All CM Punjab Schemes — Complete List (2026)

Q: Which scheme should I apply for first if I qualify for several?

Prioritise the scheme with the most pressing immediate need and the most time-sensitive application window. For example, if Honhaar Scholarship's application window closes soon and your Roshan Gharana Solar can wait, complete Honhaar first. Welfare schemes like Ration Card and Nigahban have rolling enrolment and are less time-pressured than annual scholarship cycles.

The Maryam Nawaz Sharif provincial government has launched a wide range of welfare, education, agriculture and infrastructure schemes across Punjab since assuming office in early 2024. The sheer number of schemes — covering students, farmers, women, elderly, vulnerable populations and small businesses — can be confusing for citizens trying to identify which schemes they qualify for and how to apply. This page organises the major active schemes by category and links to detailed guides for each.

Education and skills development schemes

Punjab runs several flagship education schemes targeting different stages of the student journey.

CM Punjab Laptop Scheme

Free laptops for high-achieving university students. Distributed annually through a competitive merit-based selection process. The application, eligibility and merit list checking are each substantial enough to warrant their own dedicated guides — see the laptop scheme application guide, the eligibility guide and the merit list checking guide for details.

Honhaar Scholarship Programme

Full tuition coverage for undergraduate students from low-income families. Family income must be under Rs. 50,000/month. Covers public-sector and approved private universities. See the Honhaar application and eligibility guides for the detailed process.

Zewar-e-Taleem Stipend

Quarterly cash transfers to families of girls in government school classes 6-10 in selected districts. Card-based payments with SMS balance checking. The long-running programme continues under the current provincial government.

CM Punjab Internship Programme

Six-month paid internships for fresh graduates across provincial government departments. Monthly stipend of Rs. 60,000-80,000 plus completion certificate. Available across 30+ departments and autonomous bodies.

Health and family welfare schemes

Healthcare access has been a major focus of the current provincial government, with several complementary schemes.

CM Punjab Health Card (Sehat Card Plus)

Universal family health insurance offering up to Rs. 10 lakh annual coverage at empanelled hospitals across Pakistan. The CNIC itself functions as the card — no separate physical issuance. Covers major surgeries, maternity care, cancer treatment and emergency admissions.

Clinic on Wheels Programme

Mobile primary healthcare units visiting remote villages and underserved urban areas on rotating schedules. Free consultations, basic diagnostics, immunisations and medicines. Particularly valuable for areas far from permanent hospitals.

Nigahban Card

Monthly cash support and quarterly food baskets for the most vulnerable — elderly widows, disabled adults, orphans, abandoned elderly. Different support amounts for each vulnerability category, administered through Khidmat Markaz offices.

Dhee Rani Programme

Marriage support for daughters of low-income families — Rs. 100,000 cash plus Rs. 100,000 of household items. Strict eligibility including bride age 18+ and family income under Rs. 50,000/month.

Business and credit schemes

The provincial government has set up several concessional credit schemes to support small and medium businesses across different sectors.

Asan Karobar Scheme

Interest-free business loans up to Rs. 30 lakh for small businesses across most legal categories. Repayment over 36-60 months depending on tier. Quotas for women entrepreneurs and youth.

Green Credit Programme

Concessional 4% interest loans specifically for businesses in green sectors — solar installation, EV services, recycling, organic agriculture, water conservation, eco-tourism. Loans Rs. 500,000 to Rs. 5,000,000.

Apni Chhat Apna Ghar Housing Scheme

Housing loans Rs. 2,000,000-5,000,000 at 3-5% concessional interest over 15-20 years for first-time home builders and buyers. Maximum loan-to-value ratio of 80%.

Agriculture and livestock schemes

Rural Punjab benefits from several agricultural modernisation and support schemes.

Green Tractor Programme

Subsidised tractors (roughly Rs. 1,000,000 subsidy per tractor) for small and medium farmers with 5-50 acres. Selection by lottery rather than merit. Tractors from approved Pakistani manufacturers.

Solar Tubewell Scheme

60-80% subsidy on solar conversion of existing agricultural tubewells. System sizes 5-15 HP matched to tubewell specifications. Substantially reduces ongoing irrigation costs.

Livestock Card

Credit card facility (Rs. 300,000-2,000,000 limit) for registered livestock farmers at 4% interest. Usable for buying animals, feed and veterinary services from registered vendors.

Farm Mechanization Loan

Concessional loans for agricultural equipment beyond tractors — threshers, harvesters, drip irrigation, post-harvest equipment. Rs. 500,000-5,000,000 at 4-6% interest.

Ginger Cultivation Subsidy

Specialised support for first-time ginger growers — 70% seed subsidy, free training, market linkages to processing buyers. Targeted at suitable microclimates in northern and selected southern Punjab.

Energy and infrastructure schemes

Two major schemes address energy access and household infrastructure.

Roshan Gharana Solar Scheme

Tiered solar panel distribution — free 1.1 kW systems for households using under 200 units monthly, subsidised 3 kW and 5 kW systems for higher-consumption households. Net metering included for grid-tied tiers.

