Government Schemes & Aid Programs

Free in-patient treatment at empaneled hospitalsCovers surgeries, maternity and major illnessesBISP and Ehsaas families are automatically eligible

Last updated: Jun 19, 2026

Interest-free housing loan to build your own homeEasy long-term installments via Bank of PunjabFunds released in tranches as construction progresses

Last updated: Jun 19, 2026

Interest-free seasonal loan up to about PKR 150,000 (Rs 30,000 per acre)Digital card to buy seed and fertilizer at authorized dealersFree SMS alerts on transactions

Last updated: Jun 19, 2026

PKR 3,000 monthly support loaded onto a digital card for groceries and kitchen essentials Covers flour, sugar, rice, ghee, pulses, and other basics Cashless purchases at registered utility stores and grocery shops Open to non-tax-filers and families without significant property No long queues — CNIC verification at the point of sale

Last updated: Jul 8, 2026

Free latest-generation laptopMerit-based, transparent digital selectionFor public university, college and technical-institute students

Last updated: Jun 19, 2026

PKR 2,000 to 5,000 per child each quarterHigher stipend for girlsOne-time PKR 3,000 primary-completion bonus

Last updated: Jun 19, 2026

Quarterly cash stipend of around PKR 2,500 to 3,000Free specialized nutritious foodRegular health check-ups and counselling

Last updated: Jun 19, 2026

Tier 1 (up to PKR 500,000): 0% markup – interest-freeTier 2 (PKR 500,000 to 1.5M): 5% markup – personal guarantee onlyTier 3 (PKR 1.5M to 7.5M): 7% markup – standard bank collateralTier 1 repayment: up to 3 yearsTier 2 & 3 repayment: up to 8 years (including 1-year grace period)Available for business and agriculture projects25% quota reserved for women entrepreneursAccessible via 15+ partner banks nationwideFast online application and tracking

Last updated: Jun 19, 2026

Instant eligibility check via SMS (CNIC to 8171)Online status tracking at ehsaas.bisp.gov.pkGateway to BISP Kafalat quarterly cash paymentsAccess to Nashonuma nutrition benefitsBenazir Taleemi Wazaif for childrenSehat Sahulat health insurance enrollmentFree household survey by BISP field staffNo documentation required for initial SMS check

Last updated: Jun 19, 2026

PKR 13,500 per quarter (PKR 54,000 annually)Direct payment via HBL Konnect or BISP payment cardFree Sehat Sahulat health insuranceAccess to Benazir Nashonuma nutrition programBenazir Taleemi Wazaif for school-going childrenFree facilitation from BISP offices nationwideNo repayment required — 100% grant

Last updated: Jun 19, 2026

Full tuition fee coveragePKR 4,000 monthly stipendBook allowance

Last updated: Jun 19, 2026

3 to 5 acres of state farmland on a 10-year leaseToken lease of about Rs 100 per acre per yearSupport package: Green Tractor subsidy, training and market linkage

Last updated: Jun 19, 2026

Interest-free (0 percent markup) loan up to PKR 1,000,000Digital SME card for POS and mobile payments3-year financing with a nominal PKR 500 processing fee

Last updated: Jun 20, 2026

100 percent tuition fee coverageMerit-based selection across 50 plus universities and collegesSupports undergraduate and MBBS or BDS students

Last updated: Jun 19, 2026

Free or subsidised 3-Marla residential plotAllotment through transparent computerized ballotingSpecial quotas for women, overseas Pakistanis and differently-abled persons

Last updated: Jun 19, 2026

Complete solar system installed free of charge (panels + inverter + battery)0-100 units/month: 550W solar system101-200 units/month: 1100W solar systemZero or drastically reduced electricity billsClean renewable energy sourceBattery backup for load-shedding hoursNo monthly EMI or repayment required25-year solar panel lifespanMaintenance support from approved vendorsEnvironmentally friendly u2014 reduces carbon footprint

Last updated: Jun 20, 2026

Under this scheme, eligible students can select either an Electric Bike (E-Bike) or a Petrol Bike (P-Bike) — not both. The Bank of Punjab (BOP) provides financing of up to PKR 250,000 for E-Bikes and up to PKR 150,000 for Petrol Bikes. As required by the State Bank of Pakistan, the applicant must pay 30% equity upfront; the remaining amount is financed by BOP. The Government of Punjab contributes PKR 20,000 toward each eligible student's down payment and bears the entire loan mark-up (interest) — meaning installments carry no interest. Phase-1 of the scheme was initially launched for select districts, with an equal quota for male and female students at the divisional level and a proportional quota for the rest of Punjab. If applications exceed the available quota, a transparent computerized e-balloting process is conducted based on domicile district.

Last updated: Jul 7, 2026

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.

Last updated: Jun 20, 2026

Interest-free (0% markup) loan from PKR 1 million to PKR 30 millionFunding for new business setup, expansion, BMR (balancing, modernization & replacement), and working capitalAsaan Karobar Card option: up to PKR 1 million for daily business expenses via digital SME cardRepayment tenure of up to 5 yearsReady-to-use business plans and feasibility studies provided to guide applicants

Last updated: Jun 20, 2026