Last updated: 3 November 2026 (Asia/Karachi). Partner banks and payment rules taken from bisp.gov.pk news and press release PDFs only. Older “Rs 10,500 only” wording on this URL is outdated.
The BISP Kafaalat program banks list now centres on six partner banks serving Benazir Kafaalat households across clusters nationwide. BISP also announced a higher quarterly stipend in January 2025 and, in June 2026, an interoperable digital wallet path so women can withdraw from participating retailers more flexibly. Always match your SMS instructions and never share your PIN or hand over your phone at a shop.
BISP Kafaalat program banks list: official six banks
On BISP’s news detail about partnering with six banks for about 9.3 million beneficiary households, Secretary BISP named the following providers. This is the core BISP Kafaalat program banks list readers should trust:
| # | Partner named on BISP news page |
|---|---|
| 1 | Bank Alfalah |
| 2 | Bank of Punjab |
| 3 | Mobilink Microfinance |
| 4 | Telenor Microfinance Bank |
| 5 | Habib Bank Limited |
| 6 | HBL Microfinance |
Associated Press of Pakistan coverage dated 20 October 2026 repeats the same six partner set (HBL, Habib Microfinance, Bank Alfalah, Telenor Microfinance, Bank of Punjab, Mobilink/Jazz Bank) while explaining nationwide retailer access. Prefer the BISP site if any private bank marketing page disagrees with the BISP Kafaalat program banks list.
Quarterly amount
BISP Press Release No. 129 (Islamabad, 1 January 2025) states that Chairperson Senator Rubina Khalid announced an increase in the Kafaalat quarterly stipend from Rs 10,500 to Rs 13,500, effective immediately. Older posts (including the previous version of this URL) still talked only about Rs 10,500. Use the press release figure as the official announcement from that date, then confirm any later change on bisp.gov.pk before you plan travel costs around a withdrawal.
When people search the BISP Kafaalat program banks list they often still see screenshots of Rs 10,500. Those screenshots are historical unless a newer BISP PDF revises the number again.
Interoperable withdrawals
BISP Press Release No. 50 (Islamabad, 18 June 2026) describes agreements with 1LINK and partner banks for an interoperable digital wallet payment system. Stipends are credited to beneficiaries’ digital wallets, and women can then withdraw from the nearest retailer or agent of participating banks across Pakistan, regardless of which bank issued the payment. The release says the system will gradually become the primary nationwide channel and that more than 10 million beneficiary families stand to benefit. Attendees listed include the State Bank of Pakistan, 1LINK, Habib Bank Limited, Bank Alfalah, Bank of Punjab, HBL Microfinance Bank, Easypaisa, JazzCash, and the World Bank.
How to withdraw safely
- Wait for the official payment SMS from BISP channels you already trust.
- Take your original CNIC. Biometric verification is part of the payment design described in BISP messaging.
- Prefer retailers or ATMs named in your SMS or on official BISP guidance tied to the BISP Kafaalat program banks list.
- Do not hand your mobile phone to the shopkeeper while cashing out.
- Keep confirmation messages after transfer and withdrawal.
- For free Benazir SIMs, follow BISP office instructions only.
- Call helpline 0800-26477 from the BISP site if a retailer demands a cut or blocks your biometric without cause.
Related reading: BISP women smartphone initiative coverage.
Clusters and older two bank model
The six bank news page explains that BISP previously relied on only two banks whose contracts had expired, then moved to six banks and 15 clusters for clearer coverage and competition. Beneficiaries do not need to memorise cluster maps; they need the bank or retailer path printed in their payment message. If your area still shows long queues, interoperability and wallet rollout are meant to reduce that pressure over time, not overnight at every shop.
Women who are new to digital wallets should ask BISP staff or the helpline how activation works in their district before travelling long distances. Keep a trusted family member with you at crowded retailers if that feels safer, but complete biometrics yourself. Never allow anyone else to place their finger on the device for your payment. If a shop claims the BISP Kafaalat program banks list excludes your district, ask for the refusal in writing and compare it with your SMS before you leave.
Common mistakes
- Travelling to an old two bank camp that no longer serves your cluster.
- Trusting a Facebook graphic that adds private microfinance names not on the official BISP Kafaalat program banks list.
- Paying a middleman who promises to “biometric from home.”
- Deleting payment SMS before a dispute is resolved.
FAQs
Which banks disburse BISP Kafaalat payments?
BISP’s own news page lists Bank Alfalah, Bank of Punjab, Mobilink Microfinance, Telenor Microfinance Bank, Habib Bank Limited, and HBL Microfinance under the six bank model.
What is the quarterly Kafaalat amount?
A BISP press release dated 1 January 2025 announced an increase from Rs 10,500 to Rs 13,500 per quarter, effective immediately at that time. Confirm the amount on the latest BISP notice before you travel to withdraw.
Can I withdraw from any partner bank retailer?
BISP Press Release No. 50 (18 June 2026) describes an interoperable digital wallet system so beneficiaries can withdraw from participating partner bank retailers nationwide, not only one fixed point. Rollout is gradual.
What should I take to withdraw?
Carry your original CNIC. Official messaging stresses biometric verification and warns against handing your phone to retailers during cash out.
What is the BISP helpline?
bisp.gov.pk displays helpline 0800-26477.
Are JazzCash or Easypaisa the same as the six banks?
The June 2026 ceremony materials name partner banks and also note Easypaisa and JazzCash among attendees for the wallet ecosystem. Follow BISP SMS and official pages for your assigned channel.
What if a retailer demands a cut?
Refuse, keep the SMS proof, and call the BISP helpline. Illegal deductions are not part of the programme rules.
Does this page replace BISP SMS instructions?
No. Your payment SMS and bisp.gov.pk always win if they differ from an older article.
