Maryam Nawaz Launches Himmat Card Phase 3
Maryam Nawaz Launches Himmat Card Phase 3: The Punjab government has introduced another strong step in its welfare agenda for differently-abled citizens. Chief Minister Maryam Nawaz formally launched Phase 3 of the Himmat Card programme in 2025, expanding financial coverage and mobility support to thousands of new beneficiaries. The initiative aims to provide sustainable assistance through a secure, digital process while also promoting inclusion and empowerment.
With this phase, the programme’s total outreach will cross 100,000 beneficiaries across Punjab before the end of 2025. The government’s focus is not only to give financial relief but also to ensure that persons with disabilities can live with dignity, independence, and equal rights.
Understanding the Himmat Card Programme
The Himmat Card is a welfare card designed exclusively for persons with disabilities who are unable to earn due to medical conditions. It functions as an ATM-enabled debit card, giving beneficiaries direct access to quarterly stipends without relying on manual distribution methods. This digital process reduces delays and prevents misuse of funds.
Each eligible beneficiary receives Rs. 10,500 every three months. The Punjab government has partnered with the Bank of Punjab to facilitate withdrawals from ATMs, ensuring a transparent and easy-to-use system. In future, the card will also be linked with other welfare initiatives, making it a long-term support system for the disabled community.
Eligibility Conditions for the Himmat Card
To make sure that only deserving people benefit, the government has clearly defined criteria for Himmat Card registration. This safeguards resources and ensures that funds are not misused.
- Must be a registered person with disability under Social Welfare Punjab.
- Should be medically certified as unable to work.
- Cannot hold employment in either government or private sector.
- Must not already be receiving support from BISP, PSPA, Zakat, or Bait-ul-Mal.
- Poverty score (PMT) must be under 45.
- All personal details including CNIC, address, and mobile number must be updated in the official database.
These conditions ensure the card is reserved for individuals who are genuinely in need of government assistance.
Financial Support and Payment Process
Under the programme, each cardholder receives Rs. 10,500 every quarter. The stipend is directly deposited into the beneficiary’s Himmat Card account, ensuring safe and timely disbursement.
The withdrawal process is simple and transparent:
- The amount is transferred digitally without manual involvement.
- Beneficiaries can withdraw from any Bank of Punjab ATM.
- Receipts are issued for every transaction to maintain records.
- Transparency is ensured through digital banking, minimizing corruption or delays.
This regular stipend provides economic stability to disabled individuals and helps them manage their everyday expenses independently.
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Coverage and Beneficiary Numbers
The gradual expansion of the Himmat Card programme shows the Punjab government’s long-term commitment to social safety. The following table outlines the growth across different phases:
| Phase | Beneficiaries | Quarterly Stipend | Mode of Withdrawal |
|---|---|---|---|
| Phase 1 & 2 | 65,000 | Rs. 10,500 | ATM Card |
| Phase 3 | 35,000 | Rs. 10,500 | ATM Card |
| Total 2025 | 100,000+ | Rs. 10,500 | ATM Card |
By the end of 2025, the programme will cover more than one hundred thousand persons with disabilities, making it one of the largest provincial initiatives of its kind.
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Commitments Beyond Cash Assistance
The Himmat Card initiative is more than just financial support. The Punjab government has announced multiple complementary measures to promote inclusion and ensure equal rights for disabled citizens.
- Enforcement of a 3% job quota for disabled individuals in all government departments.
- Provision of free wheelchairs, walking aids, and other assistive devices.
- Ensuring that public and private buildings adopt accessibility standards.
- Linking the Himmat Card to other long-term welfare programmes.
These steps aim to reduce inequality and help create a society where disabled individuals can actively participate without barriers.
Advantages of the Himmat Card
The Himmat Card programme provides a wide range of benefits that go beyond just monetary support. It is designed to restore dignity, improve accessibility, and increase independence for differently-abled citizens.
- Rs. 10,500 quarterly stipend for regular financial relief.
- Easy withdrawals through Bank of Punjab’s nationwide ATM network.
- Free provision of wheelchairs and mobility support.
- Automatic eligibility for upcoming disability-related schemes.
- Reduced dependency on loans, charity, or unreliable sources of income.
- Enhanced social respect and confidence for beneficiaries.
Through these benefits, the Himmat Card is helping transform the lives of thousands of families across Punjab.
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Final Words
The rollout of Phase 3 of the Himmat Card under CM Maryam Nawaz marks a significant step in Punjab’s welfare journey. With the inclusion of more than 100,000 disabled individuals by the end of 2025, the programme is addressing both financial needs and social empowerment. The use of digital banking makes the process transparent and beneficiary-friendly.
The Himmat Card is not just a stipend scheme but a commitment to equality, accessibility, and dignity for differently-abled citizens. If implemented consistently, it can become a model of inclusive governance for the rest of the country.
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FAQs
What is the Himmat Card?
It is a welfare card for disabled individuals in Punjab, offering Rs. 10,500 every quarter.
Who is eligible for the programme?
Only certified persons with disabilities who are unfit to work and meet the poverty criteria can apply.
How many new beneficiaries were added in Phase 3?
About 35,000 new individuals have been added in Phase 3.
How do beneficiaries withdraw their stipend?
The stipend is credited to their Himmat Card and can be withdrawn at any Bank of Punjab ATM.
What is the total coverage target for 2025?
By the end of 2025, the programme will cover more than 100,000 disabled individuals across Punjab.