The Punjab government has updated the Kisan Card program for April 2026 with a specific repayment window from April 15 to May 15, 2026, and farmers who repay their interest-free loans by April 30 qualify for the Rs23 billion diesel subsidy package.
What you will learn from this guide:
- Exact Kisan Card bill payment deadlines and the April 30 early eligibility cutoff
- Five different payment methods including BOP branches, ATMs, dgBOP app, EasyPaisa, and JazzCash
- Penalties for late payment and the card reactivation process
- How to check your Kisan Card payment status and verify successful transactions
- The Rs23 billion wheat support package and reward program for timely payers
Key Takeaways
- April 30 Early Cutoff: Farmers who repay their Kisan Card bill by April 30, 2026 unlock access to the Rs23 billion diesel subsidy and next-season eligibility.
- Full Repayment Required: There is no minimum payment option. You must repay the full outstanding amount (up to Rs150,000) to restore your credit limit for the next crop cycle.
- Five Payment Channels Available: You can pay your Kisan Card bill through BOP branches, BOP ATMs, dgBOP mobile app, 1Bill via partner banks, or mobile wallets like EasyPaisa and JazzCash.
- Late Payment Penalty: Missing the May 15, 2026 deadline results in a penalty, automatic card suspension, and disqualification from all subsidy programs including the wheat support package.
- Read More: Kisan Card Apply | Kisan Card Eligibility Punjab Farmers
- Read More: Diesel Subsidy Scheme (For Farmers) – Rs 150/L Subsidy by Maryam Nawaz
- Read More: Diesel Subsidy Scheme (Rs. 150/Liter) – Fuel Subsidy App
- Read More: Sindh Govt Petrol Subsidy Scheme – Petrol Subsidy App
Kisan Card – Payment Update April 2026 (Kisan Card Bill Payment)
Table Of Contents
Kisan Card April 2026 Payment Update: Key Dates and Deadlines
The Kisan Card repayment window for April 2026 officially opens on April 15 and closes on May 15, 2026, with an early payment cutoff on April 30 to qualify for the Rs5,000 per acre support package and the Rs23 billion diesel subsidy program.
What is the last date to pay the Kisan Card bill in April 2026?
The final deadline for Kisan Card bill payment in April 2026 is May 15, 2026. This date marks the end of the standard six-month loan term that began when the card was issued for the previous cropping season. Farmers must ensure their payment is completed and verified by this date to avoid penalties. The repayment schedule follows the agricultural calendar, not the banking calendar, aligning with the harvest season when farmers have received income from their crops.
Key deadline milestones:
- April 15, 2026: Repayment window officially opens. Farmers can begin making payments at any BOP branch, ATM, or digital channel.
- April 30, 2026: Early eligibility cutoff. Payments completed by this date qualify for:
- Next phase eligibility for the upcoming Kharif season
- Rs5,000 per acre wheat support package
- Entry into the reward campaign for tractors, Umrah tickets, and gold coins
- May 15, 2026: Final payment deadline. No extensions are granted beyond this date.
- June 15, 2026: End of the one-month grace period. After this date, penalties are applied.
How does the grace period work for the April 2026 cycle?
The Kisan Card provides a one-month grace period after the standard six-month loan term, extending from May 15 to June 15, 2026. During this grace period, farmers can still make payments without immediate penalties, but they lose eligibility for all early payment incentives including the wheat support package and reward program. The grace period is designed to accommodate farmers who may face temporary cash flow issues immediately after harvest. However, farmers who pay during the grace period do not qualify for the Rs23 billion diesel subsidy or the tractor/Umrah ticket reward draws.
What is the April 30 cutoff for the next Kharif season?
The April 30 cutoff is the most critical date for farmers who want to continue receiving benefits under the CM Punjab Kisan Card program. Payments made before May 1 ensure continued eligibility for the next crop season. This means farmers who pay by April 30 are automatically considered for the next loan cycle without needing to reapply or undergo fresh verification. The cutoff also determines access to the Rs23 billion “Kissan Diesel Subsidy Program” launched by the Punjab government, which provides direct financial assistance to wheat growers for diesel used during land preparation, sowing, and irrigation.
