Government Schemes in Pakistan: Active Programmes and Portals
Government schemes in Pakistan are run by different federal and provincial departments, and each has its own official portal, office and rules. The safest way to apply or check your status is the scheme’s own official portal or office, where welfare registration and status checks are free. This page lists the main schemes that official sources showed as active in October 2026, and where to go for each.
PK Portals is an independent information site, not a government website. We cannot register you, check a payment or approve a loan, and no scheme below is guaranteed to accept you.
Quick facts
| Item | Detail |
|---|---|
| Federal cash support | BISP: 8171.bisp.gov.pk, SMS 8171, helpline 0800-26477 |
| Federal youth schemes | pmyp.gov.pk |
| Provincial schemes | Each has its own portal on a government domain (see table below) |
| What you usually need | CNIC, children’s B-Form, a mobile SIM in your own name |
| Cost | Welfare registration and checks are free. Some loan schemes list an official processing fee |
Main active schemes at a glance
| Scheme | Run by | Who it is for | Official portal |
|---|---|---|---|
| Benazir Kafaalat, Taleemi Wazaif, Nashonuma | BISP (federal) | Low-income families, their school-going children, mothers and infants | 8171.bisp.gov.pk, bisp.gov.pk |
| Prime Minister’s Youth Programme | Federal government | Young people: loans, laptops, skills training | pmyp.gov.pk |
| Sehat Sahulat Program | Federal government | Families covered for hospital treatment | pmhealthprogram.gov.pk |
| Apni Chhat Apna Ghar | Punjab housing agency (PHATA) | Low-income families who own a small plot | acag.punjab.gov.pk |
| Honhaar Scholarship | Punjab Higher Education Department | Students in public universities and colleges | honhaarscholarship.punjab.gov.pk |
| CM Punjab Laptop Scheme | Punjab Higher Education Department | High-scoring students with Punjab domicile | cmlaptophed.punjab.gov.pk |
| Kisan Card | Punjab Agriculture Department | Farmers in Punjab | agripunjab.gov.pk |
| Himmat Card | Punjab Social Welfare and Bait-ul-Maal Department | Persons with disabilities who cannot work | swd.punjab.gov.pk |
| Asaan Karobar Card and Finance | Punjab Small Industries Corporation | Small business owners in Punjab | akc.punjab.gov.pk, akf.punjab.gov.pk |
| Flood housing (SPHF) | Government of Sindh | Families whose homes were damaged in the 2022 floods | sphf.gos.pk |
| Benazir Hari Card | Sindh Agriculture Department | Farmers in Sindh | benazirharicard.gos.pk |
| Sehat Card | Government of Khyber Pakhtunkhwa | Permanent residents of KP | sehatcardplus.gov.pk |
| BEEF scholarships | Balochistan Education Endowment Fund | Talented, low-income students of Balochistan | beef.org.pk |
Federal schemes
BISP: Kafaalat, Taleemi Wazaif and Nashonuma
The Benazir Income Support Programme pays Benazir Kafaalat to eligible low-income families, Rs 14,500 per quarter as of October 2026. Taleemi Wazaif adds a stipend for their school-going children, and Nashonuma supports pregnant women and children under two.
BISP registration is a free household survey at a BISP tehsil office, not an online form. Check eligibility only by CNIC at 8171.bisp.gov.pk or by SMS to 8171. Our 8171 web portal guide has the steps.
The Ehsaas program name is no longer used on the BISP and ministry websites. Its cash transfer now runs as Benazir Kafaalat.
Prime Minister’s Youth Programme
This programme covers three things young people ask about most. Its Youth Business and Agriculture Loan Scheme had a top tier of Rs 7.5 million as of early 2026. Check pmyp.gov.pk for the current tiers, markup and application form.
The PM Laptop Scheme is run with the Higher Education Commission. Students register at laptop.pmyp.gov.pk with their own CNIC, mobile number and email. When we checked in October 2026, the portal said the next phase was still to be announced.
Skills courses under the PM Youth Skills Development Programme are run by NAVTTC, the national vocational training body. Apply at nsis.navttc.gov.pk or call its helpline, 0800-88866.
Sehat Sahulat and Bait-ul-Mal
The federal Sehat Sahulat Program pays for hospital treatment of covered families. Coverage depends on your region, so send your CNIC number by SMS to 8500 or call 0800-09009 before you rely on it.
Pakistan Bait-ul-Mal helps poor patients, students, orphans and persons with disabilities. Forms and case tracking are on pbm.gov.pk.
CM Punjab schemes
Apni Chhat Apna Ghar
Apni Chhat Apna Ghar gives interest-free house-building loans to low-income families who already own a small plot. At launch the government described plots of 1 to 5 marla in cities or 1 to 10 marla in villages, repayment over nine years and a monthly instalment of no more than Rs 14,000.
By October 2026 the government said about 220,000 families had received funds. Apply and track your application only on acag.punjab.gov.pk, and confirm the current terms there.
Honhaar Scholarship
The Honhaar Scholarship supports students in public sector universities, graduate colleges and medical colleges of Punjab. The Higher Education Department lists 30,000 scholarships a year across 68 disciplines. Eligibility conditions and the dates of each round are published on honhaarscholarship.punjab.gov.pk.
