The Benazir Income Support Programme (BISP) has introduced a new policy in June 2025 that affects many families receiving financial aid. According to the latest update, families who have taken government-backed business loans of Rs. 10 lakh or more are no longer eligible for monthly BISP payments via the 8171 platform.
This major shift aims to ensure that only truly deserving families receive government support.
✅ Why Are BISP Payments Suspended for Loan Takers?
BISP is meant to help Pakistan’s poorest families. But many beneficiaries who were also taking large loans like Apna Karobar Card were still receiving BISP money.
Now, the system checks if someone in the household has received a business loan of Rs. 10 lakh or more. If yes, BISP payments are stopped because their financial condition is considered improved.
📋 Quick Summary Table – BISP Loan Taker Policy (June 2025)
| Detail | Information |
|---|---|
| Program | BISP 8171 – Loan Takers Removed |
| Effective Date | June 2025 |
| Affected Families | Those with Rs. 10 lakh or more in govt. loans |
| Example Loan Schemes | Apna Karobar Card, Kamyab Jawan Loan |
| Payment Platform | 8171 SMS & BISP portal |
| Verification Method | CNIC Check via NADRA + BISP Integration |
| Recheck Option | SMS CNIC to 8171 or visit BISP office |
🏦 How Government Loans Affect BISP Eligibility
- BISP uses a Poverty Means Test (PMT) to decide who is poor enough to qualify.
- Getting a big business loan increases your PMT score.
- If the score increases beyond the limit, your BISP payments are automatically blocked.
🔍 How Does the Government Know About the Loan?
- BISP has integrated its system with NADRA and loan databases.
- This system automatically detects families who received loans.
- Even if the loan is in the husband’s name, and the wife was receiving BISP, payments are now blocked.
📑 Key Points to Remember
- ✅ Loan above Rs. 10 lakh = BISP payment stopped
- ✅ Applies to entire household, not just the person who took the loan
- ✅ No manual application needed; system auto-detects
- ✅ Use CNIC to check your status via 8171 SMS or BISP portal
- ✅ No deduction should be taken from BISP if you’re still eligible
📂 Required Documents If You Think It’s a Mistake
If your BISP payments stopped but you did not take any loan, bring these to your nearest BISP Tehsil office:
- Original CNIC
- Proof that no loan was taken
- Any loan clearance certificate if loan is paid back
- Application for payment restoration
❓ Frequently Asked Questions (FAQs)
Q1: Why was my BISP payment stopped suddenly?
👉 If you or your spouse took a loan of Rs. 10 lakh or more, your household is marked ineligible.
Q2: My husband took the loan, not me. Will I still lose BISP?
👉 Yes. BISP counts household income, not just the woman’s individual status.
Q3: Can I get BISP again if I repay the loan?
👉 Not immediately. You must wait until your financial data is reviewed again.
Q4: How can I check if I’m still eligible?
👉 Just send your 13-digit CNIC to 8171. You’ll get a reply with your status.
Q5: Can I appeal if I think the suspension was wrong?
👉 Yes. Visit your nearest BISP office with loan documents and request a review.
⚠️ Warning: Don’t Rely on Middlemen
- Never pay extra money to agents for BISP help.
- Visit only official BISP centers or use SMS/portal.
- If your payment is blocked, follow the legal procedure.
📌 Conclusion: What Should Affected Families Do Now?
The June 2025 BISP policy update is meant to ensure fair distribution of aid. If your household took a Rs. 10 lakh business loan, your BISP 8171 payments will stop automatically. This rule targets double-benefit cases and aims to help only those in true financial hardship.
✅ Stay updated
✅ Check your status via 8171
✅ Keep your documents ready
✅ Avoid visiting payment centers unless confirmed eligible
For the latest updates, continue visiting the official BISP website or check messages from 8171.