How to Pay Your Kisan Card Bill: Complete Step-by-Step Guide
You can pay your Kisan Card bill through five distinct channels: Bank of Punjab (BOP) branches, BOP ATMs, the dgBOP mobile app, 1Bill via partner banks, or mobile wallets like EasyPaisa and JazzCash.
How to Pay via Bank of Punjab (BOP) Branches
Paying your Kisan Card bill at a physical BOP branch requires your CNIC, your 16-digit Kisan Card number, and the loan amount you wish to repay. Visit any of the 650+ Bank of Punjab branches across Punjab. Inform the bank officer that you want to make a Kisan Card bill payment. The officer will ask for your Kisan Card number and CNIC to pull up your outstanding balance.
Step-by-step branch payment process:
- Bring your original CNIC and your physical Kisan Card (if available)
- Request a loan repayment challan form from the counter
- Write your 16-digit Kisan Card number clearly on the challan
- The bank officer will verify your information and confirm the outstanding amount
- Pay the full amount in cash or via your bank account
- Receive a stamped payment receipt as proof of transaction
- Keep this receipt until you receive SMS confirmation of payment
How to Pay via BOP ATM (Step-by-Step)
Can I pay my Kisan Card bill through a BOP ATM?
Yes, you can pay your Kisan Card bill at any Bank of Punjab ATM using any bank’s debit card. The ATM payment method is available 24/7 and does not require visiting a branch during banking hours.
Step-by-step ATM payment instructions:
- Insert your debit card (from any bank) into the BOP ATM
- Enter your debit card PIN
- Select “Bill Payment” from the main menu
- Choose “Kisan Card” or “Agriculture Loan Payment” from the biller list
- Enter your 16-digit Kisan Card number exactly as it appears on your card
- The ATM screen will display your outstanding balance
- Confirm the amount and complete the transaction
- Collect the printed receipt which includes your Transaction ID (TID)
How to Pay via dgBOP Mobile App and Internet Banking
What is the 16-digit number required for Kisan Card bill payment?
The 16-digit number is the unique identifier printed on your physical Kisan Card. This number links directly to your loan account and is required for all digital payment methods. If you have lost your physical card, you can find this number on your original card issuance SMS or by calling the BOP helpline.
Using the dgBOP mobile app:
- Download the dgBOP app from Google Play Store or Apple App Store
- Register using your CNIC and mobile number registered with BOP
- Log in and navigate to “Bill Payments” section
- Search for “Kisan Card” or “CM Punjab Kisan Card”
- Enter your 16-digit Kisan Card number
- The system will fetch your outstanding balance
- Confirm the payment and authenticate using your MPIN or biometric
- Save or screenshot the confirmation screen
Using 1Bill in any banking app:
Many banks in Pakistan support the 1Bill service for Kisan Card payments. Open your bank’s mobile app, go to “Bill Payments” or “1Bill”, search for “Kisan Card” or “CM Kissan Card” as the biller, enter your 16-digit Kisan Card number, and complete the payment using your account balance.
Read More: Sasta Petrol Subsidy Scheme – Petrol Subsidy For Bikers
Can I pay my Kisan Card bill through EasyPaisa or JazzCash?
Yes, both EasyPaisa and JazzCash support Kisan Card bill payments. These mobile wallets are accessible to farmers who may not have a traditional bank account. However, transaction limits apply, and farmers with larger loans (up to Rs150,000) may need to make multiple payments or use alternative methods.
EasyPaisa payment steps:
- Open the EasyPaisa app on your mobile phone
- Select “Bill Payments” from the main dashboard
- Search for “Kisan Card” or “CM Kissan Card”
- Enter your 16-digit Kisan Card number
- The app will display your outstanding balance
- Confirm the amount and complete payment using your EasyPaisa account balance
JazzCash payment steps:
- Open the JazzCash app
- Navigate to “Pay Bills” section
- Select “Government” or “Agriculture” category
- Find “Kisan Card” in the biller list
- Enter your 16-digit Kisan Card number
- Verify the outstanding amount and complete the transaction
Is there a minimum payment option, or must I pay the full amount?
