Kisan Card Phase 2 Payments
Kisan Card Phase 2 Payments: Punjab Government’s Kisan Card Scheme has stepped into Phase 2 with significant upgrades, not only in terms of loan limits and digital registration but also in the way farmers can withdraw and utilize funds. In Phase 2, the Punjab Government, in collaboration with the Bank of Punjab, has introduced three new payment withdrawal methods to provide maximum convenience to farmers across the province.
This article provides a complete step-by-step guide on how to withdraw Kisan Card Phase 2 payments using these new methods: PSO petrol pumps, registered agriculture dealers, and any ATM across the country. Farmers can now utilize their interest-free loan amounts more flexibly, efficiently, and securely.
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Overview of Kisan Card Phase 2 – 2025
Before we dive into the new withdrawal methods, here is a quick snapshot of key features in Phase 2 of the Kisan Card scheme:
- Maximum Interest-Free Loan Limit: 300,000
- Eligible Landholding: 1 to 25 acres
- Loan Facility Coverage: Up to 10 acres interest-free
- Digital Registration: Fully automated; no passbook required
- Loan Disbursement Time: Within 30 minutes
- Subsidies: 20% on seeds, plus support on fertilizers and pesticides
- New Payment Usage Channels: Diesel purchase, input dealers, ATMs
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Why New Withdrawal Methods Were Introduced
In Phase 1, farmers faced several challenges when it came to accessing and utilizing their loan amounts. The only withdrawal method involved physical bank visits, and the loans could only be used through selected vendors. This often caused delays, limited accessibility in remote areas, and added travel costs. To tackle these problems, Phase 2 has introduced three new withdrawal methods:
- PSO Petrol Pumps for diesel purchase
- Registered Agriculture Dealers for seeds, fertilizers, pesticides
- ATMs Across Pakistan for cash withdrawal – up to 30% of the loan
These methods are designed to ensure that farmers get timely access to funds, save transportation costs, and benefit from subsidies directly.
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Diesel Purchase through PSO Petrol Pumps
Under Phase 2, Kisan Card holders can now buy diesel from over 100 PSO petrol pumps across Punjab. The payment is made directly through the Kisan Card without needing physical cash. This facility helps farmers purchase diesel for tractors, water pumps, and other farm machinery needed during critical farming seasons such as ploughing, sowing, and harvesting.
How to Use This Method:
- Locate a Nearby PSO Pump:
- Farmers can check the list of over 100 authorized PSO petrol stations via the Punjab Agriculture Department website or by visiting the Bank of Punjab branch.
- Visit the Station with Your Kisan Card:
- Go to any approved PSO pump.
- Present your Kisan Card and CNIC for verification.
- Swipe the Kisan Card:
- The pump operator will swipe your Kisan Card using a POS device linked with the Bank of Punjab system.
- Confirm the Diesel Quantity:
- Specify how much diesel you want to purchase.
- The amount will be deducted directly from your Kisan Card loan limit.
- Receive the Diesel and Payment Receipt:
- Diesel is dispensed, and you will get a digital or printed receipt for your records.
Benefits:
- No need for cash handling.
- Prevents overpricing and ensures transparency.
- Saves time and reduces hassle for farmers.
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Withdraw Payment via Registered Agriculture Dealers
Farmers can now purchase fertilizers, seeds, pesticides, and agricultural tools through 3,350+ registered dealers across Punjab. The main purpose is to ensure subsidized and transparent access to quality agricultural inputs using the digital Kisan Card system.
Steps to Use This Method:
- Identify a Registered Dealer Near You:
- A complete list of verified dealers is available on the Punjab Agriculture Department portal.
- You can also confirm dealers at the Tehsil-level agriculture office.
- Visit the Dealer with Your Kisan Card:
- Take your Kisan Card and original CNIC to the store.
- Inform the dealer of your requirement (fertilizer, seed, pesticide, etc.).
