BISP Kafaalat Program Phase 3 2025 Latest Updates

The BISP Kafaalat Program Phase 3 has emerged as a cornerstone of Pakistan’s social welfare landscape, offering a lifeline to millions of low income households, particularly women, across the country. Launched in 2008 under the Benazir Income Support Programme (BISP), this initiative continues to evolve, addressing the challenges of poverty, inflation, and economic instability. As we step into Phase 3 of the BISP Kafaalat Program in 2025, exciting updates, including an increased quarterly payment of Rs. 13,500, expanded coverage, and streamlined processes, are set to empower even more families.

BISP کفالت پروگرام فیز 3 پاکستان کے فلاحی نظام کا ایک مضبوط ستون بن کر سامنے آیا ہے، جو ملک بھر میں لاکھوں کم آمدنی والے خاندانوں، خاص طور پر خواتین، کے لیے امید کی کرن ہے۔ یہ پروگرام 2008 میں بینظیر انکم سپورٹ پروگرام (BISP) کے تحت شروع کیا گیا تھا اور وقت کے ساتھ اس میں مسلسل بہتری کی جا رہی ہے تاکہ غربت، مہنگائی اور معاشی عدم استحکام جیسے چیلنجز کا مؤثر طریقے سے مقابلہ کیا جا سکے۔ 2025 میں فیز 3 کے آغاز کے ساتھ اس پروگرام میں کچھ اہم اپڈیٹس شامل کی گئی ہیں، جن میں سہ ماہی ادائیگی کو بڑھا کر 13,500 روپے کرنا، مزید مستحق خاندانوں کو شامل کرنا

What is the BISP Kafaalat Program Phase 3 Program

The BISP Kafaalat Program is Pakistan’s largest unconditional cash transfer initiative, designed to provide financial assistance to the most vulnerable households, with a focus on empowering women. Its primary goals are to alleviate poverty, mitigate the impact of economic challenges such as inflation, and promote gender equality by prioritizing women as beneficiaries. By offering quarterly payments, the program helps families meet essential needs such as food, healthcare, and education, aligning with Pakistan’s commitment to the United Nations’ Sustainable Development Goals (SDGs).

BISP کفالت پروگرام پاکستان کا سب سے بڑا غیر مشروط مالی امدادی منصوبہ ہے، جو کمزور اور مستحق خاندانوں کو مالی معاونت فراہم کرنے کے لیے شروع کیا گیا، خاص طور پر خواتین کو بااختیار بنانے پر خصوصی توجہ دی گئی ہے۔ اس کا مقصد غربت کا خاتمہ، مہنگائی جیسے معاشی چیلنجز کا مقابلہ کرنا اور صنفی برابری کو فروغ دینا ہے۔ سہ ماہی بنیادوں پر دی جانے والی مالی امداد سے یہ پروگرام مستحق خاندانوں کو خوراک، صحت اور تعلیم جیسی بنیادی ضروریات پوری کرنے میں مدد دیتا ہے، جو کہ اقوام متحدہ کے پائیدار ترقی کے اہداف (SDGs) کے مطابق ایک اہم قدم ہے۔

In 2025, the program has entered its Phase 3, which began on May 26, 2025, bringing significant enhancements to its reach and efficiency. With a budget of Rs. 716 billion allocated for the fiscal year 2025/26, BISP aims to support 10 million families by the end of the year, ensuring broader coverage and increased financial aid to combat rising living costs.

Eligibility Criteria

To qualify for the Kafaalat Program, applicants must meet specific criteria to ensure aid reaches the most deserving families. Here’s a breakdown of the eligibility requirements:

Pakistani Citizenship: Applicants must be residents of Pakistan with a valid Computerized National Identity Card (CNIC).
Low Income Households: The household’s monthly income should be below Rs. 50,000, with a PMT score of 32 or less (or 37 for families with a differently-abled member).
Female Heads of Household: Only ever-married women (widows, divorced, or married) or transgenders with a valid CNIC reflecting their gender are eligible.
NSER Survey Registration: Applicants must be registered in the National Socio-Economic Registry (NSER) database, with accurate and up-to-date information.
No Government Employment: No family member should be a government employee or receive aid from other welfare programs.
Asset Limits: Households must not own multiple properties, large agricultural land, or luxury vehicles.

How to Register for BISP Kafaalat Program Phase 3

Registering for the BISP Kafaalat Program is straightforward, thanks to the government’s efforts to make the process user friendly. Follow these steps to apply:

Check Eligibility Online:
- Visit the official 8171 web portal at 8171.bisp.gov.pk.
- Enter your 13 digit CNIC number and the captcha code displayed on the screen.
- Click the “Check Eligibility” button to view your status.
SMS Verification:
- Send your CNIC number to 8171 via SMS.
- You’ll receive a confirmation message with your eligibility status and payment details.
Visit a BISP Tehsil Office:
- If you’re not registered or your NSER data is outdated, visit the nearest BISP Tehsil Office or NSER Center with the following documents:
  - Valid CNIC.
  - Utility bills or family documents to verify household details.
  - Proof of income or poverty status.
- Complete the NSER survey to update your records.
Biometric Verification:
- Once eligible, you’ll receive an SMS from 8171 confirming your status. Payments are disbursed after biometric verification at designated campsites or banks.

