Imdad Portal

Chief Minister Punjab’s High-Tech Mechanized Agriculture

Interest-Free Loans of Up to PKR 30 Million for High-Tech Agricultural Machinery

Active Agriculture Department, Government of the Punjab Punjab Verified Guide

اہم معلومات (آسان اردو میں)

موجودہ صورت حالSTATUS
فعال — آن لائن درخواستیں کھلی ہیں
یہ سہولت/فوائد کیا ہے؟BENEFIT
  • زرعی مشینری خریدنے کے لیے 3 کروڑ روپے تک بلا سود قرضہ
  • حکومت سود خود ادا کرے گی، صرف اصل رقم واپس کرنی ہوگی
  • ٹریکٹر، ہارویسٹر اور دوسری زرعی مشینیں حاصل کرنے کی سہولت
  • قرض آسان اقساط میں واپس کرنے کا موقع
  • فصل کی کٹائی اور کام وقت پر کرنے میں مدد
اہلیت کا معیارELIGIBILITY
  • پنجاب کا رہائشی کسان
  • عمر 21 سے 65 سال ہو
  • کم از کم 5 ایکڑ زمین کا مالک ہو
  • درست شناختی کارڌ اور اپنے نام پر موبائل نمبر ہو
  • NTN موجود ہو (کاروباری افراد کے لیے)
  • پہلے سے بینک کا قرض باقی نہ ہو
ضروری دستاویزاتDOCUMENTS
  • شناختی کارڌ
  • رجسٹرڌ موبائل نمبر
  • زمین کا ریکارڌ
  • NTN (اگر ضروری ہو)
  • مشین خریدنے کا پلان
  • 20% اپنی رقم کا انتظام
درخواست کا طریقہHOW TO APPLY
  1. سرکاری پورٹل پر جائیں۔
  2. شناختی کارڌ اور موبائل سے رجسٹر کریں۔
  3. اپنی کیٹیگری منتخب کریں۔
  4. معلومات اور کاغذات جمع کریں۔
  5. بینک تصدیق کے بعد فیصلہ کرے گا۔
  6. منزور ہونے پر مشین کے لیے رقم جاری ہو جائے گی۔

Scheme Overview

اسکیم کا جائزہ

Why CM Punjab’s High-Tech Mechanized Agriculture Matters

Yeh scheme Punjab ke farmers, service providers aur entrepreneurs ko modern agricultural machinery adopt karne mein madad deti hai — jis ka interest cost khud Government of Punjab bear karti hai. Maqsad hai productivity barhana, labor dependency kam karna, aur harvesting/threshing mein delay ki wajah se hone wale nuqsaanaat ko khatam karna.

  • 0% interest financing for the borrower, up to PKR 30 million
  • 12 approved hi-tech machines mein se koi bhi khareedne ke liye
  • Farmers, registered service providers aur entrepreneurs sab eligible

Key Benefits

  • Loan amount seedha approved supplier ko transfer hota hai — transparent process
  • 20 equal quarterly installments mein asaan repayment
  • Private sector investment ko boost karta hai bank financing ke zariye

Good to Know

  • Total machine cost ka 20% equity upfront deposit karna zaroori hai.
  • Machine 5 saal tak ya full repayment hone tak sell ya transfer nahi ki ja sakti.
  • Sirf official portal cmhightech.punjab.gov.pk se apply karein, kisi agent ko paisay na dein.

Benefits

فوائد
The **Chief Minister Punjab’s High-Tech Mechanized Agriculture Program** offers **interest-free loans of up to PKR 30 million** for farmers, service providers, and entrepreneurs to purchase modern agricultural machinery. The **Government of Punjab bears the entire interest cost**, allowing beneficiaries to repay only the principal amount through **20 equal quarterly installments**. The scheme covers **12 approved machinery categories**, including combine harvesters, planters, rice transplanters, maize harvesters and dryers, silage harvesters, balers, orchard equipment, central pivot irrigation systems, and high-power tractors. By promoting the adoption of advanced farming technologies, the program helps reduce labor dependency, minimize losses caused by harvesting and threshing delays, improve agricultural productivity, and encourage private-sector investment through facilitated bank financing.

