Pakistani impoverished families can receive financial assistance through the Benazir Income Support Program (BISP). Recently, the government made a change in the rules for people in Punjab. A woman or her spouse will no longer be eligible for BISP payments if they have taken out a loan under a government program such as Apni Chhat Apna Ghar or Asaan Karobar. This change is part of the government’s effort to make sure that only the people who need help the most are supported.
| Condition | Action |
| Never took a government loan | You will continue receiving BISP payments. |
| Took a loan but repaid or canceled it | Check your status with BISP to confirm if payments are still active. |
| Took a housing or business loan | Your BISP payments may be blocked. Check your eligibility with BISP. |
| Not sure about your loan status | Use the BISP SMS service (send CNIC to 8171) or check online. |
Table of Content
Why Is This Change Happening?
The government’s decision to stop BISP payments for loan takers is meant to ensure fairness. Many people were getting help from multiple programs at the same time, which made it unfair for others who were truly in need. By stopping the payments for those who already have loans, the government aims to:
- Prevent misuse of funds
- Allow more deserving families to receive assistance
- Make the program more transparent and fair
Who Will Be Affected by This Rule?
Punjabi women who get BISP payments will be impacted by the new regulation. If they or their spouses have borrowed money from the Apni Chhat Apna Ghar program (for housing) or the Asaan Karobar program (for small companies), they will discontinue getting BISP payments. Their payments will only restart once their loan situation changes
Also Read: BISP Digital Payments via RAAST 2025 – Pilot Live in 7 Areas
New Rule for BISP Payments
The new rule in Punjab will affect women who are receiving BISP payments. If they or their husbands have taken a loan from either the Asaan Karobar program (which provides business loans) or the Apni Chhat Apna Ghar program (which offers housing loans), they will no longer receive their monthly BISP payments. This rule is in place to ensure that the financial aid reaches those who need it most. If their loan situation changes, such as paying off or canceling the loan, they can apply again to receive BISP payments.
What Should You Do if You Are Affected?
If you are currently receiving BISP and think your payments might be stopped because of a loan, here’s what you can do:
- If you haven’t taken any loan: You will continue to receive BISP payments.
- If you took a loan but repaid or canceled it: Check your status with BISP to see if your payments are still active.
- If you took a housing or business loan: Your BISP payments may be blocked. You should check your status online or by sending your CNIC number to 8171.
How Can You Check Your BISP Status?
To find out if your BISP payments have been blocked, you can:
- Check online: Visit the BISP website and enter your CNIC number to find out your status.
- Send an SMS: Text your CNIC number to 8171 to receive an update on your eligibility.
- Visit BISP offices: Go to a nearby BISP center for help with your payment status.
Also Read: BISP Second Installment Begins May – Pakistan-wide Disbursement
Conclusion
In this article, we are sharing all the details about the 2025 BISP eligibility update, particularly the new rule regarding loan takers in Punjab. The government’s goal is to make the program fairer and more transparent. Your BISP payments would be halted if you or your spouse have taken out a loan under the Asaan Karobar or Apni Chhat Apna Ghar schemes. It’s important to stay informed about these changes and take necessary actions if needed to avoid any problems with your payments.
FAQs
If I take out a house loan, would my BISP payments cease?
Yes, your BISP payments will be halted if you took out a loan through the Apni Chhat Apna Ghar plan.
What if my husband took a business loan?
You can also lose your eligibility for BISP if your spouse takes out a loan through the Asaan Karobar Program.
Can I rejoin BISP after repaying the loan?
You may reapply, but the outcome of the survey and the new eligibility checks will determine your eligibility.
How do I know if BISP is blocked?
You will receive an SMS from 8171, or you can check your status online.