The Benazir Income Support Programme (BISP) has recently updated its payment process for the Kafalat Program, helping low-income families in Punjab access cash aid more conveniently. With the latest changes, eligible citizens can withdraw the monthly assistance of Rs 10,500 from various bank branches and ATMs. This update has streamlined payment accessibility, allowing beneficiaries to avoid long travel distances and reducing wait times. Here’s everything you need to know about withdrawing your BISP Kafalat payment, checking your eligibility, and keeping track of upcoming increases.
Overview of the BISP Kafalat Program
The BISP Kafalat Program is a government initiative in Pakistan aimed at providing financial assistance to families living below the poverty line. Through the program, the government disburses cash payments every three months to help eligible households cover essential expenses. This program has been a lifeline for millions, helping low-income families meet basic needs with dignity.
Monthly Aid and Future Increase
Currently, families enrolled in the Kafalat Program receive Rs 10,500 every three months. However, starting in January 2025, this amount will increase to Rs 13,500 to offer even greater support amid rising costs. If you are living below the poverty line and have not yet applied, you can still register for this assistance to start receiving benefits next year.
New Bank Payment Structure
To make the withdrawal process more accessible and transparent, BISP has introduced a new structure for payment distribution. Now, Kafalat beneficiaries can collect their aid from six designated banks. This update is a major improvement over the previous system, reducing delays and helping beneficiaries access funds closer to home.
List of Banks Participating in BISP Kafalat Payments:
- Habib Bank Limited (HBL)
- Bank Al Falah
- Bank of Punjab
- Mobilink Microfinance Bank
- Telenor Microfinance Bank
- HBL Microfinance Bank
Each of these banks is equipped to handle the payment process smoothly and ensure eligible citizens receive their full amount without inconvenience.
Enhanced Banking System for Improved Service
Previously, Habib Bank Limited (HBL) was the sole provider responsible for disbursing funds, which led to long queues and extended wait times at ATMs. Now, with six banks handling these transactions, the process has become more efficient, reducing the burden on each bank and enhancing the overall experience for beneficiaries.
The updated system also strengthens program transparency, ensuring that all eligible families receive their payments promptly without unnecessary hurdles.
Who Qualifies for the BISP Kafalat Program?
Eligibility for the BISP Kafalat Program is based on a scoring system known as the PMT (Poverty Means Test) score. To qualify, a woman’s PMT score must be below 32, indicating that she is among the neediest individuals in her community. Additionally, beneficiaries need to complete a mandatory survey at their local Benazir Tehsil Center to confirm their eligibility and registration status.
The program particularly aims to support women in rural and underprivileged areas, empowering them financially and enabling them to contribute to household expenses.
How to Withdraw Rs 10,500 through CNIC and ATMs
Once you have received a notification from the BISP 8171 system, which typically comes as a text message, you can proceed to withdraw your funds. Here’s a step-by-step guide:
- Visit Your Bank’s ATM: Go to any ATM associated with the six designated banks listed above.
- Insert Your CNIC: Use your CNIC to access your account at the ATM.
- Follow the ATM Instructions: The screen will guide you through a few steps to verify your identity and confirm the amount available.
- Withdraw the Cash: Once verified, the machine will dispense your cash payment. Be sure to collect your receipt for reference.
This method has simplified the process, allowing beneficiaries to withdraw funds directly without having to stand in long lines or face delays at bank branches.
Checking Payment Status and Eligibility Online
You can easily check your payment status and eligibility through the BISP 8171 web portal by following these steps:
- Visit the 8171 BISP Official Portal: Go to 8171.bisp.gov.pk.
- Enter Your CNIC and Code: Input your CNIC number along with the verification code provided on the page.
- Submit Your Information: Click the submit button to see your current payment status and eligibility.
This online system is updated regularly, providing you with the latest information about your Kafalat payments.
The Role of PMT Score in Eligibility
The PMT score is essential to the BISP Kafalat Program, as it determines eligibility based on income levels. Those with a PMT score under 32 are considered eligible, as this score threshold signifies extreme financial need. To apply, you can visit your nearest Benazir Tehsil Center, where the survey process will verify your PMT score and register you for the program if you meet the criteria.
Future Developments in the BISP Program
In addition to the current improvements, BISP plans to make further enhancements in 2025. With an increase in monthly assistance and additional financial support initiatives, the BISP Kafalat Program aims to better serve Pakistan’s underprivileged communities. By partnering with more banks and streamlining processes, the program continues to evolve in its mission to support families in need.