Benazir Kafaalat Programme 2025 | Check Registration & Eligibility Online

Benazir Kafaalat Programme (Unconditional Cash Transfers) is Pakistan’s flagship cash-transfer safety net run by Benazir Income Support Programme (BISP). Launched in 2008 and named after former Prime Minister Benazir Bhutto, it provides unconditional cash assistance to low-income families, with a particular focus on women and children.

🎯 Objectives of the Programme

Short-term: Cushion against economic shocks, food crises, and inflation for poor families, particularly women.
Long-term: Eradicate extreme and chronic poverty and promote women empowerment, aligned with Sustainable Development Goals (SDGs).
BISP currently provides assistance to around 9 million families under this programme.
Quarterly stipend has increased from Rs. 3,000/- initially to Rs. 13,500/- per beneficiary.

✅ Eligibility Criteria

Beneficiaries are selected through Proxy Means Test (PMT) via National Socio Economic Registry (NSER).
PMT cut-off score: 32 (standard families), 37 (families with differently-abled members).
Selection is based on household welfare status (0–100 scale).
All families within approved cut-off score are eligible for cash assistance.

🏳️‍🌈 Inclusion of Transgender

Transgenders must obtain CNICs from NADRA mentioning gender as transgender.
Survey at Benazir Registration Centers is mandatory.
PMT restrictions are relaxed: all successfully surveyed transgenders are eligible.
Cash assistance is disbursed via BISP partner banks after verification.

🏦 Payment & Disbursement Mechanism

Payments through HBL (Punjab, Sindh, Balochistan) and Bank Alfalah (KP, GB, AJK).
Disbursement via: Pakistan Post Money Orders, Smart Card, Mobile Banking, Debit Card, Bio-Metric Verification System (BVS).
Stipend: Rs. 13,500/- quarterly per beneficiary (latest update).
Technology-based initiatives for transparency: Payment Verification Interface (PVI), Online Dashboard Monitoring, E-Office, Payment Complaints Management System (PCMS).

👨‍👩‍👧‍👦 Next of Kin Policy

Legal heirs of deceased beneficiaries can apply via an appeal mechanism.
Required documents: CNIC of deceased, CNIC cancellation certificate, death certificate, CNICs of family members.
After processing, next-of-kin starts receiving payments.

📞 Grievance Redressal Mechanism

Lodge complaints at nearest BISP Tehsil Office or call 0800-26477 (toll-free).
Integrated with partner banks for quick tracking and resolution.
Operational hours: 9 AM to 11 PM.

⚡ Emergency & Shock Response Programmes

Special Relief Package for LOC populations in AJ&K
Covid-19 Emergency Cash Assistance (Phase I & II)
Harnai Earthquake Relief Programme
Tirah Valley Emergency Relief, KPK
Targeted Petroleum Subsidy Programme
Flood Affectees Cash Disbursement 2022
Subsidy for Wheat Seed Rabi 2022–23

🌐 Official BISP Portal

For registration, eligibility check, and detailed information, visit the official BISP website: https://www.bisp.gov.pk

🔗 Related Schemes

📝 FAQs

Question: What is the purpose of the Benazir Kafaalat Programme?

Answer: To provide unconditional cash assistance to poor families, support women empowerment, and alleviate extreme and chronic poverty.

Question: Who is eligible for this programme?

Answer: Families selected through PMT based on NSER survey. Standard PMT cut-off score is 32; families with differently-abled members: 37.

Question: Can transgenders receive assistance?

Answer: Yes, all transgenders with CNICs clearly indicating gender and successful survey at registration centers are eligible.

Question: How is the stipend paid?

Answer: Through BISP partner banks (HBL, Bank Alfalah) via multiple mechanisms including BVS, smart cards, mobile banking, debit cards, and money orders.

Question: What is the Next of Kin policy?

Answer: Legal heirs of deceased beneficiaries can apply to continue receiving assistance through submission of required documents.

Question: How can I file a complaint?

Answer: Visit nearest BISP Tehsil Office or call toll-free 0800-26477.

📌 Urdu Version – بینظیر کفالت پروگرام 2025

بینظیر کفالت پروگرام پاکستان کا مشہور کیش ٹرانسفر پروگرام ہے جو بینظیر انکم سپورٹ پروگرام (BISP) کے ذریعے چلایا جاتا ہے۔ یہ پروگرام 2008 میں شروع ہوا اور غریب اور کم آمدنی والے خاندانوں خصوصاً خواتین اور بچوں کو بلا شرط مالی مدد فراہم کرتا ہے۔

🎯 پروگرام کے مقاصد

مختصر مدتی: معاشی جھٹکوں، خوراک کے بحران اور مہنگائی سے متاثرہ خاندانوں کی مدد، خاص طور پر خواتین کی حمایت۔
طویل مدتی: شدید غربت کا خاتمہ اور خواتین کی بااختیار سازی، عالمی پائیدار ترقی کے اہداف کے مطابق۔
اب تقریباً 9 ملین خاندانوں کو امداد فراہم کی جا رہی ہے۔
ہر سہ ماہی کے لیے فی مستحق 13,500 روپے کی اسکالرشپ فراہم کی جاتی ہے۔

✅ اہل ہونے کے معیار

NSER کے ذریعے پروکسی مینز ٹیسٹ (PMT) سے خاندانوں کا انتخاب کیا جاتا ہے۔
PMT کٹ آف اسکور: عام خاندان 32، معذور افراد والے خاندان 37۔
سلیکشن 0-100 کے پیمانے پر گھرانے کی فلاح و بہبود کے مطابق ہوتی ہے۔

🏳️‍🌈 ٹرانس جینڈر کی شمولیت

ٹرانس جینڈر CNIC حاصل کریں جس میں جنس واضح طور پر درج ہو۔
رجسٹریشن سینٹرز میں سروے لازمی ہے۔
PMT پابندیاں نرم کی گئی ہیں: سروے مکمل ہونے والے تمام ٹرانس جینڈر اہل ہیں۔
بینک کے ذریعے نقد امداد فراہم کی جاتی ہے۔

🏦 ادائیگی اور تقسیم کے طریقے

HBL (پنجاب، سندھ، بلوچستان) اور Bank Alfalah (KP، GB، AJK) کے ذریعے ادائیگی۔
طریقے: پوسٹ منی آرڈرز، سمارٹ کارڈ، موبائل بینکنگ، ڈیبٹ کارڈ، بایومیٹرک سسٹم (BVS)۔
فی سہ ماہی اسکالرشپ: 13,500 روپے (حالیہ اضافہ)۔