The Ramzan relief initiative 2026 has started bringing financial support to millions of deserving families across Punjab. Under the program launched by the Government of Punjab (Pakistan), eligible households are receiving a one-time cash grant of Rs. 10,000 through the Nigehban Ramzan ATM Card.
According to the latest February 2026 updates, around 4.2 million families are benefiting from this relief package. Distribution of ATM cards has already begun across districts, with many families receiving cards directly at their homes.
If you have received your card or are waiting to withdraw funds, this complete step-by-step guide explains the eligibility process, card activation, ATM withdrawal method, and alternative payment options.
Ramzan Nigheban Package 2026 – Latest Update
The Ramzan Nigehban Package aims to help low-income families manage rising food and household expenses during Ramadan. Beneficiaries receive Rs. 10,000 through a secure ATM-based payment system to ensure transparency and convenience.
Quick Overview
| Program Name | Ramzan Nigehban Package 2026 |
| Financial Assistance | Rs. 10,000 (One-time) |
| Total Beneficiaries | 4.2 Million Families |
| Distribution Method | ATM Card & Digital Payments |
| Card Delivery Start Date | 10 February 2026 |
| Coverage Area | Punjab Province |
Step 1: Check Eligibility and Card Status
Before withdrawing money, you must confirm your eligibility and card delivery status.
SMS Eligibility Check
Follow these simple steps:
- Open your mobile SMS app
- Type your 13-digit CNIC number (without dashes)
- Send it to 8070
- You will receive a confirmation message regarding eligibility
Online Status Verification
You can also verify eligibility through the official Punjab Socio-Economic Registry (PSER) portal. This portal shows registration details and payment approval status.
If You Have Not Received the Card
If your card has not arrived yet, you can visit:
- Local district distribution teams
- Nearby e-Khidmat Markaz
Officials will check your record and guide you about card delivery.
Step 2: Ramzan Nigheban ATM Card Activation
Your card must be activated before the first withdrawal. Without activation, the ATM will not allow transactions.
How to Activate the Card
Visit any of the following locations:
- Dedicated Activation Centers (136+ centers across Punjab)
- Branch of Bank of Punjab
Documents Required
You must bring:
- Original CNIC
- Nigehban ATM Card
Activation Process
- Submit your CNIC for verification
- Provide thumbprint biometric verification
- Create a 4-digit ATM PIN
- Card activation will be completed immediately
After activation, your card becomes ready for cash withdrawal.
Step 3: Withdraw Rs. 10,000 from ATM – Complete Guide
Once your card is activated, follow these steps to withdraw your relief amount.
ATM Withdrawal Process
You can use ATMs of:
- Bank of Punjab
- Habib Bank Limited (HBL)
- United Bank Limited (UBL)
- Any ATM connected to 1LINK network
Step-by-Step ATM Withdrawal
- Insert your Nigehban ATM Card
- Enter your 4-digit PIN
- Select Cash Withdrawal
- Choose Current or Default Account
- Enter 10,000 amount
- Confirm transaction
- Collect your cash and receipt
Always keep your receipt safe for record purposes.
Alternative Ways to Withdraw Cash Without ATM
If you face difficulty using an ATM, you can collect payment through branchless banking services.
Authorized Payment Agents
You can visit:
- HBL Konnect
- UBL Omni
- AlfaPay
Agent Withdrawal Process
- Visit nearest authorized agent shop
- Provide original CNIC
- Complete biometric thumb verification
- Receive Rs. 10,000 cash instantly
This option is helpful for rural families or senior citizens.
Common Problems and Solutions
Card Not Delivered
- Visit e-Khidmat Markaz or local distribution office
- Confirm eligibility through 8070 SMS service
Biometric Verification Failure
Sometimes ATM machines may not recognize thumbprints. In this case:
- Visit Bank of Punjab branch
- Request manual verification
Forgot ATM PIN
- Visit activation center again
- Request PIN reset with CNIC verification
Government Helpline for Assistance
Beneficiaries facing payment or card issues can contact the official support helpline:
Toll-Free Helpline: 0800-02345
Support teams assist with:
- Card delivery complaints
- Activation issues
- Payment verification
- Biometric problems
Important Safety Instructions
- Never share your ATM PIN with anyone
- Avoid help from unknown persons at ATMs
- Always count cash before leaving ATM
- Use only official agents and bank branches
Why the Ramzan Nigehban Package Matters
The program is part of Punjab’s broader social welfare strategy to support low-income households during Ramadan when household expenses usually increase. The digital payment system ensures transparency, fast distribution, and reduced corruption.
Millions of families are expected to benefit from this program before Ramadan begins.
Final Thoughts
The Ramzan Nigehban ATM Card 2026 provides a convenient and transparent way for deserving families to receive financial relief. Beneficiaries should ensure eligibility verification, card activation, and follow proper ATM withdrawal steps to receive their Rs. 10,000 assistance without any difficulty.
The Punjab government has expanded support centers and digital payment channels to ensure every eligible family receives help before Ramadan.
FAQs
Who is eligible for the Rs. 10,000 assistance?
Low-income families registered in the PSER database and verified through government screening are eligible.
Can I withdraw money from any ATM?
Yes, you can use Bank of Punjab, HBL, UBL, or any 1LINK-supported ATM.
Is card activation mandatory?
Yes, biometric activation is required before first withdrawal.
What if my card is lost?
Immediately report to helpline or Bank of Punjab branch for replacement.
Can someone else withdraw money on my behalf?
No, biometric verification requires the original beneficiary.