Eligibility Criteria

اہلیت کا معیار
Applicant Punjab province ka resident hona chahiye
Entrepreneur ke paas valid NTN number hona zaroori hai
Farmer applicant ke paas kam az kam 5 acres zameen ki ownership honi chahiye
Service provider ko Agriculture Department (Field Wing), Govt. of Punjab ke saath registered hona chahiye
Applicant ki age 21 se 65 saal ke darmiyan honi chahiye
Valid CNIC aur apne naam par registered mobile number hona zaroori hai
Satisfactory credit assessment aur clean credit history (no overdue loans)
Har individual/business sirf ek hi application submit kar sakta hai
Quarterly installments repay karne ki capacity honi chahiye (bank assess karega)
Total machine cost ka 20% equity contribution upfront deposit karne ki ability aur willingness honi chahiye
Ek eligible applicant pure project period mein sirf ek baar subsidy le sakta hai
Machine ko 5 saal tak ya 80% financed amount ki repayment tak sell/transfer nahi kar sakte
Machine ke use aur maintenance ki training/orientation session attend karne ki willingness
Agriculture Department aur bank officials ki periodic on-site monitoring/inspection ke liye razamandi

Required Documents

ضروری دستاویزات
Valid CNIC (apne naam par registered mobile number ke saath)
Valid NTN (entrepreneurs ke liye)
Land ownership record — Fard Malkiat / Inteqal (farmers ke liye)
Agriculture Department (Field Wing) registration (service providers ke liye)
Clean Kissan Card aur SBP e-CIB record
20% equity contribution ka proof/arrangement
Land-less service providers ke liye alternate collateral (property etc.)
Comprehensive insurance arrangement (theft, accident, fire, natural calamities)

How to Apply — Step by Step

درخواست کا طریقہ
1

Official portal cmhightech.punjab.gov.pk par jaayein

2

CNIC aur mobile number se register/login karein

3

Apni category select karein: Farmer, Service Provider, ya Entrepreneur

4

Personal, land/business aur machinery details ke saath application form fill karein

5

Required documents upload karein (CNIC, NTN, land record, ya Field Wing registration)

6

Bank due diligence ke baad loan approve ya reject karega

7

Approval ki surat mein, total machine cost ka 20% equity stipulated time mein deposit karein

8

Approved loan amount seedha selected supplier ko transfer hoga

9

Repayment 20 equal quarterly installments mein hoga — interest cost Govt. of Punjab bear karegi

10

Machine use/maintenance training session attend karein aur periodic monitoring ke liye available rahein

Important Notices اہم ہدایات

  • Initial application processing fee: PKR 5,000 (other bank charges bank policy ke mutabiq alag se lagu hongi)
  • Machinery financing bank ke paas hypothecated rahegi jab tak full repayment na ho
  • Beneficiary ki personal guarantee aur comprehensive insurance (theft, accident, fire, natural calamities) zaroori hai apne kharch par
  • Late installment payment par bank ki policy ke mutabiq late fee lagegi
  • Sirf ek application per individual/business allowed hai — aur sirf ek dafa subsidy life mein milegi
  • Apply sirf official portal cmhightech.punjab.gov.pk se karein, kisi agent ko paisay na dein

Frequently Asked Questions

اکثر پوچھے جانے والے سوالات
Yeh Punjab government ki scheme hai jo farmers, service providers aur entrepreneurs ko hi-tech agricultural machinery khareedne ke liye PKR 30 million tak ka interest-free loan deti hai — interest cost government khud bear karti hai.
Wheat Combine Harvester, Rice Combine Harvester, Multi-Crop Planter, Rice Transplanter, Maize Cob Harvester/Dryer, Silage Harvester, Baler, Orchard Pruner, Orchard Air Blast Sprayer, Central Pivot Irrigation System aur Hi-Power Tractor.
Applicant Punjab resident ho, age 21-65 saal, farmer ke paas min 5 acres zameen, entrepreneur ke paas valid NTN, aur service provider Agriculture Department (Field Wing) se registered ho. Clean credit history zaroori hai.
Applicant ko total machine cost ka 20% equity contribution upfront deposit karna hota hai, baqi 80% bank finance karta hai jis ka interest govt bear karti hai.
Loan amount 20 equal quarterly installments mein repay kiya jata hai. Machine 5 saal tak ya full repayment tak sell ya transfer nahi ki ja sakti.
Official portal cmhightech.punjab.gov.pk par CNIC se register karke apply karein. Processing fee PKR 5,000 hai.