What is 8070 and how does it work for Kisan Card?

8070 is the official Punjab Government telecommunication SMS gateway for the Kisan Card scheme. Farmers do not need to fill lengthy online forms. Simply type PKC followed by a space and your 13-digit CNIC number (without dashes), and send it to 8070 from a mobile SIM registered in your own name.

What are the exact land ownership limits to qualify for Kisan Card?

Farmers owning between 1 acre and 12.5 acres of agricultural land in Punjab are eligible. The land must be officially recorded in the Punjab Land Records Authority (PLRA) computerized system under the applicant's own CNIC. Tenant farmers without computerised fard in their name cannot apply under the primary landholder quota.

What is the maximum loan limit and how is it calculated?

The Kisan Card provides interest-free crop production financing at Rs. 30,000 per acre, capped at a maximum of Rs. 150,000 per crop season (calculated for up to 5 acres). The loan has a 6-month repayment cycle aligned with harvest seasons (Rabi & Kharif). As long as you repay upon crop harvest, zero interest/markup is charged.

Is the Kisan Card the same as the Asaan Karobar Card?

No! They are completely separate schemes for different target audiences. The CM Punjab Kisan Card is strictly for agricultural farmers owning 1 to 12.5 acres of farmland to buy fertilizers, seeds, and pesticides. In contrast, the Asaan Karobar Card (akc.punjab.gov.pk) is an SME credit facility of up to PKR 10 Lakh for urban and rural retail shopkeepers, traders, and small business entrepreneurs.

How can I check the status of my Kisan Card application?

You can check your application status by sending your CNIC to 8070 or visiting your local Tehsil Agriculture Extension Office or designated Bank of Punjab branch. Status stages include: Application Under PLRA Verification, Approved for Biometric Collection, Card Ready at BOP, or Rejected due to land record mismatch.

AGRICULTURE DEPARTMENT PUNJAB • 2026BOP Partnership

Rs. 150,000 Interest-Free Production Loans via SMS 8070

Targeting small & medium farmers (1 to 12.5 acres). Subsidized DAP, Urea & certified seeds with zero bank markup.

SMS 8070 Format Below

Urgent Alert: Beware of Fake 8070 Registration Websites & Agents

The Punjab Information Technology Board (PITB) and Agriculture Department have warned farmers about fake websites and fraudulent social media callers pretending to offer "instant online Kisan Card approval". Protect your CNIC and biometric data:

Only SMS 8070 Is Official

Registration is done strictly by SMS to shortcode 8070 or directly at your local government Tehsil Agriculture Office. Never submit CNIC on third-party blogs.

Zero Registration Fee

Applying via 8070 costs only normal telco SMS charges (approx. Rs. 1). There is NO registration or agent scrutiny fee. Never send JazzCash to middle-men.

In-Person Biometrics Only

Biometric fingerprint verification is conducted strictly inside Bank of Punjab branches or official Tehsil centers. Never give your thumb impression to roaming private agents.

Official Agriculture Department Helpline:

Toll-Free: 0800-17000•BOP: 042-111-333-267

PUNJAB FARMER WELFARE INITIATIVE • RS. 150,000 ZERO-MARKUP FACILITY

CM Punjab Kisan Card 2026: 8070 SMS Apply, Eligibility & Rs. 150,000 Loan

The verified, independent public guide to Chief Minister Maryam Nawaz's Kisan Card initiative for farmers across Punjab. Learn how to apply via official SMS shortcode 8070, verify land records with the Punjab Land Records Authority (PLRA), obtain Rs. 30,000/acre (up to Rs. 150,000) interest-free financing for fertilizers and seeds, and check your approval status.

In Short

Verified Summary

Audio Guide:

How to Check or Verify: Direct Answer: CM Punjab Kisan Card (2026)

The CM Punjab Kisan Card provides small and medium farmers owning 1 to 12.5 acres of agricultural land with interest-free production loans of Rs. 30,000 per acre (up to Rs. 150,000 per crop season for up to 5 acres). Managed jointly with the Bank of Punjab (BOP), the card enables digital subsidized purchases of DAP, Urea, certified seeds, and pesticides. To apply, text PKC [Space] [CNIC without dashes] to 8070 from a SIM registered in your own name. After automated PLRA land verification, collect your card with biometric verification at designated BOP branches.

