Punjab Government Launches Interest-Free Livestock Loan Up to Rs 540,000

The Punjab Government has officially launched an Interest-Free Livestock Loan Scheme for farmers, offering financial support of up to Rs 540,000 without any markup or collateral. This initiative is part of the government’s mission to uplift dairy farmers, cattle owners, and small livestock households who are struggling with rising feed and animal maintenance costs. Many farmers are forced to take loans from private lenders with high interest rates, which traps them in debt. To solve this long-standing issue, the government is now providing a fully subsidized loan facility through a Livestock Card.

This loan will not be provided in direct cash form. Instead, farmers will receive a Punjab Livestock Card, which will function like a debit card. Using this card, they will be able to purchase animal feed (wanda), silage, mineral mixture, and veterinary medicines from registered suppliers. To provide flexibility, the government has also allowed up to 25% cash withdrawal through the card for emergency usage.

The scheme is specifically designed for genuine livestock farmers who own at least five animals, such as cows or buffaloes. No property mortgage, no bank statement, and no guarantor is required. The loan will be issued purely based on CNIC verification and livestock department registration. This makes the scheme ideal for small-scale farmers who usually get rejected by commercial banks.

The government has made the application process extremely easy. Farmers can apply through SMS, online registration, or by visiting the nearest Livestock Department office. Once approved, the card will be issued and activated for purchasing feed and livestock supplies. The facility operates under a “First Come, First Serve” policy, so early applicants will get priority.

This program will not only help improve animal health and milk production, but also increase income stability for farming households. By reducing their dependency on expensive loans, farmers will be able to invest more in their livestock without financial stress.

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Overall, the Interest-Free Livestock Loan Scheme is one of the biggest relief programs launched for the agriculture sector, directly targeting rural welfare and food security in Punjab.

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Maryam Nawaz Farmer Loan Program Eligibility Criteria

To qualify for this scheme, the applicant must:

• Be registered in the Punjab Livestock Department’s 9211 system
• Own at least 5 cows, buffaloes, or calves
• Hold a valid CNIC with active expiry
• Have a mobile SIM registered in their own name
• Be a resident livestock farmer of Punjab
• Agree to use the loan strictly for livestock-related purposes.

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Interest-Free Livestock Loan Rs 540000 Application Process

To apply for the Punjab Livestock Loan Scheme:

1. SMS Registration:
   Type PLC (space) CNIC Number and send to 8070
2. Online Registration:
   Apply at https://pic.punjab.gov.pk
3. Physical Submission:
   Visit the nearest Livestock Department Office
4. Ensure 9211 System Registration before applying
5. Submit CNIC and animal ownership details if required
6. Verification through call or field visit
7. Livestock Card issuance and activation.

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Benefits of the Scheme:

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• Interest-Free Loan from Rs 135,000 to Rs 540,000
• No guarantor or collateral required
• 25% cash withdrawal allowed
• Card-based purchasing for transparency
• Loan usable only for livestock improvement
• Easy repayment in monthly instalments
• Government-backed scheme with helpline support.

❓Maryam Nawaz Farmer Loan Program FAQs:

CM Punjab Livestock Card Online Registration Conclusion:

The Punjab Government’s Interest-Free Livestock Loan Scheme is a major step towards financial empowerment of small farmers. For years, livestock owners have relied on informal lenders who exploit them with high interest rates. With this new card system, they can now access clean, interest-free credit without risk.

Unlike traditional loan models, this scheme ensures that funds are used only for livestock needs, which guarantees real development. By focusing on feed, silage, and medicines, the government is directly strengthening the livestock sector — which is a backbone of rural Punjab.

This program will help increase milk production, animal health, and farm income, ultimately contributing to economic growth. It will also reduce rural poverty and ensure that farmers no longer sell their animals during financial crises.

Since the scheme operates on First Come, First Serve, timely application is crucial. Farmers who delay registration may lose the opportunity.

In summary, if a farmer owns at least five cattle, this is the best chance to secure government-backed financial relief without paying interest. It is not just a loan — it is a path to independence, stability, and progress.

Farmers are strongly encouraged to apply immediately and make full use of this historic opportunity.