CM Punjab Livestock Card Scheme Phase 2 Registration 2025 by Maryam Nawaz – Get Rs 540,000 Subsidized Loan for Cattle
The CM Punjab Livestock Card Scheme Phase 2 Registration 2025 has officially launched Phase 2 of the Punjab Livestock Card Scheme 2025, an ambitious initiative led by Chief Minister Maryam Nawaz Sharif to empower dairy farmers across the province. Under this scheme, eligible farmers can receive up to Rs 540,000 in subsidized financing for purchasing cattle, animal feed, and livestock essentials. With rising fodder costs and limited access to formal lending options, this card-based financing system is a game changer for thousands of small and medium livestock owners.
Unlike traditional loans that require heavy documentation and high interest, the Punjab Livestock Card works like a digital credit card specifically for cattle-related expenses. Farmers can use it to purchase feed, veterinary medicines, and even new cows or buffaloes from authorized suppliers. The best part? The government is offering a 25% subsidy on animal feed, making livestock maintenance significantly more affordable.
The scheme is designed to reduce farmers’ dependence on informal lenders, middlemen, and costly private loans. Whether you own just one buffalo or run a small dairy farm, this program provides financial support without collateral, making it accessible even to low-income households. Women farmers and widows are also being prioritized under this phase as part of Punjab’s Women Empowerment & Rural Development Vision.
If you are wondering who can apply, how to register, or whether you qualify for the Rs 540,000 cattle loan, this complete guide will walk you through everything step by step — including eligibility criteria, required documents, loan breakdown, registration process, repayment policy, and frequently asked questions.
Key Features of Punjab Livestock Card Scheme (Phase 2):
| Feature | Details |
|---|---|
| Scheme Name | Punjab Livestock Card Scheme – Phase 2 |
| Launched By | CM Maryam Nawaz Sharif |
| Maximum Loan Limit | Rs 540,000 |
| Subsidy | 25% Government Subsidy on Animal Feed |
| Financing Type | Shariah-compliant / Interest-Free or Low Markup |
| Eligible Applicants | Dairy Farmers & Livestock Owners in Punjab |
| Collateral Requirement | No collateral needed |
| Repayment Method | Monthly or Seasonal Installments |
| Registration Ways | SMS / Helpline / Online Portal / Bank Visit |
| Priority Beneficiaries | Women Farmers, Widows, and Small Farmers |
Eligibility Criteria for Livestock Card Phase 2:
You are eligible to apply for the CM Punjab Livestock Card Scheme 2025 if:
- You are a resident of Punjab
- You own at least one cow or buffalo (proof required)
- You are between 18 and 65 years of age
- You possess a valid CNIC registered in your name
- You are actively engaged in dairy farming or livestock-related work
- You have no history of loan default or blacklisting
- You are registered with the local livestock department (optional but preferred)
Bonus Point:
✅ Women, widows, and BISP/Kisan Card holders will be given priority during approval.
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Loan & Subsidy Breakdown – Rs 540,000 Cattle Financing Details:
| Category | Amount / Subsidy Details |
|---|---|
| Maximum Loan Limit | Rs 540,000 |
| Minimum Initial Down Payment | Rs 135,000 (approx.) |
| Government Feed Subsidy | 25% discount applied directly through card usage |
| Permitted Usage | Animal Feed, Fodder, Vaccines, Medicines, Purchase of New Cattle |
| Disbursement Method | Digital Livestock Card usable at Registered Suppliers |
| Cash Withdrawal | Not allowed to prevent misuse |
Required Documents for Registration 2025:
| Document | Purpose |
|---|---|
| CNIC (Computerized National Identity Card) | Identity Verification |
| Proof of Livestock Ownership | Vaccination Card / Livestock Officer Certificate |
| Mobile Number (Registered on CNIC) | For SMS & Verification |
| Recent Photograph (Optional) | For Digital Profile |
| Bank Account (If Required Later) | For Installment Deduction |
Application Process for Punjab Livestock Card Scheme 2025:
Follow the steps below to apply for the CM Punjab Livestock Card Phase 2 and receive up to Rs 540,000 subsidized loan for cattle and animal feed.
