Punjab Interest-Free Livestock Loans
Punjab Interest-Free Livestock Loans. The Punjab government has launched the “Livestock e-Credit Scheme” to financially empower farmers and increase milk and meat production. Under this scheme, interest-free loans will be provided to 80,000 small farmers so that they can make better arrangements for the care, feeding, and treatment of their livestock. The scheme has been introduced under the Kisan Card and will be completed in a two-year phase.
Key Features of the Scheme
- Scheme Name: Livestock E-Credit Scheme
- Start 2025
- Objective: To provide interest-free loans to farmers
- Total beneficiaries: 80,000 farmers
- Duration 2 years
- 20,000 farmers to benefit in 2025
- 60,000 farmers to benefit in 2026
- Loan limit per animal Rs27,000
- Loan limit per farmer: Rs135,000 to Rs270,000
- Total fund Rs 10.80 billion
- Repayment method: Repayment in installments after four months
- Loan types: Fodder, vaccine, silage, mineral mixture, registration expenses
- Loan distribution method through Kisan Card
- Processing fee: Initially Rs1,000 (later waived)
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How to apply
Documents required for registration:
- CNIC
- Mobile number
- Must be a permanent resident of Punjab
Bank Partnership:
- Loan disbursement and repayment of installments will be through the Bank of Punjab and other banks.
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Benefits through Kisan Card:
- Silage, mineral mixture, fodder, vaccines, etc., can be purchased through the card.
- Production, traceability, and digital registration of farmers will also be possible with the same card.
Benefits of the scheme
- Small farmers will gain economic independence.
- The health and diet of livestock will improve.
- Milk and meat production are expected to increase.
- The agricultural economy will be promoted in Punjab.
- The government’s goal is to develop the agricultural and livestock sector on modern lines.
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Scheme Schedule
- 2025:
- The initial 20,000 farmers will be provided with loans
- Kisan Card distribution and registration are underway
- 2026:
- Another 60,000 farmers will be provided with loans
- Full implementation of the scheme
Punjab Chief Minister’s Statement
Chief Minister Maryam Nawaz has said:
“This scheme is a revolutionary step for the welfare of farmers and the stability of the rural economy. We want the farmer to get the full fruits of his hard work and develop without any financial constraints.”
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Conclusion
The Livestock E-Credit Scheme is a historic initiative which aims not only to provide financial facilities to small farmers but also to modernize and self-sufficient the agricultural and livestock economy of Punjab self-sufficient. If this scheme is completed, it can become a model for other provinces of Pakistan as well.