This article explains public information. It does not determine eligibility or replace an official notice.
What is the Balochistan KUMAK Programme?
The Balochistan KUMAK Programme is the full name of the Balochistan Persons with Disabilities Support Fund (KUMAK). KUMAK is an Urdu word that means help or assistance. The programme helps persons with disabilities to live with dignity, earn a living and take part in society.
KUMAK is an endowment fund. The Government of Balochistan set aside Rs 2,000 million as the endowment fund, and the policy sets a target of about 30,000 beneficiaries, under the Balochistan Persons with Disabilities Act, 2017.
Who runs KUMAK, and who is it for?
The Balochistan KUMAK Programme is sponsored by the Government of Balochistan and run by the Social Welfare Department. It is managed day to day by a Program Director, with Deputy Directors from the Social Welfare Department, based at the Directorate General of Social Welfare in Quetta. A KUMAK Council, chaired by the Provincial Minister for Social Welfare, approves cases and the annual budget.
KUMAK is for persons with disabilities in Balochistan. The policy defines disability in broad terms. It covers physical, sensory, intellectual and mental impairment, including visual impairment, hearing impairment, physical disability and mental disability. The disability can be present from birth or acquired later through illness, injury or age.
What support does KUMAK give?
KUMAK gives six kinds of support. The six parts are education support, technical and vocational training, mobility assistive devices, marriage support, regular financial assistance through a Support Card, and interest-free loans.
Education support from matriculation to PhD
KUMAK gives education support to students with disabilities from matriculation to PhD, within Pakistan. The student must have admission in an institution and submit the standard form in Schedule I of the policy. The form is verified by the institution, the Social Welfare Officer and the Deputy Commissioner.
The policy sets a ceiling for each level. It is Rs 100,000 for matriculation and intermediate, Rs 150,000 for graduation, Rs 300,000 for a professional degree such as MBBS or B.E., Rs 200,000 for a master degree, Rs 300,000 for MPhil and Rs 500,000 for PhD. These are ceilings in the 2025 policy, not a promise that every student gets the full amount. A student who already gets another scholarship cannot get it, except for the Balochistan Education Endowment Fund (BEEF) scholarship.
Technical and vocational training support
KUMAK gives training support to persons with disabilities who take technical or vocational training from B-TEVTA or another training institute in Pakistan. B-TEVTA is the Balochistan Technical Education and Vocational Training Authority. The training must lead to a skill the person can use to earn a living.
The ceiling during a training course is Rs 100,000, under the 2025 policy. The applicant must submit the standard form in Schedule II, with an affidavit and the original bank challans or fee vouchers.
Mobility assistive devices
KUMAK gives mobility assistive devices to persons with disabilities. The policy lists electric wheelchairs, customised wheelchairs, tri-motorcycles, electric and fuelled tri-scooters, tricycles, portable ramps, white canes, electric white canes, portable commodes, walkers, hearing aids, artificial limbs and crutches.
Marriage support of Rs 200,000
KUMAK gives financial support for the marriage expenses of persons with disabilities. The support is Rs 200,000, paid by crossed cheque to the applicant only, under the 2025 policy. The applicant must submit the standard form in Schedule IV, with a registered Nikah Nama or marriage certificate, an affidavit, a local or domicile certificate, and the CNIC of the bride or groom.
Regular financial assistance through a Support Card
KUMAK gives monthly financial assistance through a Financial Support Card, also called a Disability Financial Support Card, to the most marginalised groups among persons with disabilities. The monthly amount in the 2025 policy is Rs 6,000 per child and Rs 8,000 per adult in these groups. The policy names four groups: mentally challenged persons, visually impaired persons from both eyes, persons amputated or deformed with both hands or both legs or one hand and one leg, and persons with severe and multiple disabilities who are bed restrained.
The Rs 6,000 and Rs 8,000 figures come from the 2025 policy. They are not a general monthly stipend for every person with a disability in Balochistan. Only the groups named in the policy qualify. Chief Minister Mir Sarfraz Bugti said in February 2026 that this assistance should rise, but no new rate is published, so confirm the current rate with the Social Welfare Department.
Interest-free loans for work and business
KUMAK gives interest-free loans to persons with disabilities who want to start a business or create a livelihood opportunity. The loan is for a business proposal, not for general spending. The applicant must submit a business proposal with the standard form in Schedule VI, verified by the Social Welfare Officer and cross verified by the Deputy Commissioner.
