KP Welfare Schemes 2026 List: Sehat Card Plus, Sahara, Umeed, Taaleem Card and 3 More in Khyber Pakhtunkhwa

KP families can also get federal help from BISP, which is separate from all of these. The table below shows each provincial scheme, who it is for and where to apply. Each scheme then has its own short section with the documents and the check you can do today.

All 7 KP welfare schemes at a glance

The seven schemes fall into three groups: health cover for every resident, Zakat cards for widows, orphans, disabled persons and the very poor, and two targeted schemes for girls' schooling and young entrepreneurs. Apply to the office named in the last column, never to an agent.

Sehat Card Plus covers hospital stays for every KP family

Every permanent resident of KP registered with NADRA is covered by Sehat Card Plus automatically. Your CNIC is the card. It pays for admission at empanelled hospitals, not for outpatient visits. Check by sending your CNIC number by SMS to 8500 or 9780.

From 1 July 2026 the programme lists Rs 40,000 per family member for secondary care, such as ordinary surgery and childbirth at district hospitals, and Rs 400,000 per family for tertiary care, such as heart disease, cancer and dialysis. A further reserve opens for dialysis, cancer, heart and ICU patients if funds allow. The toll-free line is 0800-89898.

If the hospital says your family "is not in the system", the problem is usually the family record at NADRA. Full details are in our guide to checking Sehat Card Plus eligibility, and if a hospital refuses you, see how to complain about a Sehat Card Plus hospital.

Three Zakat cards help widows, orphans and disabled persons

The KP Social Welfare Department's Zakat wing runs the Sahara Card for widows, the Ehsaas Umeed Card for persons with disabilities and Roshan Mustaqbil for orphans. All three use a free paper form handed in at your Local Zakat Committee, not an online portal.

Sahara Card. A widow can register if she is 30 or above, is not a government employee or pensioner, does not draw her late husband's pension, and has no business, plot or fixed income in her name. Attach a NADRA family registration certificate (FRC), your husband's death certificate and a copy of your CNIC. Reports of the monthly amount differ, so ask your committee. See how to apply for the Sahara Card.

Ehsaas Umeed Card. Any disability, mild to severe, can apply: hearing, visual, mental or physical. A child can be registered on a B-form, with a guardian collecting the money. Attach a disability certificate or special CNIC. The provincial government announced Rs 5,000 a month for 10,000 persons in August 2026; the form itself prints no amount. See how disabled persons apply for the Umeed Card.

Roshan Mustaqbil. The orphans' card uses the same committee route and form download page as the other two.

1. Download the form from the Zakat section of the KP Social Welfare Department's downloads page, or ask your Local Zakat Committee for it.
2. Fill it in. The forms are in Urdu.
3. Attach copies of your CNIC or B-form and the papers the form asks for, such as an FRC or disability certificate.
4. Hand it to your Local Zakat Committee chairman before the last date.
5. About a month after the last date, check your status by CNIC on the department's Zakat search portal.

The Zakat guzara allowance is Rs 2,000 a month

The KP Zakat Disbursement Regulations 2021 set the basic guzara allowance at Rs 2,000 a month per person, or as the provincial Zakat Council decides. It is the regular support for poor adults with no income, and it also goes through your Local Zakat Committee.

The guzara allowance is separate from the Sahara and Umeed cards, which are larger schemes paid on top. A committee decides who deserves help, the district committee checks the papers, and the province pays. The Sahara form allows one beneficiary per household, so ask the chairman which scheme suits your family before you apply for more than one.

The Taaleem Card pays Rs 1,000 a month to keep girls in school

The KP Taaleem Card pays Rs 1,000 a month for each out-of-school girl who joins and stays in school, in 9 pilot districts. The Elementary and Secondary Education Department says it covers 40,000 girls, uses the BISP poverty score, and asks for 80 per cent attendance.

The money comes from the Chief Minister's Education Emergency Endowment Fund, with Rs 3 billion approved. The girl must be out of school, and the family must qualify on the BISP poverty score. The department has not yet published an application form or the list of districts. See who qualifies for the KP Taaleem Card.

Ehsaas Naujawan lends Rs 1 to 5 million with no mark-up

The Ehsaas Naujawan Programme lends Rs 1 million to Rs 5 million, with no mark-up, to a registered firm of 3 to 5 partners, all aged 18 to 35 and living in KP. It runs through the Bank of Khyber, and you apply online. One person cannot apply alone.

Repayment runs up to 8 years with a grace period of up to 20 months. The partners put in 10 per cent of the project themselves, and every partner gives a personal guarantee. The scheme covers all KP districts, including the merged districts. See how to apply for Ehsaas Naujawan.

BISP still pays KP families separately

BISP is a federal programme, so a KP family can draw it alongside provincial schemes where the rules allow. Check BISP eligibility by sending your CNIC number to 8171, the only official BISP number, and ignore any other number.

See how to check BISP eligibility on 8171. Several KP schemes, including the Taaleem Card, use BISP's poverty score, so updating your BISP survey can help with provincial schemes too.

Common questions

Do I need to register for Sehat Card Plus in KP?

No. Every permanent KP resident registered with NADRA is covered automatically. Send your CNIC number to 8500 or 9780 to check.

Which KP schemes can I apply for online?

Ehsaas Naujawan is online through the Bank of Khyber. The Sahara, Umeed and Roshan Mustaqbil cards use paper forms at your Local Zakat Committee.

Who can get the Sahara Card in KP?

A widow aged 30 or above with no government job or pension, no family pension and no business, plot or fixed income in her name.

How much is the Zakat guzara allowance in KP?

The KP Zakat Disbursement Regulations 2021 set it at Rs 2,000 a month per person, or as the provincial Zakat Council decides.

Can a disabled child get the Umeed Card?

Yes. The form accepts a B-form, and a guardian can receive the payment for the child.

Does any KP scheme charge a registration fee?

No. All these forms are free. Anyone asking for money to register you is not from the department.

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: the KP Social Welfare Department Zakat downloads page and its Zakat search portal, the Sehat Card Plus programme site run by State Life, the KP Taaleem Card page of the Elementary and Secondary Education Department, and the Bank of Khyber's Ehsaas Naujawan pages.