Livestock Card Phase 2
Livestock Card Phase 2: The Punjab government has officially launched the second phase of the Livestock Card Scheme under the visionary leadership of Chief Minister Maryam Nawaz Sharif. This initiative is designed to uplift small livestock farmers by providing them with interest-free loans for purchasing animal feed and other essential agricultural inputs. After the successful completion of the first phase, the second phase of this program aims to reach a greater number of farmers across Punjab, ensuring the availability of affordable livestock feed and promoting better animal health and productivity.
The Livestock Card Phase 2 is a major step toward economic empowerment in rural Punjab. Livestock farming is a vital source of income for millions of families, and this scheme addresses their financial needs by giving them direct access to funds through a digital card system. By supporting farmers who own five to ten animals, the government ensures that small-scale farmers can improve their production capacity and contribute more effectively to the province’s agricultural economy.
Purpose and Vision of the Livestock Card Scheme
The main goal behind the Livestock Card Phase 2 is to strengthen the livestock sector by improving the financial stability of small farmers. Many farmers struggle to afford quality feed, minerals, and silage for their animals, which affects milk yield and animal health. The Livestock Card provides them with easy access to interest-free credit that can be used exclusively for livestock feed and nutritional products.
This program aligns with the government’s broader vision of inclusive agricultural growth. It integrates financial inclusion, technology, and agriculture, empowering farmers to manage their resources efficiently. Through the Livestock Card, the Punjab government aims to reduce poverty in rural areas and create a sustainable and modern livestock economy.
Targeted Inputs for Farmers
The Livestock Card Phase 2 focuses on providing targeted agricultural inputs essential for the well-being of livestock. These inputs are available at approved stores, ensuring that farmers purchase only quality products. This approach not only improves the health of animals but also enhances the production of milk and meat, directly increasing farmers’ income.
- Wanda (high-quality animal feed for dairy and beef animals)
- Silage (fermented green fodder used as nutritious animal feed)
- Mineral mixture (essential vitamins and minerals to boost animal growth)
After obtaining these items using the Livestock Card, farmers experience improved animal growth and milk productivity, which leads to higher profitability and better food security in the region.
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Farmer Categorization and Loan Size
The Punjab Livestock Card targets small-scale farmers to ensure equitable financial distribution. Only those with limited livestock are eligible, making the program fair and effective for those who need it most. Farmers owning 5 to 10 male calves or young stock (buffalo or cows) can apply for the card.
The loan size is based on the number of animals owned. Each farmer receives Rs. 27,000 per animal, making it easier to manage feed and nutrition costs. The total loan amount can range from Rs. 135,000 to Rs. 540,000 depending on the number of animals. The scheme offers these funds at zero percent interest, removing the burden of interest payments for small farmers.
Eligibility Criteria for Farmers
To maintain transparency and ensure that only genuine livestock owners benefit, the Livestock Department has established clear eligibility criteria. Farmers must complete verification and meet all requirements before being issued a Livestock Card.
- Registration in the Livestock Department database
- Ownership of 5 to 10 male calves or young stock
- Valid CNIC (Computerized National Identity Card)
- Mobile number registered in the applicant’s own name (PMD validation)
- Successful NADRA Verisys verification
- Screening against negative lists and AML compliance checks
- No record of previous loan defaults (as per Tasdeeq Bureau)
After meeting these conditions, eligible farmers receive approval for the Livestock Card. Any application that fails screening or verification is declined. Additionally, late payment or loan default will make the farmer ineligible for the next credit cycle.
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Online Registration Process via plc.punjab.gov.pk
Farmers can now easily register for the CM Livestock Card through the official government portal. The online process is simple, user-friendly, and available to farmers across Punjab. Applicants need to fill in their basic details accurately to complete the registration.
- Visit the official website: https://plc.punjab.gov.pk/
- Click on “Farmer Registration for CM Livestock Card.”
- Fill in the following details carefully:
- Farmer Name (کسان کا نام) – Enter your full name
- CNIC (شناختی کارڈ) – Enter your valid CNIC number
- Mobile Number (فون نمبر) – Provide your active mobile number
- Alternative Mobile Number (قریبی رشتہ دار کا رابطہ نمبر) – Enter a relative’s contact number for emergency communication
- District (ضلع) – Select your district from the dropdown list
- Tehsil (تحصیل) – Choose your respective tehsil
- Mouza (موضع) – Enter your village or mouza name
- Captcha – Enter the characters shown in the image to verify your submission
After submitting the form, the data is verified by the Livestock Department. Once approved, the applicant will be contacted through SMS or call for further steps, such as card issuance and activation.
