14 schemes explained · every fact cited and dated
Government schemes, explained in plain Urdu
Who qualifies, how to apply, which number to call, and how to spot a scam. We are not a government body, and we never ask for your CNIC or any fee.
Three things that keep you safe
- BISP messages come only from 8171A message from any other number, WhatsApp account or link is fake.
- Registration is freeThere is no fee to register with BISP or to receive a payment. Report any deduction on 0800-26477.
- There is no online PMT checkerAny website that claims to show your PMT score is fake.
Source: bisp.gov.pk (Press Release No. 20, 10 Mar 2026)Checked on: Source: PhoneWorld (Report on fake "8171 check online" sites, quoting a BISP official) (not official, so not linked)Checked on:
Is this SMS real?Paste it and we point out the warning signs. It never leaves your phone.BISP / KafaalatKafaalat, Taleemi Wazaif, Nashonuma and NSER registration.Loans for youth & businessPM youth loans, Asaan Karobar Card, Ehsaas Naujawan.Students: laptop schemesThe PM and CM Punjab laptop schemes.
Recently changed
All changesCM Punjab Laptop Scheme (Phase II)Official notice: Sahiwal Division laptop distribution ceremony on 15 October 2026.Benazir KafaalatPlan announced to raise the stipend to Rs 18,000 from January 2027 (not yet in force).CM Punjab Laptop Scheme (Phase II)Deadline to resubmit returned applications extended to 31 May 2026.CM Punjab Laptop Scheme (Phase II)Last date to apply announced as 20 April 2026.Benazir NashonumaNashonuma stipends increased by Rs 500.
Schemes by province
BISP (Kafaalat and more)
Benazir KafaalatFederal · Quarterly cash support for women from low-income households, as assessed by the BISP survey.OngoingBenazir Taleemi WazaifFederal · A quarterly stipend for school and college children of Kafaalat families, with an attendance condition.OngoingBenazir NashonumaFederal · Conditional cash and nutrition support for pregnant or breastfeeding women and children under two in Kafaalat families.OngoingBISP registration (NSER survey)Federal · The first step into BISP programmes: a free survey at the tehsil office.Ongoing
Loans for youth and business
PM Youth Business & Agriculture Loan SchemeFederal · Subsidised bank loans for young people’s businesses and farming.Status unclearUnverifiedCM Punjab Asaan Karobar CardPunjab · An interest-free digital business card of up to Rs 1 million for small entrepreneurs in Punjab.OngoingKP Ehsaas Naujawan ProgrammeKhyber Pakhtunkhwa · Interest-free business loans for young people aged 18–35 in Khyber Pakhtunkhwa.Ongoing