Official Kisan Card Financing Terms & Production Ledger (2026)

Confirmed per-acre financing, maximum seasonal ceiling, repayment timeline, and bank markup subsidy

Official Rates

Important: The Kisan Card loan is 100% interest-free provided the principal is repaid upon crop harvest within the 6-month seasonal cycle. Loans not repaid within 6 months may accrue standard commercial bank markup.2026 Active Rates

Service Type / Document	Normal	Urgent	Executive / Fast	Validity / Period
Financing Limit per Acre	Rs. 30,000 per Acre	Zero Markup / Interest-Free	For Fertilizer & Certified Seeds	Standard
Maximum Credit per Crop Season	Up to Rs. 150,000 (5 Acres Cap)	100% Subsidized by Punjab Govt	Seasonal Production Facility	Standard
Markup / Interest Charged to Farmer	0% (Completely Interest-Free)	Paid by Provincial Treasury	No Bank Spread Charged	Standard
Repayment Tenure & Crop Cycle	6 Months (Aligned with Harvest)	Rabi (Wheat) & Kharif (Cotton/Rice)	Lump-Sum Post-Harvest Repayment	Standard
Eligible Landholding Threshold	1 Acre to 12.5 Acres	Verified via PLRA Database	Small & Medium Landholders	Standard
Participating Financial Partner	The Bank of Punjab (BOP)	Tehsil Centers & Branches	Direct Biometric Issuance	Standard

Official 8070 Gateway

How to Apply via SMS to Shortcode 8070 (Step-by-Step)

The Punjab Government eliminated paper queues by routing all initial applications through telecommunication shortcode 8070:

Official SMS Syntax FormatSend to Shortcode: 8070

PKC <13_DIGIT_CNIC_WITHOUT_DASHES>

Live Example:

PKC 3520112345671

(Type PKC, followed by a single space, then your 13-digit CNIC without hyphens, and send to 8070).

Mandatory Pre-condition:

The mobile SIM sending this text MUST be registered to the same CNIC as the landholder in the Pakistan Telecommunication Authority (PTA) database. If sent from a son's, brother's, or friend's SIM, the system returns a "SIM CNIC Mismatch" error.

How to Check Application Status & Processing Stages

After texting 8070, your profile advances through four standard verification stages:

STAGE 1PLRA Land Verification

System cross-checks whether your CNIC holds computerized agricultural land records (1 to 12.5 acres).

STAGE 2Credit & e-CIB Clearance

Bank of Punjab ensures the applicant has no active default on past agricultural loans.

STAGE 3Approval Notification SMS

Farmer receives an automated SMS with assigned BOP branch or Tehsil Agriculture Center.

STAGE 4Biometric Card Handover

Farmer visits with original CNIC, completes fingerprint scan, and receives the activated card.

Mandatory Criteria

Kisan Card Eligibility Checklist (Punjab)

Confirm you meet all mandatory conditions before sending your SMS to 8070:

1. Landholding Limit (1 to 12.5 Acres)

Must own at least 1 acre and not more than 12.5 acres of cultivated agricultural land in Punjab province. (Farmers owning >12.5 acres are deemed commercial scale and excluded).

2. Computerised Land Record (PLRA)

The land must be registered under your CNIC in the computerised Punjab Land Records Authority (PLRA) Arazi Record Center. Manual unverified patwari records cannot be verified electronically.

3. Valid CNIC & Punjab Residence

Applicant must possess a valid, unexpired CNIC issued by NADRA with permanent address located inside Punjab province.

4. Clean Credit History (No Default)

Applicant must not be a loan defaulter of ZTBL, Bank of Punjab, or any other commercial or microfinance bank under State Bank e-CIB guidelines.

Step-by-Step: From 8070 SMS to Kisan Card Collection

5 verified stages: land verification, SMS dispatch, BOP approval, biometric confirmation, and input purchase

OFFICIAL REGISTRATION & CARD ISSUANCE WORKFLOW

Prerequisite1

Verify Land Record & SIM Ownership

Ensure 1 to 12.5 acres of agricultural land is registered in your name in the Punjab Land Records Authority (PLRA) computer system, and your mobile SIM matches your CNIC.

Step 1 of 5✓ Verified

SMS Code: 80702

Send SMS to 8070: PKC [CNIC]

From your own registered SIM card, text: PKC [Space] [13-digit CNIC without dashes] to shortcode 8070 (e.g. PKC 3520112345671).

Step 2 of 5✓ Verified

Automated Check3

Automated Land & e-CIB Scrutiny

The provincial central server automatically verifies your computerized land records with PLRA and checks your banking credit history with the Bank of Punjab.

Step 3 of 5✓ Verified

Biometrics4

Visit BOP Branch or Tehsil Center

Upon receiving approval SMS from 8070, visit your assigned Bank of Punjab branch or Tehsil Agriculture Extension Office with your original CNIC.

Step 4 of 5✓ Verified

Card Delivery5

Receive Chip Card & Buy Subsidized Inputs

Complete biometric verification, collect your activated Kisan Card, and swipe at registered agro-dealers to purchase fertilizer and seeds with Rs. 150,000 zero-markup credit.

