Punjab Livestock Card 2025 – Interest-Free Credit for Cattle Farmers Starts

The Punjab Livestock Card 2025 gives small and medium cattle farmers a new way to buy fodder, feed, vaccines, and basic farm supplies on interest-free credit instead of cash. For many rural families who depend on milk and livestock income, this card can smooth monthly expenses and protect animals during tough seasons.

Under this scheme, approved farmers receive a digital or physical livestock card linked with partner shops, veterinary centers, and input suppliers. They can buy approved items on credit during the month and repay in easy installments later, without markup, as long as they follow the repayment schedule.

What Is the Punjab Livestock Card?

The Punjab Livestock Card is a special interest-free credit facility for farmers who rear cows, buffaloes, goats, or other livestock. Instead of taking cash loans at high interest, farmers can:

• Purchase fodder and compound feed

• Pay for vaccination and treatment

• Buy minerals, medicines, and basic equipment

All spending is recorded against the card limit, which is cleared in installments.

Who Can Apply for the Livestock Card?

Eligibility mainly focuses on genuine livestock keepers:

• Resident of Punjab with valid CNIC

• Owns or manages a minimum number of animals (as per scheme rules)

• Low or middle-income cattle farmer

• Willing to register animals and basic farm data

• No major default history with participating banks/microfinance bodies

Women livestock owners and small household farmers are usually encouraged to apply.

How the Interest-Free Credit Works

Once approved, each farmer gets a credit limit based on herd size and repayment capacity. They can swipe or use the Punjab Livestock Card at partner points.

Example Use of the Card

At the end of the billing period, the farmer repays the used amount in interest-free installments, often monthly or seasonally, depending on milk or sale income.

How to Apply – Basic Steps

1. Visit the Designated Bank or Livestock Office
   Ask for the Punjab Livestock Card application form.

2. Provide Required Information

   • CNIC

   • Mobile number

   • Address and village

   • Details of animals (type and quantity)

3. Attach Supporting Documents
   In some cases, you may be asked for proof of land tenancy or a reference from local authorities.

4. Verification Visit
   Officials or partner staff may visit to confirm your livestock and living address.

5. Approval & Card Issuance
   After approval, your interest-free credit limit is set and the card is activated for use at listed merchants.

Why the Punjab Livestock Card Matters

For many farmers, the biggest challenge is timing: expenses arrive daily, but income often comes later through milk payments or animal sales. The Punjab Livestock Card 2025:

• Smooths cash flow

• Protects animals from underfeeding

• Reduces dependence on moneylenders

• Encourages better animal health and productivity

Stronger livestock health usually means more milk, better weight gain, and higher sales prices.

Final Thoughts

The Punjab Livestock Card 2025 – Interest-Free Credit for Cattle Farmers is a practical step toward supporting dairy and livestock households that struggle with upfront costs. By shifting essential expenses to a zero-markup credit system, farmers can focus on animal care instead of constant cash shortages.

If you keep animals and live in Punjab, it is worth exploring this scheme through your nearest livestock office, bank branch, or agriculture support center. Keeping your documents ready and maintaining a good repayment habit can help you keep this powerful support tool active for the long term.

FAQs – Punjab Livestock Card 2025

1. Can the Punjab Livestock Card be used for anything other than farm needs?
No, the card is usually restricted to approved livestock-related purchases like feed, medicines, and animal care items at partner merchants.

2. Do I need land in my name to apply?
Not always. Many small livestock keepers without formal land ownership may still qualify if they can prove genuine cattle farming activity.

3. Is there any fee or hidden markup on the Punjab Livestock Card?
The scheme is designed as interest-free credit, but minor service fees or delays in repayment might attract penalties depending on the bank’s policy.

4. What is the expected credit limit for a small farmer?
Limits are generally linked to herd size and income and may range from small to moderate amounts suitable for monthly feed and health costs; exact figures depend on official notifications and bank policy (this is un-offficial update).

5. How will I know which shops accept the Livestock Card?
Participating feed stores, vet clinics, and suppliers are usually listed by the bank or livestock department, and many display scheme branding or stickers at their shops.