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The CM Himmat Card Program 2026 has been introduced to provide structured financial assistance and social protection to deserving citizens across Punjab. Launched under the supervision of the Government of Punjab, this welfare initiative focuses on supporting vulnerable individuals, especially persons with disabilities and low-income families.
The program aims to ensure dignity, transparency, and direct financial access through a secure digital system.
What Is the CM Himmat Card Program?
The CM Himmat Card is a government-backed financial assistance card designed to deliver quarterly payments directly to eligible beneficiaries. The initiative is supported by the Punjab Social Protection Authority (PSPA) and facilitated through the Bank of Punjab (BOP) for transparent fund distribution.
This card works similarly to a debit card, allowing recipients to withdraw funds through ATMs and authorized payment centers.
Key Features of CM Himmat Card 2026
- Quarterly financial assistance for eligible beneficiaries
- ATM withdrawal facility through Bank of Punjab
- Biometric verification system for secure transactions
- Digital registration and verification process
- Transparent eligibility checks through official databases
The system reduces manual paperwork and ensures faster approvals.
Eligibility Criteria
To qualify for the CM Himmat Card Program:
- Applicant must be a resident of Punjab
- Must hold a valid CNIC issued by NADRA
- Registered in the social protection database
- Belong to a low-income household
- Persons with disabilities registered with the relevant authority are prioritized
Verification is conducted through official government records before approval.
How to Apply for CM Himmat Card 2026
Applicants can follow these steps:
Step 1: Registration
Visit the designated registration center or apply through the official government portal (when open).
Step 2: Document Submission
Provide:
- Original CNIC
- Disability certificate (if applicable)
- Household income details
Step 3: Verification & Approval
Authorities verify information through the Punjab social welfare database.
Step 4: Card Issuance
Once approved, beneficiaries receive their CM Himmat Card linked with Bank of Punjab services.
Payment & Withdrawal Process
After approval:
- Funds are transferred quarterly
- Beneficiaries receive SMS confirmation
- Cash can be withdrawn via BOP ATMs
- Biometric authentication ensures secure payment
Why CM Himmat Card Matters in 2026
With rising living costs, structured social assistance programs like the CM Himmat Card provide critical support to vulnerable communities. By digitizing payments and linking beneficiaries directly to the banking system, the Punjab government is improving transparency and reducing delays.
The program reflects a broader effort to modernize welfare delivery while protecting the rights of deserving citizens.