The Benazir Income Support Program (BISP) is an initiative by the Government of Pakistan aimed at providing financial assistance to low-income families, especially those who are financially vulnerable. The program aims to reduce poverty and assist deserving families by offering financial support, which helps them improve their living standards. One of the significant features of the BISP Kafalat program is the quarterly cash payment, which has been increased to Rs. 13,500 starting in 2025. This increase provides much-needed relief for families in need. Beneficiaries can withdraw this amount through designated banks, making it more accessible for people to access their payments easily. This article will guide you on how to withdraw BISP Kafalat funds from participating banks, the eligibility criteria, and the step-by-step process for withdrawal.
| Aspect | Details |
| Eligibility | The applicant must be a Pakistani national with a valid CNIC. |
| Documents Needed | CNIC, Disability Certificate, proof of residence. |
| Payment Amount | Rs. 13,500 per quarter. |
| Withdrawal Mode | Through participating bank ATMs or branches. |
How to Withdraw BISP Kafaalat Payments
Once you are eligible for the BISP Kafalat program and have received your payment, the next step is withdrawing the funds. The process for withdrawing payments from the bank is straightforward and can be done at any of the participating banks. Beneficiaries can access their funds by visiting designated bank ATMs or bank branches. Starting from 2025, the process has been simplified to ensure greater convenience for all BISP recipients.
The withdrawal process begins by visiting any ATM of the participating banks, such as Bank of Punjab, Bank Al-Falah, and Habib Bank Limited. Beneficiaries can insert their BISP-issued card, enter their CNIC number, and use biometric authentication to confirm their identity. Once authenticated, they can access their payment. The payment is available in full, with the recipient withdrawing the total amount of Rs. 13,500 at once, provided the ATM has enough cash.
Participating Banks for BISP Kafalat Withdrawal
BISP Kafalat payments can be withdrawn through several banks across Pakistan. The following is a list of participating banks where beneficiaries can access their funds:
- Bank of Punjab
- Bank Al-Falah
- Habib Bank Limited
- Mobilink Microfinance Bank
- U Microfinance Bank
These banks have partnered with BISP to provide beneficiaries with a reliable and efficient way to access their funds. The process is designed to be user-friendly, and BISP card holders can visit any of these banks to withdraw the payment.
Eligibility Criteria for BISP Kafalat
To receive payments through the BISP Kafalat program, applicants must meet specific eligibility criteria. First and foremost, applicants must be Pakistani citizens and should possess a valid CNIC (Computerized National Identity Card). BISP determines eligibility using a Proxy Means Test (PMT) score. Families with low income, below the established threshold, are eligible to apply for this financial aid. Applicants should not own more than five acres of agricultural land and should not be employed in any government or private job. Furthermore, the family income should not exceed a certain limit, as determined by BISP guidelines.
Benefits of BISP Kafalat
The BISP Kafalat program has been one of the most successful initiatives in Pakistan in terms of poverty alleviation. The increased payment of Rs. 13,500 for 2025 brings several benefits for eligible families. This financial support ensures that recipients have access to a steady income to meet their basic needs, such as food, healthcare, and education.
The program not only provides direct financial assistance but also promotes financial inclusion. By ensuring that the payments are easily accessible through bank withdrawals, BISP is empowering individuals to manage their finances more effectively. Additionally, the program contributes to reducing the gender gap by transferring payments to women, who are often the primary caregivers in many families.
Challenges and Solutions for BISP Kafalat Withdrawal
While the BISP Kafalat program is beneficial for many, some beneficiaries face challenges during the withdrawal process. One common issue is the difficulty in accessing ATMs, especially in remote areas where ATM machines may not be readily available. In such cases, beneficiaries can visit bank branches directly to withdraw their payments. The bank staff is trained to assist BISP recipients and help them complete their transactions efficiently.
Another challenge is the biometric verification process, which may not always work smoothly due to technical issues or physical limitations of the beneficiary, such as poor fingerprint quality. In such cases, the beneficiary can report the issue to the bank or visit the nearest BISP office for further assistance.
Conclusion
The BISP Kafalat program is a vital initiative for helping low-income families across Pakistan, providing them with financial aid to support their daily needs. The increase in the quarterly payment to Rs. 13,500 in 2025 has made the program even more effective in supporting vulnerable communities. By simplifying the withdrawal process and offering payments through multiple participating banks, the program ensures that beneficiaries can access their funds easily and efficiently. While challenges may arise during the withdrawal process, there are systems in place to resolve them, ensuring that the program continues to fulfill its purpose of empowering deserving families.
Also Read: What is the Updated PMT Score Limit for BISP Payments in 2025
FAQs
1. How can I check if I am eligible for the BISP Kafalat program in 2025?
You can check your eligibility by sending your CNIC number to 8171 via SMS, which will inform you about your eligibility status.
2. What should I do if I cannot withdraw my payment from the ATM in 2025?
If you face any issues withdrawing funds, you can visit the bank branch directly for assistance. You can also report any biometric verification problems to the bank for further help.
3. Can I withdraw the full Rs. 13,500 amount at once in 2025?
Yes, you can withdraw the entire payment of Rs. 13,500 in a single transaction, provided the ATM has sufficient cash available.