Maryam Nawaz Kisan Card Phase-ii
Maryam Nawaz Kisan Card Phase-ii Punjab Government has officially reopened the Maryam Nawaz Kisan Card Phase-II registration in November 2025 to support farmers with interest-free loans, agricultural subsidies, and digital farming facilities. This initiative is designed to reduce the financial burden on farmers and help them adopt modern farming techniques without worrying about heavy expenses. With this program, the government aims to strengthen Punjab’s agriculture economy by assisting small and medium-scale farmers who form the backbone of the province’s food production system.
Under Phase-II, farmers will benefit from streamlined registration, digital verification, and direct access to agricultural inputs such as fertilizers, certified seeds, diesel, and farming equipment. This step not only increases transparency in subsidy distribution but also ensures equal access to government resources. Many farmers in rural areas struggle with middlemen, loan sharks, and lack of access to authenticated products, and this initiative promises to solve those challenges with a digital, card-based system that connects farmers directly with approved suppliers.
The reopening of Phase-II reflects a strong commitment from the government to promote agricultural growth, improve crop output, and ensure food security in the region. With an expanded budget allocation, verified supplier network, and upgraded digital ecosystem, the scheme intends to uplift over six lakh farmers by offering them fair opportunities to modernize their agricultural setup and increase productivity sustainably.
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Key Updates in Kisan Card Phase-II
The Phase-II rollout brings multiple improvements to ensure smoother registration, transparency, and easy access to agricultural inputs. Unlike previous years, farmers no longer need to pay any processing fee, making registration absolutely free for everyone meeting the eligibility criteria. Additionally, a massive financing structure worth ₨100 billion in interest-free loans has been approved to directly benefit over 628,000 farmers, helping them secure funds for fertilizers, seed purchase, soil improvement, irrigation, and fuel.
To remove bottlenecks in material supply and prevent counterfeit products, over 4,200 government-verified suppliers have been added to the system, allowing farmers to purchase inputs through their Kisan Card without relying on local dealers or unofficial markets. Each farmer’s transaction is recorded digitally, ensuring accountability and transparency at every level. This also helps eliminate the traditional middlemen role that often leads to financial exploitation of farmers through high-interest loans and poor-quality supplies.
Moreover, farmers will now be able to use the Kisan Card to purchase certified seeds, fertilizers, and diesel directly from registered vendors, promoting trusted financial accessibility. All services are digitized, making it easier for farmers to view loan usage, repayment deadlines, and purchase history through a secure online system.
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What’s New
- Free registration, no processing fee
- ₨100 billion in interest-free loans for farmers
- 4,200+ registered agriculture suppliers across Punjab
- Card accepted for fertilizers, diesel, seeds, and farming inputs
- Direct digital monitoring and verified transaction system
Eligibility Criteria for Punjab Farmers
The eligibility criteria have been carefully structured to ensure that the scheme benefits genuine farmers. Applicants must be residents of Punjab and actively engaged in farming activities. They must possess verified land records, either owned or leased, to ensure that subsidies and loans reach the rightful category of beneficiaries. Registration with the Punjab Agriculture Department is mandatory for data accuracy and management.
Farmers applying for Phase-II must not have any default in previous government agricultural schemes. They must also hold a valid national identity card and a SIM card registered under the same CNIC for official verification and communication purposes. These security steps eliminate fraud and guarantee that only eligible farmers with real agricultural needs receive support.
Furthermore, the scheme is particularly beneficial for small-scale growers who cultivate staple crops such as wheat, cotton, rice, and seasonal vegetables. It gives them a chance to transform their farming practices and gain financial independence without high-interest private borrowing.
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Eligibility Requirements
- Resident of Punjab and active farmer
- Registered with Punjab Agriculture Department
- Verified land record (owned or leased)
- No loan default or financial violation
- Valid CNIC and registered mobile number
Documents Required for Registration
Farmers must provide specific documents during the registration process to verify their identity, land ownership, and farming activity. These documents ensure that government funds and subsidies are delivered only to real farmers and not misused through fraudulent applications. Preparing these documents in advance will help complete the registration smoothly.
A photocopy of the farmer’s CNIC, land ownership or lease record, and a registered mobile number are compulsory. Those who have a tube well or agricultural electric meter will be required to submit their latest electricity bill for location confirmation. A bank account must be active so that all loan disbursements and subsidy payments can be transferred directly without involving third-party agents.
