The CM Negahban Ramzan Card 2026 is one of the biggest relief initiatives introduced by the Government of Punjab to support low-income families during the holy month of Ramadan. Under this program, deserving families receive Rs. 10,000 financial assistance along with ration support in selected areas.
This relief package has been designed to reduce financial pressure on families facing rising inflation and food expenses during Ramadan. In this article, we will explain the complete registration process, eligibility criteria, payment method, and step-by-step guide to check your status.
CM Negahban Ramzan Card 2026 – Overview
The Punjab government launched this program to provide direct financial relief and essential food supplies to deserving households across the province. The scheme is fully digitized and aims to ensure transparent distribution of funds.
Key Program Details
| Feature | Details |
| Program Name | CM Negahban Ramzan Card 2026 |
| Cash Assistance | Rs. 10,000 (One-Time Payment) |
| Target Beneficiaries | 3 to 4 Million Families |
| Total Budget | Rs. 40 to 47 Billion |
| Coverage | Punjab Province |
| Payment Method | ATM Card / Branchless Banking |
| Eligibility Check | SMS & PSER Portal |
The program is designed to reach nearly 10 million individuals across Punjab.
Eligibility Criteria for CM Negahban Ramzan Card
To qualify for the Rs. 10,000 assistance, applicants must fulfill specific eligibility requirements set by the Punjab government.
Basic Eligibility Requirements
Applicants must:
- Be a permanent resident of Punjab
- Have a household monthly income below Rs. 45,000 to Rs. 60,000
- Have a poverty score below 30 PMT recorded in the Benazir Income Support Programme database
- Belong to a low-income or deserving household
Who Is Not Eligible?
You may not qualify if:
- You are a government employee
- You are a taxpayer or income tax filer
- You own more than three acres of agricultural land
- You own a registered personal vehicle
Families already receiving BISP assistance are often automatically included in this relief package.
CM Negahban Ramzan Card 10000 Registration Process
The Punjab government has introduced multiple registration methods to make the process easy for citizens.
1. Registration Through SMS Service
This is the fastest and easiest method to check eligibility.
Step-by-Step Guide
- Open your mobile messaging app
- Type your 13-digit CNIC number
- Send SMS to 8070 (Punjab Negahban Program)
- You can also send SMS to 9999 for federal Ramzan relief verification
- Wait for a confirmation message
You will receive one of the following responses:
- Eligible
- Not Eligible
- Under Verification
2. Registration Through PSER Online Portal
The Punjab Socio-Economic Registry portal allows families to register digitally.
Steps to Apply Online
- Visit the official PSER Punjab portal https://pser.punjab.gov.pk/
- Create your account using CNIC and personal details
- Fill household survey form
- Submit required information
- Wait for verification process
This method helps families update their socio-economic data to become eligible for government relief schemes.
3. Registration Through Physical Centers
If online or SMS registration does not work, citizens can visit:
- Local Union Council Office
- BISP Registration Centers
- PSER Survey Centers
Officials will conduct a dynamic household survey and register applicants manually.
How CM Negahban Ramzan Card Is Delivered
After verification, beneficiaries receive their Negahban ATM cards through district administration teams.
Card Delivery Process
- Cards are delivered directly to beneficiaries’ homes
- Verification is done through CNIC and biometric confirmation
- Only verified families receive cards
Negahban Ramzan Card Activation Process
After receiving the card, activation is mandatory before using it.
Activation Steps
- Visit designated activation center
- Provide CNIC verification
- Complete biometric verification
- Card will be activated instantly
Punjab government has established 136+ activation centers across the province.
How to Withdraw Negahban Card 10,000 Payment
After activation, beneficiaries can withdraw funds through multiple payment channels.
2 Available Withdrawal Methods
1. ATM Withdrawal
Beneficiaries can withdraw money from any ATM connected with the 1-Link payment system.
2. Branchless Banking Agents
Funds can also be withdrawn through:
- HBL Konnect
- UBL Omni
- Bank of Punjab agents
More than 22,000 agents are available across Punjab to assist beneficiaries.
What to Do If CNIC Record Is Not Found?
If the system shows your record is missing, follow these steps:
- Register on PSER Portal
- Visit nearest Union Council office
- Visit BISP dynamic survey center
- Contact official helpline for assistance
Official Helpline
If you face registration or payment issues, contact the official helpline:
📞 0800-02345
The helpline provides guidance regarding eligibility, verification, and payment complaints.
Benefits of CM Negahban Ramzan Card Program
The Negahban Ramzan Card offers multiple benefits for deserving families:
- Direct cash assistance of Rs. 10,000
- Transparent digital payment system
- Free or subsidized ration bags in selected districts
- Reduced financial burden during Ramadan
- Doorstep card delivery
Latest Updates 2026
Punjab government has expanded program coverage for 2026 to include more families compared to previous relief schemes. Authorities are focusing on:
- Faster verification through PSER database
- Doorstep card distribution
- Expansion of branchless banking withdrawal network
- Integration with BISP beneficiary database
Frequently Asked Questions (FAQs)
Who can apply for Negahban Ramzan Card?
Low-income Punjab residents meeting poverty score and income criteria can apply.
How much financial assistance is given?
Eligible families receive Rs. 10,000 one-time payment.
How can I check eligibility?
Send your CNIC to 8070 or 9999 via SMS.
Is there any registration fee?
No. Registration is completely free.
Can BISP beneficiaries apply?
Yes, most BISP beneficiaries are automatically eligible.
Where can I withdraw money?
Funds can be withdrawn from ATMs and branchless banking agents.
Final Words
The CM Negahban Ramzan Card 2026 is a major welfare initiative designed to support millions of struggling families in Punjab. By providing Rs. 10,000 financial assistance and ration support, the program helps citizens manage essential expenses during Ramadan.
Eligible families should check their CNIC through SMS or the PSER portal immediately to avoid missing the registration deadline. Early verification ensures timely card delivery and payment release before Ramadan begins.
Don’t miss this opportunity — check your eligibility today and get financial relief for a peaceful and stress-free Ramadan.