The Punjab Government has issued a final warning to all farmers under the Kisan Nawaz Card Program, announcing that Punjab Govt to Block Kisan Cards after October 31, 2025, if dues are not cleared in time.
This strict action, part of the Punjab Govt Kisan Card Block 2025 campaign, is aimed at promoting financial discipline among farmers who have availed interest-free agricultural loans. The program—launched under the leadership of Chief Minister Maryam Nawaz Sharif—was designed to help farmers purchase fertilizers, seeds, and pesticides easily.
However, to maintain the integrity of the scheme, the government has made it mandatory for all beneficiaries to repay their used loan amounts by the given deadline.
What Is the Punjab Kisan Nawaz Card?
The Kisan Nawaz Card is a digital agriculture financing tool developed by the Punjab Government in partnership with the Bank of Punjab (BOP).
It allows registered farmers to access interest-free seasonal loans, purchase agricultural inputs digitally, and receive subsidies directly from the Agriculture Department of Punjab.
🔹 Key Benefits of the Kisan Card:
Interest-free loans up to Rs. 150,000 per crop season.
Useable for purchasing fertilizers, seeds, and pesticides.
Linked to BOP digital system for secure, transparent payments.
Eligible farmers also get access to government subsidy schemes.
This initiative has benefited thousands of small farmers across Punjab, helping them boost productivity and reduce dependence on informal credit sources.
October 31 Deadline – The Final Date to Repay Dues
The Punjab Agriculture Department has clearly stated that October 31, 2025, is the final date for all Kisan Card users to repay their outstanding amounts.
After this date, the system will automatically block all unpaid cards, making them ineligible for future use.
Farmers are advised to visit their nearest Bank of Punjab branch or use the E-Pay Punjab platform to repay their loan amount before the cutoff date.
Why the Government Is Blocking Kisan Cards
The Punjab Govt Kisan Card Block 2025 measure is being implemented to ensure transparency, accountability, and the effective use of public funds. Many farmers failed to repay loans from previous crop cycles, which affected the availability of funds for new applicants.
By enforcing the repayment deadline and blocking defaulters, the government aims to:
🔸 Encourage timely repayment behavior.
🔸 Prevent misuse of the Kisan Card scheme.
🔸 Recycle funds for new, deserving farmers.
🔸 Ensure transparency and fairness in loan distribution.
This policy will strengthen Punjab’s digital agriculture financing ecosystem, paving the way for future subsidy programs.
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How to Repay Your Kisan Card Dues
Farmers can repay their dues easily using one of the following methods:
1️⃣ At Bank of Punjab Branches
Visit any BOP branch with your Kisan Card or CNIC.
Ask the staff to assist you with the repayment process.
Deposit the total used amount and collect your receipt.
2️⃣ Through BOP Mobile Banking App
Log in to the BOP Digital App.
Select “Loan Repayment” → “Kisan Card Loan.”
Enter your Kisan Card number and repay directly from your account.
3️⃣ Using E-Pay Punjab Portal
Visit epay.punjab.gov.pk.
Choose the “Agriculture” category.
Select “Kisan Card Repayment.”
Pay through debit card, Easypaisa, or JazzCash.
Consequences of Not Repaying on Time
If farmers fail to clear their dues by October 31, 2025, the following penalties will apply:
❌ Immediate card blocking – You won’t be able to use your Kisan Card for purchases or new loans.
🚫 Ineligibility for subsidies – You’ll lose access to programs like the Green Tractor Scheme and Farm Mechanization Subsidy.
💸 Penalties on delayed payments – Repeated defaulters may face deductions from future subsidies.
🧾 Permanent disqualification – Continued negligence can lead to permanent suspension from government loan programs.
This decision ensures that government resources benefit genuine, responsible farmers who use and return funds on time.
Benefits of Repaying on Time
Farmers who repay their loans before the October 31 deadline will enjoy several benefits:
✅ Continued access to interest-free loans.
✅ Eligibility for future agriculture subsidy schemes.
