The Benazir Kafalat Programme, launched under the Benazir Income Support Programme (BISP), is one of Pakistan’s largest social welfare initiatives. In 2025, the government has improved the payment disbursement system to ensure transparency, ease of access, and timely delivery of funds to deserving women across the country. With a quarterly payment amount increased to PKR 13,500, beneficiaries must understand the latest methods to receive their money safely and securely. This article offers a complete, updated guide on how eligible individuals can collect their Benazir Kafalat payments in 2025.
🔍 What is the Benazir Kafalat Program?
The Benazir Kafalat Program provides unconditional cash assistance to low-income women, especially those who are widowed, divorced, disabled, or belong to vulnerable households. The programme aims to reduce poverty and support women by offering direct financial assistance every quarter. In 2025, the government introduced a more advanced and digitalised payment mechanism, giving beneficiaries multiple safe and convenient options to access their funds.
💳 Payment Methods in 2025
The BISP has launched five official payment channels through which registered women can receive their quarterly payments. Each method is designed to offer flexibility, reduce fraud, and improve accessibility across urban and rural areas.
1. ATM Withdrawals through Biometric Verification
One of the most commonly used methods is ATM withdrawal. BISP beneficiaries can now withdraw their payments from ATMs of partner banks using biometric verification.
Key Features:
- Visit the ATM of a partner bank.
- Select the “Benazir Kafalat” option.
- Enter your CNIC number.
- Complete biometric verification (thumb impression).
- Withdraw your payment.
This method ensures that only the registered woman can access the funds using her fingerprint, adding a layer of security.
2. Direct Bank Account Transfers
Eligible women who have linked their CNICs with a bank account may receive direct transfers into their accounts.
Key Features:
- No Need to Visit Cash Centres: Payment is deposited directly.
- Withdraw Anytime: Through ATM or by visiting the bank.
- Debit Card Use: If provided by the bank, you can use it for withdrawals.
Women are encouraged to open an account with a partner bank and complete biometric verification to activate this method.
3. Mobile Wallet Services (JazzCash and EasyPaisa)
To support digital inclusion and make it easier for women in remote areas to receive payments, BISP has partnered with JazzCash and EasyPaisa.
Key Features:
- SMS Notification: You receive a message when the payment is ready.
- Biometric Verification: Visit a local agent, show your CNIC, and complete fingerprint verification.
- Instant Withdrawal: After verification, you receive your payment on the spot.
Women must have a SIM registered under their CNIC to use mobile wallet services.
4. Cash Distribution Centers and Campsites
For women without access to ATMs or mobile wallets, the government has maintained physical payment centres. These include:
- Benazir Cash Centers
- Tehsil Campsites
- Union Council Halls (in some areas)
Process:
- Carry your original CNIC.
- Visit the nearest centre on your scheduled date.
- Complete biometric verification.
- Receive your payment in cash.
This method remains vital in rural and underdeveloped regions.
5. Post Office and NADRA Kiosks (Limited Regions)
In certain districts, Pakistan Post and NADRA service points have been authorised to distribute payments. This is especially common in areas with low banking penetration.
Features:
- Must verify identity through CNIC and biometrics.
- Payments are processed on the spot or notified via SMS.
Beneficiaries are advised to contact their local BISP office to check if this option is available in their area.
🔐 Security Measures
In 2025, the BISP enforced strong security protocols to ensure that only legitimate recipients receive the payments:
- Biometric Verification: Required for all payment methods.
- Facial Verification: Available via NADRA if fingerprint verification fails.
- SMS Alerts: Sent from the official short code 8171 only.
- No Agent Charges: All withdrawals are free of charge.
Women are advised not to share CNIC numbers or biometric details with anyone and to avoid unauthorised agents.
📲 How to Check Payment Status
Before collecting payments, beneficiaries can confirm their payment status through:
8171 SMS Service
- Send your CNIC (without dashes) to 8171.
- You will receive your eligibility and payment update.
8171 Web Portal
- Visit 8171.bisp.gov.pk
- Enter your CNIC and image code to check details.
Visit the Nearest BISP Office
- Provide your CNIC and thumbprint for real-time information.
📅 Payment Schedule
The 2025 payment cycles are released quarterly, and funds are usually disbursed in phases by district. You should stay updated via:
- SMS notifications from 8171
- BISP official website
- Local government announcements
📝 Final Words
The Benazir Kafalat Program continues to serve as a lifeline for millions of women in Pakistan. In 2025, with the introduction of modern payment options such as biometric ATMs, mobile wallets, and bank transfers, accessing your funds has become easier and more secure than ever. If you or a family member is registered under BISP, make sure your CNIC is up to date, your biometrics are enrolled, and you use only official channels to collect your payments. This ensures a smooth, safe, and transparent experience.
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