The Punjab Government has officially announced the repayment schedule for loans taken under the Punjab Kissan Card scheme. This move affects thousands of farmers across the province who availed interest-free agricultural loans to improve their crop production. If you’re one of them, it’s time to get ready and make your payments before the deadline to avoid any penalties or disruptions in future benefits.
CM Punjab Kissan Card Initiative – A Lifeline for Farmers
The Punjab Kissan Card was launched under the leadership of Chief Minister Maryam Nawaz Sharif to uplift the agricultural sector. Through this card, over 7 lakh farmers received interest-free loans—up to Rs. 30,000 per acre—to buy seeds, fertilizers, and meet other agricultural needs. This revolutionary step made farming more accessible and less financially burdensome for small and medium-scale farmers.
Now that the sowing season is ending, it’s time to repay the loan. The government has set April 16 as the official start date for repayments. If you took a loan under this scheme, you are expected to pay it back on time to continue receiving support in future seasons.
Multiple Ways to Pay Your Kissan Card Loan
To make it easier for farmers to repay their loans, the Punjab Government has introduced several convenient payment methods. You can choose any method that suits you best:
1. Visit Bank of Punjab Branches
One of the simplest ways is to go directly to any Bank of Punjab (BOP) branch. With over 650 branches across Punjab, you’ll likely find one close to you. Just bring your Kissan Card number and the exact loan details.
Steps:
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Go to your nearest BOP branch.
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Provide your Kissan Card number and loan details to the bank officer.
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Pay the due amount.
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Collect your receipt as proof of payment.
2. Use Mobile Banking Apps
If you’re comfortable using a smartphone, mobile banking makes repayment even easier. Whether it’s the BOP Digital App or your own bank’s app, the “1 Bill” feature lets you pay instantly.
Steps:
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Open your bank’s mobile app.
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Select the “1 Bill” option.
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Enter your Kissan Card number.
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Confirm the displayed amount.
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Make the payment and save the receipt.
This method is perfect if you want to avoid queues and pay from the comfort of your home.
3. ATM Payment Option
Farmers can also use ATM machines to repay the loan using a debit card. Most banks in Punjab offer this option under the bill payment services.
Steps:
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Insert your debit card into the ATM.
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Select the “Bill Payment” or “Loan Repayment” option.
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Enter your Kissan Card number and the loan amount.
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Pay and collect your printed receipt.
It’s a safe and quick option if you’re already using an ATM regularly.
4. Offline Payment Through Other Banks
Many private banks also support the “1 Bill” feature at their physical branches. If you can’t access a BOP branch, simply visit your bank (that supports offline 1 Bill payments) and complete the repayment process in person.
Note: Always double-check the receipt and confirm the amount before leaving the bank.
Also Read: BISP Kafalat Program Disqualification in 2025 – Reasons and Solutions Explained
Why You Should Repay on Time
Timely repayment isn’t just about avoiding late charges—it plays a bigger role. If you pay back your Kissan Card loan by the deadline, you remain eligible for future interest-free loans. The government plans to continue this scheme, and your repayment history will determine whether you qualify for new loans in the next crop cycle.
Failing to pay on time could lead to complications. Not only might you miss out on financial help for your next harvest, but it could also impact your eligibility for other government schemes. That’s why it’s critical to take this repayment deadline seriously.
Final Thoughts
The Punjab Kissan Card has been a massive support for farmers, giving them the financial muscle they need for better yields and stable income. With the loan repayment window now open, it’s time to return the favor—pay your dues on time and secure your spot in the next round of government aid. Choose a method that’s convenient for you and keep all your receipts safe. This small step today will ensure bigger benefits tomorrow.