CM Punjab Himmat Card 2026: Rs. 10,500 Quarterly Stipend & BOP ATM Applyوزیراعلیٰ پنجاب ہمت کارڈ 2026: 10,500 روپے سہ ماہی وظیفہ، اہلیت، ڈی پی ایم آئی ایس اور بینک آف پنجاب کارڈ
A comprehensive, dignified civic resource for persons with disabilities (PWDs) and their caregivers in Punjab. Clarifying official gazetted rules under Chief Minister Maryam Nawaz Sharif’s landmark social protection initiative: accurate disbursement schedules, relaxed BISP PMT requirements, DPMIS database integration, doorstep accessibility, and scam-free Bank of Punjab biometric card pickup.
How to Check or Verify: What Does the Punjab Himmat Card Provide and How Much is the Official Stipend?
The Punjab Himmat Card delivers an official cash stipend of Rs. 10,500 disbursed QUARTERLY (every three months — equal to Rs. 3,500/month) via a customized Bank of Punjab (BOP) ATM card to certified persons with severe disabilities ('not fit to work') whose BISP PMT score is 45 or below. In addition to cash support, cardholders receive free assistive devices, subsidized public transport, and access to the CM Digital Skills Program. Registration is 100% free.
The Rs. 10,500 Truth: Quarterly vs. Monthly Breakdown10,500 روپے کی حقیقت: ماہانہ بمقابلہ سہ ماہی کی وضاحت
A massive volume of predatory third-party blogs and fake social media posts mistakenly advertise the Himmat Card as offering “Rs. 10,500 monthly” or “Rs. 7,500 monthly”. This widespread misinformation causes deep confusion and disappointment among deserving families.
- Total Quarterly Installment: Rs. 10,500 per quarter (paid every 3 months).
- Monthly Equivalent: Rs. 3,500 per month (paid as a single Rs. 10,500 installment 4 times a year).
- Total Annual Welfare: Rs. 42,000 per year transferred directly into the beneficiary's Bank of Punjab account.
- Beware of Extortion: Anyone claiming they can “convert your card to Rs. 10,500 monthly” in exchange for a fee or bribe is running a criminal extortion scheme.
What is the CM Punjab Himmat Card Scheme?وزیراعلیٰ پنجاب ہمت کارڈ اسکیم کیا ہے اور کن افراد کے لیے بنائی گئی ہے؟
The Himmat Card is a flagship social inclusion program launched by the Government of Punjab, executed through the Social Welfare & Bait-ul-Maal Department (SWD) and the Council for the Rights of Persons with Disabilities (CRPD), in financial partnership with the Bank of Punjab (BOP).
Unlike short-term relief packages, the Himmat Card is designed as a sustainable social security net for individuals who are medically categorized as having severe functional impairments that prevent them from participating in open economic employment (classified under provincial health regulations as “not fit to work”).
Targeted across two initial phases (Phase 1: 40,000; Phase 2: 25,000), expanding systematically towards 85,000 total beneficiaries across all 36 Punjab districts.
A mandatory 30% allocation is legally ring-fenced for female persons with disabilities to address compounded socio-economic vulnerability.
Dignified financial autonomy: payments are deposited directly into a personalized Bank of Punjab ATM card without requiring lines at post offices or patwaris.
Official Eligibility Criteria (CRPD Guidelines)ہمت کارڈ کے لیے اہلیت کی مکمل شرائط اور جانچ کے اصول
To ensure funds reach those in genuine need, the Punjab Social Welfare Department enforces six strict eligibility filters:
The applicant must possess an official Disability Certificate issued under the Punjab Persons with Disabilities Act, issued by a Medical Assessment Board at a District Headquarters (DHQ) Hospital. Read our complete guide to getting a Disability Certificate and Special CNIC.
The certificate must specify that the individual has a severe functional disability (minimum 40%+ functional impairment) rendering them clinically unable to engage in regular employment or sustained economic livelihood.
Per crpd.punjab.gov.pk, the applicant's household poverty score in the National Socio-Economic Registry (NSER) must not exceed 45. This threshold is higher than general BISP Kafaalat (score ≤ 32) to accommodate medical overheads. Check your status in our PMT Score Verification Guide.
