CM Punjab Schemes 2025: Full List with Eligibility, Online Application Process, Benefits & Helpline Numbers
The Chief Minister of Punjab has started many helpful programs to make life better for people in the province. These programs give support for students, health, energy, jobs, and women. In this article, we will explain each program one by one — like the Solar Panel Scheme, Honhaar Scholarship, Laptop Scheme, Dhee Rani Program, Bike Scheme, Youth Loan Scheme, and the Sehat Insaf Health Card. We will also tell you who can apply, how to apply, and where to call for help, so everyone can understand and get the benefits easily.
Chief Minister Punjab Free Solar Panel Scheme
Growing up in a modest neighborhood of Punjab, I remember the frequent power cuts that made everyday life difficult. Now, with the Chief Minister’s bold move—Maryam Nawaz Sharif leading the Free Solar Panel Scheme—things are changing. This initiative brings solar energy solutions straight to our homes, especially for those with monthly consumption of up to 200 units. Eligible households from June 2024 can get a complete solar system of either 550-watt or 1100-watt, including panels, inverters, and batteries, all at no cost. That’s more than just renewable energy—it’s a real commitment to helping modest communities.
This isn’t just about reducing electricity bills. It’s about empowering people and making sustainable living possible. By slashing carbon emissions—an estimated 57,000 tons annually—the scheme pushes us towards a greener, eco-friendly Punjab. With CNIC-linked installations and a digital balloting system, the government ensures transparency and prevents misuse. And applying? Just send your CNIC via SMS to 8800, or use the web portal (cmsolarscheme.punjab.gov.pk). Known also as the Roshan Gharana Program, this plan is a true game-changer. It tackles the burden of rising bills, replaces fossil fuels, and restores reliability to our energy supply.
CM Punjab Honhaar Scholarship Program
Who Can Apply? (Eligibility Criteria)
To qualify for the Honhaar Undergraduate Scholarship, you must meet the following conditions:
- Must have a domicile from any district of Punjab
- Family income must be less than Rs. 300,000/month
(An affidavit is required – sample available for download) - Must be currently enrolled in selected disciplines from 3rd to 8th semester
- Students in the 2nd to 5th year of MBBS or BDS programs can also apply
Academic Requirements
Minimum CGPA or percentage for eligibility:
- Science disciplines (Public universities/colleges): 70% or equivalent CGPA
- Arts disciplines (Public universities/colleges): 65% or equivalent CGPA
- Medical & Dental colleges (Public): 60% in annual exams
Merit will be determined using the HEC semester system guidelines for Higher Education Institutions (HEIs) in Pakistan.
What the Scholarship Covers
- 100% Tuition Fee Coverage for selected students
What You Need to Submit (Application Details)
When applying, provide:
- Personal details
- Educational background
- Socio-economic information
Distribution of Honhaar Scholarships
The scholarship has been distributed in multiple phases:
- Phase I: 30,000 scholarships for 1st-semester BS and 1st-year medical students
- Phase II: 20,000 scholarships for 3rd to 8th semester BS and 2nd to 5th year MBBS/BDS students
- Phase III: 5,000 scholarships for students from other provinces
Project Summary
- Sponsor Agency: Higher Education Department
- Executing Agency: Punjab Higher Education Commission (PHEC)
- Total Approved Budget: Rs. 5,868.05 million
- Initial Allocation: Rs. 2,500 million
- Revised Budget: Rs. 5,868.05 million
- Amount Utilized So Far: Rs. 2,807.55 million
- Full budget released by the Finance Department
CM Karobar Card Loan Scheme
The Punjab government has launched a digital financial support program for small entrepreneurs to expand and manage their businesses. Through a Digital SME Card, eligible applicants can access interest-free loans up to PKR 1 million. All transactions are managed via digital channels (like Mobile Apps or POS terminals) to ensure secure, transparent, and traceable fund usage.
