CM Punjab Kissan Card 5th Installment 2026
The Punjab Kissan Card 5th Installment is a major step by the Punjab government to support small and medium farmers during the 2026 cropping season. The Punjab Agriculture Department and the Punjab Information Technology Board jointly manage this initiative, creating a fully digital and transparent system. By connecting NADRA, PLRA, PMD, e-ECIB, and the Bank of Punjab, the program ensures that financial support reaches only eligible farmers without delays or middlemen.
The fifth installment is especially important because it aligns with the active sowing season. It helps farmers purchase essential agricultural inputs such as fertilizer and certified seeds at the right time. With rising input costs, this interest-free credit facility reduces financial pressure and supports stable agricultural production across Punjab.
What Is the CM Punjab Kissan Card 5th Installment?
The CM Punjab Kissan Card 5th Installment is part of a seasonal, interest-free loan system designed for registered farmers. Under this installment, farmers can access funds through a special card that works like a debit card but is restrict to agricultural purchases.
Each installment has a six-month validity, matching the Rabi or Kharif season. This structure helps farmers manage cash flow without falling into informal or high-interest borrowing.
Key features of the installment include
- Interest-free loan for agricultural inputs
- Seasonal validity linked to crop cycles
- No cash withdrawal, only POS-based purchases
Digital System and Transparency Mechanism
A strong digital backbone supports the CM Punjab Kissan Card 5th Installment. Farmer data is verified through multiple government databases, which minimizes errors and fraud. Once registration is complete, all transactions are track digitally, and farmers receive SMS alerts for every purchase.
This digital ecosystem also removes the role of intermediaries. Farmers deal directly with authorized dealers and the Bank of Punjab, ensuring clarity in loan usage. The system improves trust and allows the government to monitor agricultural spending effectively.
Loan Amount and Financial Limits
The loan amount under the CM Punjab Kissan Card is calculate per acre, with a clear upper limit. This structure ensures fair distribution and prevents misuse of funds.
Table: Loan Structure Under CM Punjab Kissan Card
| Land Holding | Loan per Acre | Maximum Loan per Season |
|---|---|---|
| 1–5 acres | Rs. 30,000 | Rs. 150,000 |
| Above 5 acres | Rs. 30,000 | Subject to scheme limits |
The government allocates around Rs. 9.5 billion per season to support nearly 500,000 farmers. The amount can only be used for approve agricultural inputs such as fertilizer, seeds, and related items.
Eligibility Criteria for CM Punjab Kissan Card 5th Installment
To ensure that only deserving farmers benefit, the government has defined clear eligibility conditions. These rules help maintain fairness and transparency across the program.
Table: Eligibility Requirements
| Criteria | Requirement |
|---|---|
| Land Ownership | 1 to 12.5 acres |
| CNIC Status | Valid and NADRA verified |
| SIM Ownership | Registered on applicant’s CNIC |
| Land Record | Available in PLRA database |
| Credit History | Available in the PLRA database |
Farmers who meet these requirements can receive the fifth installment without difficulty. Any mismatch in records may result in a delay or blocking of the installment.
How to Check CM Punjab Kissan Card 5th Installment Status
Checking the installment status is simple and accessible. Farmers can verify their status online using their CNIC number. The portal displays whether the installment is credited, under verification, or blocked. For farmers without internet access, alternative methods are available. These options ensure that rural users can still stay informed.
Available methods include
- Online check via PITB or Bank of Punjab portal
- SMS method by sending PKC CNIC to 8070
- Visit the nearest Bank of Punjab branch
Usage of CM Kissan Card and Payment Process
The CM Punjab Kissan Card is a closed-loop card, meaning cash withdrawal is not allowed. Farmers must use the card at authorized fertilizer and seed dealers. Each transaction is completed through a POS machine, and an SMS confirmation is sent immediately. This controlled usage ensures that funds are spent only on agricultural needs. It also helps the government evaluate how subsidies are utilized in the farming sector.
Overview of the 5th Installment
| Item | Details |
|---|---|
| Installment | CM Punjab Kissan Card 5th Installment |
| Season | 2025–2026 (Rabi/Kharif) |
| Loan Type | Interest-free, input-based |
| Loan per Acre | Rs. 30,000 |
| Max Loan | Rs. 150,000 per season |
| Land Eligibility | 1 to 12.5 acres |
| Card Validity | 6 months |
| Grace Period | 1 month after expiry |
| Usage | Fertilizer & seed only |
| Cash Withdrawal | Not allowed |
| Issuing Bank | Bank of Punjab |
| Verification | NADRA, PLRA, PMD, e-ECIB |
| Status Check | Online, SMS 8070, BOP |
| Total Farmers | Up to 500,000 |
| Govt Budget | Rs. 9.5 billion (approx.) |
Common Reasons for Delay or Blocking
Sometimes, farmers may face delays in receiving the 5th installment. These issues usually relate to record mismatches or repayment delays from previous seasons.
Common reasons include
- Non-repayment of the earlier installment
- Expired card validity
- SIM not registered on CNIC
- Pending land verification
Resolving these issues quickly helps restore access to the installment.
FAQs
What is the CM Punjab Kissan Card 5th Installment?
It is the latest seasonal, interest-free loan installment provided to registered farmers for purchasing agricultural inputs.
How much loan can a farmer get under this installment?
Farmers can receive Rs. 30,000 per acre, with a maximum limit of Rs. 150,000 per season.
How can I check my installment status?
You can check online through the PITB or BOP portal, or via SMS by sending PKC CNIC to 8070.
Can I withdraw cash using the Kissan Card?
No, the card can only be used at authorized dealers for buying fertilizers and seeds.
What should I do if my installment is blocked?
You should verify your records, repay any previous dues, and contact the Bank of Punjab or the Agriculture Department for assistance.