The applicant's details must be synchronized in the Disabled Persons Management Information System (DPMIS), the centralized digital registry run by the Punjab Social Welfare Department. If your record is missing, your local Tehsil office must update it.
The applicant must be a permanent resident of Punjab holding a computerized National Identity Card (CNIC) or Child Registration Certificate (B-Form/CRC) featuring the wheelchair accessibility symbol issued by NADRA.
The applicant must NOT be an active government employee, government pensioner, or currently drawing cash stipends from BISP Kafaalat, Zakat committees, Pakistan Bait-ul-Maal, or Punjab Social Protection Authority (PSPA). Learn more about BISP Kafaalat rules.
Punjab Himmat Card Financial Schedule & Benefits Ledger (2026)
Verified stipend breakdown, disbursement frequency, and zero-fee guarantees
| Service Type / Document | Normal | Urgent | Executive / Fast | Validity / Period |
|---|---|---|---|---|
Quarterly Cash Stipend (Installment) | Rs. 10,500 / Quarter | Every 3 Months | Equal to Rs. 3,500/month | Disbursed via BOP ATM |
Annual Cash Assistance Total | Rs. 42,000 / Year | 4 Equal Tranches | Budgeted by Govt of Punjab | Direct Bank Credit |
Bank of Punjab (BOP) ATM Card Issuance | PKR 0 (Free of Charge) | No Hidden Costs | Biometric Collection | Multi-year chip card |
ATM Cash Withdrawal Charges | PKR 0 at all BOP ATMs | 1Link Interoperable | Zero Surcharge on Stipend | Nationwide ATMs |
Application & DPMIS Verification Fee | PKR 0 (Zero Government Fee) | Beware of Scammers | District Social Welfare Dept | Permanent Record |
Assistive Devices (Wheelchairs, Hearing Aids) | PKR 0 (Free of Cost) | Subject to Clinical Need | CRPD / SWD Distribution | Assessed at DHQ Hospital |
Step-by-Step Roadmap: From Medical Board to BOP Cardہمت کارڈ حاصل کرنے کا مرحلہ وار سرکاری طریقہ کار
The process consists of five orderly phases designed to confirm clinical assessment, check economic eligibility, and distribute cards securely:
Official 5-Stage Himmat Card Registration & Collection Flow
Chronological civic procedure under CRPD & Punjab Social Welfare Department
Obtain Medical Board Disability Certificate
Visit your District Headquarters (DHQ) Hospital and appear before the District Assessment Board to obtain an official Disability Certificate categorized as "Not fit to work".
Verify Active Profile in DPMIS Database
Ensure your CNIC and medical classification are synchronized in the provincial Disabled Persons Management Information System (DPMIS) at the local Social Welfare Office.
Submit Application Online or via Tehsil Office
Submit your details via crpd.punjab.gov.pk or visit your Tehsil Social Welfare Officer (TSWO) with original CNIC, Disability Certificate, and registered mobile number.
NSER PMT Score Scrutiny & Home Verification
Punjab Social Welfare cross-checks your family poverty PMT score (must be <= 45) in the BISP NSER database and conducts physical field scrutiny to rule out duplicate welfare.
Receive SMS & Collect BOP ATM Card Biometrically
Upon receiving official SMS approval, visit the designated Bank of Punjab (BOP) branch with your Special CNIC to biometrically verify and collect your customized Himmat ATM Card.
Stage 1: Getting the DHQ Medical Board Assessment
Every candidate must first be clinically assessed by a District Disability Assessment Board. Boards convene on scheduled days at the District Headquarters (DHQ) Hospital under the supervision of the District Health Authority and District Social Welfare Officer.
- Bring 4 passport-size photographs showing your disability if visible (or medical diagnostic records).
- Bring original CNIC or B-Form, alongside parents' CNICs.
- Ensure the examining physician marks whether the disability allows for vocational training or certifies you as “not fit to work”.
Stage 2 & 3: DPMIS Profile Check & Application Filing
Once issued, the disability certificate is entered into the Disabled Persons Management Information System (DPMIS). Citizens can verify their active profile by visiting their Tehsil Social Welfare Office or checking online at crpd.punjab.gov.pk.
