This is the master hub article that links to every detailed Punjab-government welfare and empowerment scheme we cover. Bookmark this page — we update it every week as new programmes are announced or deadlines change.
How To Use This Page
- Find the scheme you are interested in below.
- Click the link to read the in-depth coverage of eligibility, documents, and apply online.
- Verify the last-verified date on each individual page before applying.
Welfare Cards (Direct Cash / Service Cards)
| Scheme | Benefit | Eligibility Anchor | Detail Page |
|---|---|---|---|
| BISP 8171 Kafalat | Rs 13,500 quarterly | CNIC registered with 8171, PMT-below 32 | Open coverage of monthly/quarterly updates |
| Punjab Sehat Card | PKR 1.2 million/year free treatment | Punjab resident CNIC | PHIMC portal (hospital list on our site) |
| Punjab Kissan Card | Rs 3 lakh interest-free loan + subsidy | Land-owning farmer, Punjab domicile | Apply via SMS 8070 |
| Punjab Himmat Card | Rs 10,500 quarterly for women-headed households | Widow / divorced women, Punjab | Apply via Punjab Social Protection portal |
| Minority Card (mcard) | Rs 10,500 quarterly for minority families | Christian / Hindu / Sikh / Parsi | mcard.punjab.gov.pk |
| Nawaz Sharif Card | Loan + subsidy package for SMEs | Punjab SME registration | Detail coverage soon |
| Ration Card (Maryam Nawaz) | Rs 10,000 quarterly rashan package | Below-poverty-line CNIC holders | Application open Q1 FY 2026-27 |
Agriculture & Rural Empowerment
- Punjab Green Tractor Scheme (Phase 4) — 70% subsidy on green tractors for small farmers.
- Kissan Card 2026 — Rs 3 lakh zero-markup loan + fertiliser subsidy.
- Punjab Solar Tube-Well Scheme — For tube-well owners transitioning to solar.
Education & Skills
- Honhaar Scholarship 2026 — 50,000 scholarships covering tuition + stipend.
- CM Punjab Laptop Scheme (Phase 2) — Free laptops for university students.
- Punjab Skills Program — Free IT, design, web-development courses via PSDA.
- E-Bike Scheme — 20,000 e-bikes at Rs 3,000/month installment.
Housing & Entrepreneurship
- Apni Chhat Apna Ghar (Phase 2) — 100,000 affordable apartments.
- PM Apna Ghar (Federal) — Rs 1 crore housing loan at 5% markup.
- CM Asaan Karobar Card — Interest-free SME loan up to PKR 1 million via Bank of Punjab.
- BOP Asaan Karobar Finance — Rs 5 lakh to Rs 1 crore interest-free business loan.
Health & Wellbeing
- Punjab Sehat Card — Cashless hospital care up to PKR 1.2 million per family per year.
- Punjab Free Langar Khana — Free community meal programmes.
- Sahulat Bazar — Subsidised grocery at designated DC rate stores.
How To Spot A Scam (Important)
- ❌ Never pay cash to a “middleman” — official portals are free.
- ❌ WhatsApp / Telegram “agents” claiming to “fast-track” applications are fraudsters.
- ✅ Only trust punjab.gov.pk, citizensportal.punjab.gov.pk, phimc.punjab.gov.pk — we link exactly those URLs.
Apply Filters To This List
You can use the categories and tags below to filter our coverage even further:
- Category: Punjab Schemes — every card, loan, scholarship.
- Category: News / Pakistan — Federal-level programmes (PM Apna Ghar, BISP).
- Category: News / Utility — How-to guides (MTMIS, Sehat Card hospital check).
Frequently Asked Questions
Are these schemes free?
All Punjab-specific cards and most scholarships are free. Some entrepreneurship loans are 0% markup but require repayment over 3–5 years.
Can I apply to more than one scheme?
Yes. Combining cards (BISP + Sehat) is officially encouraged. Loan schemes (E-Bike, Asaan Karobar) typically require you to not have an existing government-guaranteed loan.
How often does this page update?
Weekly. Bookmark and revisit before making any application.
Cross-Links to SARTE Coverage
(This page internally links to all scheme-specific posts on sarte-intl.com. After publish, edit individual posts to add interlinks back to this Pillar page using anchor text such as “see: All Punjab Schemes 2026 master guide”.)
Sources: https://punjab.gov.pk, https://phimc.punjab.gov.pk, BISP, Federal Ministry of Finance Press Releases.
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