This initiative is designed to help registered businesses handle vendor payments, utility bills, government fees, and even allow limited cash withdrawals (25% of the approved limit) for business-related use. The program promotes digital transactions and blocks all non-business or personal expenses, including entertainment.
Key Features of the SME Loan Card
- Maximum Loan Limit: PKR 1,000,000
- Loan Tenure: 3 years
- Loan Type: Revolving credit (valid for 12 months)
- Grace Period: 3 months from card issuance
- Repayment Terms:
- 24 equal monthly installments after grace period
- 5% minimum monthly payment on outstanding principal
- End-User Interest Rate: 0% (Completely interest-free)
Eligible Usage of Loan Funds
- Payments to vendors and suppliers
- Utility bills, government charges, taxes
- Cash withdrawals (up to 25%) for urgent business needs
- Digital spending via POS or mobile app
- Non-business usage is strictly prohibited and blocked
Who Can Apply?
- Must be a Pakistani national residing in Punjab
- Age: 21 to 57 years
- Owns or plans to start a business in Punjab
- Has a valid CNIC and registered mobile number
- Good credit history (no overdue or defaulted loans)
- Must pass credit and psychometric assessment
- Only one application allowed per individual or business
How to Apply
- Apply online via the PITB portal
- Pay a non-refundable fee of PKR 500
- Digital verification of CNIC, business address, and creditworthiness
- PRA/FBR registration mandatory within 6 months of approval
Loan Disbursement Phases
- First 50% of the loan is usable in the first 6 months
- After regular usage and repayments, the remaining 50% is released
- Full repayment after the first year in 24 monthly installments
Additional Costs & Charges
- Annual Card Fee: PKR 25,000 + FED (deducted from loan limit)
- Covered by Scheme: Life assurance, card issuance, delivery
- Late Payments: Charges applied as per bank’s policy
Security & Verification
- Personal Guarantee: Required with digital signature
- Life Assurance: Included for safety
- Business Premises Verification: Done by Urban Unit within 6 months and then annually
Business Support & Helpdesk
- Feasibility Reports: Available at PSIC and BOP websites
- Helpline: Dial 1786 for assistance
- Official Website: https://akc.punjab.gov.pk/cmpunjabfinance
CM Laptop Scheme 2025
The Chief Minister Punjab Laptop Scheme 2025 is a powerful initiative aimed at empowering students through digital access, educational tools, and technological inclusion. While application submission is now closed, the list of selected candidates for Phase 1 has been uploaded. Eligible students can check their status online to see if they are among the selected 39,902 applicants.
The program helps bridge the digital divide and supports students with modern laptops equipped for academic excellence, skill development, and economic empowerment. Over 250,980 registrations were received, with 93,441 applications, 73,312 verified, and nearly 40,000 laptops awarded. (Last updated: July 20, 2025 – 11:01 AM)
Laptop Features – What You Get
Every selected student receives a high-performance laptop with top-tier specifications:
- Processor: Intel Core i7, 13th Generation
- Storage: Fast SSD for rapid boot and data access
- Memory: High-speed RAM for smooth multitasking and performance
Key Benefits for Students
- Educational Growth through access to digital learning resources
- Skill Development in computing and technology
- Digital Inclusion for remote learning and connectivity
- Economic Empowerment through opportunities in tech-driven fields
Who Was Eligible to Apply
Students needed to meet the following eligibility criteria to be considered for Phase 1:
- Domicile: Must be from any district in Punjab
- Enrollment Requirements:
- 1st or 2nd semester of BS program at a public university or college
- 1st professional year of MBBS or BDS at a public medical or dental institution (Academic session 2024)
- Academic Performance:
- Minimum 65% marks in Intermediate (for BS applicants)
- Minimum 80% marks in Intermediate (for MBBS/BDS applicants)
- Exclusivity Condition: Student must not be a previous recipient of any government laptop scheme
Dhee Rani Program
Chief Minister Maryam Nawaz Sharif has launched the Punjab Dhee Rani Programme, a Collective Marriages Initiative aimed at helping underprivileged families fulfill their socio-religious responsibility with honor and dignity. In a country where marriage is seen as a sacred social contract under Islamic values, many deserving parents are unable to arrange weddings for their children due to financial constraints.
