Kisan Card Phase 2 Online Registration | Complete Guide for Farmers
Punjab Government has launched Phase 2 of the Kisan Card program with improved features and better benefits for farmers across the province. If you are a farmer in Punjab and own agricultural land, this guide will help you understand everything about the new updates, registration process, and how to repay and reuse the loan.
Key Highlights of the Punjab Cabinet’s Decisions
The Punjab Government has expanded the eligibility and loan amount for Kisan Card holders:
Increased Land Limit for Loan Eligibility:
- Earlier: Farmers with 1 to 12.5 acres of land were eligible.
- Now: Farmers owning up to 25 acres can apply.
Double Loan Limit:
In a significant decision, the Cabinet also mandated that flour mills must ensure the procurement of 25% of wheat from local farmers. This move is aimed at creating a direct link between farmers and flour mills, ensuring that farmers have a consistent market for their wheat.
- Before: Maximum loan was Rs. 150,000 (for 5 acres).
- Now: Farmers can get loans for up to 10 acres, amounting to Rs. 300,000.
No Hidden Deductions:
- Previously, a fee of Rs. 1,000 per acre was deducted from the approved loan.
- Example: If a loan of Rs. 150,000 was approved, only Rs. 145,000 was credited.
- Now, the full approved amount will be transferred to your account, no cuts.
Special Offer: Pay Now, Get More
• If you have already taken a loan on Kisan Card in the previous season, repay before April 30, 2025.
• Benefit: On May 1, 2025, your new loan amount will be automatically transferred into your Kisan Card account.
Updated Loan Rate for Current Season
• Previous Season: Rs. 30,000 per acre
• This Season: Rs. 40,000 per acre
This means, if you have 10 acres of land, you can now receive up to Rs. 300,000.
Easy Ways to Repay the Loan
The Punjab Government has introduced multiple payment options to avoid long queues and delays:
- ATM: Repay via any ATM using your debit card (keep the receipt as proof).
- Bank of Punjab: Visit any nearby branch for payment.
- Mobile Banking Apps: Use apps like Easypaisa, JazzCash, or your bank’s app for repayment.
- Fund Transfer from Any Debit Card: Quick and secure.
Conclusion
The new phase of the Kisan Card program brings better opportunities, higher limits, and ease of repayment for farmers across Punjab. Whether you are a small farmer or own a bigger piece of land, this scheme ensures financial support with simple procedures.
FAQS
Who is eligible for Kisan Card Phase 2?
Farmers in Punjab owning between 1 to 25 acres of land are eligible.
What is the maximum loan i can get?
You can get Rs. 40,000 per acre, up to a maximum of Rs. 300,000 (for 10 acres).
Is there any deduction from the loan amount?
No. The full amount will now be credited to your account.
What happens if I repay my loan before April 30?
Your next season’s loan will be credited automatically after May 1.
Can I apply online for Kisan Card?
Currently, data is uploaded manually at the Agriculture Extension Office. Online portals may be introduced later.