Are you a low-income woman in Pakistan looking for a way out for yourself and your family? The Benazir Income Support Program (BISP) has helped millions of women, and now, with the BISP Kafalat Program 2025, the government is making it even more accessible. The BISP Kafalat Program is not just a financial support program for our most deserving families; it is a transformation from just receiving cash assistance to a step towards a respectful life of self-reliance. It is a direct investment into the social security of the neediest families in Pakistan.
Key Features of the BISP Kafalat Program
This program aims to provide holistic support for women and their families.
- Quarterly Financial Aid: An automatic quarterly recurring stipend of PKR 10,500 will provide a regular and predictable cash flow for families to meet their basic needs such as food, education and health needs.
- ATM Access: The cash transfers to beneficiaries are made through ATM-enabled cards that give beneficiaries access to their cash through the Bank of Punjab’s networks of branches and ATMs, with dignity, on-demand.
- Women’s Empowerment: The BISP Kafalat initiative is focused on women as beneficiaries. This can empower women financially and socially, providing them with functions of control and decision-making over consuming the household resources.
- Transparent and Automatic Process: The system is deliberately constructed to be completely transparent and automatic. Cash payments are transferred straight to beneficiaries without additional conditions, which means that the cashflow is automatic with no middlemen or delays.
Eligibility Criteria: Who Can Apply?
The BISP Kafalat Program is earmarked for the most deserving families. To participate, you must meet some basic criteria.
1. Financial Need: Your family, as defined by a Proxy Means Test (PMT) score of 45 or less, must be below the poverty line.
2. Citizenship: You must be a citizen of Pakistan and possess a valid National Identity Card.
3. No Employment with Government: No family member is employed by the government.
4. No Foreign Travel: The applicant is not a traveler.
Also Read: Asaan Karobar Finance Scheme
The application pathway is quick and simple and offers access to everyone.
- Go to the nearest BISP tehsil office: Visit your local BISP office to initiate the registration process.
- Completing the application: Complete the necessary forms and fill the information required, including family detail and National Identity Card number.
- Dynamic Survey: Once your application is submitted, a BISP representative will complete a survey to verify your family income and all other eligibility criteria.
- Verification and Approval: From the information provided, the information will be verified in the National Socio-Economic Registry (NSER) and other relevant databases.
- Issuing of Cards: Once your application is approved, you will be issued a BISP Kafalat ATM card by which you can receive your quarterly payments.
Final Words
The BISP Kafalat Programme isn’t merely a scheme; it is a commitment to a fair and equitable society. It is contributing to the sustainability of women and enhances the ability of their families to not only survive, but also thrive. For thousands of eligible families, it is a glimmer of hope—offering dignity and stability to move forward, create better lives for their families, and own their futures. Your time to receive the assistance that you deserve will not always be available. Don’t lose this opportunity!
