The Himmat Card is the Punjab government’s flagship financial support program for persons with disabilities, launched under Chief Minister Maryam Nawaz Sharif. It puts a guaranteed quarterly stipend directly in beneficiaries’ hands through a Bank of Punjab ATM/debit card — plus free healthcare, assistive devices, and transport concessions. If you or a family member holds a certified disability, this guide covers exactly who qualifies, how to apply through the DPMIS system, how payments arrive, and how to avoid the agents who exploit this scheme.
Quick Answer
The Himmat Card gives certified persons with disabilities in Punjab Rs 10,500 every quarter (Rs 42,000/year), paid via a Bank of Punjab ATM/debit card. You must be a Punjab resident with a certified disability, assessed as not fit to work, with a PMT score of 45 or below, and not receiving BISP/PSPA/Zakat/Bait-ul-Maal support. There is no fixed age limit — guardians apply for minors. Applications go through the DPMIS (Disabled Persons Management Information System) of the Punjab Social Welfare & Bait-ul-Mal Department. Registration is free — never pay any agent.
What Is the Himmat Card?
The Himmat Card (ہمت کارڈ) is Punjab’s dedicated financial assistance program for persons with disabilities (PWDs), administered by the Punjab Social Welfare & Bait-ul-Mal Department. Unlike one-off charity distributions, it is a recurring quarterly entitlement: once you qualify and receive your card, you get Rs 10,500 every three months, totaling Rs 42,000 per year.
Key program facts at a glance:
| Feature | Detail |
|---|---|
| Official name | Himmat Card |
| Run by | Punjab Social Welfare & Bait-ul-Mal Department |
| What it pays | Rs 10,500 per quarter (Rs 42,000/year) |
| Payment method | Bank of Punjab ATM/debit card |
| Who qualifies | Certified persons with disabilities assessed not fit to work (guardians apply for minors) |
| Residence | Punjab province (Punjab-registered CNIC) |
| Beneficiaries | 65,000+ in the first phases, expanding toward ~100,000 |
| Registration fee | Zero — completely free |
How Much Does the Himmat Card Pay?
The stipend structure is simple and fixed:
| Period | Amount |
|---|---|
| Per quarter | Rs 10,500 |
| Per year (4 quarters) | Rs 42,000 |
There is no sliding scale based on the degree or type of disability — once you are certified and registered, the quarterly amount is the same for every beneficiary. This predictability matters: families can budget for assistive-device maintenance, medicines, and transport knowing the payment arrives each quarter.
Where can you withdraw the Himmat Card payment?
Payments are delivered through a Bank of Punjab (BOP) ATM/debit card issued to the beneficiary. That means you can withdraw or use the stipend at:
- BOP ATMs across Punjab (and 1LINK network ATMs nationwide)
- Point-of-sale terminals wherever debit cards are accepted
- BOP branches for counter service
Your first quarter’s payment is typically loaded once your card is issued and activated. Keep your card PIN private — the department will never call you asking for it.
Who Is Eligible for the Himmat Card?
The Himmat Card eligibility test has six parts. You must satisfy all of them:
1. Certified disability
You must be certified as a person with a disability by the competent authority — this is typically the District Assessment Board / medical board process run through the Social Welfare Department. Without a disability certificate, the application cannot proceed.
2. No fixed age limit
The official criteria set no specific age limit. For children and young people with disabilities, parents or legal guardians apply on their behalf — the benefit then reaches the minor through the guardian’s care.
3. Punjab residence
The scheme is a Punjab government program, so beneficiaries must be residents of Punjab with a Punjab-registered CNIC.
4. PMT score ≤ 45
The household must score 45 or below on the Proxy Means Test (PMT) — the poverty score from BISP’s household survey data. A score above 45 makes you ineligible under the current criteria.
5. Assessed “not fit to work” and not employed
The program targets persons whose disability leaves them unable to earn: you must be assessed “not fit to work” by the disability board and must not be employed in a government or private job.
6. No parallel stipend
You must not be receiving financial assistance from BISP, PSPA, the Zakat Fund, or Bait-ul-Maal. These programs do not stack with the Himmat Card under the current eligibility criteria.
Benefits Beyond the Cash Stipend
The Himmat Card is more than a quarterly payment. Registered beneficiaries also get access to:
- Free treatment in government hospitals — covered medical care at public hospitals across Punjab
- Assistive devices — wheelchairs, hearing aids, and artificial limbs provided or prioritized for beneficiaries
- Transport concessions — reduced-fare travel on public transport, including the Metro bus and Orange Line systems
- Government job quota — Punjab reserves a 3% employment quota for persons with disabilities (a general statutory right for PWDs, not specific to this card)
- 30% women quota — a dedicated share of program benefits reserved for women with disabilities
These benefits make the Himmat Card one of the most comprehensive disability support packages any Punjab government has offered — the quarterly cash solves day-to-day expenses while the linked benefits address healthcare and mobility.
How to Apply for the Himmat Card: Step-by-Step
Himmat Card apply online happens through the DPMIS — the Disabled Persons Management Information System — run by the Punjab Social Welfare & Bait-ul-Mal Department. Follow these steps:
- Get your disability certificate first. Visit your district’s disability assessment board/medical board through the Social Welfare Department and complete the assessment. You cannot apply without this certification.
- Access DPMIS. Open the official DPMIS portal of the Punjab Social Welfare & Bait-ul-Mal Department — reach it from the department’s official website rather than clicking forwarded links, since third-party sites cite varying addresses. You can also register in person at your district Social Welfare office.
