With Phase 3 of the Benazir Income Support Programme (BISP) beginning on May 26, 2025, many low-income households in Pakistan will finally get a chance to benefit from long-awaited financial support. As someone who has helped relatives through the Registration process, I’ve seen firsthand how crucial this quarterly relief of PKR 13,500 can be for eligible women managing families in remote districts. Compared to Phases 1 and Phases 2, this round covers more ground—reaching areas like Punjab, Sindh, Khyber Pakhtunkhwa, Balochistan, Gilgit-Baltistan, and AJK, making the Coverage much broader. The Start Date is especially important for those who are applying for the first time or who were previously not allowed to qualify under older rules.
The Benazir Kafaalat Programme has introduced New Changes to simplify the eligibility criteria and improve access. The Proxy Means Test (PMT) Score limit has been Increased to 34% from Below 30%, and the Monthly Income Limit was raised from Rs. 30,000 to Rs. 50,000—a major shift to include more people. If you’ve visited District Headquarters before without success, you can now try again through updated Registration Center Access options. The Payment Amount will be delivered through Payment Methods like direct bank transfers, ATM withdrawals, authorized retailers such as JazzCash and EasyPaisa, or even at BISP campsites and Campsites set up across Banks and ATMs. After helping someone reapply recently using the Reapplication Option, I noticed how simple the process is once you begin updating info. The overall comparison to past phases clearly reflects a stronger push towards poverty reduction and women’s empowerment.
Who Can Apply and What You Need to Know
To be considered under the Eligibility Criteria, your Poverty score must be 32 or below based on the NSER survey. Make sure your Valid CNIC is verified through NADRA, and that your household does not own significant assets like land, vehicles, or businesses. You are not eligible if there is government employment in your household. Applicants must be permanent residents of Pakistan, with no record of foreign travel (except pilgrimage). Special Priority is given to widows, divorced women, disabled individuals, and female-headed households. It is important that your NSER survey is completed or updated within the last three years for successful registration.
How to Register or Make Changes
I recently helped a neighbor complete their application at a BISP tehsil office—you’ll need your CNIC, children’s B-Forms, and proof of residence. The process involves updating your household details through the NSER survey and completing a biometric verification step. After submission, check your eligibility status on 8171.bisp.gov.pk or send your CNIC to 8171 via SMS. If you’re eligible, you’ll get a confirmation text with payment details shortly after.
Ways to Collect Your Payment
Use your BISP card at Bank Alfalah or HBL ATMs to withdraw directly. Alternatively, head to Bank Counters, present your CNIC and BISP card, and collect your cash. You can also visit Retailers like JazzCash, EasyPaisa, or HBL Konnect agents where biometric checks are required. For those in remote areas, Campsites are available—just bring your token and pass the eligibility screening.
Crucial Tips for New and Existing Applicants
If your NSER survey was last done before 2022, make sure to update it to avoid payment suspension. You can always check your payment status on the portal or via SMS to 8171. Beware of fraud—always go through official BISP channels only. If you qualify, also consider registering for Taleemi Wazaif or Nashonuma programs for additional support.
How to Reach Out for Help
For detailed Contact Information, visit the Website at www.bisp.gov.pk, call the Helpline at 0800-26477, or use the SMS Service by texting 8171. You can also go to your nearest BISP office for guidance or watch out for official updates online.
🔹 PMT Score Increased to 34%
Previously, only applicants with a Proxy Means Test (PMT) score below 30% were allowed to register. Now the limit has been raised to 34%, enabling more low-income households—especially those slightly above the old threshold—to become eligible. This change broadens the eligibility criteria and reflects an effort to include more families under the Benazir Income Support Programme (BISP).
🔹 Monthly Income Limit Increased to Rs. 50,000
The Monthly Income Limit has now moved up from Rs. 30,000 to Rs. 50,000, helping more working-class families qualify. This adjustment considers the reality of inflation and the rising cost of living, and ensures that economic pressures no longer block those genuinely in need from getting financial support.
🔹 Registration Centers Now More Accessible
Earlier, people had to travel long distances to District Headquarters to complete their Registration. With the new update, once you update your info, you can register at local centers, saving significant time and travel expenses. This move makes the registration process far more convenient, especially for women, the elderly, and those living in remote districts.
🔹 Reapplication Now Allowed
One of the most helpful New Changes is the introduction of the Reapplication Option. Those previously not allowed or declared ineligible can now reapply—but only after updating household information. This gives deserving families another fair chance at receiving support under the Benazir Kafaalat Programme.
🔹 Multiple Payment Options Available
Beneficiaries are no longer limited to one or two ways to get their Payment Amount. Now, once you qualify, you can receive your quarterly payment through multiple Payment Methods:
- BISP Campsites after token issuance and screening
- Banks with direct withdrawal at counters
- ATMs using biometric verification and a BISP card
📝 How to Update Information and Reapply
- If you want to make the most of these New Changes, here’s how:
- Visit your nearest BISP office
- Bring your original CNIC and updated household details
- Ask for a Dynamic Survey update
- Wait for your new PMT Score and eligibility result
- Once approved, choose the most accessible option—camp, bank, or ATM—to collect your payment easily
These updates aim to simplify the process and increase access for more eligible women and low-income households across Pakistan.
Frequently Asked Questions
When does BISP Phase 3 start?
BISP Phase 3 is scheduled to begin on May 26, 2025, and will cover districts not included in Phases 1 and
Who is eligible for BISP Phase 3?
You may be eligible if:
- Your PMT score is 34% or below
- Your monthly income is Rs. 50,000 or less
- You have no government employment or major assets
- You’re a widow, divorced woman, disabled, or part of a female-headed household
- You are a permanent resident of Pakistan with no foreign travel history (except pilgrimage)
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