CM Punjab Kissan Card gives eligible Punjab farmers interest-free financing for seeds, fertiliser, pesticides, diesel and other approved farming inputs — registered by SMS rather than a web form, and issued through the Bank of Punjab. Farmers who also keep cattle or buffaloes can check our CM Punjab Livestock Card guide for a related, separate financing option.
CM Punjab Kissan Card — Quick Answer
Send PKC followed by your 13-digit CNIC to 8070 from a SIM registered in your own name. If your agricultural landholding, CNIC, and land records verify successfully, you’ll receive a Kissan Card through the Bank of Punjab, giving interest-free financing for approved farm inputs.
Last reviewed: September 2026
Kissan Card at a Glance
| Detail | Information |
|---|---|
| Scheme | CM Punjab Kissan Card |
| Province | Punjab |
| Main benefit | Interest-free agriculture loan |
| Registration | SMS to 8070 |
| SMS format | PKC [space] CNIC |
| Bank | Bank of Punjab |
| Land verification | PLRA |
| Identity verification | NADRA |
| Main use | Farm inputs |
| Helpline | 0800-17000 |
What Is Kissan Card?
Kissan Card is a Punjab government tool giving farmers easier access to agricultural financing for essential crop expenses — seeds, fertiliser, pesticides, and other inputs — reducing reliance on private lenders who often charge high interest. Behind the card is a digital verification system connecting the Punjab Land Records Authority (PLRA), NADRA, the Punjab Information Technology Board (PITB), and the Bank of Punjab, so eligibility checks run against land, identity, and banking records together rather than relying on paperwork alone.
Who Can Apply for Kissan Card?
- Agricultural land recorded in the Punjab land record system, in your name (in the base phase, landholdings of 1–12.5 acres)
- A valid CNIC
- A mobile SIM registered in your own name, used for registration
- Land record and CNIC details that match — a mismatch here is one of the most common causes of delay
- No major outstanding bank default
Before applying: double-check that your CNIC is valid, your SIM is registered in your own name, and your land record shows the correct CNIC and personal details. Incorrect information is the most common reason applications get delayed.
Kissan Card Loan Amount
In the base phase, Punjab’s official programme description confirms interest-free financing of Rs. 30,000 per acre, up to a maximum of Rs. 150,000 for a 5-acre holding, aimed initially at 500,000 farmers.
A note on more recent figures: later programme phases (widely referred to as Phase II and Phase III) are reported to have raised the per-acre rate to around Rs. 40,000, and some coverage describes the maximum ceiling doubling to Rs. 300,000. These higher figures are repeated consistently across farmer-facing content, but weren’t independently confirmed against an official government or major-news source during this research — so treat Rs. 150,000 as the confirmed baseline and Rs. 300,000 as a reported-but-unverified later-phase figure. Your actual limit depends on the applicable phase, your eligible landholding, and approval — confirm the current number through the Punjab Agriculture Department or your Bank of Punjab branch before relying on it.
What Can You Buy With Kissan Card?
The card is meant for farming expenses specifically, not general spending:
- Seeds
- Fertiliser
- Pesticides
- Other crop inputs
- Diesel at approved locations
- Other authorised farming products
Buy only from dealers registered with the Punjab Agriculture Department — this keeps your purchases within the approved system and reduces fraud risk.
How to Apply for Kissan Card
- Open the messaging app on your phone.
- Type PKC, a space, then your 13-digit CNIC number, with no spaces or dashes within the number itself.
- Send it to 8070.
- Your details are then verified against your CNIC, registered mobile number, agricultural land record, and banking information.
- If approved, collect your Kissan Card through the Bank of Punjab.
Use a SIM registered in your own name — registering from someone else’s number is one of the most common causes of rejection.
Kissan Card Status Check
Keep your registered SIM active after applying, since important updates are sent by SMS. Avoid random websites asking for your CNIC to “check your Kissan Card status” — use only official government or Bank of Punjab channels, or contact the Punjab Agriculture Department helpline directly.
Agriculture Helpline: 0800-17000
Common Registration Problems
- Using a SIM not registered on the applicant’s own CNIC
- Incorrect or outdated land records
- A mismatch between CNIC details and land records
- Delays during banking or identity verification
Correct your records before applying rather than after — most of these issues are easier to fix ahead of time than during the verification process.
Latest Kissan Card Update 2026
The scheme has continued expanding through 2026. As of July 2026, around 900,000 Kissan Cards had been issued across Punjab, with the government targeting one million cards by the end of August 2026, and the Punjab Agriculture Department publishing information on a Phase III rollout. Separately, officials reported in January 2026 that roughly Rs. 100 billion in Kissan Card financing had been disbursed overall, with about Rs. 65 billion already utilised by farmers for inputs — a strong signal of real, large-scale usage rather than a pilot-stage programme.
Because loan limits, eligible landholding ranges, and phase rules have changed more than once since launch, confirm the current terms through the Punjab Agriculture Department or Bank of Punjab before applying or relying on a specific figure.
Landless farmers may also want to check our Apna Khet Apna Rozgar Scheme guide, which focuses on land access and rural employment rather than input financing.
Frequently Asked Questions
What is CM Punjab Kissan Card 2026?
It is a Punjab Government scheme that provides eligible farmers with interest-free financing for farming expenses.
How can I apply for Kissan Card?
Send PKC [space] your 13-digit CNIC to 8070 from a SIM registered in your own name.
What is the Kissan Card loan amount in 2026?
The maximum financing limit has been increased in newer phases. The approved amount may depend on landholding, eligibility and the current scheme rules.
Who can apply for Kissan Card?
Eligible farmers in Punjab with a valid CNIC, registered mobile number and verified agricultural land record can apply.
Which bank issues the Kissan Card?
The Bank of Punjab is linked with the Kissan Card programme.
Can Kissan Card be used for fertiliser and seeds?
Yes. Farmers can use it for approved farming inputs such as seeds, fertiliser, pesticides and other authorised agricultural products.
Can Kissan Card be used for diesel?
Yes, diesel facilities are available at approved locations under the programme.
What is the Kissan Card helpline number?
Farmers can contact the Punjab Agriculture Department helpline at 0800-17000.
Final Guidance
Kissan Card offers genuine interest-free financing to reduce farmers’ dependence on high-interest private lenders. Registration is simple — a single SMS to 8070 — but accuracy matters: make sure your CNIC, SIM registration, and land records all match before applying, and confirm your specific loan limit through official channels rather than any single published figure, including this one.
Updated: September 2026 Reviewed against: the official Punjab government Kissan Card page and Business Recorder’s January 2026 reporting on programme disbursement figures
