CM Punjab Livestock Card – Helping Farmers with Interest-Free Animal Loans
Under the Chief Minister Maryam Nawaz Sharif, the Government of Punjab is introducing the CM Punjab Livestock Card Scheme 2025 to help grow the agricultural sector. The aim is to help livestock farmers by offering them interest-free loans that help them improve their way of farming and support themselves.
Objective of the Scheme
The primary goal of the CM Punjab Livestock Card Scheme 2025 is to:
- Improve animal nutrition and health
- Boost milk and meat production
- Reduce financial pressure on small farmers
- Create self-sustainable rural livelihoods
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Key Features of the Livestock Card
Loan Limit: PKR 135,000–PKR 270,000
Per Animal Loan: PKR 27,000
Eligible Animals: Between 5 to 10 per farmer
Loan Term: 120 days use + 30 days repayment
Markup: 0% (Interest-free)
Repayment Mode: Lump-sum at the end of tenure
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Loan Details
The loans are interest-free and amount from PKR 135,000 to PKR 270,000 based on how many animals a farmer keeps. Farmer eligibility exists for those with 5 to 10 animals, and each of these animals receives a loan of PKR 27,000. The term of the loan is divided into these sections:
- The utility period is set at about 4 months (120 days).
- The repayment period lasts for 30 days from the moment you withdraw funds.
These terms help farmers manage their money and repay the loan without putting too much effort or stress on them.
Eligibility Criteria
To qualify for the Punjab Livestock Card, applicants must meet the following criteria:
- Residency: Must be a resident of Punjab
- Livestock Ownership: Owns between 5 to 10 animals
- Documentation: Possess a valid Computerized National Identity Card (CNIC)
- Registration: Be registered with the Livestock Department’s system
- Mobile Connectivity: Have a mobile SIM registered in their name
- Credit History: Maintain a clean credit history, verified through the Electronic Credit Information Bureau
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Application Process
Farmers can apply for the Punjab Livestock Card through the following methods:
SMS Registration:
- Send an SMS with the format: PLC <space> <CNIC> to 8070.
- Example: PLC 12345-1234567-1
- Application Period: November 5, 2024 – December 11, 2024
Online Registration:
- Visit the official portal: livestock.punjab.gov.pk
- Complete the online application form with the required details.
Offline Registration:
- Visit the nearest Livestock Department office.
- Submit the necessary documents and complete the application process.
Upon successful application, eligible farmers will receive their Livestock Card, which can be used to access the loan amount.
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Utilization of Funds
Funds received using the Punjab Livestock Card can be spent on the following purposes:
- Livestock Farmers: Securing quality feed is important for the health and good production of all livestock.
- Services for animals: Animals have access to medical care and vaccinations.
- Getting the needed equipment to care for livestock.
- Other important things: These costs are for animal housing and maintenance as well.
Loan Disbursement and Recovery
- The funds are credited via Livestock Card, which can be used at designated service providers.
- Repayment is monitored jointly by the Livestock Department and partner financial institutions.
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Impact on the Agricultural Sector
The Punjab Livestock Card is designed to make a major impact on the agricultural sector:
- Helping Out Economically: With financial aid from the government, farmers can invest in their animals, which results in more products and earnings.
- Good Feed and Vet Care: Healthier animals will be raised when they have access to quality feed and medical care.
- Giving support to rural farmers leads to the overall progress and prosperity of these areas.
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Conclusion:
The CM Punjab Livestock Card Scheme 2025 is going to be a great help for farmers of livestock. It gives financial assistance, career counseling, and a promise of interest-free aid. Proper use of this program could automatically increase farmers’ incomes and turn Punjab into a leading state for livestock.
