The CM Punjab Livestock Card 2025 is a groundbreaking initiative of the Government of Punjab designed to provide interest-free e-credit to small livestock farmers for calf fattening and feed purchases. This program empowers rural families by improving animal nutrition, accelerating weight gain, and increasing income per animal — all without any interest charges.
If you are searching for Livestock Card Registration 2025, Eligibility Criteria, Loan Amount, How to Apply via SMS, Documents Required, or Benefits, then this is the most complete and up-to-date guide available.
What Is the CM Punjab Livestock Card?
The CM Punjab Livestock Card is an interest-free digital loan facility that enables farmers to buy:
- Wanda
- Silage
- Mineral mix
- Approved feed inputs
The loan is provided per animal and used only through a digital card at authorized livestock feed partners.
Latest Updates & Program Scope (2024–2025)
✔ Program Scale
According to the official program details:
- Financing available: PKR 10.8 billion (program size)
- Farmers targeted: Up to 80,000 farmers across Punjab
- Animals covered: 400,000+ animals expected across all cycles
✔ Cycle Targets (Phase-wise)
- Cycle 1: 10,000–20,000 farmers
- Cycle 2 & 3: Rapid expansion planned
- Digital verification improved under PITB (Punjab IT Board)
✔ Core Objectives
- Reduce feed cost pressure
- Improve fattening cycles
- Increase farmer income
- Support meat supply chain and exports
Loan Amount, Card Limit & Tenor
This is where competitors are unclear — but here is the exact detail:
✔ Loan Per Animal
You receive PKR 27,000 per calf.
✔ Livestock Requirement
You must have 5 to 10 male calves.
✔ Total Loan Example
- 5 animals → 27,000 × 5 = 135,000 PKR
- 10 animals → 27,000 × 10 = 270,000 PKR
✔ Loan Tenor
- 4 months (fattening cycle)
- 1 month grace period
✔ Interest / Cost
- 100% interest-free for farmers
- Bank charges covered through govt. guarantee
- Small card issuance/processing fee may apply per animal (as per BOP)
✔ Eligible Uses
The card can ONLY be used for:
- Wanda
- Silage
- Calf feed
- Mineral supplements
Not for:
❌ Cash withdrawal
❌ Personal expenses
❌ Buying animals
Eligibility Criteria for Livestock Card 2025
You must meet the following conditions:
✔ Punjab resident
Valid CNIC with Punjab address.
✔ Livestock ownership
Own 5–10 male calves (cattle or buffalo).
✔ Valid CNIC + Mobile number
Mobile must be registered with your CNIC (PMD validation).
✔ Credit history
- No past loan defaults
- Passes NADRA Verisys
- Passes AML (anti-money laundering) screening
- Not on Tasdeeq negative list
✔ Age requirement
Minimum 18 years.
✔ Registered in Livestock Database
Preferably registered in SPMS-9211 or local livestock office.
Documents Required
Keep these ready:
- CNIC front & back
- Mobile number on your CNIC
- Proof of animal ownership (photos, tags, receipts)
- Farm address details
- Any previous loan clearance proof (if applicable)
- Passport-size photo
Tip: Use clear, bright photos. Blurry uploads delay verification.
How to Apply for CM Punjab Livestock Card (Step-by-Step)
✔ Step 1 — Apply via SMS (Fastest Method)
Send the following SMS:
PLC <space> YourCNICNumber
Send to: 8070
Example:PLC 3520123456789
This registers your CNIC with the Livestock program.
✔ Step 2 — Wait for Verification Call/SMS
Your data goes for:
- NADRA verification
- Mobile number validation
- Animal ownership check
✔ Step 3 — Possible Field Visit
Livestock officers may visit your farm to check:
- Number of animals
- Age & type of calves
- Farm setup
✔ Step 4 — Card Issuance (Bank Partner)
Bank of Punjab (BOP) issues the Livestock Card.