The maximum loan is Rs 500,000, under the 2025 policy. The applicant must be aged 20 to 50, must hold a Balochistan local or domicile certificate, and must have a monthly income of not more than Rs 50,000. A departmental committee checks the proposal, and a viable proposal goes to the KUMAK Council for approval. The loan is repaid in 30 monthly instalments, after a grace period of one year, and the bank asks for a government official as guarantor.
Who can apply for KUMAK?
KUMAK has a general eligibility rule, and each part adds its own conditions. First, the applicant must be a person with a disability who holds a disability certificate. Second, the applicant must hold a Balochistan local or domicile certificate. Third, the applicant must be a deserving person, and the Deputy Commissioner of the district must verify that position. Fourth, a government employee cannot be a direct beneficiary. Fifth, the applicant must complete all the codal formalities and provide any other documents the intervention requires.
Most parts add an income test. For education, training, assistive devices and marriage support, the parent or guardian must have a monthly income of up to Rs 100,000, shown by affidavit. For the interest-free loan, the applicant must have a monthly income of not more than Rs 50,000, and must be aged 20 to 50.
How much money does KUMAK give?
The amounts in KUMAK are set per intervention, not as one single payment for every beneficiary. The table below uses only the ceilings and rates in the Balochistan Persons with Disabilities Support Fund (KUMAK) Policy, 2025. The figures are ceilings or fixed rates in that policy, not a guarantee of payment.
| Support | Amount in the 2025 policy |
|---|---|
| Education, matriculation and intermediate | Up to Rs 100,000 per course |
| Education, graduation | Up to Rs 150,000 per course |
| Education, professional degree such as MBBS or B.E. | Up to Rs 300,000 per course |
| Education, master degree | Up to Rs 200,000 per course |
| Education, MPhil | Up to Rs 300,000 per course |
| Education, PhD | Up to Rs 500,000 per course |
| Technical or vocational training | Up to Rs 100,000 per course |
| Marriage support | Rs 200,000, one-off, by crossed cheque |
| Support Card, child | Rs 6,000 per month |
| Support Card, adult | Rs 8,000 per month |
| Interest-free loan for livelihood | Up to Rs 500,000, repaid in 30 instalments after one year |
How to apply for KUMAK
There is no published online portal or application form link for KUMAK found in the sources so far. The 2025 policy does not describe an online application. It describes standard paper forms, called Schedules, for each part of the programme. A site that claims to offer an online KUMAK form or a direct apply link does not match the official policy seen so far.
The route in the policy is through the district office. The applicant gets the standard form for the support they need, fills it in, attaches the documents the schedule asks for, and submits it at a District Social Welfare Office, the office of the Director General of Social Welfare, the Program Director KUMAK office, or the office of the Secretary of the Social Welfare Department. The form must be verified by the people named for that intervention, which in most cases means the Social Welfare Officer and the Deputy Commissioner.
KUMAK compared with the Awami Endowment Fund and the Health Card
| Scheme | Who it is for | What it gives | How it works |
|---|---|---|---|
| Balochistan KUMAK Programme | Persons with disabilities in Balochistan | Financial assistance, devices, training, education, marriage support and interest-free loans | Endowment fund run by the Social Welfare Department, paper forms, cases approved by the KUMAK Council |
| Balochistan Awami Endowment Fund | Patients in Balochistan who need treatment for serious illness | Funding for treatment of cancer, heart surgery, thalassemia, organ transplants and other serious conditions | Case-based fund, each case approved by a board after medical scrutiny, treatment at designated hospitals |
| Balochistan Health Card | Permanent resident families of Balochistan | Health cover of up to Rs 1 million per family per year | Universal cover checked by SMSing the CNIC to 8500, helpline 0800-01001, treatment at panel hospitals |
What is confirmed, and what is not yet published
| Point | Status as of 14 November 2026 |
|---|---|
| KUMAK exists, with six interventions, endowment of Rs 2,000 million and target of about 30,000 beneficiaries | Confirmed in the official 2025 policy |
| Support Card rates, marriage support, education ceilings, training ceiling and loan ceiling | Confirmed in the 2025 policy, as rates and ceilings |
| Eligibility: disability certificate, Balochistan domicile, deserving status verified by the Deputy Commissioner, no government employee as direct beneficiary | Confirmed in the 2025 policy |
| Application route: paper schedules through district and department offices | Confirmed in the 2025 policy |
| No published online portal or form link for KUMAK | Not found in the sources read so far |
| No published single monthly stipend amount for all beneficiaries | Not published in the sources read so far |
| No published deadline for KUMAK applications | Not published in the sources read so far |
| Whether the monthly assistance rate has changed since the 2025 policy | Not confirmed in a published notice seen so far |
What is new in November 2026
The most recent statement on KUMAK came on 12 November 2026. The Director General of Social Welfare, Mir Saifullah Khan Khetran, told state media that the provincial government was spending about Rs 100 million per month on medical treatment for underprivileged patients, and about 1,700 people had received assistance for serious illnesses during the past year. He said about Rs 800 million to Rs 900 million had been spent annually on treatment assistance.
