The Government of Pakistan has launched a new phase of the Benazir Kafalat Instalment to support low-income families across the country.
According to the latest update, the third and final phase of this year’s Kafalat instalment will start on Wednesday, November 5, 2025. This payment covers the period from July to September 2025 and provides financial aid to thousands of registered women under the Benazir Income Support Programme (BISP).
To make the process transparent and easy, the government has established official payment camps nationwide. These centers provide seating areas, shade, drinking water, and female staff to assist beneficiaries.
Purpose of the New Kafalat Phase
The main aim of this phase is to empower women and help poor families manage essential expenses like food, education, and bills. By continuing the Kafalat Program, the government shows its commitment to reducing poverty and ensuring financial stability for women.
Only registered and verified female beneficiaries will receive this payment. Those who already receive BISP payments do not need to register again; they will automatically be included in this phase.
Benazir Kafalat November 2025 Payment Details
Start Date: November 5, 2025
Instalment Amount: Rs. 13,500 per woman
Period Covered: July to September 2025
Payment Method: Government Campsites
Requirement: Original CNIC for verification
Each eligible woman will receive Rs. 13,500 under the Kafalat Program. Payments for Benazir Taleemi Wazaif (education stipends) will be released separately in the next phase.
How to Receive Your Payment
Follow these simple steps to receive your payment smoothly:
- Visit your nearest BISP campsite after November 5, 2025.
- Bring your original CNIC for verification.
- Complete biometric verification on-site.
- Collect Rs. 13,500 from the payment officer.
- Keep your printed receipt for record and confirmation.
All beneficiaries must personally visit the campsite for collection. Payments will only be released after successful biometric verification.
Important Guidelines
- Bring your original CNIC (no photocopies).
- Biometric verification is required.
- Always collect and keep your receipt slip.
- Do not pay any extra commission or fee.
- Collect payments only from official BISP centers.
These rules are designed to ensure every woman receives her payment safely and without deductions.
Cluster and Districts for November 2025 Phase
To manage the process smoothly, BISP has divided payment distribution into different clusters handled by partner banks.
Cluster 6 (Bank of Punjab): Jamshoro, Dadu, Qila Saifullah, Qila Abdullah, Pishin, Tank, Toba Tek Singh, Mianwali, Multan
Cluster 7 (Mobilink Jazz): Sajawal, Tando Allah Yar, Tando Muhammad Khan, Hyderabad, Kharan, Chaghi, Malakand, Rahim Yar Khan
Cluster 9 (HBL): Khairpur, Harnai, Ziarat, Sibi, Lakki Marwat, Okara, Sheikhupura
Cluster 11 (Aflah Bank): Kashmore, Lehri, Dera Bugti, Kohlu, Karak, Lahore, Hafizabad, Khanewal
Cluster 12 (Aflah Bank): Larkana, Shikarpur, Barkhan, Musa Khel, Shirani, Dera Ismail Khan, Kasur, Bahawalnagar
Cluster 13 (HBL Microfinance Bank): Ghotki, Zhob, Loralai, Buner, Haveli, Ghizer, Gujranwala, Layyah, Bahawalpur
Before visiting, beneficiaries should check their district and cluster to know which campsite and bank will handle their payment.
Documents Required
To receive your payment, make sure you carry:
- Original CNIC
- SMS confirmation from BISP (if received)
- Previous payment receipt (optional but useful)
Safety Tips
- Visit only official BISP campsites.
- Do not share your CNIC or fingerprints with anyone except authorized staff.
- Keep your receipt slip safe.
- Never pay any extra amount.
- Report any problem immediately to the BISP staff on-site.
These safety steps protect you from fraud and ensure a smooth payment process.
Special Arrangements for Women
The government has made special arrangements for the comfort and respect of women. Each center includes female staff, shaded areas, seating, drinking water, restrooms, and separate facilities for elderly women, mothers with children, and disabled individuals.
These measures show the government’s commitment to providing a safe and respectful environment during payment distribution.
If You Face Any Problem
If you face biometric errors, missing payments, or other issues, follow these steps:
- Contact the BISP representative at your campsite.
- Visit your nearest BISP Tehsil Office if not resolved.
- Call the official BISP helpline at 8171.
- Keep your payment receipt as proof.
These steps will help resolve your issues quickly and ensure no one misses their rightful instalment.
Conclusion
The new phase of the Benazir Kafalat Program 2025 is a key initiative to support women and low-income families in Pakistan. Starting from November 5, 2025, each eligible woman will receive Rs. 13,500 for the July–September 2025 period through government-established campsites.
All beneficiaries should bring their original CNIC and collect payments from official centers only. The government is committed to making the entire process transparent, safe, and comfortable for every deserving woman.