Full repayment is mandatory for loan closure under the Kisan Card program. There is no minimum payment option or partial payment facility. The Kisan Card operates on a seasonal loan cycle, meaning the entire borrowed amount must be repaid before a new loan can be issued for the next season. Partial payments do not restore the full Rs150,000 credit limit. Farmers who cannot pay the full amount by the deadline must pay the entire outstanding balance during the grace period to avoid penalties and have their card reactivated.
Verification, Status Check, and Troubleshooting Payments
After payment, the system takes up to 24 hours to automatically verify the transaction and restore your card’s credit limit, provided you have paid the full outstanding balance.
How can I verify if my payment was successful?
The Punjab Agriculture Department sends an automatic SMS confirmation to your registered mobile number within 24 hours of successful payment verification. This SMS confirms that your Kisan Card loan has been cleared and your card is ready for the next season. Additionally, you can check your Kisan Card payment status online through the digitalkissan.bop.com.pk portal or by calling the helpline at 0800-17000.
Ways to verify your payment status:
- SMS confirmation: Wait for the automated message from the Agriculture Department
- Online portal: Visit the BOP Kissan Portal, enter your CNIC, and view your payment status
- Helpline call: Call 0800-17000 and provide your CNIC to an operator
- BOP branch visit: Ask any BOP branch to check your loan status using your CNIC
How long does it take for the limit to restore after payment?
The standard processing time for Kisan Card credit limit restoration is 24 hours after payment verification. Once the system confirms that the full outstanding amount has been received, your card’s limit is automatically reset to the maximum eligible amount (up to Rs150,000) for the next cropping season.
Is the Rs150,000 limit automatically renewed after repayment?
Yes, for farmers with a clean repayment history, the Rs150,000 credit limit is automatically renewed after full repayment. Farmers who consistently pay on time may become eligible for increased limits in future phases. The automatic renewal applies only to farmers who have completed payment by the April 30 early cutoff. Those who pay during the grace period (May 15 to June 15) may face delays in limit restoration and may need to reapply for the next season.
What should I do if my payment is deducted but not updated?
Payment failures or delays in status updates can occur due to technical issues, incorrect Kisan Card number entry, or bank processing delays. If your payment has been deducted from your account but the Kisan Card system still shows an outstanding balance, follow these steps.
Troubleshooting steps for payment issues:
- Save the Transaction ID (TID) from your payment receipt immediately after paying
- Wait 24 hours before taking action, as system updates may take time
- Call the BOP helpline at 042-111-333-267 with your TID and CNIC
- Visit your nearest BOP branch with your payment receipt and CNIC
- Request a manual reconciliation of your payment
- Keep all receipts until you receive official SMS confirmation
Why is my Kisan Card showing an “Invalid Account” error during payment?
The “Invalid Account” error typically indicates a mismatch between the information you entered and the data in the system. Common causes include an incorrect 16-digit Kisan Card number, a CNIC that does not match the cardholder’s record, an expired Kisan Card, or SIM ownership verification failure through the Pakistan Mobile Device Verification (PMD) system.
How to fix the error:
- Double-check that you are entering the correct 16-digit Kisan Card number
- Ensure your mobile SIM is registered against your own CNIC (PMD verified)
- Verify that your Kisan Card has not expired (check the VALID date on the card)
- If the error persists, visit the BOP branch that issued your card for manual assistance
Penalties and Consequences of Late or Non-Payment
Failure to repay the Kisan Card loan by May 15, 2026, results in an automatic suspension of the card, a penalty on the outstanding amount, and immediate disqualification from the Wheat Support Package and all other subsidy programs.
Will my Kisan Card be blocked if I don’t pay by May 2026?
