The Benazir Income Support Programme (BISP 8171) now credits the Rs. 13,500 quarterly Kafalat directly into eligible beneficiaries’ bank accounts. This change reduces queueing, cuts out middlemen, and increases transparency — read this simple guide to learn who qualifies, how to link your account, and how to collect funds safely.
What changed and why it matters
The new system moves BISP payments from cash camps and agents into secure bank transfers, ensuring beneficiaries get full amounts without deductions. Direct deposits create a clear transaction record, increase convenience with ATM withdrawals, and support women’s financial inclusion by giving families immediate and traceable access to their Kafalat funds.
Who can receive Rs. 13,500 by bank transfer
Eligible recipients include registered BISP Kafalat beneficiaries with valid CNICs who completed biometric verification and linked a bank account before the announced cutoff. Priority remains for female household heads, widows and persons with disabilities; those not yet linked will continue to receive payments through legacy channels until full rollout completes.
How to link your bank account — step-by-step
Visit any participating bank branch with your original CNIC.
2) Open or link a basic, no-fee account and provide your registered mobile number.
3) Submit your bank account details at the nearest BISP Tehsil Office or via the official web portal.
4) Wait for confirmation SMS before expecting transfers.
Documents & requirements you must carry
Bring your original CNIC, a photocopy, proof of BISP registration (SMS or receipt), and the active SIM registered with your CNIC. If you are a widow or have special documents (death certificate, disability proof), carry them for priority processing at facilitation desks to avoid delays while linking your account.
How payments reach you and how to withdraw
Once linked and verified, the quarterly Rs. 13,500 will be transferred to your bank account. You can withdraw from ATMs, bank counters or authorised agents. If you prefer, use a PayPak/BISP card or wallet linked to the account — always check the portal or SMS for your assigned collection channel before going out.
What to do if you see “No Record” or delays
If your CNIC returns “No Record” on the 8171 portal or SMS, first confirm your NADRA details and registration status. Visit the nearest Tehsil Office with originals, a screenshot of the portal message, and your SIM so staff can update NSER records and schedule you for the next payment phase.
Benefits and challenges of bank transfers
Direct bank transfers reduce agent fees and provide a secure paper trail, helping beneficiaries build formal financial histories. Challenges include limited branch access in remote areas and low digital literacy. The government plans mobile banking vans and awareness drives to expand coverage and teach beneficiaries how to use accounts safely.
Quick comparison table — bank transfer vs old methods
| Feature | Bank Transfer (New) | Old Methods (Agents/ Camps) |
| Transparency | High — visible in bank statement | Low — risk of deductions |
| Convenience | Withdraw anytime from ATM | Queues, fixed camp days |
| Charges | No hidden fees | Possible agent cuts |
| Documentation | CNIC + account linking | CNIC + biometric at camps |
Security tips & final advice
Never pay anyone to register or link your account — BISP services are free. Use only official 8171 SMS or the BISP web portal for status checks, protect OTPs and CNIC photos, and save confirmation SMS as proof. Link your bank account now to receive the Rs. 13,500 instalment safely and on time.
