The Punjab Government, under the leadership of Chief Minister Maryam Nawaz Sharif, has officially moved into the distribution phase for the Livestock Card Third Installment in 2026. This scheme is designed to empower small-scale farmers by providing interest-free credit for high-quality animal feed, silage, and mineral mixtures, ensuring better growth for livestock and higher profits for farmers.
Understanding how to access these funds and utilizing them correctly is the key to maximizing the benefits of this digital livestock revolution.
Highlights of the Third Installment 2026
The third installment represents the final stage of the current credit cycle for many farmers. The credit limits are tailored to the number of animals registered under the card.
Farmers are eligible for interest-free loans ranging from Rs. 135,000 to Rs. 270,000. The loan is provided as a credit limit on the card, intended for a 4-month usage cycle with a 1-month grace period for repayment. The third installment is usually disbursed to those who have maintained a clean record and successfully utilized the first two tiers of credit.
How to Get Your Third Installment Payment
The process for the 2026 installment is automated and linked to your biometric verification and previous repayment history.
Go to the official portal at plc.punjab.gov.pk or use the SPMS 9211 app to verify that your third installment has been credited to your card. Ensure you have completed the biometric verification at your local Bank of Punjab (BOP) branch or through a registered livestock dealer. If your limit is not appearing, contact your local Veterinary Office to ensure your animal tagging and physical verification records are up to date. You will receive an official SMS from 8070 once the limit for the third installment is activated on your card.
Proper Use of the Livestock Card Funds
The Livestock Card is not a cash withdrawal card; it is a specialized credit tool meant for agricultural inputs. Using it “properly” means adhering to the government’s guidelines to avoid being blacklisted.
The funds should only be used to purchase Wanda (feed), Silage, and Mineral Mixtures. Only buy supplies from Registered Dealers authorized by the Punjab Livestock Department. These dealers have the necessary POS machines to process Livestock Card transactions. Keep all purchase receipts. The Department of Livestock may conduct random audits to ensure the feed purchased matches the number of animals registered. Avoid attempting to “cash out” the card through unauthorized vendors, as this can lead to the permanent cancellation of your card and legal action.
Repayment and Eligibility for Phase-III
Timely repayment of the third installment is crucial if you wish to remain eligible for the upcoming phases in late 2026.
Repay the total used amount within the 1-month grace period following the 4-month cycle. The Bank of Punjab (BOP) offers easy repayment options through its mobile app, ATMs, and branch counters. Farmers who repay on time are automatically shortlisted for Phase-III, which may include higher credit limits and additional animal health insurance benefits.
Troubleshooting Common Issues
If you are facing difficulties in 2026, the government has established dedicated support channels.
If your card is declined, ensure your mobile number is still active and registered in your own name, as OTPs are sent for transaction security. If a dealer is overcharging or refusing to accept the card, report the matter immediately to the Livestock Helpline. For any technical errors, call the official toll-free helpline at 0800-09211.