Big News: Expansion of Benazir Kafalat Payments Through Additional Banks

Benazir Kafalat Payments

Benazir Kafalat Payments,The Benazir Income Support Programme (BISP) is a critical initiative aimed at providing financial assistance to the most vulnerable segments of Pakistani society. In a significant move to enhance the efficiency and transparency of payment distribution, BISP Chairperson Senator Rubina Khalid announced a partnership with six additional financial institutions. This expansion is set to make payments easier to obtain, more transparent, and less prone to corruption.

Background of BISP Payment Challenges

Initially, BISP worked with only two banks, which led to numerous challenges, including delays and inefficiencies in payment distribution. Beneficiaries often faced difficulties in accessing their stipends, resulting in widespread dissatisfaction and numerous complaints.

New Payment Model

Benazir Kafalat Payments,To address these issues, BISP has expanded its network to include six more banks. This move is aimed at improving the payment process, making it more efficient and user-friendly for the beneficiaries.

Partner Banks

  • Bank Al Falah

Bank Al Falah is one of the leading banks in Pakistan, known for its extensive branch network and robust financial services.

  • Bank of Punjab

The Bank of Punjab has a strong presence in Punjab, offering a wide range of banking services to its customers.

  • Mobilink Microfinance

Mobilink Microfinance is a prominent player in the microfinance sector, providing accessible financial services to underserved populations.

  • Telenor Microfinance Bank

Telenor Microfinance Bank, known for its EasyPaisa mobile wallet, is a key player in digital financial services.

  • Habib Bank Limited (HBL)

HBL is one of the largest banks in Pakistan, offering a comprehensive range of financial products and services.

  • HBL Microfinance

HBL Microfinance focuses on providing financial solutions to micro and small enterprises, promoting financial inclusion.

Payment Improvements

The addition of these banks facilitates transfers between JazzCash and EasyPaisa mobile wallets and bank accounts, making payments more accessible to beneficiaries. This integration aims to reduce complaints and streamline the payment process.

Transparency Measures

Benazir Kafalat Payments,To further enhance transparency, BISP has established payment campsites staffed by qualified professionals. These professionals assist beneficiaries, particularly women, who often face challenges in accessing their stipends. These campsites ensure that payments are distributed fairly and efficiently.

Corruption Reduction

A significant aspect of this initiative is the development of a digital payment solution in collaboration with the Ministry of Information Technology (MOIT). This digital system enhances the tracking and management of payments, significantly reducing the risk of corruption and ensuring that beneficiaries receive their payments promptly and without any discrepancies.

Purpose of the Partnership

Benazir Kafalat Payments,The primary goal of integrating more banks is to provide recipients with more options for receiving payments. This measure is expected to improve transparency and accountability in the payment process, ensuring that all beneficiaries are treated fairly and equitably.

Formal Agreements

The formal agreements with the new partner banks were signed during a ceremony attended by BISP Director General Naveed Akbar and executives from the partnering institutions. This event marked a significant milestone in the ongoing efforts to enhance the efficiency and transparency of the BISP payment model.

Benazir Kafalat Payments
Benazir Kafalat Payments

Improving Transparency and Reducing Corruption

Benazir Kafalat Payments,BISP’s commitment to improving transparency and reducing corruption is evident in the establishment of payment campsites and the implementation of a digital payment solution. These measures ensure that payments are distributed fairly and efficiently, providing much-needed assistance to beneficiaries, particularly women.

Digital Payment Solution

The collaboration with MOIT has led to the development of a new digital payment system, which represents a significant upgrade for BISP. This system ensures swift and accurate payment processing, improved money tracking, and reduced irregularities. It is a critical tool in combating corruption and ensuring that beneficiaries receive their payments without any issues.

Reintroduction of the Poverty Graduation Program

In addition to enhancing payment mechanisms, BISP has reinstated the Poverty Graduation Program. This program, which had been halted, is now back to help people become self-sufficient. It provides vocational training to 9.3 million households in Pakistan, enabling them to earn a living and support their families.

Skills Training

The Poverty Graduation Program offers a variety of skills training, allowing participants to choose the ones that best match their interests and needs. This training is crucial in helping beneficiaries achieve financial independence and improve their living conditions.


The addition of six more banks to the BISP payment model is a significant step towards enhancing the program’s efficiency and transparency. By offering a variety of payment options and establishing dedicated payment locations, BISP aims to eliminate complaints and ensure fair treatment for all beneficiaries. The return of the Poverty Graduation Program further demonstrates BISP‘s dedication to helping participants become self-sufficient and improve their quality of life.


Which banks are now part of the BISP payment model?

The banks include Bank Al Falah, Bank of Punjab, Mobilink Microfinance, Telenor Microfinance Bank, Habib Bank Limited (HBL), and HBL Microfinance.

What is the purpose of the new payment campsites?

The payment campsites are established to ensure transparency and efficiency in the disbursement of BISP stipends, reducing corruption and mistreatment of beneficiaries.

What is the Poverty Graduation Program?

The Poverty Graduation Program is an initiative aimed at providing skill training to BISP beneficiaries to help them become self-sufficient and support their families.

How will the digital payment solution help?

The digital payment solution, developed in partnership with MOIT, will enhance the tracking and management of payments, making the process more transparent and reducing fraudulent activities.

What are the main goals of BISP‘s new initiatives?

The main goals are to improve the efficiency and transparency of payment distribution, reduce corruption, provide more payment options, and help beneficiaries achieve financial independence through skill training.

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