In the same statement, he said KUMAK was giving persons with disabilities financial assistance, assistive devices, vocational training and interest-free loans to support employment and economic independence. He said eligible beneficiaries were also receiving ongoing financial assistance under the government prescribed policy. He did not give a new per-person amount, a new deadline or a new application route in that statement.
Common mistakes to avoid
Do not apply to the wrong scheme, trust a promised payment, or submit a form without verification. The Support Card is only for the severe disability groups named in the policy. No person can promise approval, because the KUMAK Council decides each case after verification.
Frequently asked questions
What is the Balochistan KUMAK Programme?
The Balochistan KUMAK Programme is the Balochistan Persons with Disabilities Support Fund (KUMAK), a provincial fund for persons with disabilities in Balochistan. It gives financial assistance, assistive devices, vocational training, education support, marriage support and interest-free loans, and it is run by the Social Welfare Department under the KUMAK Policy, 2025.
Who can apply for the Balochistan KUMAK Programme?
A person with a disability who holds a disability certificate and a Balochistan local or domicile certificate can apply. The person must be deserving, and the Deputy Commissioner must verify that position.
How much money does KUMAK give per month?
There is no single published monthly amount for all KUMAK beneficiaries. The 2025 policy gives Rs 6,000 per month per child and Rs 8,000 per month per adult through the Support Card, but only for the severe disability groups named in the policy.
What is the KUMAK Support Card amount?
The Support Card amount in the 2025 policy is Rs 6,000 per month for a child and Rs 8,000 per month for an adult. It is for mentally challenged persons, visually impaired persons from both eyes, persons amputated or deformed with both hands or both legs or one hand and one leg, and persons with severe and multiple disabilities who are bed restrained.
Does KUMAK give wheelchairs and other assistive devices?
Yes. KUMAK gives electric wheelchairs, customised wheelchairs, tri-motorcycles, tri-scooters, tricycles, portable ramps, white canes, electric white canes, portable commodes, walkers, hearing aids, artificial limbs and crutches.
Does KUMAK give interest-free loans?
Yes. KUMAK gives interest-free loans of up to Rs 500,000 for a business or livelihood opportunity, under the 2025 policy. The applicant must be aged 20 to 50 and must submit a business proposal, and the loan is repaid in 30 monthly instalments after a grace period of one year.
How do I apply for the Balochistan KUMAK Programme?
There is no published online portal or form link found so far. The 2025 policy describes paper forms, called Schedules, for each part of the programme.
Is KUMAK the same as the Balochistan Health Card?
No. KUMAK is a support fund for persons with disabilities, and it gives financial assistance, devices, training, education support and loans. The Balochistan Health Card is a health cover scheme for permanent resident families, with cover of up to Rs 1 million per family per year, checked by SMSing the CNIC to 8500.
Is KUMAK the same as the Balochistan Awami Endowment Fund?
No. KUMAK is for persons with disabilities and their education, work, mobility and living costs. The Balochistan Awami Endowment Fund is a case-based fund for treatment of serious illness, such as cancer, heart surgery, thalassemia and organ transplants, approved by a board after medical scrutiny.
When is the last date to apply for KUMAK?
No published deadline for KUMAK applications was found in the sources read for this guide. The policy does not state a closing date, and the statement of 12 November 2026 did not give one either.
Sources and official links
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