Government schemes
Loans, scholarships, laptops, housing, health and Kissan cards, and cash support from the federal and provincial governments: who can apply, how, and whether it's open right now, from official websites.
35 schemes
- Benazir Hunarmand skills programmeApplications openبینظیر ہنرمند پروگرامBenazir Hunarmand is BISP's skills-training programme for BISP beneficiary families, so that a family member can learn employable skills. One person per family aged 18–40 with at least Matric can register online on the Hunarmand portal or at a BISP Tehsil Office; in the first phase it covers only Lahore, Karachi, Peshawar, Quetta, Islamabad, Rawalpindi, Gilgit and Muzaffarabad.Hunarmand portal: registration available for the first phase in Lahore, Karachi, Peshawar, Quetta, Islamabad, Rawalpindi, Gilgit and Muzaffarabad; no closing date stated.FederalGovernment jobs
- PM Youth Business & Agriculture LoanApplications openوزیراعظم یوتھ بزنس اینڈ ایگریکلچر لون اسکیمThe Prime Minister's Youth Business & Agriculture Loan Scheme (PMYB&ALS) gives business and agriculture loans to young Pakistanis on simple terms through 15 commercial, Islamic and SME banks. Resident Pakistanis aged 21–45 (18–45 for IT/e-commerce businesses) apply online only, choosing one of three tiers: up to Rs 0.5 million at 0% markup, up to Rs 1.5 million at 5%, or up to Rs 7.5 million at 7%.PMYP portal: online loan application form live (three tiers up to Rs 7.5 million); no closing date stated.FederalBusiness & companies
- Apni Chhat Apna Ghar: interest-free loan to build or extend your houseApplications openاپنی چھت اپنا گھر: گھر کی تعمیر یا توسیع کے لیے بلا سود قرضApni Chhat Apna Ghar is a Chief Minister Punjab programme that gives interest-free loans to low-income families who own a small plot (up to 5 marla urban or 10 marla rural) to build a house. Under the 'Apni Chhat Mehfooz Chhat' category, owners of an existing small house can borrow to repair a weak roof, add a room or add a storey. You apply online on acag.punjab.gov.pk.Citizen Registration Form live on acag.punjab.gov.pk for new house and addition/expansion loans; no closing date shownPunjabLand & property
- CM Punjab Asaan Karobar Finance: interest-free business loans of PKR 1–30 millionApplications openوزیراعلیٰ پنجاب آسان کاروبار فنانس: 10 لاکھ سے 3 کروڑ روپے تک بلا سود کاروباری قرضCM Punjab Asaan Karobar Finance gives small and medium enterprises in Punjab interest-free (0% end-user rate) loans from PKR 1 million to PKR 30 million for up to 5 years, for new businesses, expansion, working capital, commercial vehicle leasing and climate-friendly technology. An export/SME tier goes up to PKR 50 million. You apply online at akf.punjab.gov.pk and pay a non-refundable processing fee.Online applications open on akf.punjab.gov.pk (Finance and Exports); no closing date shownPunjabBusiness & companies
- CM Punjab E-Bikes Scheme for Students (Phase 2)Applications openوزیراعلیٰ پنجاب طلبہ کے لیے ای بائیکس اسکیم (فیز 2)Under Phase 2 of the CM Punjab E-Bikes Scheme, students aged 16 or over at public or private institutions in Punjab can get an electric scooty on 0% interest with no down payment, paid over 3 years. The Government of Punjab gives a PKR 90,000 capital subsidy and pays interest, insurance, registration and token tax. Apply online at bikes.punjab.gov.pk by October 4, 2026.Phase 2 applications open; last date to apply October 4, 2026PunjabVehicles & driving
- CM Punjab Green Tractor Program: Rs. 1 million subsidy on a tractorApplications openوزیراعلیٰ پنجاب گرین ٹریکٹر پروگرام: ٹریکٹر پر 10 لاکھ روپے سبسڈیUnder the Chief Minister's Punjab Green Tractor Program, farmers selected through digital balloting get a subsidy of PKR 10,00,000 (10 lakh) on a new tractor. Phase-V applications are taken online at gts.punjab.gov.pk for 75 to 125 horsepower tractors, and farmers need at least 7 acres of verified land.Phase-V application form live on gts.punjab.gov.pk; no closing date shownPunjabSocial protection
