BISP, jise pehle Ehsaas kehte the, Pakistan ka sab se bara cash-support programme hai, aur Federal Government Schemes ke tehat sab se zyada beneficiaries wala scheme hai, jo Benazir Kafaalat, Taleemi Wazaif, aur Nashonuma teen alag stipends chalata hai. Kafaalat ka quarterly payment ab Rs. 14,500 per family hai, jo bisp.gov.pk ke mutabiq Rs. 13,500 se barha kar March 2026 mein kiya gaya. Eligibility NSER survey aur PMT (Proxy Means Test) score se tay hoti hai, na ke koi manual faisla. Ye guide aap ko eligibility check karne ka tareeqa, payment collect karne ka process, aur agar kuch ghalat ho jaye to kya karein — sab bataye gi.
What is BISP / Ehsaas
BISP Pakistan ka federal social-protection idara hai jo NSER (National Socio-Economic Registry) survey ke zariye deserving families ko pehchanta hai. Chairperson Senator Rubina Khalid ki nigrani mein ye teen mukhtalif stipends chalata hai. Registration mukammal free hai, aur koi bhi agent ya middleman paisa maang raha ho to wo fraud hai.
| Programme | Kis ke liye | Payment cycle |
|---|---|---|
| Benazir Kafaalat | Low-income ghar ki registered female head | Quarterly cash |
| Taleemi Wazaif | School-going bachay, 70% attendance shart | Quarterly stipend |
| Nashonuma | Pregnant women aur 2 saal se chhote bachay | Health-linked payment |
Eligibility — NSER Survey Aur PMT Score
Kafaalat ke liye eligibility do steps se guzarti hai, seedha bisp.gov.pk ke process ke mutabiq:
- NSER Survey — Aap ke ghar ka BISP/NADRA field surveyor ke zariye door-to-door survey hona zaroori hai. Agar aap ka ghar kabhi survey nahi hua, to system mein aap ka koi record hi nahi banega.
- PMT Score — Income, ghar ki halat, assets, aur dependents ki tadaad se calculate hota hai. Exact score janne ke liye guessing ki zaroorat nahi — seedha 8171 SMS ya bisp.gov.pk portal par apna CNIC check karein.
Automatic disqualifiers (bisp.gov.pk ke mutabiq):
| Wajah | Asar |
|---|---|
| Ghar ka koi member government employee ya pensioner ho | Poora ghar disqualify, income se qata-e-nazar |
| Beneficiary ka intiqal ho jaye | Next of Kin policy ke tehat legal heir appeal kar sakta hai |
| Transgender applicant | Relaxed PMT criteria + NADRA-verified transgender CNIC zaroori |
How to Check Eligibility
SMS Se Check Karein (Bina Internet)
- Apna mobile phone khol lein.
- Apna 13-digit CNIC number bina dashes ke type karein.
- Ye number 8171 par SMS kar dein.
- Kuch second mein reply aayega jo batayega ke aap eligible hain ya nahi.
Web Portal Se Check Karein
- Apne mobile ya computer ka browser khol lein.
- bisp.gov.pk ya 8171.bisp.gov.pk par jayein.
- Apna CNIC number aur captcha darj karein.
- Submit par click karein — real-time status screen par aa jayega.
Tehsil Office Se Survey Ya Update Karayein
- Apne nazdeeki BISP Tehsil Office ka pata lagayein — helpline <a href=”tel:080026477″>0800-26477</a> par call kar ke bhi pata chal sakta hai.
- Registered woman ka original CNIC aur bachon ke B-Forms saath le jayein.
- Agar pehli baar survey ho raha hai, ya purana data outdated hai, to Dynamic Survey Registration (DSR) ki request dein.
- Field officer se receipt ya confirmation slip zaroor lein.