If your record is active, you can apply directly through the Punjab Social Welfare portal or submit an application form at the office of your Tehsil Social Welfare Officer (TSWO). The department records your biometric thumbprints and mobile number registered in your own name.
Stage 4 & 5: Scrutiny, SMS Notification & BOP Card Pickup
The Punjab Government executes an automated cross-match against the BISP NSER poverty registry to verify that your household PMT score is 45 or lower, and scrubs data against federal databases (e-CIB / AGPR) to confirm you are not an active government employee or dual pensioner.
Approved beneficiaries receive an SMS notification from the Punjab Government. You must then visit the assigned Bank of Punjab (BOP) branch with your original Special CNIC. The bank officer verifies your biometrics on the spot, hands over your sealed Himmat ATM Card, and assists in setting up your 4-digit secret ATM PIN.
Additional Benefits Beyond the Cash Stipendہمت کارڈ کے حامل افراد کے لیے دیگر خصوصی حکومتی مراعات
The Himmat Card serves as an all-in-one civic entitlement card in Punjab, unlocking several non-cash protections:
Cardholders receive priority clinical allocation of free assistive devices, including customized motorized and manual wheelchairs, white canes for visually impaired persons, hearing aids, and orthopedic prosthetic supports.
Presenting the Himmat Card or Special CNIC grants free travel on the Lahore Metro Bus, Orange Line Metro Train, Multan Metro, and Rawalpindi-Islamabad Metro, alongside a 50% concession on Pakistan Railways trains nationwide.
For beneficiaries who are capable of home-based cognitive work, the government provides specialized IT, graphic design, and freelancing bootcamps designed specifically for persons with physical challenges to help establish independent livelihoods.
Official Status Tracking & Helpline 1312ہمت کارڈ کا آن لائن اسٹیٹس چیک کرنے اور ہیلپ لائن کا طریقہ
Online Verification Portals
To check whether your application has been received, verified, or approved for card issuance, visit the official government web portals:
Enter your 13-digit CNIC without dashes to review your current application stage and bank branch routing.
Toll-Free Helplines
If you face delays, biometric failures, or need doorstep support for bed-ridden family members, reach out through these official channels:
Registration is 100% Free: Beware of Fake Agents & Play Store Appsجعلی ایجنٹس اور فیس مانگنے والوں سے ہوشیار رہیں — رجسٹریشن مکمل مفت ہے
Fraudulent intermediaries have been reported extorting vulnerable families by demanding Rs. 2,000 “registration fees”or circulating fake APK files on Google Play and WhatsApp claiming to be “Himmat Card Online Apps”.
The Punjab Government does NOT have an official registration app on Google Play. Third-party APKs steal sensitive CNIC data and thumbprint images.
The government and Bank of Punjab will NEVER call from an 11-digit personal number (e.g. 0300-xxxxxxx) asking for your ATM PIN, OTP, or cash deposits.
If anyone demands money to process your Himmat Card, report their phone number and details immediately to the Punjab Government helpline at 1312 or local police.
Frequently Asked Questions: Punjab Himmat Card (2026)
Verified legal, operational & banking clarifications directly from CRPD and SWD regulations
The stipend is strictly QUARTERLY (Rs. 10,500 every three months). This breaks down mathematically to Rs. 3,500 per month, but the government disburses it as a single Rs. 10,500 lump sum four times a year. Beware of deceptive blog sites claiming "Rs. 10,500 per month".
Related Welfare & Healthcare Guidesمتعلقہ معلوماتی گائیڈز اور سرکاری پروگرام
Disability Certificate & Special CNIC Guide 2026 →
Complete two-stage roadmap: Medical assessment board at DHQ, NADRA Special CNIC, and doorstep 1777 mobile service.
PMT Score Explained: NSER Poverty Cutoffs →
How the Proxy Means Test (PMT) is calculated, why Himmat Card uses PMT ≤ 45, and how to update your survey.
BISP Kafaalat vs Nashonuma Explained 2026 →
Understanding why dual-welfare recipients cannot receive both Himmat Card and active BISP cash stipends.