- Register for the Benazir Hari Card (Sindh farmers)Applications openبینظیر ہاری کارڈ کے لیے رجسٹریشن (سندھ کے کسان)The Benazir Hari Card is a Sindh Agriculture Department programme for small farmers. It gives access to subsidies on seeds and fertilizers and interest-free loans, with bank accounts, ATM cards and biometric verification. Farmers register themselves on the online portal; help is available through the call centre, the mobile app or the District Officer.Online registration is live for eligible farmers (no closing date published).SindhSocial protection
- Collect your Benazir Kafaalat paymentOngoingبینظیر کفالت کی رقم وصول کریںBenazir Kafaalat is BISP's unconditional quarterly cash transfer for eligible women of poor households; BISP's page states the stipend as Rs. 8,500 per beneficiary per quarter. Once you get an SMS from 8171, collect the money in person with your original CNIC and fingerprint (biometric) verification at an HBL or Bank Alfalah point of sale or retailer, and later instalments also from an ATM.BISP Kafaalat page: "BISP is currently providing cash assistance to around 9 million families"; stipend stated as Rs. 8,500 per beneficiary per quarter.FederalSocial protection
- Benazir Nashonuma (mother and child nutrition)Ongoingبینظیر نشوونما پروگرامBenazir Nashonuma is BISP's nutrition programme for pregnant and breastfeeding women and children under two in Kafaalat families. Enrolled mothers get specialised nutritious food and a quarterly cash stipend (Rs. 3,500 for a pregnant woman or boy child, Rs. 4,000 for a girl child) linked to health check-ups and immunisation at Nashonuma Facilitation Centres.BISP Nashonuma page: operational in 158 districts through 558 Facilitation Centres; Kafaalat beneficiaries who are pregnant/breastfeeding or have children under 2 can enrol.FederalSocial protection
- Benazir Taleemi Wazaif (school stipends)Ongoingبینظیر تعلیمی وظائفBenazir Taleemi Wazaif is BISP's quarterly education stipend for children of active Benazir Kafaalat beneficiaries, from primary up to higher secondary level. The mother enrols each child at a BISP enrolment camp or Tehsil Office, and payments continue as long as the child keeps at least 70% attendance.BISP page: expanded to all districts of Pakistan in July 2020; children of active Kafaalat beneficiaries can enrol at BISP enrolment camps/Tehsil offices.FederalEducation & exams
- Bait-ul-Mal help for persons with disabilitiesOngoingمعذور افراد کے لیے بیت المال کی امدادPakistan Bait-ul-Mal's Special Friends programme gives yearly cash help to families with a person with disability, plus wheelchairs, hearing aids, white canes and artificial limbs. You apply on the PBM form with your CNIC and a disability certificate (or a NADRA CNIC with the disability logo).PBM projects page: Special Friends financial assistance and assistive devices for persons with disabilities; no application window stated.FederalSocial protection
- Pakistan Bait-ul-Mal education stipendOngoingپاکستان بیت المال تعلیمی وظیفہPakistan Bait-ul-Mal's Individual Financial Assistance (Education) helps poor and deserving students studying on regular/merit seats in public-sector educational and technical institutions. PBM pays the university fee (including boarding charges) directly to the institution; students apply through their institution's committee or head.PBM projects page: education stipends for deserving students in public-sector institutions; no application window stated.FederalEducation & exams
- Pakistan Bait-ul-Mal medical treatment assistanceOngoingپاکستان بیت المال سے علاج معالجے کے لیے امدادPakistan Bait-ul-Mal's Individual Financial Assistance (Medical) helps poor patients, widows, orphans and disabled people pay for treatment of major illnesses such as cancer, heart disease, hepatitis, TB, organ surgery and kidney dialysis at government hospitals. PBM states support of up to Rs. 1 million, paid to the hospital on the recommendation of the hospital committee or Medical Superintendent.PBM projects page: medical assistance for deserving patients on a first-come, first-served basis; no application window stated.FederalHealth
- Pakistan Sweet Home (orphan care)Ongoingپاکستان سویٹ ہوم (یتیم بچوں کی کفالت)Pakistan Bait-ul-Mal's Pakistan Sweet Homes give orphan children (who have lost their father) from the poorest families free furnished accommodation, food, education in good city schools, clothing and medical care until they finish their education or skills training. Children aged 4 to 6 are admitted on an application by the guardian to the PBM District Officer.PBM projects page: Pakistan Sweet Homes admit orphans aged 4–6 through the PBM District Officer; no application window stated.FederalSocial protection
