Check Masawaat in Punjab: Rs 3,000 a Month and Loans Up to Rs 100,000 for Transgender Persons

Short answer: Masawaat is a Punjab Social Protection Authority (PSPA) programme for transgender persons. It pays Rs 3,000 a month to elderly transgender persons and Rs 2,000 a month to disabled ones, and offers interest-free business loans up to Rs 100,000. The PSPA page is undated and gives no form, so start with the 1221 helpline.

Masawaat is for transgender persons, not for disabled people in general

The programme's name appears next to the PSPA's disability scheme on the same menu, so it is easy to mix them up. The Masawaat page is clear. It was launched under the Transgender Persons' Welfare Policy and serves transgender persons in Punjab.

A disabled person who is not transgender should read our guide to the interest-free loan for disabled persons and the Humqadam programme instead.

Two monthly payments are unconditional

Unconditional means the money comes with no test or task in return. The PSPA page names two groups: elderly transgender persons at Rs 3,000 a month and disabled transgender persons at Rs 2,000 a month. These are the two amounts we read, and the page is undated.

The page does not give an age for "elderly". It also does not say what proof of disability it accepts. If you have a disability certificate, keep it ready. Our guide to the disability certificate and special CNIC explains how to get one.

The page says the money can be taken from HBL Konnect, Alfa Pay or UBL Omni cash-out agents across Punjab. Branchless banking agents are small shops that pay out cash against your CNIC. Ask the agent to show you the amount on the screen before you sign anything.

Loans are interest-free and run through the Small Industries Corporation

The page says all registered transgender persons in Punjab can receive interest-free loans for a small business. The PSPA works with the Punjab Small Industries Corporation (PSIC) for this, and the ceiling is Rs 100,000. Interest-free means you repay only the amount you borrowed.

The page does not say what "registered" means. It may mean a government record, but we could not confirm it. It also gives no repayment period, no guarantor rule and no application form. Treat those as unknown until the helpline answers.

The same PSPA and PSIC partnership runs a loan scheme for disabled persons, where the lender is Akhuwat. For how that lender works in general, see how to apply for an Akhuwat interest-free loan.

The page gives no application route, so use the helpline

We found no form, portal or deadline for Masawaat. The authority publishes a 24 hour helpline, a landline and email. Use them in this order, and write down what you are told.

1. Decide which benefit you need: the monthly payment, the loan or the medical camp.
2. Keep your CNIC and any disability certificate ready.
3. Call the Social Protection Helpline 1221 and ask how to register for Masawaat.
4. Note the name of the person, the date and any reference number.
5. Ask for any office address and visiting hours in writing or by SMS.

The head office is at 78-79, D-Block, New Muslim Town, Wahdat Road, Lahore. The contact page lists +92-42-99231758 and +92-42-99232355, and complaints@pspa.punjab.gov.pk for complaints.

Protect yourself from people who sell access

The Masawaat page does not mention any fee. We read no rule that lets anyone charge to register you, to approve a loan or to release a payment. If somebody asks for money or for your fingerprint and SIM, stop and call 1221 or the complaints email.

Do not give your CNIC photo, an OTP or a wallet PIN to a middleman. A loan is repaid in full, so borrow only what your work can return. A small, steady business is safer than one large amount. Write down what the loan will buy, how much you expect to earn each month, and the day each repayment falls due.

Other PSPA programmes sit on the same menu

Masawaat is one of ten programmes the authority lists, and each has its own rules, so a household can check more than one.

The PSPA lists ten programmes in its menu: Humqadam, Zewar-e-Taleem, Sila-e-Fun, the income scheme for disabled persons, Nayee Zindagi for acid attack victims, Masawaat, the Punjab Socio-Economic Registry, Aaghosh, Khud Mukhtar and Bunyad.

Two more that may help a household are the Zewar-e-Taleem stipend for girls and the Sila-e-Fun pension for elderly artists. The Punjab Socio-Economic Registry is the survey database the province is building to target such programmes.

Common questions

Is Masawaat for disabled persons?

It is for transgender persons. Disabled transgender persons get Rs 2,000 a month under it, but the programme is not a general disability scheme.

How much does Masawaat pay each month?

Rs 3,000 for elderly transgender persons and Rs 2,000 for disabled transgender persons, says the PSPA page.

How big is the loan?

Up to Rs 100,000, interest-free, through the PSPA and the Punjab Small Industries Corporation.

How do I apply?

The page gives no form. Call 1221 and ask how to register.

Where is the money paid?

The page names HBL Konnect, Alfa Pay and UBL Omni cash-out agents across Punjab.

How we verified this

What we checked, where we read it, and what we could not confirm.

Last checked on Sunday 11 October 2026. We read the PSPA's Masawaat Program page, its programme menu, home page and contact page. The page carries no date, so amounts may have changed. We did not call 1221.