Yes, your Kisan Card will be automatically deactivated if payment is not completed by May 15, 2026. A blocked card cannot be used for any transactions, including purchasing fertilizers, seeds, or diesel. Additionally, a blocked card disqualifies you from accessing the Rs23 billion diesel subsidy program, the wheat support package, and all other benefits linked to the Kisan Card. The card remains blocked until all outstanding dues, including any penalties, are cleared in full.
Is there a penalty or fine for late repayment of the Kisan Card loan?
Yes, farmers who fail to repay by the final deadline face a penalty on the outstanding amount. While the Kisan Card loan itself is interest-free, late payment incurs a penalty designed to encourage timely repayment and ensure the sustainability of the program. The penalty is applied after the one-month grace period ends on June 15, 2026.
Penalty breakdown:
- Late payment penalty applies to the full outstanding balance
- The penalty accrues monthly until the full amount is cleared
- No penalty applies during the grace period (May 15 to June 15)
- Penalty rates are lower than standard commercial loan interest rates
What happens if a farmer defaults on the Kisan Card payment?
Default occurs when a farmer fails to make any payment for an extended period after the grace period ends. The Kisan Card system is linked to the Punjab Land Record Authority (PLRA), so default is recorded against the farmer’s land ownership record. The bank issues reminder notices initially. If no payment is made, the account is declared a Non-Performing Asset (NPA), which severely impacts the farmer’s credit history and ability to access any future government schemes or bank loans.
What is the Kisan Card Reactivation Process 2026?
To reactivate a suspended Kisan Card, farmers must pay all outstanding dues along with any accrued penalties. After payment, the system requires 48 to 72 hours to process the reactivation. Farmers must also undergo re-verification of their land records at their local Tehsil office to ensure the land ownership details are still valid and up to date in the PLRA system.
Reactivation steps:
- Pay the full outstanding amount plus any penalties at a BOP branch
- Obtain a stamped payment receipt and keep it safe
- Visit your local Tehsil office to verify your land records
- Wait 48 to 72 hours for system processing
- Call the helpline at 0800-17000 to confirm reactivation
- Your card will be usable again for the next season if you meet all criteria
Financial Benefits and the Rs23 Billion Wheat Support Package
Kisan Card holders who repay their loans by April 30, 2026, unlock access to the Rs23 billion Wheat Support Package, providing Rs1,500 per acre for diesel and Rs5,000 per acre cash assistance directly into their Kisan Card accounts.
Is the April 2026 update related to the Wheat Support Package?
Yes, the April 2026 payment update is directly linked to the Wheat Support Package. The Punjab government launched a mega “Kissan Diesel Subsidy Program” worth Rs23 billion aimed at providing financial relief to wheat growers across the province. Farmers who own up to 25 acres of land are eligible for this assistance. More than 800,000 Kisan Card holders receive direct financial assistance in their bank accounts, ensuring transparent and timely disbursement of funds. The program benefits nearly 4 million farmers, making it one of the largest agricultural support initiatives in the province.
Wheat Support Package details:
- Rs23 billion total budget for the diesel subsidy program
- Rs1,500 per acre subsidy for diesel used in wheat cultivation
- Rs5,000 per acre cash assistance for eligible farmers
- Covers land preparation, sowing, and irrigation stages
- Registration available via helpline 1000 or online portal
Does the CM Punjab offer any discount on early repayments?
While there is no direct discount on the loan amount itself (since the loan is already interest-free), early repayment by April 30 qualifies farmers for priority access to the “Kissan Diesel Subsidy Program” and inclusion in the Reward Scheme that offers prizes including tractors, Umrah tickets, gold coins, and smartphones. The earlier a farmer pays, the bigger the rewards.
Reward program structure:
- Within 5 days of window opening: Eligible for Umrah Ticket, Tractor, Motorcycle, Gold Coins, Modern Smartphone
- Within 10 days: Eligible for Tractor, Motorcycle, Gold Coins, Modern Smartphone
- Within 15 days: Eligible for Gold Coins, Modern Smartphone
How does the Kisan Card support the 2026 Kharif season?