Farmers may also need to submit a passport-size photograph for official records. By providing accurate information and clear documentation, farmers can ensure that their application is processed quickly without delays.
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Documents List
- CNIC copy
- Land record or lease proof
- Latest agriculture electricity bill (if applicable)
- Registered mobile SIM
- Passport-size photograph
- Bank account details
Major Benefits for Farmers in Phase-II
The main attraction of this program is the interest-free loan system that allows farmers to access funds without the burden of markup. These loans help farmers buy quality seeds, fertilizers, pesticides, and diesel without taking loans from private lenders. In addition, subsidies on tractors and solar tube wells open the door to modern mechanized farming and cost-efficient irrigation systems, which can significantly increase productivity and reduce long-term operating expenses.
Through this program, farmers can access verified agricultural products directly from registered suppliers. It helps them avoid counterfeit fertilizers and seeds that often damage crops and reduce yield. Soil testing services are also included, allowing farmers to understand soil health and apply the right fertilizer proportion based on laboratory-tested recommendations.
This initiative supports modern farming practices, eco-friendly energy solutions, improved irrigation systems, and scientific agricultural planning. With transparency and digital monitoring, the scheme ensures that loans and subsidies are fairly distributed and used for genuine farming development.
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| Program Feature | Details | Maximum Support |
|---|---|---|
| Interest-Free Loans | To buy seeds, fertilizers, diesel | Up to ₨150,000 |
| Tractor Subsidy | Support for machinery purchase | Up to ₨10 lakh |
| Solar Tube Well Subsidy | Low-cost irrigation support | 80% subsidy |
| Certified Inputs | Verified seeds, fertilizers, diesel | Through card |
| Soil Testing | Scientific crop planning | Free service |
Farmer Gains
- Zero-interest financing
- Access to quality agricultural inputs
- Better yields through scientific guidance
- Renewable irrigation technology
- Transparent and digital transactions
How to Apply for Kisan Card Phase-II
The Punjab Government has designed a very simple registration procedure to make it easy for farmers. Those who are familiar with online procedures can apply digitally by submitting their details through the official Agriculture Department portal. Once the application is submitted and verified, farmers receive approval and can start using the card after activation.
Farmers who prefer the manual method can visit the nearest Agriculture Department office, take their original documents, and go through biometric verification. The staff present in the office will assist in submitting the forms and completing identity checks. Once approved, farmers receive confirmation and can start using the card to access funds and agricultural inputs.
After registration, farmers will be linked to the verified supplier network, allowing them to buy fertilizers, seeds, and diesel at government-approved rates. This saves time and ensures transparency in every transaction.
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Online Registration
- Visit Punjab Agriculture Department portal
- Enter CNIC and farming details
- Upload required documents
- Wait for verification SMS
Offline Registration
- Visit nearest Agriculture Department office
- Submit documents & CNIC copy
- Complete biometric verification
- Receive registration approval
Usage and Supplier Network
The government has built a wide and reliable supplier network to ensure farmers have access to genuine agricultural inputs. With 4,200+ approved suppliers, farmers can make secure purchases without dealing with unauthorized dealers. This system ensures the availability of fertilizers, certified seeds, diesel, and agricultural services near every farming district.
Each supplier transaction is digitally recorded, preventing fraud and ensuring a transparent supply chain. Farmers simply present their Kisan Card, complete verification, and receive the product. This also guarantees price control and availability, saving farmers from overpriced inputs during peak seasons.
By simplifying access and monitoring all purchase activity, the Punjab Government ensures that every farmer receives their fair share of subsidies, resources, and financial help.
Card Can Be Used For
- Diesel purchase
- Certified seeds
- Fertilizers and pesticides
- Farm machinery & services
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Final Words
The Maryam Nawaz Kisan Card Phase-II is a historic step toward strengthening Punjab’s agriculture sector. With free registration, interest-free loans, digital transparency, and verified supplier access, this program gives farmers the financial power and modern tools needed to expand their farms and increase income. The initiative promises to improve cultivation results, reduce financial stress, and build long-term agricultural sustainability.
Farmers are strongly encouraged to complete registration as early as possible and take advantage of government facilities designed to improve crop yield and farming conditions. This scheme marks a new era of smart farming in Punjab where financial support, technology adoption, and fair distribution are guaranteed through a secure digital framework. By joining Phase-II, farmers will not only upgrade their agricultural practices but also secure a stronger and more prosperous future for their families and the entire farming community.