- Register with your details. Create your profile with your CNIC (or the guardian’s CNIC for minors), disability certificate number, contact details, and address.
- Upload your documents. Attach scanned copies of the documents listed below. Make sure scans are clear and readable.
- Submit and track. Submit the application and note your application/reference number. The system routes your case through verification — your district Social Welfare office confirms the disability certificate and eligibility.
- Collect your card. Once approved, your Bank of Punjab Himmat Card is issued. Quarterly payments are loaded to it automatically.
Documents checklist
- Valid CNIC (applicant’s, or guardian’s for minors)
- Disability certificate from the assessment board
- Proof of Punjab residence (domicile, or a recent utility bill)
- Passport-size photograph
- Active mobile number for SMS updates
- Confirm the complete current list at your district Social Welfare office — requirements are updated periodically
How to Check Your Himmat Card Application Status
Enter the beneficiary’s CNIC (the disabled person’s own CNIC, not the guardian’s) on the DPMIS verification page to check verification, approval, and card issuance status. Beneficiaries also typically receive SMS updates on their registered mobile number when their card is issued or a payment is released. For help, call the Himmat Card helpline 1312. If your application seems stuck, visit your district Social Welfare office with your application reference number rather than trusting anyone who offers to “speed it up” for a fee.
Himmat Card Phase II and the 2026 Expansion
The program has expanded in phases — 40,000 beneficiaries in Phase 1 and 25,000 more in Phase 2 (65,000 total), with further phases taking the program toward roughly 100,000 beneficiaries — and it continues into 2026. If you applied in the first phase but didn’t receive a card, re-check your application status — subsequent phases have processed backlogged applications. New applicants should not wait: register through DPMIS now so you’re in the system for the next disbursement round.
Himmat Card vs BISP: Don’t Confuse Them
People often mix up Punjab’s Himmat Card with BISP (Benazir Income Support Programme). They are different programs:
| Feature | Himmat Card | BISP |
|---|---|---|
| Scope | Punjab only | Nationwide (federal) |
| Who qualifies | Certified persons with disabilities | Low-income households (PMT-based) |
| Amount | Rs 10,500/quarter | Rs 14,500/quarter (2026) |
| Administered by | Punjab Social Welfare & Bait-ul-Mal | BISP (federal) |
| Check via | DPMIS / Social Welfare office | 8171 SMS/portal |
They are separate schemes with separate applications — and they do not stack: under the current Himmat Card criteria, anyone receiving BISP (or PSPA, Zakat, or Bait-ul-Maal) assistance is not eligible for the Himmat Card.
⚠️ Himmat Card Scam Warning
Because the Himmat Card is free money for a vulnerable population, fraudsters actively target applicants:
- Registration is 100% free. Anyone asking for a “processing fee,” “card issuance fee,” or payment to “confirm” your stipend is a scammer.
- Apply only through official .gov.pk channels. Fake websites and Facebook pages collect your CNIC and personal data. Always verify you’re on the real Social Welfare Department system.
- The department will never ask for your ATM PIN or OTP by phone or WhatsApp. If someone calls claiming to be from the department asking for card details, hang up.
- No agent can get you approved faster. Verification is done by the assessment board and district offices only. “Agents” who promise approval for a fee will take your money and disappear.
- Never share your disability certificate or CNIC photos in unofficial WhatsApp groups.
If someone has already taken money from you, report them to the Punjab Social Welfare Department or the Himmat Card helpline 1312 (and to FIA cybercrime channels if money was taken online).
Frequently Asked Questions
Q1: What is the Himmat Card and how much does it pay?
The Himmat Card is Punjab’s quarterly financial aid program for persons with disabilities. It pays Rs 10,500 every quarter (Rs 42,000/year) via a Bank of Punjab ATM/debit card, plus free treatment in government hospitals, assistive devices, and transport concessions.
Q2: Who is eligible for the Himmat Card?
Certified persons with disabilities in Punjab who are assessed not fit to work, are not employed, have a household PMT score of 45 or below, and are not receiving BISP/PSPA/Zakat/Bait-ul-Maal support. There is no fixed age limit — parents or guardians apply on behalf of minors with disabilities.
Q3: How do I apply for the Himmat Card?
Get your disability certificate from your district assessment board first, then register on the DPMIS (Disabled Persons Management Information System) of the Punjab Social Welfare & Bait-ul-Mal Department (or at your district Social Welfare office), upload your documents, submit, and track your application by its reference number.
Q4: Where can I withdraw the Himmat Card payment?
Through your Bank of Punjab ATM/debit card at BOP ATMs and point-of-sale terminals. Quarterly payments are loaded automatically once your card is active.
Q5: Is the Himmat Card still active in 2026?
Yes. The program has expanded in phases (65,000 beneficiaries across Phases 1–2, growing toward roughly 100,000) and continues into 2026.
Q6: Can a family member apply on behalf of a disabled person?
Yes — for applicants under 18, a parent or legal guardian applies on their behalf (status is still checked with the disabled person’s own CNIC). Adults generally apply themselves, though assistance with the online form is fine.
Q7: Do I need to pay anything to apply?
No. Registration and the card are completely free — never pay anyone claiming otherwise.
Q8: Can I get both the Himmat Card and BISP?
No — not at the same time. Under the current Himmat Card eligibility criteria, anyone receiving BISP, PSPA, Zakat, or Bait-ul-Maal assistance is not eligible for the Himmat Card. If a different member of your household receives BISP, ask the helpline (1312) how your case is treated before giving up either payment.