Through this program, the Punjab Government provides full support to ensure marriages are conducted collectively, making it affordable and respectable for low-income families. This initiative not only relieves economic burden, but also promotes social harmony, hope, and a sense of government ownership in the lives of citizens. It is designed to foster stability, reinforce family values, and uphold the cultural and religious importance of marriage in Pakistan.
CM Punjab Bike Scheme
In a move to support over 800,000 students, the Government of Punjab, in collaboration with the Bank of Punjab, has launched the Punjab Student Bike Scheme. This initiative provides both petrol and electric bikes to male and female students of degree colleges and universities, making daily commuting affordable and convenient.
The scheme is currently open for Phase 1, targeting students from Lahore, Multan, Faisalabad, Rawalpindi, and Bahawalpur. With a massive PKR 2.6 billion subsidy, this program focuses on education accessibility, student mobility, and gender-inclusive support.
Allocation of Bikes – Phase 1
🚲 Petrol Bikes: Total 19,000
- 11,676 for male students
- 7,324 for female students
⚡ Electric Bikes (e-Bikes): Total 8,179
- 700 for male students
- 7,479 for female students
Eligibility Criteria – Who Can Apply?
Students must meet the following conditions to be eligible:
- Must be 18 years or older
- Must be a regular student at a HEC-recognized Degree College or University
- Must hold a valid motorcycle learner’s permit or driving license
- In case applications exceed the quota, selection will be done via e-balloting
(Terms & Conditions Apply)
Application Statistics (So Far)
- Total Registrations: 189,491
- Applications Received: 72,640
- Petrol Bike Applications: 57,370
- e-Bike Applications: 15,270
Youth Loan Scheme
The Prime Minister’s Youth Business and Agriculture Loan Scheme (PMYB&ALS) is a government initiative designed to promote entrepreneurship and self-employment among Pakistan’s youth. It offers business loans on simple terms with low markup rates, in collaboration with 15 participating banks, including Commercial, Islamic, and SME banks.
Whether you’re starting a business or scaling an existing one, this scheme makes funding more accessible—especially for those venturing into IT or E-Commerce sectors.
Who Can Apply?
- Pakistani residents aged between 21 and 45 years
- For IT / E-Commerce businesses, the minimum age is 18 years
- Must have a viable business plan or entrepreneurial potential
- Applications are accepted online only via the official portal
Loan Tiers and Markup Rates
The scheme offers 3 flexible loan tiers based on the applicant’s needs:
Tier 1 – Interest-Free Loans
- Loan Range: Up to PKR 500,000
- Markup: 0%
Tier 2 – Low Markup Business Loans
- Loan Range: Above PKR 500,000 up to PKR 1.5 Million
- Markup: 5%
Tier 3 – Mid-Range Business Loans
- Loan Range: Above PKR 1.5 Million up to PKR 7.5 Million
- Markup: 7%
Sehat Insaf Health Card
The Sehat Sahulat Program (SSP) is a flagship healthcare initiative by the Government of Pakistan, aimed at providing free medical services to underprivileged citizens across the country. This micro health insurance scheme ensures that deserving families receive swift, dignified, and financially stress-free access to both emergency and advanced medical treatments.
Through this program, the government aims to bridge the healthcare gap for low-income populations, offering full coverage without any out-of-pocket expenses.