How to Collect BISP Kafaalat Program Phase 3 Payment

BISP Campsites: Visit designated campsites with your CNIC for biometric verification. Payments are available from 8 AM to 5 PM.
ATMs: Use your BISP card at HBL or Bank Alfalah ATMs to withdraw funds.
Mobile Apps: In select regions, link your CNIC to JazzCash or EasyPaisa for digital transfers.
Mobile Teams: For rural or hard to reach areas, BISP mobile teams deliver cash directly to beneficiaries.

Beware of scams! Only use official BISP channels like the 8171 portal, SMS system, or helpline 080026477 to check your status or report issues. Avoid third party agents charging fees for assistance.

Latest Updates for Kafaalat Program Phase 3

The BISP Kafaalat Program Phase 3 introduces several key updates to make the program more accessible and impactful. Here’s what you need to know:

Increased Quarterly Payment: Starting in January 2025, the quarterly stipend has been raised from Rs. 10,500 to Rs. 13,500, providing greater financial relief to beneficiaries. This increase reflects the government’s commitment to supporting families amid inflation and economic challenges.

Expanded Coverage: The program now aims to reach 10 million households by the end of 2025, up from 9.3 million, with 900,000 new families added to the beneficiary list. Additionally, 2.1 million mothers and children will receive nutritional supplements, addressing health and welfare needs.

Improved Payment Systems: To enhance accessibility, BISP has partnered with six banks, including Habib Bank Limited (HBL) and Bank Alfalah, expanding from just two banks previously. Beneficiaries can now withdraw funds from ATMs, BISP campsites, or through mobile apps like JazzCash and EasyPaisa in select regions.

Digital Verification and Transparency: The 8171 web portal and SMS system allow beneficiaries to check their eligibility and payment status in real time, reducing paperwork and long queues. This digital shift ensures transparency and aligns with Pakistan’s vision of inclusive financial access.

Priority for Marginalized Groups: The program prioritizes widows, divorced women, transgenders, and families with differently abled members, with a slightly higher PMT (Proxy Means Test) score of 37 for households with disabilities compared to 32 for others.

BISP Kafaalat Program Phase 3 Benefits

Beyond the Kafaalat Program, BISP offers complementary initiatives to enhance its impact:

Benazir Taleemi Wazaif: Provides conditional cash transfers to encourage school enrollment and reduce dropout rates among children of BISP beneficiaries.
Benazir Nashonuma: Offers nutritional support to 2.1 million mothers and children, addressing malnutrition in vulnerable households.
Benazir Hunarmand Programme: Focuses on skill development and vocational training to empower youth and women.
Ramzan Relief Package 2025: Provides an additional Rs. 5,000 to 4 million eligible women during Ramadan, starting in the first week of the month.

Yeh program na sirf paisay deta hai, balke ghareeb khawateen ko apne ghar ke faislay khud karne ka mauqa bhi deta hai. Rs. 13,500 ki har teen maah baad milne wali raqam se aap apne bachon ki taleem, sehat, aur ghar ke zaruriyaat poori kar sakti hain. 8171 portal aur SMS system ke zariye ab aap ghar baithe apni eligibility check kar sakti hain, jo ke bohat asaan aur transparent hai.

FAQs

What is the payment amount in BISP Kafaalat Program Phase 3?

In BISP Kafaalat Program Phase 3, eligible families are receiving Rs 14,500 quarterly, and those who missed the last installment are being paid Rs 27,000 total in July 2025.

How can I check my eligibility for BISP Kafaalat Program Phase 3 online?

You can check your eligibility for BISP Kafaalat Program Phase 3 by sending your CNIC to 8171 or visiting the official portal at 8171.bisp.gov.pk.

Who is eligible for BISP Kafaalat Program Phase 3 payments?

Women with valid CNICs, low PMT scores (below 32), and no government income are eligible for BISP Kafaalat Program Phase 3. Widows, divorced, and married women managing household expenses are prioritized.

What is the last date to register for BISP Kafaalat Program Phase 3?

As per latest updates, registration and verification under BISP Kafaalat Program Phase 3 must be completed before July 31, 2025 to receive current or double payments.

Conclusion

The BISP Kafaalat Program Phase 3 2025 reflects the government’s strong commitment to empowering underprivileged women and families through reliable financial aid. With improved systems, increased quarterly payments, and inclusive eligibility, the program continues to uplift lives across Pakistan. If you or someone you know qualifies, don’t delay verify your eligibility, update your records, and claim your rightful support. A small step today can lead to long term financial stability for your household.

For the latest updates, visit the website PunjabGovSchemes.pk or follow government announcements