You may need to:
- Show original CNIC
- Pay a small card fee
- Provide a mobile verification code
✔ Step 5 — Use Card for Feed Purchases
Use the card at:
- Approved feed mills
- Wanda suppliers
- Silage dealers
How the Loan Is Disbursed (E-Credit System)
✔ Funds are NOT given as cash
Instead, the credit is loaded into your card.
✔ You purchase feed digitally
Approved merchants deduct from your limit.
✔ Every item is digitally recorded
This reduces scams and ensures proper feeding cycle.
Repayment Rules & Default Policy
✔ Repayment at end of fattening cycle
You must repay within 4–5 months depending on your loan tenor.
✔ Default Consequences
- Ineligible for next cycles
- Blacklisted temporarily
- Possible deduction from support programs
- Harder to obtain loans in future
✔ Why defaulting is dangerous
Once blacklisted, farmers lose access to:
- Kisan Cards
- Future Livestock Cards
- Government subsidies
ROI Example (Content Gap Competitors Missed)
Average Profit From a Fattened Calf
| Item | Amount |
|---|---|
| Weight at start | ~100–120 kg |
| Weight gain in 120 days | +60–90 kg |
| Sale price (per kg) | PKR 600–700 |
| Avg. sale value increase | PKR 36,000–63,000 |
Feed Cost (paid via card)
PKR 27,000/animal → no interest.
Expected Profit
₨10,000–30,000 per animal (after expenses)
This is why the scheme boosts rural household income significantly.
Allowed & Restricted Uses of Livestock Card
✔ Allowed
- Wanda
- Silage
- Mineral mix
- Dry fodder (if approved vendor)
- Calf fattening feed packs
❌ Not Allowed
- Buying new animals
- Veterinary medicines
- Farm equipment
- Cash withdrawal
Common Mistakes Farmers Should Avoid
- Using someone else’s mobile number
- Providing wrong animal count
- Giving fake animal photos
- Delaying field visits
- Not answering verification calls
- Buying unapproved feed
- Selling calves early (before loan maturity)
How to Check Application Status
You can check status through:
✔ 1. SMS Method
Send CNIC to 8070 again — system will return your status.
✔ 2. Bank Contact (BOP)
Visit your nearest BOP branch, provide CNIC.
✔ 3. Livestock Office
Local DLO office can check SPMS data.
Benefits of CM Punjab Livestock Card 2025
- No interest / no markup
- Easy SMS-based registration
- Digital transparency
- Boosted fattening cycles
- Higher farmer profit
- E-credit reduces mismanagement
- Supports rural economy
- Encourages modern feed practices
Who Cannot Apply?
- Farmers owning fewer than 5 calves
- Government defaulters
- Those banned in previous loan cycles
- Farmers with SIM not registered to their CNIC
- Farmers flagged by AML/Tasdeeq screening
Helpline & Official Links
- Livestock Helpline: 08000-9211
- Apply SMS: PLC CNIC → 8070
- Livestock Department: https://livestock.punjab.gov.pk
- Forms & Documents: https://livestock.punjab.gov.pk/forms
- Bank of Punjab Livestock Card Page: bop.com.pk/CMPunjabLivestockCard
Frequently Asked Questions (FAQs)
Q1: How much loan can a farmer get?
Between 135,000 to 270,000 PKR depending on number of calves.
Q2: Is the loan interest free?
Yes — 0% markup, guaranteed by Punjab Govt.
Q3: How do I apply?
SMS: PLC CNIC → 8070.
Q4: Can women farmers apply?
Yes — eligibility is livestock-based, not gender-based.
Q5: Is there any application fee?
No — only a small card issuance fee at the bank.
Q6: Can I buy medicines with the card?
No — only feed inputs.
Final Words
The CM Punjab Livestock Card 2025 is one of the most empowering projects for small livestock farmers in Punjab. With zero interest, digital control, and quick SMS registration, it enables farmers to increase income through improved calf fattening cycles.
If you meet the eligibility criteria, apply today using the SMS method and prepare your documents for quick approval.