Step 5 of 5✓ Verified

Verify Land Record & SIM Ownership

Prerequisite

Ensure 1 to 12.5 acres of agricultural land is registered in your name in the Punjab Land Records Authority (PLRA) computer system, and your mobile SIM matches your CNIC.

Send SMS to 8070: PKC [CNIC]

SMS Code: 8070

From your own registered SIM card, text: PKC [Space] [13-digit CNIC without dashes] to shortcode 8070 (e.g. PKC 3520112345671).

Automated Land & e-CIB Scrutiny

Automated Check

The provincial central server automatically verifies your computerized land records with PLRA and checks your banking credit history with the Bank of Punjab.

Visit BOP Branch or Tehsil Center

Biometrics

Upon receiving approval SMS from 8070, visit your assigned Bank of Punjab branch or Tehsil Agriculture Extension Office with your original CNIC.

Receive Chip Card & Buy Subsidized Inputs

Card Delivery

Complete biometric verification, collect your activated Kisan Card, and swipe at registered agro-dealers to purchase fertilizer and seeds with Rs. 150,000 zero-markup credit.

Clear Distinction

Kisan Card vs. Asaan Karobar Card: Understanding the Difference

Many online blogs confusingly lump these two initiatives together. They are distinct schemes managed by different provincial departments with separate mandates:

CM Punjab Kisan Card vs. Asaan Karobar Card

Key differences in target audience, eligibility proof, credit limits, and official channels

Comparative Analysis

FARMERS ONLY

CM Punjab Kisan Card

SMS 8070 / agripunjab.gov.pk

Exclusively for agricultural landholders in Punjab owning 1 to 12.5 acres.
Rs. 30,000 per acre up to Rs. 150,000 interest-free crop production financing.
Used specifically for agricultural inputs: DAP/Urea fertilizers, seeds, and pesticides.
Primary eligibility check: Computerized land records via PLRA Arazi Record Center.
Application channel: SMS PKC [CNIC] to 8070. No fee required.

Target Audience:Agricultural Farmers

Credit Limit:Up to Rs. 150,000 / Crop

Mandatory Proof:PLRA Land Record (1–12.5 Acres)

Repayment Tenure:6 Months (Seasonal Harvest)

Application Method:SMS to 8070

Target Beneficiary:

Agricultural growers in Punjab needing seasonal working capital for wheat, cotton, rice, and sugarcane inputs.

SMEs & SHOPKEEPERS

Asaan Karobar Card (Punjab)

akc.punjab.gov.pk

Designed for retail shopkeepers, wholesale traders, and commercial startups in Punjab.
Up to PKR 1,000,000 (10 Lakh) interest-free revolving line of credit.
Used for commercial inventory stock, vendor supplies, utility bills, and up to 25% cash.
Primary eligibility check: FBR NTN & Active Taxpayer List (ATL) compliance.
Application channel: Online portal akc.punjab.gov.pk (PKR 500 fee via 17-digit PSID).

Target Audience:Shopkeepers & Urban SMEs

Credit Limit:Up to PKR 10 Lakh (1 Million)

Mandatory Proof:FBR Tax Filer Status (NTN)

Repayment Tenure:3 Years (Revolving Line)

Application Method:Online Portal akc.punjab.gov.pk

Target Beneficiary:

Small commercial retailers, artisans, and business entrepreneurs in Punjab needing continuous business revolving credit.

Looking for Small Business / Shopkeeper Loans Instead?

Asaan Karobar Card: Up to PKR 10 Lakh Interest-Free Revolving Credit

If you operate a retail shop or commercial enterprise, apply on akc.punjab.gov.pk for up to PKR 1,000,000 interest-free financing with Bank of Punjab.

View Asaan Karobar Guide →

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Punjab Green Tractor Scheme →

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PLRA Fard Online Verifier →

Verify agricultural land ownership records and fard online.

Scam Safety

How to Spot Fake Loan Scams →

Protect against unauthorized fee agents and fake WhatsApp loan calls.

Frequently Asked Questions: CM Punjab Kisan Card 2026

Confirmed answers on 8070 SMS registration, land limits, fertilizer discounts, and card activation

Verified Answers

From a mobile phone SIM registered under your own CNIC, open your messaging app, type 'PKC' followed by a space and your 13-digit CNIC number without hyphens (e.g., PKC 3520112345671), and send it to 8070. You will receive an immediate acknowledgment SMS from the Punjab Government.

The Kisan Card is primarily designed for cashless, subsidized agricultural purchases. The credit limit (Rs. 30,000 per acre up to Rs. 150,000) is loaded onto your chip card and is redeemed by swiping at authorized agricultural dealer POS machines to purchase DAP, Urea, approved seeds, and pesticides. Direct cash withdrawal is not the primary mechanism to ensure funds are not diverted away from crops.