CM Himmat Card Program 2026 – Punjab Government’s Financial Aid for Persons with Disabilities
The CM Himmat Card Program is a landmark initiative by the Government of Punjab aimed at supporting Persons with Disabilities (PWDs) through regular financial aid, social inclusion, and digital empowerment. This welfare scheme, launched under the Punjab Social Welfare Department, provides eligible individuals with a smart ATM-enabled Himmat Card for receiving and managing stipends directly through banks.
This program ensures that differently-abled citizens not only receive financial support but also become part of a modern, transparent, and traceable welfare system that upholds their dignity and independence.
In this guide, you’ll learn everything about the CM Himmat Card Program—from eligibility criteria and registration steps to payment details and how Punjab’s initiative is transforming the lives of persons with disabilities.
What Is the CM Himmat Card Program and How It Works
The CM Himmat Card serves as both an identity and payment card for registered persons with disabilities. Through this program, beneficiaries receive quarterly stipends credited directly to their Bank of Punjab accounts, accessible via ATMs or branch counters.
The initiative’s purpose is to help disabled individuals meet essential needs, reduce dependency, and provide a gateway to digital financial inclusion — a key goal of Punjab’s welfare reforms.
WhatsApp ChannelEach beneficiary’s data is securely recorded in the Disabled Persons Management Information System (DPMIS), ensuring transparency and effective tracking of payments.
Who Can Apply? – Updated Eligibility Criteria for 2026
The eligibility for the CM Himmat Card is determined based on strict social and financial assessments. Applicants must meet the following criteria verified by the Punjab Social Welfare Department and DPMIS:
1. Certified Disability
You must have a Disability Certificate issued by the Punjab Social Welfare Department confirming that you are unable to work due to a physical or mental condition.
2. Unemployed Status
You should not be employed in any government or private organization at the time of application.
3. No Overlapping Aid
You must not be receiving aid from other government social programs such as BISP (Benazir Income Support Program), Bait-ul-Maal, or Zakat Fund.
4. Low PMT Score (Proxy Means Test)
Your PMT score — used to measure financial need — must be 45 or below. This ensures that only the most deserving individuals benefit from the program.
5. Updated Records in DPMIS
All personal details (CNIC, phone number, address, and disability type) must be correctly updated in the DPMIS database.
Step-by-Step Guide: How to Apply for the CM Himmat Card
The Himmat Card application is primarily handled through local Social Welfare Offices. Here’s how eligible applicants can register and complete the process:
Step 1: Obtain a Disability Certificate
Visit your District Social Welfare Office to apply for a Disability Certificate. Bring all medical records or reports for verification.
Step 2: Verify PMT Score
Ensure that your Proxy Means Test (PMT) score is 45 or below. This score can be verified through BISP databases or by requesting assistance from welfare officials.
Step 3: Update DPMIS Profile
Make sure your personal and disability details are updated in the Disabled Persons Management Information System (DPMIS). This database determines eligibility.
Step 4: Submit Application
Go to your nearest Social Welfare District Office, fill out the CM Himmat Card Application Form, and attach the following:
- CNIC copy
- Disability Certificate
- Proof of address
- PMT verification proof
- Passport-sized photograph
Step 5: Field Verification
After submission, a verification team may visit your residence to confirm your identity and disability status.
Step 6: Open Bank Account
Once approved, you will be guided to open an account at the Bank of Punjab (BOP) to receive the quarterly payments.
Step 7: Receive the CM Himmat Card
After verification and approval, you’ll receive your ATM-enabled Himmat Card, allowing you to withdraw cash or check balances easily.
Benefits of the CM Himmat Card Program
The CM Himmat Card is not just a payment card — it’s a tool of empowerment and inclusion for people with disabilities. Here are the core benefits:
1. Quarterly Financial Support
Eligible beneficiaries receive quarterly stipends directly in their linked bank accounts, ensuring steady income for basic needs.
2. ATM and Digital Access
The ATM-enabled Himmat Card allows beneficiaries to withdraw funds and access digital services like balance inquiry or mini-statements anytime.
3. Transparent System
Payments are made digitally and directly, removing intermediaries and ensuring zero corruption or delays.
4. Financial Inclusion
By connecting beneficiaries to the Bank of Punjab’s digital network, the program encourages inclusion in formal banking and financial systems.
5. Social Empowerment
The initiative restores dignity by giving beneficiaries financial control and reducing dependence on family or charities.
Important Documents Required
Before applying, make sure you have these documents ready:
- Original CNIC
- Disability Certificate issued by the Social Welfare Department
- Passport-sized photo
- Proof of residence
- PMT score document (if available)
- Updated details in DPMIS
Missing or incorrect documents may delay your approval, so ensure all records are accurate.
Payment Process and Stipend Distribution
Beneficiaries under the CM Himmat Card Program receive payments every three months (quarterly) through their Bank of Punjab accounts.
- Payment Frequency: Quarterly (four times a year)
- Payment Method: Direct transfer to the Bank of Punjab account
- Withdrawal Options: ATM or bank branch counter
- Card Type: Debit card (Himmat Card) with cash withdrawal and inquiry options
The exact amount of the quarterly stipend may vary depending on government budget allocations and individual eligibility category.
How to Track or Verify Your Application Status
If you’ve already applied for the Himmat Card, here’s how you can track your progress or verify your registration:
- Contact Helpline: Call the official Social Welfare helpline 1312 for application updates.
- Visit Local Office: Go to your District Social Welfare Office and ask for the DPMIS status check.
- SMS Inquiry (if available): Some districts provide SMS-based status updates; check with your local office.
Last Date and Program Duration
The CM Himmat Card Program is an ongoing initiative without a fixed closing date. It operates in phases, expanding to new districts over time.
The first phase began in late 2024, and payments continue into 2025 and 2026.
Eligible applicants are encouraged to apply as early as possible since verification and issuance take time due to field inspections and banking procedures.
Why the Himmat Card Matters
The Himmat Card Program reflects Punjab’s commitment to empower people with disabilities through sustainable, transparent, and digital solutions. It promotes social equity, financial independence, and dignity, ensuring that no one is left behind due to physical challenges.
By combining government verification systems (like DPMIS), financial inclusion through BOP, and quarterly financial aid, the program sets a new standard for disability support in Pakistan.
Final Words
The CM Himmat Card Program 2026 is a vital step toward building an inclusive and compassionate Punjab. It provides not just financial support but also a sense of empowerment and belonging to thousands of citizens living with disabilities.
If you meet the eligibility criteria, visit your nearest Social Welfare Office, update your DPMIS record, and apply today to receive your Himmat Card.
For more details or assistance, call the Punjab Social Welfare Helpline at 1312 or visit your district office for on-ground support.
FAQs (Frequently Asked Questions)
Q1: Who is eligible for the CM Himmat Card?
Only persons with certified disabilities, PMT score 45 or below, and no other government aid are eligible.
Q2: How can I apply for the Himmat Card?
Visit your nearest District Social Welfare Office with your CNIC, Disability Certificate, and PMT details.
Q3: Which bank issues the Himmat Card?
The Bank of Punjab (BOP) issues the ATM-enabled Himmat Card for eligible beneficiaries.
Q4: How often will I receive payments?
Beneficiaries receive quarterly (every three months) financial assistance directly into their bank account.
Q5: Is there an online registration option?
Currently, online registration isn’t available; all applications must be submitted through local welfare offices.
