BISP Kafalat Program Second Installment
BISP Kafalat Program Second Installment The Benazir Income Support Program BISP remains a cornerstone of Pakistan’s social protection system. At a time when inflation continues to burden the poor and middle class, the government’s timely release of the second installment of the BISP Kafalat Program has brought critical financial relief to millions of vulnerable families across the country. The Kafalat Program, a sub project of BISP, is specifically aimed at supporting poor women by giving them quarterly financial assistance without any conditions, thus enabling them to manage daily household expenses and meet basic needs.
The second installment, issued in May 2025, is part of the government’s ongoing efforts to provide stability to those who are struggling due to rising prices of food, fuel, and essential services. This financial aid is not only about cash transfers it is about restoring dignity and ensuring survival for Pakistan’s poorest citizens. This guide offers a full explanation of who is eligible, how to check status, collect funds, and what improvements have been introduced in this latest installment.
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What is the BISP Kafalat Program
The Benazir Kafalat Program is one of the most critical components of Pakistan’s welfare structure, offering financial help to women from low-income families. It was designed with the intention to combat poverty through direct financial support and empower women by transferring money directly into their hands. The philosophy behind the program is rooted in social justice to ensure that women, who often bear the brunt of poverty, have access to consistent financial support.
Each eligible woman receives a fixed amount every three months. These payments can be used freely whether to buy food, pay bills, or invest in small household needs. The second installment, like the first, has been distributed based on data from the National Socio-Economic Registry (NSER) and after biometric verification, ensuring transparency and reducing corruption or duplication.
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Details of the Second Installment 2025
In May 2025, the government officially began the disbursement of the second installment under the Kafalat Program. The installment covers the financial assistance for the months of April to June and includes an amount of PKR 10,500 per eligible woman. This amount remains consistent with the earlier payments but its impact is far more critical now due to the rising costs of essential commodities.
The government has expanded the network of payment centers and bank partners to make the process easier and faster for beneficiaries. In many districts, special camps have been established to speed up distribution, especially in areas that lack digital banking access.
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Key Features of the Second Installment at a Glance
- Amount: PKR 10,500
- Disbursement Period: April – June 2025
- Start Date: May 2025
- Target Audience: Low-income women registered in BISP
- Verification: Through biometric system
- Disbursement Modes: Bank ATMs, cash centers, HBL Konnect agents
- Helpline: 0800-26477
- Eligibility Check: Via SMS or online portal
Who Is Eligible for the Second Installment
The eligibility criteria for the second installment have remained consistent with earlier phases of the program. However, data verification has been improved to avoid fraud and to ensure that only the most deserving families receive the funds. Eligibility is largely determined by socio economic data collected during NSER surveys, and only those who pass the filtering criteria are considered.
To be eligible for the second installment, a woman must:
- Belong to a low-income household
- Be unemployed in any government sector
- Not own any vehicles or valuable property
- Have a valid CNIC
- Be registered in the NSER database
- Not have recent foreign travel history
- Not be receiving financial help from other large programs
If you were eligible in the previous installment and your status has notchanged you are likely to automatically qualify for the current payment. However, if your record is incomplete or outdated, you may face delays in receiving the funds.
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How to Check Your Eligibility for the Second Installment
To help women quickly verify their status, BISP has enabled multiple channels for checking eligibility. These are free to use and available across the country:
- Send your CNIC number via SMS to 8171
- Visit the official BISP portal: 8171.bisp.gov.pk
- Visit your nearest BISP Tehsil Office in person
- Call the official BISP helpline at 0800-26477
Once confirmed, eligible women can proceed to collect their funds through the prescribed channels.
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Where and How to Collect Your Payment
Disbursement has been designed to be smooth and transparent. Beneficiaries can collect their second installment through a biometric verification system at various authorized payment points. These include:
- Bank ATMs HBL and Bank Alfalah
- Designated BISP Cah centre
- HBL Konnect agents across Pakistan
- Mobile banking Pilet region
At the time of receiving the money, women are required to verify their identity using fingerprint scanning. In case the system does not recognize the fingerprint, the recipient will need to visit a NADRA office to update biometric data.
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Required Documents for Payment Collection
Before heading to the cash center or bank, make sure you carry the following documents:
- Original CNIC
- Registered mobile number
- Any receipt or BISP card from earlier installment (if available)
- CNIC/B-form of dependents (in case of family updates)
Having these documents will ensure that your payment is processed without delay.
Step-by-Step Process to Receive Payment
- Complete biometric verification (thumbprint)
- Present your original CNIC
- Visit nearest ATM, agent, or BISP cash center
- Check your eligibility via 8171 SMS or online portal
- Collect your payment and take the printed receipt
- In case of failure, visit the Tehsil BISP office for further guidance
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Common Issues Faced and Their Solutions
While most beneficiaries are able to receive their payment easily, a few common problems can arise during the process:
- Fingerprint mismatch: Update fingerprints at NADRA
- No payment showing: Wait a few days and recheck via portal
- Blocked CNIC: Resolve this by visiting NADRA for verification
- Ineligible message despite earlier eligibility: Update NSER data
- SMS not received from 8171: Use the online portal to confirm
The government has asked all women to remain patient and avoid paying bribes to any agent. All BISP services are provided free of cost.
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Impact of the Second Installment on Beneficiary Families
This second installment is more than just a financial transaction it is a tool for survival and empowerment. With economic challenges growing in 2025, the assistance of PKR 10,500 can cover essential monthly expenses like:
- Buying groceries and kitchen essentials
- Paying utility bills
- Purchasing school supplies for children
- Accessing medical treatment or medications
- Investing in small-scale business activities such as sewing, cooking, or retail
In many areas, women have used this cash to start income-generating activities, giving them a sense of dignity and independence. The program also increases their participation in digital finance as they learn to use ATMs and mobile wallets.
Government Future Plans for BISP and Kafalat Program
The Government of Pakistan has announced plans to enhance the Kafalat Program further by making registration more inclusive and the disbursement process faster. Some of the upcoming improvements include:
- Expansion of NSER registration centers
- A dedicated BISP mobile app for real-time tracking
- Partnerships with more banks for broader access
- Enhanced grievance redress system
- More awareness campaigns to prevent fraud
These updates aim to make BISP more transparent, reliable, and supportive in the long term.
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Conclusion
The BISP Kafalat Program Second Installment for 2025 marks another important step in the government’s fight against poverty. With over PKR 10,500 delivered to each eligible woman, this installment helps low-income families keep up with rising expenses. The distribution process, though not without challenges, is becoming more refined with each phase.
Beneficiaries are strongly encouraged to verify their eligibility, follow the proper process for collection, and use the financial aid wisely. This program not only provides temporary relief but also creates an opportunity for poor families to rebuild their lives with dignity and hope.