Punjab Kisan Card Holders Must Repay Loan by October 31, 2025

The Punjab Agriculture Department has officially issued the final repayment notice for all farmers benefiting from the Punjab Kisan Card Holders Must Repay Loan. Under this notice, Punjab Kisan Card holders must repay their used loan amount by October 31, 2025, to remain eligible for future agricultural subsidies and interest-free loans.

This initiative, led by Chief Minister Maryam Nawaz Sharif, ensures financial transparency, fairness, and accountability in Punjab’s agri-loan structure. Farmers failing to comply will face card blocking and removal from future subsidy schemes.

💳 What Is the Kisan Nawaz Card Program?

The Kisan Nawaz Card is a landmark project launched by the Government of Punjab in collaboration with the Bank of Punjab (BOP) and the Punjab Information Technology Board (PITB).
It aims to provide interest-free agricultural loans and a cashless purchasing system for farmers.

🔹 Key Features:

Up to Rs. 150,000 per season as an interest-free agricultural loan.
Digital payments for fertilizers, seeds, and pesticides at registered dealers.
Linked directly to the Punjab Agriculture Department’s subsidy schemes.
Transparent loan tracking through the BOP digital platform.

Since its launch, thousands of small farmers have benefited from the card, enabling them to increase crop yield and adopt modern agricultural practices.

⏰ October 31 – The Final Deadline Announced

The Punjab Government has clearly announced October 31, 2025, as the final date for Punjab Kisan Card Holders Loan Repayment.

Farmers who have utilized the Kisan Card loan during the Rabi or Kharif season are required to repay the full amount before this deadline.

Those who fail to do so will have their cards automatically blocked by the Bank of Punjab system and will no longer be able to access new loans or benefits under the government’s subsidy programs.

⚠️ Consequences of Missing the Repayment Deadline

The Agriculture Department has confirmed that strict measures will be enforced against defaulters to maintain financial discipline.

❌ If a farmer does not repay by October 31:

The Kisan Card will be blocked within 24 hours after the deadline.
Farmers will be disqualified from all upcoming schemes such as:
- Punjab Green Tractor Scheme 2025
- High-Tech Farm Mechanization Program
- Livestock Subsidy & Solar Tube Well Program
Persistent defaulters may face penalties and delayed reactivation.
Repeat non-compliance could lead to permanent ineligibility for future interest-free loans.

The aim is not punishment — but to promote accountability and make sure that government funds reach only those farmers who follow the rules responsibly.

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💰 Why Loan Repayment Is Important for Farmers

Repaying the Kisan Card loan on time has multiple advantages:

✅ Maintains a clean record with the Bank of Punjab.
✅ Keeps the farmer eligible for future subsidy programs.
✅ Builds financial credibility for higher loan limits in the next crop season.
✅ Enables faster approval for tractor, solar, or livestock schemes.
✅ Reflects the farmer’s integrity, helping the government support genuine cultivators.

In essence, timely repayment is a win-win situation for both the government and the farming community.

🏦 How to Repay the Kisan Card Loan Before October 31

The Punjab Government has made repayment simple and fully digital. Farmers can choose any of the following options:

1️⃣ At Any Bank of Punjab (BOP) Branch

Visit your nearest BOP branch.
Provide your CNIC and Kisan Card details.
Repay the outstanding loan amount.
Collect a printed receipt or confirmation slip.

2️⃣ Via BOP Mobile App

Open the BOP Digital Mobile Banking App.
Go to “Loan Repayment” → “Kisan Card.”
Enter your card number and the repayment amount.
Complete payment securely and receive an instant confirmation.

3️⃣ Through E-Pay Punjab Portal

Visit epay.punjab.gov.pk.
Choose Agriculture → Kisan Card Repayment.
Pay using Debit Card, Easypaisa, or JazzCash.
A digital receipt will be generated for your records.

4️⃣ Through BOP Customer Helpline (if card issues arise)

Call 111-267-200 or visit the nearest Agri-Service Center for support.

🧾 Step-by-Step Example for Repayment

Suppose a farmer received Rs. 120,000 under the Kisan Card in May 2025 for fertilizer and seeds.

By October 31, he must repay the entire amount either in cash or digitally. If not paid, the card will be automatically blocked on November 1. Once the amount is cleared, the system will reactivate the card within 48 hours.

