CM Punjab Kissan Card: Interest-Free Loans for Seed, Fertiliser and Farm Inputs
The CM Punjab Kissan Card gives small farmers an interest-free credit line to buy seed, fertiliser and other inputs from authorised dealers. Under Phase I, farmers with 1 to 12.5 acres get up to Rs 30,000 per acre per crop season, up to Rs 150,000.
At a glance
| Who | Punjab farmers with land recorded in PLRA (Phase I: 1–12.5 acres) |
|---|---|
| Limit | Rs 30,000 per acre, max Rs 150,000 per season (5 acres) – Phase I |
| Markup | 0% for the farmer |
| Repayment | Within 6 months, plus a 1-month grace period; renewed for the next crop after repayment |
| Card fee | Rs 1,000 per acre |
| Bank | Bank of Punjab |
Apply for the Kissan Card
Use only official Punjab Government channels. Check that your land is in the PLRA record and your SIM is registered on your own CNIC.
🔒 Official link – opens the government / bank website. Rozgar for Youth never takes applications or fees.
Eligibility
- Landowner registered with the Punjab Land Records Authority (PLRA).
- Phase I: land holding from 1 to 12.5 acres (loan calculated on up to 5 acres).
- Valid CNIC and a mobile SIM registered in your own name (PMD-verified).
- No major credit problems or defaults.
What you can buy
The card can only be used for agricultural inputs such as certified seed, fertiliser and pesticides from authorised dealers. Phase I does not allow cash.
Phase II changes
Dawn reported that in Phase II the land limit was raised from 12.5 to 25 acres and the loan limit to Rs 300,000, with 30% usable as cash, 20% for diesel and 50% for seed, fertiliser and pesticides. Confirm the current phase rules on the official page before applying.
Common reasons for rejection
- Mobile number not registered on the farmer’s own CNIC
- Expired CNIC
- Land not found in the PLRA record
- Low credit score or an existing default
Frequently asked questions
Kissan Card se kitna qarza milta hai?
Phase I mein Rs 30,000 fi acre, zyada se zyada Rs 1,50,000 har fasal ke liye. Phase II mein had Rs 3 lakh tak barhai gayi (Dawn).
Is the Kissan Card interest-free?
Yes, the markup is fully paid by the Punjab Government. There is a card fee of Rs 1,000 per acre.
How long do I have to repay?
Six months, with a one-month grace period. Once you repay, the card is renewed for the next crop.
Can tenants (non-owners) apply?
Phase I is for landowners recorded in PLRA. Check the official page for any change.
Official sources
- Punjab Government – CM Kissan Card Scheme
- Bank of Punjab – CM Punjab Kissan Card
- Dawn – Kissan Card Phase II
Always confirm details with the official source before applying.
Updates
- 3 Nov 2026: Guide published and checked against official sources.