Finance
BISP Ehsaas Program 2025: Complete Guide to Eligibility & Application
By huzi.pk
(Updated 18 August 2025 | Covers Kafalat, Taleemi Wazaif & Emergency Grants)
"In 2025, financial relief is three taps away—no agent queues, no paperwork mountains."
💰 2025 Program Offerings
| Program | Benefit | Frequency | Target Group |
|---|---|---|---|
| Kafalat | ₨ 13,500 per quarter | Quarterly | Women-headed households |
| Taleemi Wazaif | ₨ 1,500–₨ 4,000/child | Quarterly | Students (4–22 years) |
| Emergency Cash | ₨ 25,000 (one-time) | Crisis | Disaster-affected families |
| Graduation Bonus | ₨ 3,000 (girls only) | Primary | Girls finishing Grade 5 |
Sources: 5,12,13
✅ Eligibility Criteria
You qualify if you:
- Belong to a household scoring ≤32 on the Poverty Means Test (PMT)
- Are a female head of household, widow, orphan, or person with disability
- Have monthly income < ₨ 25,000
- Are registered in NSER database
- Have children aged 4–22 attending school (for Taleemi Wazaif)
Automatic disqualifiers:
- Government employment (you or spouse)
- Vehicle ownership or foreign travel history
- Mobile bills > ₨ 1,000/month
- Property/assets exceeding thresholds
📱 3 Ways to Check Eligibility
-
SMS to 8171
- Text your 13-digit CNIC (without dashes) to 8171
- Response codes: Eligible, Payment Ready, Under Verification, or Not Eligible
-
Online Portal
- Visit 8171.bisp.gov.pk
- Enter CNIC + captcha → Click "Check Status"
-
BISP Center Visit
- Locate centers via BISP Helpline: 0800-26477
- Bring original CNIC + household income proof
📝 Step-by-Step Application
New NSER Registration (Mandatory First Step)
- Locate Center: Find nearest Ehsaas Registration Center via SMS ADDRESS to 8171.
- Documents: CNIC, children's B-Forms, utility bill, income proof.
- Biometric Verification: Fingerprint scan for all adults in household.
- Survey: Answer NSER questions on assets/income honestly – determines PMT score.
Taleemi Wazaif (Education Stipend) Enrollment
Visit BISP Office with:
- Child's B-Form/CRC (NADRA-verified)
- School admission slip (stamped by institution)
- Beneficiary mother's CNIC
- Attendance Compliance: Maintain 70% school attendance quarterly to continue receiving stipends.
💳 Collecting Payments
Kafalat/Emergency Cash:
- HBL ATMs/Retailers: Biometric verification + CNIC
- BISP Camps: Temporary camps in rural areas (SMS alert sent)
Taleemi Wazaif:
- Linked to mother's Kafalat account
- Girls earn 25–33% more than boys at all education levels
🚨 Critical 2025 Updates & Warnings
- NSER Re-Survey: Mandatory every 3 years – update data to avoid disqualification.
- Deceased Beneficiaries: Families must report deaths within 6 months to transfer benefits.
- Fraud Prevention:
- Never share OTPs – BISP never asks for passwords.
- Official SMS come only from 8171 – ignore "agent assistance" offers.
- Appeals Process:
- File grievances at BISP Tehsil Offices or via complaint.pta.gov.pk.
📚 Taleemi Wazaif Stipend Structure
| Education Level | Boys (₨) | Girls (₨) |
|---|---|---|
| Primary (4–12 yrs) | 1,500 | 2,000 |
| Secondary (8–18 yrs) | 2,500 | 3,000 |
| Higher Secondary (13–22 yrs) | 3,500 | 4,000 |
| Plus ₨ 3,000 bonus for girls completing primary |
📞 Support Channels
- Helpline: 0800-26477 (toll-free)
- WhatsApp: Send Ehsaas to +92 300 111 0004
- Email: [email protected] (response in 72h)
- Office Visits: 500+ BISP centers nationwide; find nearest via BISP Portal
✅ One-Screen Cheat Sheet
1. **Check Eligibility**:
- SMS <CNIC> to `8171` OR visit `8171.bisp.gov.pk`
2. **Register**:
- Visit Ehsaas center → NSER survey + biometrics
3. **Education Stipends**:
- Submit B-Form + school slip at BISP office
4. **Collect Cash**:
- HBL ATM/retailer: CNIC + fingerprint
5. **Compliance**:
- Maintain 70% school attendance (Taleemi)
"In 2025, poverty relief isn’t about charity—it’s about digital access."
Bookmark this guide—share with families battling inflation!