- Ehsaas Naujawan Programme: interest-free business loans (KP)Ongoingاحساس نوجوان پروگرام: بلا سود کاروباری قرضے (خیبرپختونخوا)The Ehsaas Naujawan Programme of the Khyber Pakhtunkhwa government gives interest-free loans to young people aged 18–35 to start or grow a business. Small loans up to Rs. 5 lakh come from Akhuwat Islamic Microfinance (apply at a branch); larger loans of Rs. 10 lakh to Rs. 50 lakh come from the Bank of Khyber (apply online). Funds are allocated to every district in proportion to population.Programme page and application routes are live; latest beneficiary lists are as on 30-04-2026. No closing date published.Khyber PakhtunkhwaBusiness & companies
- Ehsaas Umeed Card for persons with disabilities (KP Zakat)Ongoingاحساس اُمید کارڈ برائے خصوصی افراد (زکوٰۃ، خیبرپختونخوا)The Ehsaas Umeed Programme is a Khyber Pakhtunkhwa Zakat Department programme for persons with disabilities (PWDs). The registration form is filled through the Local Zakat Committee, signed by the Local Zakat Chairman and the District Zakat Officer. A guardian can apply and receive payment for a minor or a person who needs help.2025-26 form and online search are listed; no 2026-27 form or deadline published.Khyber PakhtunkhwaSocial protection
- Roshan Mustaqbil Card for orphans (KP Zakat)Ongoingروشن مستقبل کارڈ برائے یتیم بچے (زکوٰۃ، خیبرپختونخوا)The Roshan Mustaqbil Card is a Khyber Pakhtunkhwa Zakat programme for orphan children whose father has died. The child's mother (or guardian) registers the child through the Local Zakat Committee with the free form; the Local Zakat Chairman decides eligibility and the District Zakat Committee verifies documents. Registered orphans can be searched on the Zakat beneficiary portal.2025-26 registration form and online search are listed; no 2026-27 form or deadline published.Khyber PakhtunkhwaSocial protection
- Sahara Card for widows (KP Zakat)Ongoingسہارا کارڈ برائے بیوگان (زکوٰۃ، خیبرپختونخوا)The Sahara Card is a Khyber Pakhtunkhwa Zakat programme for deserving widows. Widows register through their Local Zakat Committee using the free registration form; the Local Zakat Chairman decides eligibility and the District Zakat Committee verifies documents. Registered widows can be searched by CNIC on the Zakat beneficiary search portal.2025-26 registration form and online search are listed; no 2026-27 form or deadline published.Khyber PakhtunkhwaSocial protection
- Zakat medical treatment grant for poor patients (KP)Ongoingغریب مریضوں کے لیے زکوٰۃ سے علاج کی گرانٹ (خیبرپختونخوا)Khyber Pakhtunkhwa's Zakat department pays for treatment of deserving (Mustahiq) patients in government hospitals. The general Health Care grant covers indoor and outdoor treatment per visit, and the Special Health Care Programme pays treatment costs for cancer, cardiac, hepatitis and kidney patients. You need an Istehqaq certificate from your Local Zakat Committee.Runs continuously through Local Zakat Committees and Zakat-aided hospitals.Khyber PakhtunkhwaHealth
- Zakat marriage assistance for unmarried women (KP)Ongoingغیر شادی شدہ خواتین کے لیے زکوٰۃ سے شادی امداد (خیبرپختونخوا)Khyber Pakhtunkhwa's Zakat department gives a marriage grant to poor unmarried women whose families cannot afford marriage expenses. The current rate is Rs. 30,000. The woman or her parent/guardian applies to the Local Zakat Committee, which forwards the case to the District Zakat Committee for release of funds.Runs continuously through Local Zakat Committees; current rate Rs. 30,000.Khyber PakhtunkhwaSocial protection
- Aaghosh Program: up to Rs. 38,000 for mothers' and babies' health check-upsOngoingآغوش پروگرام: ماں اور بچے کے طبی معائنوں پر 38,000 روپے تکThe Aaghosh Program gives pregnant and breastfeeding women and mothers of children under 2 conditional cash payments of up to Rs. 38,000 for antenatal visits, a safe delivery at a government facility, newborn check-up and vaccinations. It runs in 13 districts of Punjab. The Lady Health Visitor registers you at a BHU or RHC.Running in 13 target districts; registration by LHVs at BHUs/RHCs, no closing date statedPunjabSocial protection
