Livestock farming is an important source of income for thousands of families in Punjab. But many small farmers face problems like high animal feed prices and lack of money for proper care. To solve these issues, the Government of Punjab has started a helpful scheme called the CM Punjab Livestock Card.
This scheme is specially made for small and medium farmers. It gives them an interest-free loan to buy animal feed and improve their animals’ health. The good news is that the process is very simple and easy.
In the article, we will explain what this scheme is, who can apply, and how to get the loan step by step.
Overview of the Scheme
The Government of Punjab has introduced the CM Punjab Livestock Card to help small and medium-level farmers. This scheme is designed to reduce financial pressure on farmers by giving interest-free loans for buying animal feed and improving livestock health.
حکومت پنجاب نے چھوٹے اور درمیانے درجے کے کسانوں کی مدد کے لیے سی ایم پنجاب لائیوسٹاک کارڈ متعارف کروایا ہے۔ یہ اسکیم کسانوں پر مالی دباؤ کم کرنے کے لیے جانوروں کی خوراک خریدنے اور ان کی صحت بہتر بنانے کے لیے بغیر سود کے قرض فراہم کرتی ہے۔
For this purpose, the government has allocated a huge amount of 4442.08 million rupees. With this support, farmers will be able to feed their animals better, take care of them properly, and increase their income.
Objectives of the Livestock Card Scheme
-
Support small and medium-scale farmers with credit to buy feed supplements.
چھوٹے اور درمیانے درجے کے کسانوں کو چارے کے سپلیمنٹس خریدنے کے لیے قرض فراہم کرنا۔ -
Reduce the financial burden through interest-free loans using the CM Livestock Card.
وزیراعلیٰ لائیو اسٹاک کارڈ کے ذریعے بلاسود قرض فراہم کر کے مالی بوجھ کو کم کرنا -
Promote financial inclusion for rural farmers in Punjab.
دیہی علاقوں کے کسانوں کے لیے مالی شمولیت کو فروغ دینا۔ -
Encourage better feeding and livestock management practices to increase productivity.
پیداوار بڑھانے کے لیے بہتر خوراک اور جانوروں کے انتظامی طریقوں کو فروغ دینا۔
Total Budget and Duration
| Component | Details |
|---|---|
| Total Budget Allocation | Rs. 4442.08 Million |
| Gestation Period | 24 Months |
Eligibility Criteria
-
You must live in Punjab province.
(امیدوار پنجاب کا رہائشی ہونا چاہیے) -
You should have a valid CNIC (Computerized National Identity Card).
(درست کمپیوٹرائزڈ شناختی کارڈ ہونا ضروری ہے) -
Your mobile SIM must be registered in your own name and active.
(سم امیدوار کے نام پر رجسٹرڈ اور فعال ہونی چاہیے) -
You must own at least 5 to 10 male calves (buffalo or cow).
(کم از کم 5 سے 10 نر بچھڑے (گائے یا بھینس) ہونے چاہئیں) -
If you have more than 10 calves, you can still apply, but the loan will only be given for up to 10 animals.
(10 سے زیادہ بچھڑے رکھنے والے بھی اپلائی کر سکتے ہیں لیکن قرض صرف 10 جانوروں تک دیا جائے گا) -
You must have a clean credit history verified through the E-CIB system.
(ای سی آئی بی کے ذریعے صاف مالی ریکارڈ کی تصدیق ضروری ہے) -
You must pass NADRA Verisys® and NACTA security checks.
(نادرا ویریسس اور نیکٹا کی سکیورٹی چیکس پاس کرنا لازمی ہے) -
Physical verification of your animals and yourself will be done by the Urban Unit team.
(اربان یونٹ آپ اور آپ کے جانوروں کی جسمانی تصدیق کرے گا) -
Selection will be done on a first come, first served basis.
(منتخب ہونے والوں کا انتخاب پہلے آئیں پہلے پائیں کی بنیاد پر کیا جائے گا)
Loan Details
| Loan Amount | Repayment Duration | Rate |
|---|---|---|
| Rs. 135,000 to Rs. 270,000 | 4 Months + 1 Month for Repayment | Rs. 27,000 Per Animal |
Loan Beneficiaries
Between 40,000 and 80,000 farmers will benefit from this scheme via livestock cards issued by the Bank of Punjab:
- Year 1: 10,000 – 20,000 farmers
- Year 2: 30,000 – 60,000 farmers
How to Apply for Livestock Card?
Follow these simple steps to apply:
- Open your SMS app.
اپنی ایس ایم ایس ایپ کھولیں۔ - Type this message: PLC CNIC_NUMBER (Replace CNIC_NUMBER with your actual CNIC).
یہ میسج لکھیں: PLC اپنا قومی شناختی کارڈ نمبر (CNIC) لکھیں۔ - Send the message to 8070.
یہ میسج 8070 پر بھیجیں۔
FAQs
Who is eligible for the CM Punjab Livestock Card?
Residents of Punjab who own 5–10 male calves and have a clean credit history are eligible.
What is the loan amount under this scheme?
The loan amount ranges from Rs. 135,000 to Rs. 270,000 based on the number of animals.
Is the loan interest-free?
Yes, it is completely interest-free and compliant with Islamic finance principles.
What is the SMS format to apply?
Type PLC CNIC and send to 8070.
Conclusion
The CM Punjab Livestock Card initiative is a golden opportunity for rural farmers to grow and strengthen their livestock businesses. With zero-interest loans and an easy application process, the government aims to empower agriculture-based communities across Punjab.
