All BISP Programs 2025 — Kafaalat, Taleemi Wazaif, Nashonuma & More

BISP Programs Overview

BISP (Benazir Income Support Programme) has evolved from a single cash transfer scheme in 2008 into a comprehensive social protection ecosystem covering cash assistance, education, nutrition, and skills development. Below is a complete overview of all active programs, each targeting a different dimension of poverty.

From a Single Scheme to 6 Programmes

BISP began in 2008 as a single unconditional cash transfer scheme aimed at the poorest women in Pakistan, originally targeted through parliamentarian referrals. That targeting method was phased out in favor of the objective, survey-based National Socio-Economic Registry (NSER) to remove political influence over enrollment decisions and rank households purely by poverty indicators.

Over the following years, BISP expanded beyond pure cash transfers into conditional programmes addressing specific dimensions of poverty: education (Taleemi Wazaif, added to incentivize school attendance), nutrition (Nashonuma, targeting the critical 1,000-day window from pregnancy to age two), and skills development (Hunarmand, aimed at breaking the poverty cycle through employable skills for youth). The 2019–2022 Ehsaas rebrand consolidated these under one umbrella name before the 2022 transition returned the core programmes to the Benazir name.

Today, BISP's six active programmes work together as a layered safety net: NSER identifies who is poor, Kafaalat provides baseline income support, Taleemi Wazaif and Nashonuma address specific human-capital gaps within enrolled households, Hunarmand offers a pathway out of poverty through skills, and PM Ramzan Relief provides seasonal top-up support.

1. Benazir Kafaalat

Benazir Kafaalat is BISP's flagship and largest program, providing unconditional cash transfers of Rs. 14,500 per quarter to eligible women. Unlike conditional programs, there are no requirements on how the money is spent — it goes directly to the female head or adult woman of the eligible household via the BISP Digital Wallet or biometric ATM network. Approximately 9.3 million women currently receive Kafaalat payments.

Read the full guide: BISP Kafalat Program Guide

2. Benazir Taleemi Wazaif

Benazir Taleemi Wazaif (BTW) provides education stipends to children of BISP-enrolled households, conditional on maintaining at least 70% school attendance per quarter. Amounts range from Rs. 1,500/quarter (primary boys) to Rs. 4,000/quarter (secondary girls), with consistently higher rates for girls to incentivize female education.

Read the full guide: Taleemi Wazaif Check Online by CNIC

3. Benazir Nashonuma

Benazir Nashonuma targets the critical 1,000-day window from pregnancy to a child's second birthday. Eligible pregnant and lactating women and children under 2 receive cash transfers conditional on attending designated health facilities for antenatal care, growth monitoring, and immunization — aimed at reducing stunting and malnutrition.

Read the full guide: Benazir Nashonuma — Nutrition Support Guide

4. Benazir Hunarmand Programme

Benazir Hunarmand Programme (BHP) provides free technical and vocational education and training (TVET) to youth aged 18–40 with at least a Matric qualification from BISP-enrolled households. Training covers IT, construction, textiles, automotive, and hospitality, with a monthly stipend during training and a recognized certificate upon completion.

Read the full guide: Benazir Hunarmand Programme — Skills Training Guide

5. National Socio-Economic Registry (NSER)

The NSER is not a direct payment program but the foundational household database that powers all BISP programs. It uses the Proxy Means Test (PMT) methodology to objectively identify and rank households by poverty level, determining eligibility for every other program on this list.

Read the full guide: How to Register for BISP — NSER Survey Guide

6. PM Ramzan Relief Package

The PM Ramzan Relief Package is a one-time seasonal cash transfer provided to active Benazir Kafaalat beneficiaries during the holy month of Ramzan, helping cover increased food and household expenses. No separate application is needed — it is disbursed automatically through the same payment channel as Kafaalat.

Which Program Am I Eligible For?

Use this quick reference to identify which programs your household may qualify for:

How These Programs Are Funded

BISP programmes are funded through the federal budget of Pakistan, with Benazir Kafaalat representing the largest single line item among all social protection spending. The programme also receives co-financing and technical support from international development partners, including the World Bank and other multilateral institutions, particularly for system modernization such as the NSER database and biometric payment infrastructure.

Because funding is allocated annually through the federal budget, payment amounts and eligibility thresholds are reviewed periodically and can be revised — typically announced alongside the annual budget or during major policy announcements. Beneficiaries are notified of amount changes via SMS and the 8171 portal rather than needing to track budget announcements themselves.

Can You Lose Enrollment in These Programs?

Yes — enrollment in any BISP programme is not permanent. Eligibility is re-assessed periodically through verification drives and survey updates. A household can be removed from Benazir Kafaalat if a member becomes a government employee, registers as an income tax filer, or if updated survey data shows the household's PMT score has risen above the threshold (for example, due to improved housing conditions or asset acquisition).

Similarly, Taleemi Wazaif payments stop for a specific child if school attendance falls below 70% for a quarter, and Nashonuma payments require continued attendance at designated health facility visits. This conditionality is by design — it ensures the program achieves its underlying goal (school attendance, child health) rather than functioning as unconditional income alone.