- Punjab Health Insurance Program (Sehat Card): eligibility and hospital treatmentOngoingپنجاب ہیلتھ انشورنس پروگرام (صحت کارڈ): اہلیت اور ہسپتال میں علاجAll permanent residents of Punjab are eligible for the Health Insurance Program, and your CNIC is your card. It covers hospital admissions (not OPD) at empaneled private hospitals across Pakistan; treatment in government hospitals is already free. Cancer, ICU, CCU, NICU, medical cases, thalassemia and all emergency services are free at empaneled private hospitals, while other conditions are 50% covered.PHIMC: the program has not been stopped; treatment continues at empaneled private hospitals (discontinued only in government hospitals, where treatment is already free)PunjabHealth
- CM Himmat Card: Rs. 10,500 quarterly stipend for persons with disabilitiesOngoingوزیراعلیٰ ہمت کارڈ: معذور افراد کے لیے سہ ماہی 10,500 روپے وظیفہThe Himmat Card gives needy persons with disabilities (PWDs) in Punjab a quarterly stipend of Rs. 10,500 through an ATM card; other government services for PWDs will also be given through the card later. You need a disability certificate from Social Welfare Punjab, a PMT score of 45 or less, and your data updated on the DPMIS portal.Batch I and II completed, Batch III (20,000 cards) underway; selection from certified PWDs registered in DPMISPunjabSocial protection
- CM Punjab Kissan Card: interest-free crop loans for farmersOngoingوزیراعلیٰ پنجاب کسان کارڈ: کسانوں کے لیے بلا سود فصلی قرضThe Chief Minister's Kissan Card gives small farmers in Punjab an interest-free loan each crop season, mainly for seed, fertiliser, pesticide and diesel. You apply by SMS: send PKC, a space and your CNIC number to 8070. After land (PLRA) and NADRA checks, you collect the card from your Assistant Director (Extension) Agriculture office.Agriculture Department page invites farmers to apply by SMS (PKC <CNIC> to 8070); no closing date statedPunjabSocial protection
- Maryam Ki Dastak: government services online or at your doorstepOngoingمریم کی دستک: سرکاری خدمات آن لائن یا گھر کی دہلیز پرMaryam Ki Dastak is Punjab's one-window platform where you can apply for government services online yourself, or ask a trained, government-approved facilitator to come to your home, complete the application, collect payment and deliver the final document. Services include DLIMS driving licence services and services of Excise & Taxation, Board of Revenue, Local Government and Lahore Development Authority. Use the website, the Dastak Citizen App or call 1202.Platform live; services can be applied for online or by doorstep facilitatorPunjabCivic & elections
- Mamta Programme: cash support for pregnant women and new mothers (Sindh)Ongoingممتا پروگرام: حاملہ خواتین اور نئی ماؤں کے لیے نقد امداد (سندھ)The Mamta Programme (Mother & Child Support Programme, MCSP) of the Sindh Social Protection Authority gives conditional cash transfers to pregnant women and mothers of children under 2 in 15 districts of Sindh. Mothers register at PPHI Sindh health facilities and receive up to Rs. 30,000 in total when they attend check-ups, deliver at a facility, register the birth and get the child vaccinated.Running in 15 districts; register at PPHI Sindh health facilities. No new registration in the project's 5th year (project 2023–2027).SindhHealth
- Check your flood housing grant status (SPHF)Ongoingسیلاب متاثرین کی ہاؤسنگ گرانٹ کا اسٹیٹس چیک کریں (ایس پی ایچ ایف)Sindh People's Housing for Flood Affectees (SPHF) is the Government of Sindh programme rebuilding homes destroyed in the 2022 floods. People listed as affected can check their case by CNIC on the SPHF Beneficiary Platform, which shows housing grant eligibility, bank account opening and payment progress. Complaints go to the SPHF complaint line or email.Reconstruction and payments continue; status check by CNIC is live. No new registration is announced.SindhLand & property
