Kisan Khushal Punjab Khushal Kisan Card Phase 3

The Punjab government has officially launched Phase 3 of the Kisan Khushal Punjab–Khushal Kisan Card Program to support small and medium farmers across the province. This new phase aims to reduce the financial burden on farmers by providing interest-free loans, tractors, seeds, fertilizers, pesticides, and diesel through a digital Kisan Card system. With rising agricultural costs, this program helps farmers focus on increasing crop production with ease and confidence.

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Kisan Khushal Punjab Phase 3 What the Program Offers

The main purpose of this initiative is to improve the lives of farmers who struggle with limited financial resources. Through this program, farmers can access unsecured, interest-free loans without the risk of falling into debt traps.

This program ensures that modern agricultural inputs—such as good-quality seeds, fertilizers, and pesticides—are easily available. The Kisan Card reduces dependency on private dealers and middlemen, helping farmers buy inputs at fair prices. Overall, Phase 3 supports sustainable, modern, and productive farming across Punjab.

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Phase 3 Registration Complete Overview

The government has started registration for Phase 3, targeting thousands of eligible farmers. Punjab Chief Minister Maryam Nawaz has emphasized that the welfare of farmers is a top priority and that the government will continue supporting them in every situation.

Under this phase, the government plans to provide over 30,000 tractors and PKR 43 billion in interest-free financing. The registration process is transparent and simple, especially for farmers from remote villages.

To register, farmers must complete land verification, provide a valid CNIC, and apply online or through local agriculture offices.

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Key Features and Benefits of the Kisan Card

The Kisan Card provides direct financial support for crop production. It allows farmers to borrow without paying any markup. Through this card, farmers can buy fertilizers, seeds, pesticides, and diesel directly.

Below are some major benefits:

• Maximum interest-free loan: PKR 150,000 (up to 5 acres)

• Zero markup: All interest paid by the Punjab government

• Eligibility: 1 to 12.5 acres of land

• Card issuance fee: PKR 1,000 per acre

• Loan duration: 6 months + 1-month grace period

This facility ensures that farmers receive the inputs they need on time, without extra financial pressure.

Kisan Card Phase 3

Eligibility Criteria

To ensure the program supports the most deserving farmers, the government has set simple eligibility rules:

• Farmers must be registered landowners under PLRA

• Land size must be between 1 and 12.5 acres (loan up to 5 acres only)

• Valid CNIC and active mobile number (for verification)

• Must be at least 18 years old

• A credit check required according to bank rules

These criteria help farmers from rural areas access interest-free financing without complicated paperwork.

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Financing Details

The financing structure of the Kisan Card is designed to match the needs of small landholders:

• Minimum loan: PKR 30,000 (1 acre)

• Maximum loan: PKR 150,000 (5 acres)

• Loan period: Up to 6 months + 1-month grace

• 20% of the loan can be used for diesel

• Farmers can buy seeds, fertilizers, and pesticides directly

• Low or no processing fees

This system ensures fairness and helps every farmer invest according to the size of their land.

Additional Support for Farmers

Farmers registered under the Kisan Card also receive continuous guidance from the Punjab Agriculture Department. They can access support through the agricultural helpline (0800-17000) and receive assistance in buying seeds and fertilizers.

Some farmers may also get a 30% instant cash withdrawal facility, along with online access to their loan status. This additional support helps farmers make better decisions and improve crop output.

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Expected Impact on Agriculture

Phase 3 of the Kisan Khushal Punjab Program is expected to bring major improvements to the agriculture sector. It will provide financial stability to farmers, increase crop production, reduce rural poverty, and strengthen food security. With easy access to tractors and modern inputs, Punjab’s agriculture will become more advanced and productive.

Conclusion

The Kisan Khushal Punjab–Khushal Kisan Card Phase 3 is a golden opportunity for farmers to receive interest-free loans and essential farming inputs. It helps them focus on improving their crops and earning better profits.

Farmers who meet the eligibility criteria should register as soon as possible to take full advantage of government support.

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FAQs

1. How can I register for Phase 3 of the Kisan Card Program?

You can register online through the Punjab Agriculture Department portal or visit your nearest agriculture office for assistance.

2. What is the maximum interest-free loan I can get?

Eligible farmers can get up to PKR 150,000 for a landholding of up to 5 acres.

3. What can I purchase with the Kisan Card?

You can buy fertilizers, seeds, pesticides, and diesel. Some farmers may also get a limited cash withdrawal option.