🏛️ Punjab Agriculture Department’s Statement

According to the Director General Agriculture (Field), Punjab,

“Farmers are the backbone of Punjab’s economy. The Kisan Nawaz Card ensures fair and transparent agricultural financing. Those who return their dues on time will continue to receive priority benefits, but defaulters risk losing all privileges.”

This official statement confirms that repayment compliance will determine eligibility for the upcoming agri-financing programs in 2026.

🌿 Benefits of Complying With the Final Notice

If farmers clear their dues before October 31, they’ll immediately qualify for:

🌾 New crop season loans under the Kisan Card system.
🚜 Participation in the Green Tractor Scheme Phase-2.
💧 Access to solar tube well financing.
🐄 Livestock card subsidies for dairy farmers.
🧑‍🌾 Priority inclusion in mechanization and irrigation projects.

Moreover, repayment records will automatically improve the farmer’s credit score, helping them receive larger loan amounts in future cycles.

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📊 How Punjab Govt Ensures Transparency

The Punjab Agriculture Department and BOP have digitized the entire repayment tracking process. Using PITB’s online dashboards, officials can monitor:

Total loans issued vs. repaid.
District-wise repayment performance.
Card blockage and reactivation data.
Farmer-wise compliance reports.

This data helps the government maintain fairness, avoid corruption, and ensure that only genuine farmers benefit from public subsidies.

📈 Punjab’s Digital Agriculture Vision 2030

Under Chief Minister Maryam Nawaz’s Smart Agri Punjab initiative, the province is transforming agriculture through:

Digital farmer registration and verification.
Transparent subsidy disbursement via e-wallets.
Data-driven loan recovery systems.
Climate-smart technologies and precision farming tools.

The Punjab Kisan Card is a key pillar of this digital transformation — encouraging farmers to move from paper-based systems to modern, tech-enabled agriculture.

🌱 Future Agricultural Opportunities for Compliant Farmers

Farmers who repay on time will get early access to:

Punjab Farm Mechanization Grants 2026 – for modern machinery purchase.
Olive Farming Subsidy Program – for orchard development.
Agri-Solar Pumping Units – with up to 60% government subsidy.
Kisan Insurance Scheme – providing weather-based compensation.
Punjab Agri Innovation Loans – for adopting new technologies.

Timely repayment ensures that farmers remain on the priority beneficiary list for these future incentives.

🧭 Key Advice for Kisan Card Holders

Repay dues before October 31, 2025.
Keep all digital receipts and SMS confirmations.
Update your mobile number with BOP for loan alerts.
Avoid waiting for the last date — process payments early.
Stay connected with acag.org.pk and agripunjab.gov.pk for latest scheme updates.

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📞 Official Helpline & Support Channels

For assistance regarding repayment, eligibility, or card issues:

📱 Punjab Agriculture Helpline: 0800-17000
🏦 Bank of Punjab (BOP) Support: 111-267-200
🌐 Official Portal: agripunjab.gov.pk
💬 E-Pay Punjab: epay.punjab.gov.pk

Timing: 8:00 AM – 8:00 PM (Monday to Saturday)

💡 Conclusion – Punjab Kisan Card Holders Must Repay Loan by October 31, 2025

The Punjab Kisan Card Holders Loan Repayment notice is not just an administrative formality — it’s an essential step toward strengthening the state’s digital agriculture ecosystem.

Farmers are urged to take this final deadline seriously and complete repayments before October 31, 2025. Doing so will secure their access to future subsidy schemes, interest-free loans, and advanced agri-machinery programs.

Punjab’s agricultural future depends on responsibility, discipline, and transparency, and this program ensures that every farmer plays their part.

Repay now, grow more tomorrow — Punjab’s progress begins with responsible farmers.

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❓ FAQs – Punjab Kisan Card Holders Loan Repayment:

1. What is the final repayment date for Kisan Card loans?

October 31, 2025, is the last date announced by the Punjab Government.

2. What will happen if I miss the deadline?

Your Kisan Card will be blocked, and you’ll lose access to government subsidy schemes.

3. Can I repay through mobile banking?

Yes, use the BOP Mobile App or E-Pay Punjab Portal to make your payment.

4. How long does it take to reactivate the card after repayment?

Your card will be reactivated automatically within 48 hours after payment.

5. Who can I contact for assistance?

Call the Agriculture Department Helpline 0800-17000 or visit the nearest BOP branch.