CM Punjab Laptop Scheme
The CM Punjab Laptop Scheme is for students with a Punjab domicile. The department’s published criteria ask for at least 65% in Intermediate for BS students, 80% for medical and dental students, 75% for DVM and 65% for BS Nursing in public sector colleges. Students who already got a laptop under another scheme are not eligible. Check cmlaptophed.punjab.gov.pk for the current phase.
Kisan Card
The Kisan Card gives farmers interest-free credit for seed, fertiliser and other inputs. Punjab had about 900,000 card holders in April 2026. The Punjab Agriculture Department handles registration, so ask its local office or see agripunjab.gov.pk for the current season’s process.
Himmat Card
The Himmat Card pays Rs 10,500 per quarter to needy persons with disabilities. You must be certified by Social Welfare Punjab as not fit to work, have no job, and not be receiving a similar grant from BISP, Zakat or Bait-ul-Maal. Register or update your data at dpmis.punjab.gov.pk. The scheme page is swd.punjab.gov.pk/himmatcard.
Asaan Karobar Card and Asaan Karobar Finance
The Asaan Karobar Card is an interest-free loan of up to Rs 1 million over three years for small businesses in Punjab. Applicants must be 21 to 57, hold a valid CNIC with a Punjab address and have a mobile SIM in their own name. The official page lists a Rs 500 processing fee and an annual card fee.
Asaan Karobar Finance offers Rs 1 million to Rs 30 million for applicants aged 25 to 55 with an NTN (tax number) and a clean credit history. Apply at akc.punjab.gov.pk or akf.punjab.gov.pk.
Punjab also runs a Ration Card, a Minority Card and the Dhee Rani collective marriage programme (cmp.punjab.gov.pk). See our Punjab schemes section.
Sindh, KP and Balochistan
Sindh
Sindh People’s Housing for Flood Affectees (SPHF) rebuilds homes damaged in the 2022 floods. Its site has no open application form. Families were identified through damage assessment, and you can check a case by CNIC at sphf.gos.pk.
The Benazir Hari Card gives registered farmers subsidies on inputs and access to interest-free loans. Farmers register online at benazirharicard.gos.pk. The Mother and Child Support Programme gives cash linked to health check-ups for pregnant women and mothers of children under two in selected districts (sspa.gos.pk). More is in Sindh schemes.
Khyber Pakhtunkhwa
The Sehat Card covers hospital treatment for permanent residents of KP, based on NADRA records, even if they live elsewhere in Pakistan. About 10.8 million families were registered in April 2026. Check sehatcardplus.gov.pk or ask at a panel hospital. See KPK schemes.
Balochistan
Under the Balochistan Health Card, your CNIC works as the card at panel hospitals. BEEF gives scholarships to talented, low-income students, and applications open scheme by scheme on beef.org.pk. See Balochistan schemes.
How to apply or check status safely
- Find the scheme in the table above and type the portal address yourself.
- Read the eligibility rules on the portal before entering any details.
- Register with your own CNIC and your own mobile number.
- Save the tracking or application number you receive.
- Check status only on the same portal, its helpline or the department’s office.
Documents people usually need
- CNIC: your valid national identity card. Your address and marital status should be up to date.
- B-Form: NADRA’s child registration certificate, needed for children’s stipends and family surveys.
- Mobile SIM in your own name: portals send codes and results to it.
- Domicile and education papers: for scholarships and laptops.
- Disability certificate: for the Himmat Card.
- Property, land or business papers: for housing, farm and business loans.
To fix a CNIC or B-Form first, see NADRA online services.
Problems and fixes: fake scheme websites and messages
- Check the address. Official portals here end in gov.pk, gos.pk (Sindh) or a department’s own listed domain. A scheme name on a .com or .com.pk site is not proof.
- No fee to an agent. Welfare registration is free. Where a loan has a processing fee, it is paid through the official portal or bank, never to a person.
- Never share an OTP, PIN or password. Official staff do not ask for them by call or SMS.
- Ignore messages from ordinary mobile numbers. BISP messages come from 8171 only.
- Be careful with “online registration forms” for BISP or Ehsaas. They collect CNIC numbers and are not official.
- Got a rejection or no reply? Use the scheme’s helpline or office. No outsider can change a result.
Frequently Asked Questions
Is there one website to apply for all government schemes in Pakistan?
No. Every scheme has its own portal or office, listed in the table above.
Is the Ehsaas program still open for registration?
Federal portals now use the Benazir names. Registration is the BISP survey at a tehsil office.
Do I have to pay to apply?
Not for welfare schemes such as BISP or the Himmat Card. Some loan schemes list a small official processing fee.
Can I apply for a CM Punjab scheme from another province?
Usually not. CM Punjab schemes ask for a Punjab address or domicile.
Can PK Portals apply or check my status for me?
No. We only explain the process and link to official portals.
Official sources
- Benazir Income Support Programme
- 8171 Web Portal
- Prime Minister’s Youth Programme
- PM Laptop Scheme
- NAVTTC
- Sehat Sahulat Program
- Pakistan Bait-ul-Mal
- Punjab Higher Education Department
- Himmat Card, Social Welfare Punjab
- Punjab Small Industries Corporation
- Sindh People’s Housing for Flood Affectees
- Benazir Hari Card
- Sindh Social Protection Authority
- Balochistan Education Endowment Fund