For the 2026 Kharif season (May to October), the Kisan Card has been expanded to support additional services including tractor rentals and solar tube-well maintenance. Farmers can use 30% of their loan amount as cash for urgent needs (up to Rs45,000). The remaining 70% must be used at registered agricultural dealers for purchasing fertilizers, seeds, pesticides, and diesel. Over 850,000 farmers have already registered for the program.
Registration, Eligibility, and Card Management
To register for the CM Punjab Kisan Card 2026, farmers must send an SMS with “PKC space CNIC number” to 8070 from their own SIM-registered mobile number, followed by digital verification through NADRA, PMD, and PLRA.
How to apply for the Kisan Card Online in 2026
The Kisan Card application process is entirely digital and requires no office visits until card collection. Farmers can apply via SMS or through the online portal.
SMS registration method (for farmers without internet):
- Open the SMS app on your mobile phone
- Type: PKC (space) Your 13-digit CNIC number
- Send to 8070
- Wait for confirmation SMS
- You will receive updates at every verification stage
Online portal registration method:
- Visit the official Punjab Agriculture website: agripunjab.gov.pk
- Click on “Kisan Card Apply Online 2026”
- Enter your CNIC and mobile number registered in your name
- Complete the online form with your personal and land details
- Submit the application and receive a tracking number via SMS
What are the Kisan Card eligibility criteria for 2026?
The eligibility criteria for the CM Punjab Kisan Card ensure that benefits reach genuine farmers. All criteria must be met for approval.
Complete eligibility checklist:
- Must be a permanent resident of Punjab province
- Must own or cultivate agricultural land between 1 acre and 25 acres
- Land record must be available and verified in the PLRA system
- Valid CNIC registered with NADRA
- Mobile SIM must be registered against the farmer’s own CNIC (PMD verified)
- No defaulted agricultural loans or pending dues from previous cycles
How to check Kisan Card status online by CNIC
Farmers can check their Kisan Card application status, balance, and payment status through multiple channels.
Kisan Card check online by CNIC methods:
- Visit digitalkissan.bop.com.pk and enter your 13-digit CNIC
- Send an SMS with your CNIC to 8070 to receive status updates
- Call the helpline at 0800-17000 and provide your CNIC to an operator
- Use the dgBOP mobile app to view your card status and transaction history
Kisan Card balance check options:
- SMS: Send your CNIC to 8070 to receive balance information
- ATM: Insert any debit card, select balance inquiry, and enter your Kisan Card number
- Mobile app: Log into dgBOP or your bank’s app to view your loan balance
- Helpline: Call 0800-17000 for balance information
Kisan Card Helpline number and Support
Two helplines are available for Kisan Card support: one for general inquiries and payment verification, and one specifically for card activation issues.
Support contact information:
- Agriculture Department Helpline: 0800-17000 (8 AM to 8 PM, daily)
- BOP Card Activation Helpline: 042-111-333-267 (for new card activation issues)
Advanced Topics: Loans, Limits, and Digital Payments
The Kisan Card offers a maximum interest-free loan of Rs150,000 per season, which can be utilized entirely for agricultural inputs such as DAP, Urea, and certified seeds.
Can I increase my credit limit by paying earlier than the deadline?
Yes, farmers who consistently repay their loans before the deadline build a positive credit history that may lead to increased credit limits in future phases. The government has announced that farmers with clean repayment records will be prioritized for higher limits (up to Rs300,000) in Phase III of the program. Early repayment also qualifies farmers for the reward program and ensures automatic renewal without reapplication.
Do I need to show my CNIC at the bank during repayment?
Yes, biometric verification is mandatory for all Kisan Card transactions, including repayment. When paying at a BOP branch, you must present your original CNIC. The bank officer will verify your identity through the NADRA biometric system. This requirement prevents fraud and ensures that only the authorized cardholder can make payments or changes to the account.
Can someone else pay the bill on behalf of the cardholder?
Yes, a third party can pay the Kisan Card bill on behalf of the cardholder. However, the paying person must bring a copy of the cardholder’s CNIC and the 16-digit Kisan Card number. The bank will record the transaction against the cardholder’s account, but the payment receipt will show the name of the person who made the payment. The cardholder will still receive SMS confirmation of the payment.