E-Bike and E-Taxi Schemes

Electric two-wheelers for students and working professionals through subsidised pricing and monthly instalments. Separate E-Taxi scheme for commercial drivers providing electric cars through Bank of Punjab financing.

Ration Card Programme

Monthly free or subsidised food basket (flour, ghee, sugar, pulses, tea) for households below the NSER Poverty Score Card threshold of 35.

Schemes by application channel

Different schemes use different application channels. Knowing which channel handles which scheme saves time and frustration:

Bank of Punjab branches — Asan Karobar, Green Credit, Apni Chhat Apna Ghar, Roshan Gharana, Livestock Card, Farm Mechanization, E-Taxi.
Online portals — Honhaar Scholarship (pec.gov.pk/honhaar), Laptop Scheme (pmyp.gov.pk), Internship (internships.punjab.gov.pk), Female Ambassador (sbcs.punjab.gov.pk), Solar Tubewell (agriculture.punjab.gov.pk).
Khidmat Markaz offices — Ration Card, Nigahban Card, multi-scheme assistance for applicants who need help navigating the system.
District Social Welfare offices — Dhee Rani (in-person submission only).
District Agriculture Extension offices — Ginger Subsidy, Green Tractor, Solar Tubewell.
Mobile/SMS — Clinic on Wheels schedule lookup (8181), Zewar-e-Taleem balance check (8171).

Tips for navigating multiple schemes

Identify your demographic first — students, farmers, women and low-income families each have schemes specifically targeting them.
Most schemes prohibit combining direct cash transfers — Ration Card cannot be combined with BISP Kafalat, for example. Verify each scheme's combination rules before applying.
NSER registration unlocks multiple schemes — a single NSER registration with a low PSC score qualifies you for Ration Card, Nigahban, Dhee Rani and other welfare schemes simultaneously.
Bank of Punjab credit history matters — successful repayment of one scheme loan improves your profile for subsequent applications under other Bank of Punjab schemes.
Verify current details before applying — scheme rules adjust between cycles. Always check the official notification for the active intake.

Tips for tracking multiple scheme applications

Can I apply for multiple Punjab government schemes at the same time?

Yes, in most cases. Different schemes address different needs and combining them is often beneficial. For example, a farmer could simultaneously hold a Green Tractor, Livestock Card and Solar Tubewell — they cover different aspects of farm operations. The main exception is among direct cash transfer programmes which generally cannot be stacked. Each scheme's rules specify any restrictions, so review carefully before assuming combination is allowed.

Which scheme should I apply for first if I qualify for several?

Are these schemes available throughout the year or only during specific windows?

Schemes vary. Rolling enrolment: Sehat Card, Ration Card, Nigahban Card, Clinic on Wheels (no application needed), Livestock Card. Annual or semi-annual application windows: Laptop Scheme, Honhaar Scholarship, Internship Programme, Female Ambassador. Continuous but subject to annual budget: Asan Karobar, Green Credit, Apni Chhat Apna Ghar, Green Tractor. Check each scheme's notification for current timing.

Do these schemes require Punjab residence, or are people from other provinces eligible?

Almost all CM Punjab schemes require Punjab domicile. Some also require physical residence and current activity (enrolment, employment, business operation) in Punjab. A few specific schemes like Sehat Card have national reach in their treatment networks but applicant registration is Punjab-restricted. Citizens of other provinces should look at their own provincial welfare programmes — Sindh, KP and Balochistan all run analogous schemes through their respective provincial governments.

How do I know if a 'scheme' I have heard about is genuinely a Punjab government programme?

Three checks help avoid scams. First, verify the scheme appears in official communications from the Punjab government — newspaper notifications, the punjab.gov.pk website, or the Information Department's press releases. Second, check that the application channel makes sense for a government scheme (official portal, Bank of Punjab, Khidmat Markaz, district office) rather than an unknown website or middleman. Third, government schemes never demand upfront payments for 'guaranteed selection' or 'priority processing' — these are clear scam markers.

Are there fees for applying to Punjab government schemes?

Most schemes have either no fee or a small fee in the Rs. 1,000-7,500 range to cover processing costs. The specific fee, if any, is published in the official notification and listed on each scheme's dedicated page in this site. Any 'agent' or 'consultant' offering to expedite application processing for additional payments should be refused — official application channels do not use intermediaries and additional payments do not improve selection chances.

Where to get help if you are stuck

Three channels reliably provide help to citizens navigating Punjab schemes:

Khidmat Markaz offices — present in every tehsil headquarters. Trained staff assist with applications, document checks and channel guidance. The service is free.
Provincial helpline 1242 — Punjab government's general citizen services helpline. Available during business hours. Staff can route queries to the appropriate scheme office.
Female Ambassadors in covered districts — trained women providing scheme guidance specifically to women applicants, often in their homes or at community gathering points.

Scheme details summarised above reflect the active Punjab government programmes as of early 2026. The provincial government adjusts scheme parameters between fiscal years and occasionally launches new initiatives — verify current details for any specific scheme through its dedicated guide and the official notification for the active intake.