What’s Covered – Medical Treatment Packages
🏥 Secondary Care Coverage
- Initial Limit: PKR 60,000 per family per year
- Additional Limit: PKR 60,000 per family
- Covered Services:
- All medical and surgical procedures (in-patient)
- Emergency treatments requiring admission
- Maternity care (Normal Delivery & C-section)
- Antenatal checkups (4 before, 1 after delivery)
- Consultation for family planning, nutrition, immunization
- Injuries and fractures
- Post-hospitalization care
- Transport cost: PKR 1,000 (up to 3 times per year) for local travel
- Transfer to tertiary care hospitals if needed
💉 Priority / Tertiary Care Coverage
- Initial Limit: PKR 300,000 per family per year
- Additional Limit: PKR 300,000 per family
- Covered Services:
- In-patient medical and surgical procedures
- Heart treatments (Angioplasty, Bypass Surgery)
- Diabetes complications
- Burns and accidents (life- and limb-saving care, implants, prosthesis)
- Dialysis and treatment for end-stage kidney disease
- Chronic infections (Hepatitis, HIV, Rheumatology)
- Organ failure (Liver, Kidney, Heart, Lungs)
- Cancer treatments (Chemotherapy, Radiotherapy, Surgery)
- Neurosurgical procedures
Kisan Card Scheme
The CM Punjab Kissan Card is a smart step by the Punjab Agriculture Department, introduced in partnership with PITB. It brings departments like NADRA, PMD, PLRA, and the Bank of Punjab together to support small farmers. With this digital system, farmers can get interest-free loans from sowing to harvesting, making it easier to buy essential items like fertilizer and seeds. The card is valid for six months, and there’s a one-month grace period to return the amount. Each farmer can receive up to Rs. 150,000 per season, based on Rs. 30,000 per acre, helping those who own up to 12.5 acres of land.
Farmers need a mobile SIM registered with their own CNIC, and their land records must be verified with PLRA. The process is done online, and once verified through NADRA, PMD, and eECIB, the Bank of Punjab will issue the Kissan Card. More than 500,000 farmers will benefit on a first come, first serve basis. The loans are only for buying agriculture inputs from authorized vendors, and free SMS alerts will keep farmers updated. To apply, farmers need to type “pkc<space>CNIC number” and send it to 8070.
Other CM Punjab Schemes
Helping Farmers Shine with Solar Power
The Chief Minister Punjab Free Solar Panel Scheme, led by Maryam Nawaz Sharif, is like a ray of sunshine for small-scale farmers! It gives free solar systems to 100,000 homes that use up to 200 units of electricity each month. These systems include solar panels, inverters, and batteries to power homes without big bills. As someone who’s seen farmers work hard under the hot sun, I know how tough it is to pay for electricity. This initiative provides subsidies by covering the full cost, so farmers can save money and grow more crops with ease.
The scheme also supports women entrepreneurs by encouraging them to use renewable energy for small businesses, like sewing or food stalls. By promoting clean energy, it helps the environment and cuts down pollution. Farmers and women can register easily through SMS or online, making it simple to join. This government program, called the Roshan Gharana Program, is a big step toward financial independence and a brighter, greener Punjab for everyone.
Conclusion
The CM Punjab Schemes represent a transformative vision for the future of the province, targeting renewable energy, healthcare, education, transport, agriculture, and entrepreneurship. From the Free Solar Panel Scheme to the Laptop Program, Electric & Petrol Bike Scheme, Dhee Rani Marriages, Sehat Sahulat Program, and Kissan Card Loans, these initiatives ensure that no segment of society is left behind. They are designed to empower the youth, support the underprivileged, strengthen farmers, and promote digital and financial inclusion.
By providing interest-free loans, free medical treatment, subsidized transportation, and access to modern technology, the government is not only reducing inequality, but also creating a pathway for sustainable economic growth. Citizens are encouraged to apply online or contact official helplines to take full advantage of these opportunities. These schemes are more than benefits—they are the building blocks of a progressive and prosperous Punjab.
FAQs
How can I check my eligibility for CM Punjab schemes in 2025?
Eligibility is typically verified online or via SMS for each scheme. For example, the Free Solar Panel Scheme allows applicants to register online at the official portal or by sending their CNIC to a service code (e.g. “8800”). Schemes like the Kissan Card use SMS registration (send CNIC to 8070), and helplines (e.g. 0800-09211) are available for assistance. Always check the specific scheme’s official website or Punjab Government portals for eligibility check tools and updates.
