The Government of Punjab has launched a special initiative called the CM Livestock Card Scheme under the leadership of Chief Minister Maryam Nawaz Sharif. This program is designed to support small livestock farmers by offering interest-free loans to help them buy quality animal feed and improve the health and weight of their animals.
What is the CM Livestock Card Scheme?
The CM Livestock Card Scheme helps farmers by giving them interest-free credit to buy items like:
- Wanda (animal feed)
- Silage
- Mineral mixtures
These inputs are essential for calf fattening and can help farmers increase income and improve animal health.
Key Benefits for Farmers
- Interest-Free Loans: No extra charges on loans.
- Loan Range: From PKR 135,000 to PKR 270,000 (based on 5–10 calves).
- Loan Duration: 4 months with an extra 1-month grace period.
- Simple Process: Fully digitized system for faster processing.
Eligibility Criteria
To apply, you must:
- Be a resident of Punjab
- Own 5 to 10 male calves (buffalo or cattle)
- Have a valid CNIC
- Have a SIM card registered in your name
- Be registered in the SPMS-9211 database
- Have no prior loan defaults
- Pass credit and NADRA checks
How to Apply
You can apply in two ways:
- SMS Application:
- Send
PLC <space> CNICto 8070
- Send
- Offline Application:
- Visit nearest veterinary hospitals or tehsil centers
Program Timeline
| Phase | Timeline | Farmers Covered | Animals Covered |
|---|---|---|---|
| Phase 1 | Nov–Dec 2024 | 10,000–20,000 | 100,000 |
| Phase 2 | Early 2025 | 30,000–60,000 | 300,000 |
| Phase 3 | Mid–Late 2025 | Up to 80,000 | 400,000 |
Program Summary Table
| Feature | Details |
|---|---|
| Loan Amount | PKR 27,000 per animal (5–10 animals) |
| Total Loan Range | PKR 135,000 – 270,000 |
| Loan Duration | 4 months + 1-month grace |
| Interest Rate | 0% (fully interest-free) |
| Coverage | 80,000 farmers, 400,000 animals |
| Card Issuance Fee | PKR 100 per animal |
| Loan Type | Unsecured / Clean credit |
| Financing Size | PKR 10.8 Billion |
| Sponsor | Livestock Department, Punjab |
| Credit Default Rule | Defaulters will be ineligible for future loans |
Special Focus in 2025
- Focus on South Punjab
- Inclusion of vulnerable women (widows/divorced)
- Free livestock distribution and training for selected applicants
Tips to Secure Loan Approval
- Ensure your mobile number is active and registered under your CNIC
- Keep your animal records and ownership documents ready
- Make sure you are registered in the Livestock database
- Avoid any defaults on previous loans
FAQs – CM Livestock Card Scheme
Q: Who can apply for the Livestock Card Scheme?
A: Any Punjab resident aged 18+ who owns 5 to 10 male calves and meets eligibility requirements.
Q: Is there any interest on the loan?
A: No. The loan is 100% interest-free.
Q: How do I apply?
A: Send PLC <space> CNIC to 8070 via SMS or visit your local veterinary center.
Q: What happens if I fail to repay on time?
A: You may become ineligible for future credit cycles.
Q: Can women farmers apply?
A: Yes, especially in Phase 2, which focuses on vulnerable women.
Final Words
The CM Punjab Livestock Card Scheme is a powerful tool to uplift small-scale farmers in the livestock sector. With easy-to-access, interest-free loans, this initiative can help farmers improve their earnings and animal health.
👉 Apply now before slots are filled, and take advantage of this financial support to grow your livestock business!
For updates, visit: https://livestock.punjab.gov.pk/
Or call the helpline: 08000-9211 (24/7)