Results Explained
| Status jo aaye | Iska matlab | Aap ko kya karna hai |
|---|---|---|
| Eligible | Kafaalat, aur agar apply ho to Taleemi Wazaif/Nashonuma automatic link | Payment cycle ka intezar karein, alag form nahi bharna |
| Not eligible | PMT threshold se upar, ya ghar mein govt employee | Tehsil office jaa kar exact wajah puchhein |
| Pending / Under process | Survey ya biometric verification abhi mukammal nahi | Tehsil office se follow-up karein, dobara SMS bhejne se kuch nahi badlega |
Payment Aur Benefit Details
Benazir Kafaalat ka quarterly payment ab Rs. 14,500 per family hai, jo bisp.gov.pk ki August 2026 ki official announcement ke mutabiq Rs. 13,500 se barhaya gaya. Payment sirf ghar ki registered female head ke naam par jaari hoti hai; koi bhi male family member ye withdraw nahi kar sakta.
Partner banks (biometric verification ke zariye), bisp.gov.pk ke record ke mutabiq:
| Province / Region | Partner Bank |
|---|---|
| Punjab, Sindh, Balochistan | HBL |
| KP, Gilgit-Baltistan, AJK | Bank Alfalah |
In-depth guides for each child programme:
- BISP Eligibility & CNIC Check (8171) — sirf eligibility confirm karne ka poora tareeqa.
- Taleemi Wazaif — Education Stipend — apply karne ka tareeqa aur amount alag hai, isliye apni guide.
- Nashonuma — Nutrition Support — payment schedule aur health-checkup ki shart Kafaalat se mukhtalif hai.
Solve — Jab Kuch Ghalat Ho Jaye
| Masla | Karna kya hai |
|---|---|
| Payment mein se paisa kaat liya gaya | Nazdeeki BISP Tehsil Office jaa kar Assistant Director ko CNIC + receipt ke saath complaint darj karayein |
| SMS/portal jawab nahi de raha ya error dikhaye | Thodi der baad dobara try karein — deadline ke qareeb portal slow ho jata hai |
| Koi shaks registration/payment ke liye paisa maange | Ye fraud hai — kabhi na dein, seedha helpline par report karein |
In practice, 8171 portal aur SMS service deadline se pehle wale din bohot slow ho jate hain — subah jaldi check karna behtar rehta hai. Kisi bhi surat mein complaint ke liye helpline <a href=”tel:080026477″>0800-26477</a> istemal karein.
FAQs
Kya BISP aur Ehsaas ek hi programme hain?
Ji haan, jo pehle Ehsaas ke naam se jaana jata tha wo ab BISP ke Benazir Kafaalat, Taleemi Wazaif, aur Nashonuma programmes ke tehat chal raha hai. 8171 SMS aur portal dono naamon ke liye same tareeqe se kaam karte hain.
Benazir Kafaalat ka quarterly payment kitna hai?
Ab har eligible family ko Rs. 14,500 quarterly milte hain, jo bisp.gov.pk ke mutabiq March 2026 se Rs. 13,500 se barhaya gaya. Exact amount aap ke ghar ke case ke mutabiq 8171 check karne par confirm hota hai.
Eligibility check karne ke liye internet zaroori hai?
Bilkul nahi. Apna 13-digit CNIC bina dashes ke 8171 par SMS karein aur kuch second mein official jawab mil jayega. Internet sirf bisp.gov.pk portal use karne ke liye chahiye, jo optional hai.
Agar mera application “not eligible” dikhaye to kya karein?
Pehle apni wajah confirm karne ke liye nazdeeki BISP Tehsil Office jayein, kyun ke ye PMT score ya household data ki wajah se ho sakta hai. Agar aap ka data purana hai, to wahan Dynamic Survey Registration (DSR) ki request dein.
Kya male family member Kafaalat ka paisa withdraw kar sakta hai?
Nahi. Payment sirf registered female head ke apne CNIC aur biometric verification se hi collect ho sakti hai, bisp.gov.pk ki policy ke mutabiq.
Agar payment mein se paisa kaat liya jaye to kahan complaint karein?
Fauran apne nazdeeki BISP Tehsil Office jayein aur Assistant Director ko apna CNIC aur payment receipt ke saath complaint form dein. Helpline <a href=”tel:080026477″>0800-26477</a> par bhi report kar sakte hain.
Registration ke liye koi fees deni hoti hai?
Nahi, BISP registration, verification, aur payment mukammal free hain. Koi bhi agent paisa maange to use fraud samjhein aur helpline par report karein.