Can I apply for multiple CM Punjab schemes simultaneously?
Yes. As long as you meet each program’s eligibility criteria, you may apply to multiple schemes. For instance, students in Punjab can both register for the CM Laptop Scheme (open to 1st/2nd semester BS students and apply for youth or small-business loan programs. Similarly, farmers can use their Kissan Card and also access other benefits like interest-free loans under the Livestock Card. The only requirement is to meet the criteria for each scheme independently.
Are these CM Punjab schemes free of cost, or do beneficiaries pay something?
Many schemes are fully subsidized: for example, the Free Solar Panel Scheme provides solar systems completely free to eligible households, and the Laptop Scheme awards laptops at no cost to qualifying students. Other programs involve nominal costs or co-payments. For instance, under the Free e-Bike (motorbike) Scheme, Punjab pays half of each bike’s down payment (Rs 20,000 of a Rs 40,000 cost). All loan schemes (Livestock Card, Kissan Card, business loans) offer interest-free financing, but standard documentation (like bank processing) may apply. Always review the scheme details on official sites for any user contributions.
What documents do I need to apply?
Generally, a valid CNIC is mandatory for all CM Punjab schemes. Depending on the program, you may also need proof of residence (Punjab domicile), income or asset verification, and scheme-specific records. For example, the Laptop Scheme requires academic transcripts and a Punjab domicile. Agricultural schemes like the Kissan Card require proof of land ownership (verified via Punjab Land Records) and CNIC. Livestock Card applicants typically need identification and information on owned animals. Always check the official checklist on the scheme’s website or application portal before applying.
How do I apply online for CM Punjab schemes (solar panels, laptops, loans, etc.)?
Each major scheme has its own online portal or registration process. For instance, the Solar Panel Scheme can be applied through, while the Laptop Scheme uses. The Kissan Card and Livestock Card use SMS-based registration (text your CNIC to 8070) and local offices, but status can often be checked online or via helpline. Punjab’s Single Window Portal and the Special Monitoring Unit website list all CM schemes and links. Always use official Punjab government sites to apply or verify your application status.
What is the CM Punjab Free Solar Panel Scheme?
This program provides free solar power systems to low-income Punjab households consuming up to 200 units/month. CM Maryam Nawaz Sharif launched it in 2025, and by first phase ~94,483 households will receive rooftop solar installations at no cost. The aim is to cut electricity expenses and subsidies (each 100k systems save ~57,000 tonnes of carbon). Eligible consumers register via the official portal or SMS, and selection is done digitally based on their bill references.
What is the CM Punjab Laptop Scheme?
The 2025 Laptop Scheme awards free high-end laptops to meritorious students. It plans to distribute ~110,000 latest-generation (13th gen Core i7) laptops to top students in Punjab’s public colleges and universities. Of these, 20,000 go to university students and 14,000 to college students, with 2,000 reserved for minorities. Eligible applicants are BS students (1st/2nd semester) with strong marks and Punjab domicile. Students apply online at the official portal (cmlaptophed.punjab.gov.pk), and distribution is expected to begin late 2025.
What is the CM Punjab Livestock Card Scheme?
This initiative offers interest-free short-term loans to cattle farmers. Under Maryam Nawaz Sharif’s plan, livestock owners can borrow Rs 27,000 per animal. Farmers with 5–10 animals are eligible for Rs 135,000–270,000 total, repayable over 4 months (with a 1-month grace). Funds can be used for feed, “wanda” (barn building), silage, and supplements from authorized dealers. Registration opened in Dec 2024, and farmers could sign up via local veterinary hospitals or by SMS (send CNIC to 8070).
What is the CM Punjab Kissan Card?
