BISP Kafaalat November 2026 brings a higher quarterly payment for families across Punjab, with the current instalment now set at Rs 14,500. The July–September 2026 quarter payment phase began on 5 November 2026 through official campsites, and a new six-bank collection system now lets beneficiaries collect their money from the authorised retailer of any partner bank. Beneficiaries should check their payment status before visiting a campsite or retailer.
The instalment rose from Rs 13,500 to Rs 14,500 in February 2026, according to the Press Information Department. Around 12 million households receive support, and the programme budget for 2026–27 is Rs 838 billion.
| BISP Kafaalat — Key Facts | Details |
|---|---|
| Current instalment | Rs 14,500 per quarter |
| Previous instalment | Rs 13,500 (raised in February 2026) |
| Payment phase began | 5 November 2026, via official campsites |
| Partner banks | 6 banks (see below) |
| Eligibility (PMT score) | 32 or below |
| Beneficiary households | Around 12 million |
| BISP budget 2026–27 | Rs 838 billion |
Rs 14,500 Instalment — What Changed
The quarterly Kafaalat instalment is now Rs 14,500, raised from Rs 13,500 in February 2026. The increase was confirmed by the Press Information Department in June 2026. Beneficiaries collecting the July–September 2026 quarter payment should therefore expect Rs 14,500, not the older amount. Some older web pages still show Rs 13,500, but the current figure is Rs 14,500.
- Current amount: Rs 14,500 per quarter for eligible families.
- Old amount: Rs 13,500, replaced in February 2026.
- Check first: confirm your payment on the 8171 portal before travelling.
New Six-Bank Payment Collection System
A new payment system was announced on 20 October 2026 at an E-Kachehri by BISP Chairperson Rubina Khalid. Under the system, beneficiaries can collect their payment from the authorised retailer of any of the six partner banks. A digital wallet option has also been introduced. The change is meant to reduce long queues and give families a collection point closer to home.
- HBL: authorised retailer.
- Bank Alfalah: authorised retailer.
- Bank of Punjab: authorised retailer.
- Habib Microfinance Bank: authorised retailer.
- Telenor Microfinance Bank (Easypaisa): authorised retailer.
- Mobilink Microfinance Bank (JazzCash): authorised retailer.
November 2026 Payment Phase — Campsites Open
The payment phase for the July–September 2026 quarter began on 5 November 2026 through official campsites across the country, including Punjab. Beneficiaries receive an SMS from 8171 when their payment is credited. Only visit a campsite or retailer after receiving the SMS or confirming your status online. Campsites can be crowded in the first days, so visiting later in the phase often means shorter queues.
- Phase started: 5 November 2026, for the July–September 2026 quarter.
- SMS alert: 8171 sends a message when the payment is credited.
- Visit after confirmation: check your status first to avoid a wasted trip.
Who Qualifies for BISP Kafaalat
Eligibility for the Kafaalat programme is based on the Proxy Means Test, known as the PMT score. Families with a PMT score of 32 or below qualify for support. Registration is done through the National Socio-Economic Registry survey at a BISP office or registration centre. Women heads of household are the registered beneficiaries in most cases, and payments are released in their name.
- PMT score: 32 or below is required to qualify.
- Registration: through the National Socio-Economic Registry survey.
- Biometric check: thumb verification is mandatory at collection.
How to Check Your Payment Status
There are two official ways to check your BISP payment status. Visit the portal at 8171.bisp.gov.pk and enter your 13-digit CNIC number, or send an SMS with your 13-digit CNIC number to 8171. Both methods are free. Never pay anyone to check your status, and never share your CNIC or thumbprint with an agent who is not at an official counter.
- Online portal: 8171.bisp.gov.pk, enter your 13-digit CNIC.
- By SMS: send your 13-digit CNIC number to 8171.
- Free of charge: status checks cost nothing; report anyone demanding a fee.
Rs 18,000 Rise — Only a Proposal for Now
Reports have suggested the quarterly instalment could rise to Rs 18,000 from January 2027. This is only a proposal at present and has not been notified, so beneficiaries should not plan on receiving Rs 18,000 in January. The next instalment after the current phase was described as “coming soon” in early November 2026, with no fixed date announced yet.
- Proposal only: the Rs 18,000 figure has not been notified.
- Current amount: Rs 14,500 remains the confirmed instalment.
- Next instalment: announced as “coming soon”, with no fixed date yet.
Contact and Helpline Details
| Service | Details |
|---|---|
| Status check portal | 8171.bisp.gov.pk |
| Status check by SMS | Send 13-digit CNIC to 8171 |
| BISP Chairperson | Rubina Khalid |
| Collection points | Official campsites and authorised retailers of the 6 partner banks |
Conclusion
The BISP Kafaalat November 2026 payment is Rs 14,500, and the new six-bank collection system gives beneficiaries more choice about where to collect it. Check your status on the 8171 portal or by SMS before visiting a campsite or retailer, take your original CNIC, and complete the biometric thumb verification at the counter. Do not pay any agent, and do not count on the proposed Rs 18,000 figure until it is officially notified.
FAQs
How much is the BISP Kafaalat payment in November 2026?
Rs 14,500 per quarter. The amount was raised from Rs 13,500 in February 2026.
Which banks can I collect my BISP payment from?
Authorised retailers of HBL, Bank Alfalah, Bank of Punjab, Habib Microfinance Bank, Telenor Microfinance Bank (Easypaisa) and Mobilink Microfinance Bank (JazzCash).
How do I check my BISP payment status?
Visit 8171.bisp.gov.pk or send your 13-digit CNIC by SMS to 8171.
Is the BISP payment rising to Rs 18,000?
Not yet. A rise to Rs 18,000 from January 2027 is only a proposal and has not been notified.
Do I need biometric verification to collect?
Yes. Thumb verification is mandatory when collecting your payment.
Check your payment status on the BISP 8171 portal. More programme information is available on bisp.gov.pk.
The editor of epdpunjab.pk, covering the Environment Protection & Climate Change Department, Punjab and the CM Punjab Climate Leadership Development Internship Program 2026, with information verified from official sources.