✅ Improved relationship with Bank of Punjab.
✅ Automatic reactivation of card after payment confirmation.
✅ Inclusion in priority list for upcoming government programs.
Repayment before the deadline also helps maintain a healthy financial profile, making farmers eligible for higher financing limits in future crop seasons.
Government’s Official Statement
According to an official spokesperson from the Punjab Agriculture Department,
“Farmers are the backbone of Punjab’s economy. We are committed to supporting them through transparent and accountable systems. However, those who fail to fulfill repayment obligations cannot continue to benefit from public funds.”
The department also confirmed that the Kisan Card monitoring team is actively tracking repayment compliance through digital records in partnership with BOP and PITB (Punjab Information Technology Board).
How This Step Strengthens Digital Agriculture
The Punjab Govt Kisan Card Block 2025 initiative is part of the government’s broader Digital Agriculture Vision, focusing on technology-driven financial systems.
Key outcomes expected from this policy include:
🔹 Reduced fraud and duplication.
🔹 Streamlined distribution of agricultural credit.
🔹 Transparent subsidy transfers through digital channels.
🔹 Improved loan recovery ratio for the provincial treasury.
This reform will also align Punjab’s agriculture sector with the CM’s “Smart Agri Punjab” 2030 roadmap—promoting sustainable and data-driven growth.
Kisan Card & Future Schemes Connection
Farmers who repay their dues on time will automatically qualify for:
🌾 Punjab Green Tractor Scheme (Phase 2)
🚜 High-Tech Farm Mechanization Program
💧 Solar Tube Well Financing 2026
🐄 Livestock Card Subsidy Scheme
🌱 Agri Innovation Loans under BOP and ZTBL
Thus, repayment isn’t just a requirement — it’s your ticket to future agricultural opportunities and financial benefits.
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Step-by-Step Example
Suppose a farmer used Rs. 100,000 from the Kisan Card for fertilizer and seeds in April 2025.
If that amount isn’t repaid by October 31, the card will automatically be blocked on November 1.
Once the farmer repays the amount in full, the system will reactivate the card within 48 hours, allowing them to access new financing for the next Rabi season.
Helpline & Support Channels
Farmers can contact the following support lines for assistance:
📞 Agriculture Department Punjab Helpline: 0800-17000
🏦 Bank of Punjab Customer Care: 111-267-200
🌐 Official Portal: agripunjab.gov.pk
💬 E-Pay Punjab: epay.punjab.gov.pk
Available 8:00 AM – 8:00 PM (Monday to Saturday).
Government’s Long-Term Vision for Farmers
Chief Minister Maryam Nawaz Sharif has reiterated her vision of a digitally empowered, self-reliant, and prosperous farming community.
The Kisan Card system is not merely a loan tool—it’s a gateway to modern agriculture, offering financial inclusion, digital transparency, and direct empowerment of farmers.
The Punjab Govt Kisan Card Block 2025 policy is a crucial step to make sure only honest and responsible farmers benefit from these programs.
Final Advice to Farmers – Punjab Govt to Block Kisan Cards After October 31
If you’re a Kisan Card holder, don’t wait until the last day. Repay your dues now through any of the available channels and secure your eligibility for upcoming schemes.
Remember:
“Timely repayment today guarantees subsidy benefits tomorrow.”
By meeting the October 31 deadline, you’ll help build a transparent, fair, and progressive agricultural ecosystem in Punjab.
FAQs – Punjab Govt Kisan Card Block 2025
1. What is the last date to repay the Kisan Card loan?
The last date to repay dues is October 31, 2025.
2. What happens if I don’t repay on time?
Your Kisan Card will be blocked, and you’ll be disqualified from future government subsidy schemes.
3. Can I repay online?
Yes, repayment can be made through BOP Mobile App or E-Pay Punjab.
4. How long will it take for my card to reactivate after repayment?
Your Kisan Card will be reactivated within 48 hours of repayment confirmation.
5. What is the helpline number for assistance?
You can contact 0800-17000 (Agriculture Department Punjab).
