Punjab Livestock Card Phase 2: Rs27,000 Per Animal Interest-Free Loan

What is Punjab Livestock Card Phase 2?

Punjab Livestock Card Phase 2 is the second phase of a Punjab government scheme that gives livestock farmers interest free credit to buy animal feed. The Livestock and Dairy Development Department Punjab runs the scheme, and the Bank of Punjab issues the card. The card works like a digital wallet, not like cash in hand. Credit is loaded on the card, and the farmer spends it at a registered dealer in the home tehsil.

Feed prices keep rising, and many small farmers cannot buy enough wanda, silage and mineral mixture at the right time. Without balanced feed, animals grow slowly, give less milk and fetch a lower price. The card lets a farmer buy feed now and repay later, without paying interest. The government pays the interest, and the farmer repays only the principal.

Phase 2 is bigger than Phase 1. The Punjab government has announced Rs16.2 billion in interest free financing, with a target of balanced nutrition for 600,000 animals over two years. The launch also links the scheme to meat production and exports.

Is registration open for Punjab Livestock Card Phase 2 now?

No, registration is not open now, as far as the latest check shows. On 26 October 2026 the official portal showed the current registration season as closed, and the next round date had not been announced. That is the plain fact, and it matters more than the launch news. A launch is not the same as an open application window.

Many websites and social media posts say registration is open. Some repeat the Phase 1 method as if it applies today. Others share links that do not belong to the government. Do not trust a post that claims the window is open unless the official portal says so. Check plc.punjab.gov.pk first, and call the helpline on 0800-09211 if the portal is unclear.

How much money can you get under Phase 2?

The amount depends on the number of eligible animals you own. Phase 2 offers Rs27,000 per animal for feed. The verified range is 5 to 20 animals, so the total loan runs from Rs135,000 to Rs540,000. The government pays the interest on that amount, and the farmer repays the principal.

Take the 10 animal example. A farmer with 10 eligible animals gets a limit of Rs270,000, because 10 times Rs27,000 is Rs270,000. Up to Rs67,500 of that can be taken as cash from an ATM, if the card rules allow it. The other Rs202,500 stays on the card for feed purchases. For 5 animals, the limit is Rs135,000, with up to Rs33,750 in cash. For 20 animals, it is Rs540,000, with up to Rs135,000 in cash. A farmer with 7 eligible animals would get Rs189,000, if all 7 are verified.

These are maximums for the stated animal counts, not a promise for every applicant. The final amount depends on how many animals are verified, and on the official approval. Count only animals that the department accepts as eligible, and confirm the animal type for Phase 2 before you apply. Interest free means the farmer does not pay interest, but the loan is not a grant. If you spend Rs200,000 from the card, you must repay Rs200,000 under the agreed terms. The repayment schedule for Phase 2 was not published in the launch reports, so this guide does not state one. Phase 1 used a 4 month cycle plus 1 month of grace, but do not assume that schedule applies to Phase 2.

How is Phase 2 different from Phase 1?

Phase 2 keeps the same per animal amount, Rs27,000, but it raises the ceiling and the scale. Phase 1 covered 5 to 10 animals, with a maximum loan of Rs270,000. Phase 2 covers 5 to 20 animals, with a maximum loan of Rs540,000. The total financing target also rises, to Rs16.2 billion, and the animal target is 600,000 animals over two years.

Phase 1 also gave the scheme a track record. The launch briefing reported a 96 percent loan recovery rate for Phase 1, which means most of the money lent was repaid. It also reported that 23,312 Livestock Cards had been prepared across Punjab, and farmers had spent Rs892.6 million on feed, Rs87 million on silage and Rs20 million on mineral mixtures.

Some websites mix the phases and call the July 2026 registration round Phase 3, while the Livestock Department calls the 14 October 2026 launch Phase 2. The phase number matters less than the current instruction on the portal. Use the portal and the helpline as the final word, not a phase label on a private website.

Who can apply for Punjab Livestock Card Phase 2?

The launch reports did not publish a complete Phase 2 eligibility list. That is a gap, and this guide does not fill it with guesses. The points below come from the earlier rounds and from the verified brief, and each one should be confirmed for Phase 2 when the window opens.

You must be a livestock farmer in Punjab, and you must hold a valid Computerised National Identity Card, known as a CNIC, with details that match your official record. An expired CNIC can lead to rejection, so renew it through NADRA first. You must own 5 to 20 animals in the range stated for Phase 2. In Phase 1, the animals were male calves and young stock. For Phase 2, the exact animal types, ages and breeds were not confirmed in the launch reports, and sources disagree on goats and sheep, so do not count them until the department confirms they are eligible.

Your animals must be registered in the department system. Earlier rounds used the SPMS-9211 system, and verification was based on that record. Visit your nearest Civil Veterinary Hospital to check your animal record before the window opens. Your mobile SIM must be registered in your own name, because the SMS method and the portal both rely on that number. You must also accept the Bank of Punjab terms and repay the principal on time. A past default on a government loan can affect eligibility.

How to apply when the next window opens

Do not apply today on the basis of this guide alone, because the season is closed. Use the steps below as a plan for the day the window opens, and confirm each step on the official portal at that time. The SMS format and the portal form may change for the new round, so the live portal is the final source.