Features and Benefits of Livestock Card Phase 2
The Livestock Card comes with several features that make it both practical and impactful for small farmers. It promotes digital payments, provides subsidies, and ensures transparency. Before listing the benefits, it’s important to understand that this card acts like a financial tool, allowing farmers to buy animal feed directly from approved vendors.
- Interest-free loans with no service or processing charges
- 25% subsidy on livestock feed and nutrition products
- Easy repayment plans with flexible schedules
- Digital transaction system ensuring transparency
- Simple application process through SMS or online registration
- Helps farmers purchase Wanda, silage, and mineral mixture easily
After availing these benefits, farmers experience improved herd management and financial stability. The card ensures that livestock owners no longer rely on high-interest informal loans for their feed requirements.
Screening and Monitoring Procedures
The Livestock Card program has built-in monitoring and screening procedures to ensure fairness and accountability. Each applicant’s information is cross-verified with government databases. The NADRA Verisys and Tasdeeq Bureau confirm the applicant’s identity and loan history before approval.
Additionally, each card issued is recorded in the core banking system. The Sanctions Screening Unit monitors ongoing activity and ensures compliance with Anti-Money Laundering laws. This strict verification helps maintain transparency and protects public funds from misuse.
Loan Repayment and Conditions
Repayment under this scheme is designed to be stress-free and flexible. Farmers can repay their loans through small installments without paying any interest. Since the Livestock Card operates on a 0% credit model, it is particularly helpful for small farmers struggling with high feed prices.
However, in case of late payment or default, the farmer becomes ineligible for the next credit cycle. This policy encourages responsible use of credit and ensures the sustainability of the program.
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Age and Demographic Requirements
The Livestock Card Phase 2 is open to all livestock farmers across Punjab, provided they meet the eligibility criteria. The minimum age requirement is 18 years, and there is no upper age limit. This inclusivity ensures that both young entrepreneurs and experienced farmers can take part in the scheme.
By including all age groups, the program promotes entrepreneurship among youth and provides senior farmers the financial stability needed to sustain their operations.
Table: Key Features of Livestock Card Phase 2
Before reviewing the table, it’s essential to recognize that each feature has been designed to directly benefit the small livestock farmer, ensuring affordability and accessibility.
| Feature | Description |
|---|---|
| Loan Limit | Rs. 135,000 to Rs. 540,000 |
| Interest Rate | 0% (Interest-Free Credit) |
| Per Animal Credit | Rs. 27,000 |
| Eligible Farmers | 5–10 animals per farmer |
| Required Inputs | Wanda, Silage, Mineral Mixture |
| Registration Method | Online, SMS (8070), or Helpline (9211) |
| Minimum Age | 18 years |
| Subsidy | 25% discount on selected items |
After examining the table, it becomes clear that the Livestock Card offers a complete financial and resource package for small farmers, making it easier for them to run successful livestock businesses.
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Economic Impact and Future Prospects
The Livestock Card Phase 2 has already begun transforming Punjab’s rural economy. It directly benefits thousands of small farmers who rely on livestock as their main income source. With easy access to feed and interest-free loans, these farmers can now improve animal health and increase productivity.
This initiative also promotes sustainable farming practices and financial discipline. As more farmers adopt the program, the province’s milk and meat production is expected to grow, creating new opportunities in the dairy and livestock industries.
Final Words
Livestock Card Phase 2 is a groundbreaking initiative by the Punjab government aimed at empowering small farmers through financial inclusion and modern livestock management. It gives farmers direct access to interest-free credit, quality feed, and digital transactions, helping them grow their businesses sustainably.
By combining technology and agricultural support, this program ensures that every eligible farmer in Punjab can improve their livelihood. The Livestock Card is not just a financial product,it’s a long-term investment in the prosperity and stability of Pakistan’s rural economy.
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FAQs
What is the CM Livestock Card?
The CM Livestock Card is a government-issued card that provides small farmers with interest-free loans to buy livestock feed and other essentials.
How can farmers apply online for the Livestock Card?
Farmers can visit https://plc.punjab.gov.pk/, fill out the online registration form, and submit it after entering their details and captcha.
Who is eligible to apply?
Farmers owning 5 to 10 animals, registered with the Livestock Department, and having valid CNICs are eligible.
What is the maximum loan amount available?
Farmers can receive up to Rs. 540,000 based on Rs. 27,000 per animal.
Is the loan interest-free?
Yes, the Livestock Card offers 0% interest, making it completely affordable for small livestock farmers.