Punjab Kissan Card Bill Due 26 October 2026, New Loan in 48 Hours After Payment
Punjab Kissan Card holders get a bill SMS on 15 October and must pay by 26 October 2026 at Bank of Punjab or via Raast. The next loan follows within 48 hours.
Short answer: Punjab farmers who used money on the CM Punjab Kissan Card must repay it by 26 October 2026. The bill arrives by SMS on 15 October 2026. Pay at any Bank of Punjab branch, by interbank transfer or through Raast ID. Once you pay, the next interest-free loan is credited to the card within 48 hours, and you enter a lucky draw for tractors, motorcycles and mobile phones.
The Punjab Agriculture Department announced the repayment drive in a press release dated 9 October 2026. It calls this the recovery of the fourth phase of the Kissan Card. We read that release, and the Punjab government's own page on the scheme, on 10 October 2026.
The timing matters. Wheat sowing starts this month, and most farmers want the card topped up before they buy seed and fertiliser. Paying on time is the fastest way to get the money back on the card.
Kissan Card bills go out on 15 October and must be paid by 26 October
Every farmer who spent money through the card will get a bill payment message on 15 October 2026. The deadline to pay the full outstanding amount is 26 October 2026. That leaves 11 days between the message and the last date.
The release uses the words "zimma wajib-ul-ada raqam", which means the amount you owe. It does not mention any interest, surcharge or late fee. The Punjab government describes the card as an interest-free loan, so the bill should equal what you spent on inputs.
| Date | What happens |
|---|---|
| 9 October 2026 | Agriculture Department announces the fourth phase recovery |
| 15 October 2026 | Bill payment SMS reaches every card holder who used funds |
| 26 October 2026 | Last date to pay the outstanding amount |
| Within 48 hours of paying | Next interest-free loan credited to the same card |
| After the deadline | Lucky draw among farmers who paid on time |
The release does not give a date for the draw. It also does not say what happens to a farmer who misses 26 October. Treat the date as firm.
Three ways to pay the Kissan Card bill
The department names three payment routes: a Bank of Punjab branch, an interbank transfer, or Raast ID. Use the amount in your 15 October SMS, not a figure from memory, because the bill is what the bank records.
- Wait for the bill SMS on 15 October 2026 and note the amount owed.
- Pay at your nearest Bank of Punjab branch, or send the amount by interbank transfer from any bank app.
- If you use a mobile wallet or bank app, you can pay through Raast ID instead. Raast is the State Bank's free instant payment system, and sending money through Raast takes a few seconds.
- Keep the receipt or the transaction ID until the new loan shows on your card.
- Check for the credit within 48 hours. If it does not arrive, call the Agriculture Helpline 0800-17000 with your CNIC and receipt.
Pay a few days early. Bank and app systems slow down near any deadline, and a payment sent late at night on 26 October may not post the same day.
Paying on time puts you in a draw for tractors, motorcycles and phones
Farmers who clear their bill by 26 October 2026 enter a lucky draw. The release says prizes worth "crores of rupees" will be given, including tractors, mobile phones and motorcycles. It calls the draw transparent but does not list how many prizes there are or how winners will be told.
That is a nice extra. The real reward is the 48 hour turnaround. A farmer with 5 acres can draw up to Rs 150,000 a season on the card, and that money arriving before sowing is worth more than any prize.
Be careful with calls or messages saying you have won. The department has not said winners will be contacted by phone, and it has not asked for any fee. No real prize asks you to pay first.
The Kissan Card is an interest-free input loan of up to Rs 150,000 a season
The CM Punjab Kissan Card gives farmers with up to 12.5 acres an interest-free loan to buy farm inputs such as fertiliser and seed. The limit is Rs 30,000 an acre, up to Rs 150,000 a season, according to the Punjab government's scheme page.
The Bank of Punjab issues the card. Each card runs for six months, with one month of grace afterwards to repay. Funds can only be spent at authorised dealers, and the list of registered Kissan Card dealers shows where the card actually works.
| Feature | What the Punjab government page says |
|---|---|
| Who qualifies | Farmers with land up to 12.5 acres, land record on PLRA |
| Loan limit | Rs 30,000 an acre, up to Rs 150,000 a season |
| Interest | None |
| Card life | Six months, plus one month grace to repay |
| Use | Agricultural inputs only, such as fertiliser and seed |
| Registration | SMS "pkc" space CNIC to 8070 |
Farmers who have not joined yet can follow the steps to apply for the Punjab Kissan Card. The SIM used must be registered on your own CNIC.
Repay first, then buy seed and fertiliser for wheat
For most card holders this repayment runs straight into the wheat season. The Agriculture Department's 6 October release puts wheat sowing on barani, or rain-fed, land from 15 October to 15 November. Irrigated land follows in November. The wheat sowing dates and seed rates for Punjab set out the window by area.
Input prices are high this month. DAP averaged Rs 17,128 a bag in the week to 8 October, as our report on urea and DAP prices shows. So the order matters: clear the bill, wait for the fresh credit, then buy.
A defaulter loses more than the draw. The Green Tractor scheme terms bar Kissan Card defaulters from applying, so missing this date can shut you out of other Punjab farm schemes too.
Common questions
What is the last date to pay the Kissan Card bill?
26 October 2026. The Punjab Agriculture Department set this date in its 9 October release.
When will I get the Kissan Card bill SMS?
On 15 October 2026. Every holder who used funds will get a bill payment message that day.
How can I pay my Kissan Card bill?
At any Bank of Punjab branch, by interbank transfer, or through Raast ID from a bank or wallet app.
When will the new Kissan Card loan come?
Within 48 hours of paying the bill, according to the Agriculture Department.
Is there interest on the Kissan Card?
No. The Punjab government describes it as an interest-free loan for farm inputs.
Who is in the Kissan Card lucky draw?
Card holders who pay the full outstanding amount by 26 October 2026. Prizes include tractors, motorcycles and mobile phones.
How we verified this
What we checked, where we read it, and what we could not confirm.
We read these pages on 10 October 2026.
- Punjab Agriculture Department, press releases (release of 9 October 2026, in Urdu)
- Government of Punjab, CM Kissan Card Scheme
The release does not give the number of prizes, the draw date or any late payment penalty. We will update this page if the department publishes them.
About the author
Tax, Bills and Technology Writer
Ali Akhtar is a young and curious voice here at Pakistan Era. He is currently pursuing his A-Levels and has a growing interest in Pakistan’s changing industrial landscape and educational trends. Ali likes to write in a way that helps him explain and explore the world around him. His writing reflects the perspective of the new generation navigating the evolving trends of Pakistan where technology, youth innovation, and shifting opportunities are reshaping the country’s future.
