکڑ (پی ایل آر اے ریکارڈ ضروری)

➤

Loan amount can only be used for fertilizers, seeds, and approved vendors

رقم صرف کھاد، بیج اور مجاز وینڈرز سے خریداری کے لیے

➤

After 6 months, 1 month grace period for repayment or return of funds

6 ماہ کے بعد 1 ماہ رعایتی مدت ادائیگی کے لیے

Calculation Results (نتائج)

Eligible Loan Amount (اہل قرض کی رقم)
Rs. 0
Per Acre Calculation (فی ایکڑ حساب)
Rs. 0
📅 Validity & Repayment Window (مدت اور ادائیگی)
Card Validity
6 Months
Grace Period
1 Month
Repayment Amount (End of Grace Period)
Rs. 0
Month Status Payment Balance
Note: This calculator estimates loan eligibility based on Rs. 30,000 per acre with max cap Rs. 150,000. Repayment shown as full settlement after 6 months + 1 month grace period (interest-free).
Punjab Government Schemes

CM Punjab Kissan Card Eligibility Checker

Learn more about eligibility, how to apply, and other schemes under this initiative.

All Other Related Schemes

Explore all available schemes by the Punjab Government to uplift society and community.

View All Schemes

Kissan Card Eligibility Checker

Check if you are eligible for the CM Punjab Kissan Card Scheme loan or not.

Calculate Loan

How to Apply For Kissan Card

Step-by-step guide on how to apply for the CM Punjab Kissna Card Scheme.

Learn How to Apply

Complete Guide to CM Punjab Kissan Card Loan Calculator

Who Should Use This Kissan Card Calculator?

This calculator is essential for Punjab farmers who want to quickly determine their maximum loan eligibility before applying. Whether you hold 1 acre or 12.5 acres of agricultural land, this tool instantly shows your potential borrowing capacity. The calculator removes guesswork and helps farmers plan their cultivation budget accurately.

How the Kissan Card Loan Amount Works

Key Calculation Method:

  • Your eligible loan = Land holding (acres) × Rs. 30,000 per acre
  • Maximum possible loan amount = Rs. 150,000 regardless of acreage
  • The system automatically caps your loan if per-acre multiplication exceeds Rs. 150,000

Practical Examples:

A farmer with 3 acres qualifies for Rs. 90,000 (3 × Rs. 30,000) A farmer with 5.5 acres qualifies for Rs. 150,000 (capped from Rs. 165,000) A farmer with 2 acres qualifies for Rs. 60,000 only

Critical Eligibility Requirements You Must Meet

Before using the calculator, verify you satisfy these mandatory conditions:

  • Land holding size between 1 and 12.5 acres
  • Active SIM card registered against your CNIC (verified through Pakistan Mobile Database)
  • Existing land records in Provincial Land Records Authority system
  • Pakistani citizenship with valid national identity card
  • No existing default on agricultural credit facilities

Important Timeline You Should Know

  • Card Validity Period: 6 months from issuance date
  • Grace Period: 1 additional month for loan repayment
  • Total Timeline: 7 months from card activation to final repayment deadline
  • Interest Rate: Zero percent throughout the entire loan duration

Permitted Uses of Your Kissan Card Loan

The interest-free amount can only be spent on approved agricultural inputs:

  • High-quality fertilizers and soil amendments
  • Certified seeds and nursery plants
  • Pesticides and crop protection chemicals
  • Irrigation equipment and accessories
  • Approved agricultural vendors only

Why Choose This Kissan Card Over Traditional Farming Loans?

Traditional agricultural loans burden farmers with 15-25% annual interest rates. The Kissan Card eliminates this expense entirely. Plus, the government verifies all your details digitally, removing lengthy documentation hassles and nepotistic delays.

The card ensures transparent transactions through Bank of Punjab, preventing middleman exploitation and providing SMS-based transaction notifications.

❓ Frequently Asked Questions

CM Punjab Kissan Card Loan Calculator FAQs

Understand how the loan calculator works, repayment rules, and usage guidelines.

🧮 How does the CM Punjab Kissan Card calculator work?
+
The calculator multiplies your land holding (in acres) by Rs. 30,000 per acre to determine your loan amount.
Example: 4 acres × Rs. 30,000 = Rs. 120,000 loan
The maximum limit is Rs. 150,000.
📊 What is the maximum loan amount I can get?
+
The maximum loan amount is Rs. 150,000, even if your land exceeds 5 acres.
⚖️ Why is there a Rs. 150,000 cap?
+
The cap ensures the scheme remains affordable and sustainable while still supporting medium-scale farmers effectively.
✅ How accurate is this calculator?
+
The calculator uses official rates and is 100% accurate for estimation. Final approval depends on verification through PLRA, NADRA, and banking checks.
🔁 Can I apply for another loan after repayment?
+
Yes. After fully repaying your loan within the allowed time, you can apply again in the next season through the Bank of Punjab.
⏳ What is the loan repayment period?
+
You get 6 months validity plus 1 month grace period.
Total time: 7 months to repay without penalty
⚠️ What happens if I miss the repayment deadline?
+
Contact the Bank of Punjab immediately. Late repayment may affect your eligibility for future loans and may lead to restructuring options.
💰 Can I repay the loan early?
+
Yes, early repayment is allowed and there are no penalties for paying before the due date.
📆 Can I repay in installments?
+
The official structure requires full repayment at the end of the period. However, you may confirm installment options with your Bank of Punjab branch.
🌾 What can I purchase using the Kissan Card loan?
+
You can only buy approved agricultural inputs:
  • Fertilizers and soil amendments
  • Certified seeds and plants
  • Pesticides and crop protection products
  • Irrigation equipment
Purchases must be made through approved vendors.

Calculate Your Loan Now

Enter your land holding and instantly see how much loan you can get under the scheme.

Use Loan Calculator
Scroll to Top