- Dealer Initiates a Kisan Card Transaction:
- The dealer uses a POS machine connected to the BOP system to deduct the cost directly from your card.
- Receive Subsidized Goods:
- The transaction instantly reflects in your card balance.
- You receive goods along with a receipt showing the transaction details and subsidy applied.
Important Points:
- You can get up to 20% subsidy on seed purchase.
- Subsidy on fertilizers and pesticides is automatically applied.
- Avoid unregistered or blacklisted dealers.
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Cash Withdrawal Through ATM
One of the most powerful features introduced in Phase 2 is the ability to withdraw cash up to 30% of the total loan amount from any ATM in Pakistan. The main purpose is to give farmers flexibility in managing urgent expenses that might not be covered under registered dealer networks or PSO purchases.
Steps to Withdraw from ATM:
- Visit Any ATM
- While any ATM is allowed, Bank of Punjab ATMs offer full compatibility and no service fee.
- Insert Your Kisan Card:
- Use it like a regular ATM card.
- Enter Your PIN:
- PIN is issued at the time of card activation. If forgotten, contact BOP helpline.
- Check Balance and Withdraw Funds:
- You can only withdraw up to 30% of your sanctioned loan amount.
- The remaining 70% must be used at PSO pumps or through agriculture dealers.
- Collect Receipt:
- Always retain the receipt to track your withdrawals.
Benefits:
- Emergency access to cash for labor costs, transport, and miscellaneous farm needs.
- Available 24/7 across the country.
- Increases financial independence of the farmer.
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Important Conditions for Phase 2 Withdrawal
To use these new withdrawal methods efficiently, farmers must:
- Ensure their Kisan Card is activated and linked to BOP.
- Use only registered and verified service points dealers, petrol stations.
- Stay within the spending limits defined by the scheme
- Maintain digital records and receipts for audit and subsidy validation.
- Avoid using the card for non-agricultural purposes, as this could lead to penalties or disqualification from future programs.
Documents Required for Withdrawal
Farmers need to present the following documents when making purchases or withdrawals:
- Original CNIC
- Punjab Kisan Card
- Mobile number registered with the card
If you will have during withdrawing payment, then you will easily withdraw.
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Helpline and Support
For any issues related to transaction errors, subsidy calculation, or dealer fraud, farmers can:
- Call the Bank of Punjab Kisan Card Helpline: 042-111-267-200
- Contact the Punjab Agriculture Helpline: 0800-17000
- Visit the nearest Tehsil Agriculture Office for support
Conclusion
With the introduction of these three flexible and farmer-friendly withdrawal methods, Phase 2 of the Punjab Kisan Card Scheme has significantly improved access to timely and transparent financial support for small and medium farmers. Whether it’s purchasing diesel at PSO stations, buying inputs from registered dealers, or withdrawing emergency cash from any ATM, these options ensure that farmers have the tools they need to succeed.
The new system not only saves time and travel but also reduces corruption and brings subsidies directly to the farmer’s hand. By simplifying the usage of loans and expanding the channel network, the Punjab government aims to revolutionize agricultural financing and bring prosperity to rural communities.
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FAQs
What are the new withdrawal methods introduced in Kisan Card Phase 2?
Farmers can withdraw payments through PSO petrol pumps, registered agriculture dealers, and ATMs. These methods make accessing funds quicker and more convenient.
How can farmers purchase diesel using the Kisan Card?
Farmers visit authorized PSO pumps and swipe their Kisan Card to pay for diesel. The amount is directly deducted from their loan balance.
What is the cash withdrawal limit through ATMs?
Up to 30% of the loan amount can be withdrawn through any ATM. The remaining 70% must be used through dealers or PSO stations.
What subsidy benefits do farmers get through registered dealers?
Farmers get a 20% subsidy on seeds and discounts on fertilizers and pesticides. These discounts are applied automatically during the transaction.
What documents are required for withdrawal or purchases?
Farmers need their original CNIC, Kisan Card, and a registered mobile number. Land proof is only needed during the registration phase.