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The government of Pakistan introduced the Kisan card initiative for the support of farmers in the agricultural field. This type of support was also introduced in India with the name of “Kisan credit card (kcc)”. in Pakistan, this initiative is named “Kisan Dost Card”. By using this card farmers can get financial support in agricultural fields.

Kisan credit card is aimed at providing timely and adequate credit for their agricultural needs if a farmer is facing issues financially then this card will provide benefits to the farmer at that time. With a Kisan card farmers can easily get funds to purchase seeds, fertilizers, pesticides, and other needs that are important for the agriculture field.

The basic purpose of This card is to provide the farmers with credit amounts for their farming activities without any interest. By using this cycle Kisan can easily get their money when they needed and repayment will be based on harvest time. Interest in this program is subsidized to make credit more affordable for farmers.

Eligibility criteria for this program may vary but it is generally available to all the farmers including all farmers like small and marginal farmers. Sometimes eligibility criteria often include landholding and crop patterns and also repayment capacity.

The basic purpose of the Kisan credit card is to meet the short-term usage of the credit requirements of farmers for their agricultural purposes. This card covers both terms of the loan for farmer’s activities like crop loans and also term loans for agricultural and allied activities.

Some of the basic support for the farmers under this card is farmers will get insurance coverage in case of crop failure, death, and also disability. This is an important point for the farmers it helps them to reduce the risks associated with farming.

Also Read: Ehsaas Online Apply Procedure

Kisan Card Registration

The people who own the land or have contracts then easily apply for this program. Here are the basic criteria for the application of the Kisan card.

• Farmers register themselves at the agricultural department office free of cost and then easily get this card.
• If you apply for the card you need to open the bank account in the HBL connect shop. When you open the account then you need to verify yourself there through biometric verification. When verification is done then you need to deposit 500 in your bank account and after that, you can easily get this card.
• After this, your card will be reported to you on your mobile phone that you register with the agricultural office.
• You will get your credit amounts for your agricultural perspectives with the help of the HBL connect.
• That Card is valid for any agricultural office that you visit. You just go there and show your card and will get benefits under this card easily.
• Farmers can approach the registered dealer for fertilizers or other benefits with the help of the bank.

Kisan Card Subsidy

When you receive the message that your card is delivered to your number then you just go to the assistant director or the deputy director’s office of agriculture and get your card from there. You will get a subsidy through the e-voucher system for the seeds, fertilizers, and grams vouchers you receive from the agriculture office that is for each bag of fertilizer. To get the benefits from this voucher if the farmer wants some fertilizer items, then he needs to send the voucher along with your CNIC into the code 8070 and get the subsidy.

Subsidy details are given as

• Farmers will get a subsidy on the DAP per bag of 1000 PKR.
• Farmers will get a subsidy on the cotton seed per bag of 1000 PKR.
• Farmers will get a subsidy on pesticides per acre at 1200 PKR.

Kisan Card Benefits

This card provides multiple benefits to the farmers, which we will discuss in detail here

• Through this card, farmers can easily get facilities for storage and marketing that crops are saved and used for a longer time.
• Affordable credit for the farmers at low prices.
• Small loans are given through the Zarai Tarakiati Bank Limited (ZTBL) under an easy repayment system. With this system, the government helps the small and marginal farmers to increase productivity.
• Farmers can easily access credit from banks with low-interest rates and easy repayment systems.
• Farmers can easily avail themselves of subsidies on various types of agricultural products like Fertilizers, pesticides and also seeds, etc.
• Kisan card holders’ farmers will get insurance coverage under this program. This insurance coverage includes crops, livestock, and other agricultural-related assets.
• Farmers will get discounts on agricultural products If they hold the Kisan card.
• This card is made to provide ease and convenience to the farmers so that they can easily access the required assets without any financial issues. Through this card, the farmers can easily withdraw the payment, purchase the items, and also pay the bills.
• Farmers who are holding this card can easily get the other scheme benefits through this card. They can get other subsidy program benefits, loans, and financial assistance.