1. Check the portal first. Open plc.punjab.gov.pk and look for a clear Phase 2 registration notice. If the page still says the season is closed, wait, and do not use a link from a social media post.
2. Check your animals in the SPMS-9211 system. Visit your nearest Civil Veterinary Hospital, confirm that each animal is recorded, and get tagging done if it is offered free.
3. Keep your CNIC and your own SIM ready. Your CNIC must be valid, and your SIM must be registered in your own name.
4. Send the SMS only if the portal confirms that method for Phase 2. In Phase 1, the format was PLC, a space, then your 13 digit CNIC number, sent to 8070. Confirm the format and the short code for Phase 2 before you send anything.
5. Fill the online form on the official portal. Enter your name, CNIC number and mobile number exactly as they appear on your CNIC. Add your division, district, tehsil and mauza if the form asks for them.
6. Wait for verification. A livestock officer may visit your farm or home to check the animal count, type and health. Keep the animals present on that day, and keep your CNIC with you.
7. Follow the card issue steps. If your application is approved, the Bank of Punjab will issue the Livestock Card. Confirm your approved limit, the cash withdrawal rule and the repayment date before you use the card, and keep any reference number the system gives you.

If you cannot apply online, visit your nearest Civil Veterinary Hospital or a department facilitation desk for help. Staff there can guide you through the form at no charge. Do not pay anyone to file the form for you, and do not share your CNIC photo, card PIN or one time password with a stranger. The launch reports did not publish a final Phase 2 document list, so no list here is presented as compulsory. Keep your valid CNIC, your own SIM, your livestock details, your animal registration record, and your division, district, tehsil and mauza ready.

What can you buy with the card, and what can you not buy?

The card is for feed and approved livestock inputs, not for general spending. The approved items in the launch reports are wanda, silage and mineral mixture. Wanda is prepared animal feed. Silage is preserved green fodder. A mineral mixture is a nutritional supplement that supports animal health. Together, they form balanced nutrition for fattening animals, and they help animals gain weight in a steady way.

The card must be used at a registered dealer. A purchase from an unregistered seller may not be accepted, so ask the dealer first whether the shop is registered under the scheme. Keep the receipt for every purchase, and check the card balance after each buy. You cannot use the loan to buy new animals. The scheme is for the feed and care of animals you already own. You also cannot treat the full limit as cash. Only up to 25 percent can be withdrawn from an ATM, and the rest stays on the card for dealer purchases. That cash part is meant for care costs such as vaccination and treatment, not for household spending.

What free services come with the card?

The scheme includes free animal tagging and free foot-and-mouth disease vaccination, known as FMD vaccination. Tagging gives each animal an identity, and it helps the department keep a clean record for verification. FMD vaccination protects animals from a disease that spreads fast and can cause heavy losses. Both services are free under the scheme, so a farmer should not pay for them through an agent.

Competitor guides also mention deworming and artificial insemination in selected districts. Those extras were not in the verified brief for Phase 2, so this guide does not present them as confirmed Phase 2 benefits.

The card also sits beside other Punjab farmer support. Crop farmers can read our guide to the CM Punjab Kisan Card, which covers seed and fertiliser inputs for crops. Farmers who need a tractor can read the CM Punjab Green Tractor Scheme. Farmers who want a low cost farm loan through a bank can read about Punjab Apna Kisan Bank subsidised loans. Farmers in Sindh can compare a different card scheme in our guide to the Sindh Hari Card scheme.

Season closed: what to do now

If the portal says the season is closed, do not wait idle and do not pay anyone. Use the time to prepare, so you can apply fast when the window opens. Check the portal once a week, at plc.punjab.gov.pk and livestock.punjab.gov.pk, and call the helpline on 0800-09211 if the portal is unclear.

• Get your animals registered in SPMS-9211. Visit your Civil Veterinary Hospital, confirm the record, and get free tagging if it is offered.
• Renew your CNIC if it has expired. Do this through NADRA now, not on the last day of the window.
• Move your SIM to your own name. The number you use for the scheme must be registered against your own CNIC.
• Count your eligible animals with care. Count only animals you own and that the department is likely to accept. Do not inflate the count to get a larger loan.
• Keep your documents in one folder. Put your CNIC copy, animal record and any earlier card or reference number together.
• Do not pay an agent. Registration is free. Anyone who asks for money to open the season, guarantee approval or speed up a card is not acting for the government.
• Do not send an SMS to 8070 until the portal confirms the method for Phase 2. An old format may not work in the new round.

Mistakes and scams to avoid

Most rejections come from simple errors, not from a lack of animals. The common mistakes are a SIM in another person's name, animals that are not registered in SPMS-9211, a wrong animal count, an expired CNIC, and a typing error in the CNIC number. Each one can be fixed before the window opens, and each one is cheaper to fix now than after a rejection.

Scams follow the same pattern as other government schemes. A caller may promise a card for a fee, or ask for a JazzCash or EasyPaisa payment to open registration. A message may share a fake form link that looks official but does not end in gov.pk. A stranger may ask for your CNIC photo, your card PIN or a one time password. None of those requests come from the department. The department does not ask for your PIN or one time password, and registration is free. Use only the official portal, the SMS short code confirmed on that portal, the helpline on 0800-09211, or a Civil Veterinary Hospital. For general fraud warning signs, read our guide on how to avoid BISP fraud.