Federal Welfare Schemes in Pakistan 2026: BISP Kafaalat, Taleemi Wazaif, Nashonuma, Bait-ul-Mal, EOBI and 2 More
All 7 federal welfare schemes in Pakistan for 2026: BISP Kafaalat Rs 14,500 a quarter, Taleemi Wazaif, Nashonuma, Hunarmand, Bait-ul-Mal and EOBI pensions.
Short answer: Pakistan's federal government runs seven main welfare schemes in 2026. BISP's Kafaalat pays Rs 14,500 a quarter, set to rise to Rs 18,000 from January 2027. BISP also runs Taleemi Wazaif school stipends of Rs 1,500 to Rs 4,000 a child each quarter, Nashonuma for mothers and young children, and free Hunarmand skills training. Pakistan Bait-ul-Mal gives medical and education help, and EOBI pays a minimum pension of Rs 11,500 a month.
Federal schemes work the same in every province, Islamabad, Azad Kashmir and Gilgit-Baltistan. Provinces run their own schemes on top, such as Sehat Card Plus in Khyber Pakhtunkhwa or Mamta in Sindh. The table below lists each federal scheme, who it is for and how to check. BISP's only official SMS number is 8171.
All 7 federal welfare schemes at a glance
Four of the seven schemes belong to BISP and need the family to be on BISP's register first. Pakistan Bait-ul-Mal takes applications from any poor family, and EOBI pays workers who were registered by their employers. None charges a fee to apply.
| Scheme | Run by | Who it is for | What it gives |
|---|---|---|---|
| Benazir Kafaalat | BISP | Poor families with a PMT score of 32 or less (37 with a disabled member) | Rs 14,500 a quarter, Rs 18,000 from January 2027 |
| Benazir Taleemi Wazaif | BISP | Children aged 4 to 22 of Kafaalat families, in school | Rs 1,500 to Rs 4,000 a child each quarter |
| Benazir Nashonuma | BISP | Pregnant and breastfeeding women and children under two in Kafaalat families | Rs 3,500 a quarter for a pregnant woman, Rs 3,500 for a boy and Rs 4,000 for a girl |
| Benazir Hunarmand | BISP | One member per BISP family, aged 18 to 40, Matric pass | Free skills training |
| Medical assistance | Pakistan Bait-ul-Mal | Poor patients at government hospitals | Medicines and devices, for example up to Rs 200,000 for a kidney transplant |
| Education stipend | Pakistan Bait-ul-Mal | Poor students | Fees of a government institution, up to Rs 30,000 a year after Matric |
| Old-age and survivor pension | EOBI | Registered private sector workers and their families | Minimum Rs 11,500 a month |
Benazir Kafaalat pays Rs 14,500 a quarter
Benazir Kafaalat is BISP's main cash payment, Rs 14,500 per family each quarter. The government's own policy letter to the IMF, published in May 2026, commits to raising it to Rs 18,000 from January 2027. Check your status by sending your CNIC number to 8171.
BISP decides eligibility with a Proxy Means Test (PMT) score from 0 to 100, worked out from a household survey. A lower score means a poorer family. The cut-off is 32, or 37 if the household has a person with a disability. You cannot see your own score, but 8171 tells you the result.
If 8171 says you are not eligible and your situation has changed, ask for a fresh survey at your BISP tehsil office. See how much the BISP payment is, how the PMT cut-off works and how to update your survey.
Three more BISP programmes for children, mothers and skills
BISP adds three programmes for Kafaalat families: Taleemi Wazaif stipends for schoolchildren, Nashonuma support for mothers and babies, and Hunarmand skills training. Each has its own enrolment, usually at a BISP office or camp, and each needs NADRA papers.