The Kissan Card provides interest-free agricultural loans to Punjab farmers. It is a digital debit card (issued by Bank of Punjab) that farmers activate by sending their CNIC to 8070. Each card allows a loan of up to Rs 30,000 per acre (max Rs 150,000 for 5 acres) for buying inputs like seeds, fertilizer, and pesticides. No processing fees or interest are charged.The system connects farmers to 3,750+ registered dealers for inputs. Over 600,000 cards were issued in phase I, and phase II in 2025 expanded loans to one million farmers.
What is the Punjab “Maryam Ki Dastak” Program?
The Dastak program is a citizen facilitation initiative providing doorstep government services via a mobile app and call center. Under it, residents can apply for things like domiciles, e-stamps, marriage/divorce certificates, motor vehicle registration, and property tax from home. Trained “Dastak” facilitators deliver these services at citizens’ doorsteps. An Android app and web portal (dastak.punjab.gov.pk) were launched in 2024, aiming to increase convenience and create jobs for hundreds of youth as service agents.
Are there schemes specifically for women?
Yes. The Punjab government has several women-focused initiatives. Examples include the e-Bike Scheme (providing electric bikes to female students) and interest-free Easy Business Loans for women entrepreneurs. Working women benefit from new hostels and day-care centers (over 9,541 families use 307 daycare centers). In 2025, an e-bike project was launched for women’s convenience. The CM’s vision emphasizes empowerment, with quotas in scholarship programs (60% of Honhaar scholarships to women) and planned schemes like “Himmat” cards for female entrepreneurs.
Is there a CM Punjab Car or Bike Scheme for 2025?
There is no separate car grant scheme, but the government launched a Free e-Bike Scheme for students (both genders). CM Maryam Nawaz Sharif is subsidizing electric bikes: Punjab pays half of the Rs40,000 down payment for each bike. Over 27,000 students (including 8,000 women) will receive bikes under this program. For commercial vehicles, an e-Taxi project is in the works with subsidies and solar charging. Always check official announcements (Punjab DGPR) for such transport initiatives.
How can I apply for CM Punjab loan schemes online?
Loan programs like the Karobar Card (small business loans) and Aasan Karobar Scheme (medium enterprises) have online portals. Under the Karobar Card, small businesses can get Rs100,000–1,000,000 loans; medium firms can borrow up to Rs30 million (5-year term). Check the official Punjab government loan portal or the Punjab Small Industries Corp. website for application details. In general, enterprises apply online at designated portals (often linked from punjab.gov.pk) and use digital ID verification.
How can I contact helplines for help?
Each scheme has a helpline. For example, solar panels and Kissan Card queries can be handled via SMS (8070) or the CM’s helpline 0800-00000. The Livestock Card helpline is 0800-09211. Generally, you can call 0800-00000 for guidance or contact relevant department numbers (Agriculture Dept. for Kissan Card, SMEDA for business loans, etc.). Official portals list contact numbers under “Help” or “Contact Us”.
When is the deadline to apply for these schemes?
Deadlines vary by scheme. Many programs ran open registrations until quotas filled. For example, the Solar Scheme had an application phase (94,483 systems in phase 1) and first installations by March 2025. Laptop registrations opened in early 2025, with distribution starting later that year. It’s best to apply as soon as possible and monitor official announcements. Check each scheme’s portal or news releases for exact closing dates.
Who is eligible for CM Punjab schemes?
(Residency requirements) All schemes are for Punjab residents. You must hold a Punjab domicile or CNIC. For example, the Laptop Scheme explicitly requires a Punjab domicile. The Kissan and Livestock programs are for Punjab farmers with land or cattle in the province. There is no restriction by district—beneficiaries from any district in Punjab can apply.
Can students and entrepreneurs benefit at the same time?
Absolutely. Punjab’s social programs are often open to different groups concurrently. A student can apply for the Laptop Scheme and also for scholarships or youth entrepreneurship loans if eligible. Similarly, a young entrepreneur in Punjab could secure a CM youth loan (via SMEDA or ADBP) and simultaneously take advantage of women’s or business finance schemes. The only requirement is to fulfill each program’s criteria.