- PM Youth Laptop SchemeClosed for nowوزیراعظم یوتھ لیپ ٹاپ اسکیمThe Prime Minister's Youth Laptop Scheme gives laptops on merit to students of HEC-recognised public-sector universities. Registration is online only on laptop.pmyp.gov.pk; as of 3 October 2026 the portal says registration for the current scheme is closed (last date 1 June 2024), and students can still check their status and merit lists there.laptop.pmyp.gov.pk: "Registration is closed. Last date was 2024-06-01." No new phase announced.FederalEducation & exams
- Free skills training (PM Youth Skills / NAVTTC)Closed for nowمفت ہنر کی تربیت (وزیراعظم یوتھ اسکلز / نیوٹیک)NAVTTC runs free, NVQF-certified skills training for young Pakistanis under the Prime Minister's Youth Skills Development Program and the Skills of Tomorrow programme (AI, e-commerce, Power BI, digital marketing, freelancing, graphic design). Applicants aged 18–35 with at least Matric apply online through the NSIS portal, take an NTS aptitude test and train for 3–6 months.NAVTTC Skills of Tomorrow page: "Applications Closed — Closed on: July 15, 2026"; next intake to be announced.FederalGovernment jobs
- KPEF Merit-cum-Inaffordability Scholarship (BS and MS)Closed for nowکے پی ای ایف میرٹ کم ان افورڈیبلٹی اسکالرشپ (بی ایس اور ایم ایس)The Khyber Pakhtunkhwa Education Foundation gives inland scholarships to KP-domicile students newly enrolled in BS and MS programmes at approved institutions in Pakistan. You need at least 70% marks or 3.00 CGPA, and family income of Rs. 160,000 or less per month. Applications are made only through the KPEF online portal, followed by interviews at the university.2025-26 deadline (15 December 2025) is over; no 2026-27 call published yet.Khyber PakhtunkhwaEducation & exams
- Apni Zameen Apna Ghar: free 3-marla plots for homeless familiesClosed for nowاپنی زمین اپنا گھر: بے گھر خاندانوں کے لیے مفت 3 مرلہ پلاٹApni Zameen Apna Ghar is a Chief Minister Punjab programme that gives free 3-marla residential plots to homeless and deserving people. The first phase offered 2,000 plots in 19 districts through balloting. Registration for this phase is closed; you can check the ballot result on azag.punjab.gov.pk.Registration page says "Registration has been closed"; Phase 1 ballot result publishedPunjabLand & property
- CM Punjab Asaan Karobar Card: interest-free business card up to PKR 1 millionClosed for nowوزیراعلیٰ پنجاب آسان کاروبار کارڈ: 10 لاکھ روپے تک بلا سود کاروباری کارڈThe Asaan Karobar Card gave small entrepreneurs in Punjab an interest-free revolving credit of up to PKR 1 million on a digital SME card, repaid over 3 years. Registration of new applications has been stopped. For larger business loans, see CM Punjab Asaan Karobar Finance.Portal says "Registration of applications has been stopped."PunjabBusiness & companies
- CM Punjab Free Solar Panel SchemeClosed for nowوزیراعلیٰ پنجاب مفت سولر پینل اسکیمThe CM Punjab Free Solar Panel Scheme gives up to 100,000 standalone solar systems free of cost to poor households using 0–200 electricity units a month, chosen by transparent balloting. Registration is now closed; registered applicants can check their result on cmsolarscheme.punjab.gov.pk.Portal says "Registrations for the CM Solar Scheme are now closed"; physical verification of successful applicants in progressPunjabUtilities & telecom
- CM Honhaar Scholarship: full tuition for Punjab undergraduatesClosed for nowوزیراعلیٰ ہونہار اسکالرشپ: پنجاب کے انڈرگریجویٹ طلبہ کے لیے مکمل ٹیوشن فیسThe Chief Minister's Honhaar Scholarship pays 100% of the tuition fee for merit-based, low-income students with a Punjab domicile in selected BS, MBBS and BDS programmes. Applications are made online on the PHEC portal, with no fee. The 2025 intake for Punjab students closed on 30 September 2025; the portal currently shows registration only for Azad Jammu and Kashmir students.Punjab 2025 intake closed (deadline 30 Sep 2025); portal currently open only for AJK studentsPunjabEducation & exams
- CM Punjab Livestock Card: interest-free loan for calf fatteningClosed for nowوزیراعلیٰ پنجاب لائیو اسٹاک کارڈ: بچھڑوں کی فربہی کے لیے بلا سود قرضThe CM Punjab Livestock Card gives livestock farmers an interest-free loan to buy feed (wanda, silage, mineral mixture) for fattening male calves. Applications are taken in seasons by SMS to 8070 or on plc.punjab.gov.pk. The current application season is closed.Portal says "Current Application Season is Closed"; next season awaitedPunjabSocial protection