Step 1: Submit Your Initial Registration
You can begin your application through any one of the following:
| Method | How to Apply |
|---|---|
| SMS | Type PLC [space] CNIC Number → Send to 8070 |
| Helpline | Call 9211 or 08000-9211 and provide your details |
| Online Portal | Visit https://plc.punjab.gov.pk/ and fill out the registration form |
| Livestock Office / Bank Branch | Visit your nearest office with CNIC and animal ownership proof |
Step 2: Verification by Livestock Department
After registration, a Livestock Officer may inspect your animals or verify ownership through vaccination records or local database.
Step 3: Bank Verification & Credit Assessment
Your details will be forwarded to the partner bank for financial verification. If you meet the eligibility criteria (no previous loan default, correct documentation), your loan limit will be approved.
Step 4: Issuance of Punjab Livestock Card
Once approved, you will receive a Digital Livestock Card — similar to an ATM or credit card. This card will contain your approved loan balance, which can be used only at authorized feed stores and veterinary suppliers.
Step 5: Purchase & Repayment
- You can purchase feed, medicine, or animals using the Livestock Card.
- The government pays 25% subsidy directly on feed purchases.
- You will repay the remaining loan in easy monthly or seasonal installments.
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Benefits for Small & Women Farmers 2025:
✔ Collateral-free financing — No land or property guarantee required
✔ Interest-free or low-markup loan — Designed to be affordable
✔ 25% subsidy on animal feed — Reduces monthly expenses
✔ Easy installments — Payback according to milk income cycle
✔ Women & Widows prioritized — Special quota for female farmers
✔ Protection from loan sharks and private lenders — No exploitation
✔ Boosts milk production & income stability — Long-term benefits
Repayment & Installment Policy 2025:
The repayment system is flexible and farmer-friendly:
| Repayment Type | Details |
|---|---|
| Installment Cycle | Monthly or Seasonal (Based on Milk Sale Income) |
| Payment Mode | Digital Deduction via Livestock Card |
| Penalty for Delay | Minor service fee (Depends on bank) |
| Early Repayment Option | Available with zero penalty |
| Default Risk | Card may be temporarily blocked if unpaid |
The government aims to support farmers, not burden them — so installment plans are kept manageable.
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FAQs CM Punjab Livestock Card Scheme Phase 2 Registration 2025:
Q1. Is this scheme available in all districts of Punjab?
Yes, Punjab Livestock Card Phase 2 is available across all districts of Punjab.
Q2. Can I apply without owning any livestock?
No. At least one cow or buffalo is required to prove active farming.
Q3. Can women apply for this loan?
Yes, women farmers, widows, and female livestock owners are encouraged and prioritized.
Q4. Is this loan interest-free?
Yes, it is interest-free or low-markup, depending on the partner bank.
Q5. Can I use the loan for anything else?
No, the loan is only for livestock-related purposes like feed, medicine, or purchasing animals.
Q6. How long does approval take?
It usually takes 1–2 weeks after verification of livestock ownership.
Q7. Can I apply if I already have a Kisan Card or BISP registration?
Yes, and BISP/Kisan Card holders may get faster approval.
Q8. Will I get cash in hand?
No, the amount is added to a digital livestock card and can only be used at authorized shops.
Q9. What happens if I miss an installment?
Your card may be temporarily blocked, but you will be given a grace period to continue repayment.
Q10. Is there any fee to apply?
No. Registration via SMS, helpline, and portal is free.
Conclusion:
The CM Punjab Livestock Card Scheme Phase 2 is one of the most impactful rural financing programs introduced under Chief Minister Maryam Nawaz Sharif’s leadership. By offering Rs 540,000 subsidized loan with a 25% feed subsidy, the government has taken a major step toward supporting dairy farmers and strengthening the livestock economy of Punjab. Unlike traditional bank loans that involve lengthy documentation and high interest rates, this card ensures easy access to funds without collateral, making it highly farmer-friendly.
The success of Phase 1 shows that farmer income increases significantly when financial burden is reduced. By covering feed expenses and enabling cattle purchases, this scheme empowers farmers to expand milk production, improve livestock health, and generate consistent income. It also helps reduce reliance on middlemen and loan sharks who often exploit rural farmers.
The government has placed special focus on women farmers and widows, ensuring that female livestock owners are given fair access to financial tools. This will not only support rural households but also promote gender inclusion in agriculture. The repayment system is equally considerate, allowing farmers to pay according to their income cycle rather than strict bank rules.
Whether you own one buffalo or a small herd, this scheme is an excellent opportunity to stabilize and grow your livestock business. If you meet the eligibility criteria, you should apply immediately through SMS or online portal to secure your slot in Phase 2.
