Free Punjab CM Livestock Card Scheme
The government of Punjab has launched a worthy initiative, the Free Punjab CM Livestock Card Scheme, helping livestock farmers throughout Punjab. This scheme is providing interest-free loans that will give farmers cash to buy essential fodder, silage, Wanda, and mineral supplements needed to fatten calves and buffalo. If you practice farming and raise 5 to 10 male calves situated in Punjab, this scheme could be a blessing and help your business prosper!
What is the Punjab CM Livestock Card Scheme?
The CM Punjab Livestock Card Scheme is a government initiative that offers small and medium-scale livestock farmers an interest-free loan. This loan will allow livestock farmers to get loans for livestock at no interest, meaning they can improve the quality of their feed, veterinarian care for the livestock, add value to what would otherwise be a depreciating asset, produce higher returns, or produce and make a living with a disposable income.
Key Features of the Scheme
The key features of the program launched by the Punjab government are outlined below.
- Loan Amount: Farmers can claim PKR 27,000 for each male calf, either buffalo or cow. If you own 5 to 10 calves, the total loan can range from PKR 135,000 to PKR 270,000.
- Duration: The loan term is 4 months, with an additional 1-month grace period to complete full repayment.
- Interest Rate: The loan is 100% interest-free, meaning no extra charges on the borrowed amount.
- Purpose: The funds are intended to purchase Wanda, silage, and mineral mixtures to support calf farming and fattening.
- Coverage: The initiative targets supporting up to 80,000 farmers and roughly 400,000 animals over three cycles from Q4 2024 to Q3 2025
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Phases of the CM Punjab Livestock Card Scheme
Phase 1
- Registration started on November 5, 2024, under the leadership of CM Maryam Nawaz Sharif.
- Targeted to help 10,000–20,000 farmers, covering around 100,000 animals in the first year.
- Farmers could register by sending an SMS or visiting veterinary centers between November 5 and December 11, 2024.
- Approved farmers received interest-free loans of PKR 27,000 per calf, repayable within five months (including a 1-month grace period)
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Phase 2
- This phase focuses on farmers who missed out during Phase 1 due to incomplete documents or location issues.
- Special attention is given to South Punjab, especially vulnerable women like widows and divorcees, with additional support like free livestock and training.
- Existing applications will be processed without requiring resubmission, and extra verification will be done through field visits.
Phase 3
- The project is set to scale, reaching 80,000 farmers and 400,000 animals between the fourth quarter of 2024 and the third quarter of 2025.
- Year-2 plans include supporting 30,000 to 60,000 farmers and financing around 300,000 animals.
Who is Eligible for the Scheme?
To apply for the Livestock Card, farmers must meet these conditions:
- Should be living in Punjab and hold a valid CNIC
- Own a mobile SIM registered in their name.
- Own between 5 to 10 male calves, whether buffalo or cattle.
- Be registered in the official livestock database (SPMS-9211).
- Have no history of loan defaults or negative credit records.
- Pass NADRA and credit screenings such as CIB and AML checks.
How to Get Your Punjab CM Livestock Card: Application Tips
If you wish to apply for this program, you can apply through the two methods outlined below.
Online Application
- Send an SMS in this format:
Space CNIC to 8070 - This will register your interest and start your application process.
Offline Application
- To register in person, visit your nearest veterinary hospital, tehsil center, or mobile veterinary unit.
After approval, you will receive a Livestock Card that allows you to purchase feed and supplements from registered dealers linked with the Bank of Punjab.
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Benefits of the Livestock Card Scheme
With interest-free loans, farmers can reduce some of their financial burden and invest in calf/buffalo fattening (better feed and minerals). The program focuses on disadvantaged groups, specifically women farmers, by providing additional support to ensure inclusive growth. This not only increases agricultural productivity but also sustainably increases farmers’ income. The program has empowered small and medium farmers, leading to overall growth in Punjab’s livestock sector through the scheme.
Tips for a Successful Application
- Ensure your CNIC and mobile number are valid and registered in your name.
- Prepare all necessary documents and information before applying.
- Use official channels (SMS, veterinary centers) to avoid scams.
- If unsure, visit your local veterinary center for guidance and support.
Conclusion
The Punjab CM Livestock Card Scheme provides tremendous support to livestock farmers in Punjab by providing capital support with no interest costs. Farmers will have access to interest-free credit to purchase key feed and supplements, which will help them raise a healthy calf and feed their family.