Is a bank challan required for manual payment at the bank?
Yes, for manual over-the-counter payments at BOP branches, a bank challan is required. The bank officer generates the challan using your Kisan Card number. You then take the challan to the cash counter, pay the amount, and receive a stamped copy as proof. Keep this stamped challan until you receive SMS confirmation of payment.
Are there any service charges for paying the bill online?
Service charges for online payments vary by method. Payments made through the dgBOP app and BOP ATMs typically have no service charges. Payments made through other banks’ apps via 1Bill may incur nominal inter-bank transaction fees (usually Rs25 to Rs50). EasyPaisa and JazzCash transactions may have fees depending on the amount and the user’s account type. BOP branch payments have no service charges.
Common Queries and Troubleshooting (FAQ Style)
This section addresses the most frequent technical and procedural errors reported by farmers during the April 2026 payment cycle.
What is the Kisan Card balance check number Pakistan?
The official SMS shortcode for Kisan Card balance inquiry is 8070. Send your CNIC number to 8070 to receive your current outstanding balance, payment status, and next due date. This service is available to all registered farmers regardless of mobile network.
How do I get a payment receipt for my records?
Payment receipts are available through all payment channels. At BOP branches, you receive a stamped challan. At ATMs, you receive a printed slip with a Transaction ID. Through mobile apps, you can screenshot the confirmation screen or download a PDF receipt. Always keep your receipt until you receive official SMS confirmation from the Agriculture Department.
What is the repayment schedule for small farmers in Punjab?
The repayment schedule follows the agricultural harvest cycle. Loans are issued at the beginning of a cropping season (Rabi or Kharif). Repayment is expected after harvest, typically falling between April 15 and May 15 for the Rabi season (wheat) and between October 15 and November 15 for the Kharif season (rice, cotton, sugarcane).
Can I pay the Kisan Card bill using the 1Bill in any banking app?
Yes, 1Bill is supported by most major banks in Pakistan including HBL, UBL, Alfalah, MCB, and Faysal Bank. Open your bank’s app, navigate to Bill Payments, select 1Bill, search for “Kisan Card” or “CM Kissan Card”, enter your 16-digit Kisan Card number, and complete the payment.
How to check Kisan Card payment status via SMS
Send your CNIC number to 8070 with the word “STATUS” (example: STATUS 1234567890123). You will receive an automated reply showing your current payment status, outstanding balance (if any), and the last payment date recorded in the system.
Frequently Asked Questions (FAQs)
What is the last date to pay the Kisan Card bill in April 2026?
The final deadline for Kisan Card bill payment is May 15, 2026. However, farmers who pay by April 30 qualify for the Rs23 billion diesel subsidy and other early payment incentives.
Can I pay my Kisan Card bill through EasyPaisa or JazzCash?
Yes, both EasyPaisa and JazzCash support Kisan Card bill payments. Search for “Kisan Card” in the bill payments section and enter your 16-digit Kisan Card number.
Will my Kisan Card be blocked if I don’t pay by May 2026?
Yes, your Kisan Card will be automatically deactivated if payment is not completed by May 15, 2026. A blocked card cannot be used for any transactions until all outstanding dues are cleared.
How can I check my outstanding balance on the Kisan Card?
You can check your balance by sending your CNIC to 8070 via SMS, visiting the BOP Kissan Portal online, using the dgBOP mobile app, or calling the helpline at 0800-17000.
What happens if a farmer defaults on the Kisan Card payment?
Default leads to the account being declared a Non-Performing Asset (NPA), suspension of the card, loss of all subsidy benefits, and negative impact on credit history affecting future loan eligibility.
How long does it take for the limit to restore after payment?
The credit limit is typically restored within 24 hours of payment verification. Farmers who pay by the April 30 cutoff receive automatic renewal for the next season.
Is there a penalty for late repayment of the Kisan Card loan?
Yes, a penalty applies to the outstanding amount if payment is not made by the final deadline. No penalty applies during the one-month grace period from May 15 to June 15.
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