Banks Associated with Kisan Card

Here are the banks and financial institutions that are associated with the Kisan card

• National Bank of Pakistan (NBP)
• Bank Islami Pakistan Limited
• United Bank Limited (UBL)
• The Bank of Khyber
• Habib Bank Limited (HBL)
• Sindh Bank Limited
• Allied Bank Limited (ABL)
• Bank Al Habib Limited
• MCB Bank Limited
• Zarai Taraqiati Bank Limited (ZTBL)

These banks are pro ides different types of features and benefits for the farmers they provide the farmer a certain amount of credit and also discounts, and subsidies on agricultural inputs. Farmers just go to that bank get this card and take all the benefits from the Kisan card.

Punjab Mazdoor Card

The government of Pakistan introduced the Punjab Mazdoor card for workers because they did not pay for their medical treatments. This card is available to 1.1 million low-income workers and also 6.8 million for those who registered themselves in the Punjab Social Security Department. Punjab mazdoor cards are used both ways as credit cards or as identification cards. This card can be accepted the hospitals and dispensaries under the Social Security Institute and also in private hospitals.

Here are several benefits of the Punjab Mazdoor card

1. Through this card, the children of the workers can easily get scholarships for their studies. It will cover all the education costs.
2. Death grants are provided by the government of Pakistan to the families that hold the Punjab Mazdoor card.
3. Marriage assistance is provided under this initiative to those who cannot afford the expenses.
4. Through these cards, workers can easily get discounts from 150 companies and also get discounts on railways, stores, and private institutions.
5. You can get the cash benefits from this card and also get the medical treatment free of cost under this program.

Punjab Mazdoor Card Online Apply & Registration

Here are the details that you follow the steps and can easily apply for this program

• You just go to the official website https://pitb.gov.pk/kissan_card and fill out the form
• If you want to apply online then go to the PEESI application.
• First of all, you need to add your name in the form
• After adding this right your father’s name
• Add your date of birth there
• Add your contact number, CNIC, and also the address.
• Add the category of the worker
• Add the type of your work
• Name of the employer
• Address of the employer
• The contact number of the employer
• CNIC of the employer
• Wages
• Mode of payment

Kisan Package by Government & Eligibility

The Kisan Package was announced by the government of Pakistan in 2022. This program was launched for the farmers who are affected by the floods. Based on that government issued the 1.8 trillion packages for the affected farmers. This initiative aims to help the farmers recover themselves financially and economically. The Kisan package introduced by the government of Pakistan is given as

1. Farmers will get free seeds for their lands.
2. Farmers can easily get loans from the government with very low interest rates.
3. If farmers have tubewell for their land then the government announces for them relief on electricity and also on fertilizers.
4. Farmers will get the 0% mark-up subsidy on the loans for up to 6 months.
5. The small farmers who are affected by the floods will get much more relief on loans and also on seeds and fertilizers. This package aims to promote the agriculture sector in Pakistan.

Here are the eligible criteria for the Kisan card introduced by the government of Pakistan. Farmers need to meet these criteria to get a Kisan card.

1. Farmers are aged between 22 to 60 years old.
2. For a person who is applying for a card in a particular area then it is mandatory that the individual lived in that area for at least two years.
3. For a person who is applying for a Kisan card in a particular area then that person must be doing business at the same location for at least 1 year.
4. The most important is that individuals have valid CNIC.

Also Read: Ehsaas Tahafuz Program

Conclusion

Kisan card is introduced for the farmers that are affected by the floods and also for the small farmers. Due to the flood farmers lost their crops and were financially weak at that time. That’s why the government of Pakistan introduced this card for the farmers to help them financially and economically. The government set eligibility criteria and also gave the benefits summary for the farmers if they are eligible then get benefits like free seeds, loans, reliefs on electricity bills, discounts on fertilizers and pesticides, etc.