Taleemi Wazaif. Per child, per quarter: Rs 1,500 for a boy and Rs 2,000 for a girl at primary, Rs 2,500 and Rs 3,000 at secondary, and Rs 3,500 and Rs 4,000 at higher secondary. Girls who finish primary get a one time bonus of Rs 3,000. The child must attend at least 70 per cent of school days. Enrol with the mother's CNIC, the child's B-form and a school admission slip. See Taleemi Wazaif amounts.
Nashonuma. For pregnant or breastfeeding women in Kafaalat families, and children under two. BISP lists Rs 3,500 a quarter for a pregnant woman, Rs 3,500 for a boy and Rs 4,000 for a girl, linked to health visits and vaccination. Bring a valid CNIC, a pregnancy screening from a registered facility, the child's NADRA family registration certificate (FRC) and an EPI immunisation card. See the Nashonuma documents guide.
Hunarmand. Free skills training for one member of each BISP family, aged 18 to 40 with at least Matric. Register on BISP's Hunarmand portal or at your tehsil office. See how to register for Hunarmand.
Pakistan Bait-ul-Mal pays for treatment and schooling
Pakistan Bait-ul-Mal (PBM) helps poor families who may not be on BISP's register. Its medical help pays for medicines, implants and devices at government hospitals, and its education help pays fees directly to the institution. PBM publishes 13 application forms on its website.
PBM's policy lists up to Rs 200,000 for a kidney transplant through a government hospital. The grant must be agreed before treatment and is paid to the hospital, so past bills are not refunded. For a patient, the hospital's Social Welfare Officer completes the form. For students, the policy table pays the fee of a government institution, up to Rs 30,000 a year after Matric.
- Download the right form from PBM's Forms page, or collect it from the PBM district office.
- Attach a copy of your valid CNIC, or the child's B-form for a patient or student under 18.
- For medical help, have the hospital's Social Welfare Officer complete the form.
- For education, have the institution fill the education certificate, without cutting or overwriting.
- Send it with an application to the Managing Director of PBM, and keep a copy.
See all 13 Bait-ul-Mal forms and the medical help rules.
EOBI pays at least Rs 11,500 a month to retired workers
The Employees' Old-Age Benefits Institution (EOBI) runs the federal pension for private sector workers registered by their employers. The minimum old-age pension is Rs 11,500 a month from January 2025, and a surviving spouse gets the same minimum for life.
If a worker dies in service, the record must show at least 36 months of insurable employment for the family to claim. The claim goes to the EOBI regional office with documents led by the death certificate, a NADRA FRC and an indemnity bond. See how to claim an EOBI survivor's pension.
Common questions
How much is the BISP payment in 2026?
Rs 14,500 a quarter for Kafaalat. The government has committed to Rs 18,000 from January 2027.
What is BISP's official number?
8171 is the only official SMS number. Send your CNIC number to it to check eligibility and payment.
Can I get BISP and Bait-ul-Mal help together?
They are separate bodies with separate forms. Ask the Bait-ul-Mal district office whether your case qualifies alongside BISP.
Who can get Benazir Taleemi Wazaif?
Children aged 4 to 22 of Kafaalat families who are admitted to a school or college and attend at least 70 per cent of days.
What is the minimum EOBI pension?
Rs 11,500 a month from January 2025, for both the old-age pension and the survivor's pension.
Do federal schemes charge a registration fee?
No. BISP, Bait-ul-Mal and EOBI forms are free. Anyone asking for money to register you is not from these bodies.
How we verified this
What we checked and where we read it.
Compiled on 14 November 2026 from our scheme guides and the official pages they cite: BISP programme pages and its Hunarmand portal, the Government of Pakistan's policy letter in the IMF third review, May 2026, Pakistan Bait-ul-Mal's Forms page and policy, and EOBI with its survivor pension form.
About the author
Public Services and Education Journalist
Fajr Riaz is a journalist and content writer at Pakistan Era, based in Lahore. She covers the questions people meet in everyday life in Pakistan: how a public service works, what a change in the rules means, and where to find a reliable answer.
