Pakistan’s Benazir Income Support Programme (BISP 8171) is again releasing stipends for the July–September 2025 cycle. This easy guide explains how to confirm eligibility, choose the right withdrawal channel, pass biometric verification, and protect your money from deductions or scams. Follow the steps below to receive your payment smoothly and safely.
What’s new this cycle (at a glance)
BISP has been shifting many areas from crowded “camp sites” to a retail-based payment model using partner banks and agents for safer, faster disbursement. Always check your district’s channel before you travel, because arrangements can vary by location and phase.
Why these payments matter
For low-income families, Benazir Kafaalat cash support covers daily groceries, school supplies, medicines, utility bills, and transport. Treat your stipend like essential household income: confirm it first, withdraw from official channels, and keep records. A little planning avoids repeat visits, long queues, or avoidable delays during busy release weeks.
First step: confirm your eligibility/status
Use two official methods before leaving home. Send your 13-digit CNIC to 8171 for a quick SMS reply, then double-check on the 8171 portal to see if your September tranche is generated. This saves wasted travel if a district is still in queue or under verification.
Where to collect: your official options
BISP disburses through partner banks and microfinance partners with biometric-enabled service points (including but not limited to HBL, Bank Alfalah, Bank of Punjab, Mobilink Microfinance/JazzCash, Telenor Microfinance/Easypaisa). Availability depends on district roll-out; confirm locally or via the portal/SMS before visiting.
Quick comparison: choose the best channel
| Channel | What you need | How you get paid | Pros | Common issues | Where to get help |
| Partner Bank ATM (e.g., HBL/Alfalah/BoP) | Original CNIC, BISP card (if issued), biometric | Verify on ATM, select withdrawal, take cash + slip | Fast, 24/7 at many sites | Biometric mismatch, cash-out limits, empty ATM | Bank branch desk; BISP helpline 0800-26477 |
| Bank Counter/Agent (retail model) | CNIC + biometric | Teller/agent verifies and pays | Human help, suited for first-timers | Peak-day rush, stockouts | Bank service desk; helpline |
| Designated Campsite/Center (limited/area-specific) | CNIC + biometric | Staff verifies and pays on-site | Managed lines, official staff | Heat/crowds if active, fixed hours | BISP field team; helpline |
Step-by-step: withdrawing from a biometric ATM
Pick the right machine: Use a biometric-enabled ATM of a BISP partner (HBL is the most common in many cities).
Verify identity: Insert your BISP card and enter your PIN, or choose CNIC option and place your thumb for biometric scan.
Check balance: Use Balance Inquiry first to confirm credit.
Withdraw cash: Select Cash Withdrawal, enter the amount shown on your SMS/portal, collect cash and the printed receipt.
Secure your money: Put cash and CNIC away discreetly before leaving the ATM lobby.
Troubleshooting: common issues and quick fixes
Biometric mismatch: Wash/dry your thumb and try again; switch hands if allowed. If it still fails, try another partner ATM or use the bank counter/agent channel in your area.
ATM out of cash: Visit earlier in the day or a different branch.
Transaction failed but amount debited: Keep the receipt; most reversals post automatically in a few working days. If not, log a complaint at the branch and via the BISP helpline.
Card/PIN problems: Re-set at the issuing bank with CNIC.
Zero-deduction rule: know your rights
Your stipend is paid in full. There are no service charges by banks, agents, or anyone else. If someone demands even a small “fee” or withholds cash, refuse, keep your receipt, and report immediately to the BISP toll-free helpline 0800-26477 or your nearest BISP office.
Safety checklist before you leave home
Carry your original CNIC (laminated/undamaged) and keep your registered mobile charged for OTP or confirmation calls. Prefer daytime withdrawals, and take a trusted family member if possible. Never share your PIN, CNIC photos, or SMS codes. Avoid “helpers” at ATMs; ask bank staff only.
Beware of fake portals and scammers
Use 8171 SMS and the official BISP website/portals only. Ignore sites that ask for fees, app downloads, or card details. Registration and complaint lodging are free. If a URL or message looks suspicious, verify through BISP channels before entering any information.
Step-by-step: confirming status on the 8171 portal
Open the 8171 portal.
Enter your 13-digit CNIC and the captcha shown.
Submit to view your current eligibility and payment status for September.
Note the channel (ATM/retail/counter) where your area is being served and plan your visit accordingly.
Extra tips for a smooth experience
Arrive with water and patience during peak days, especially early in the cycle. Keep receipts for every transaction, even balance checks. If your area is on the retail model, consider visiting a branch counter for assisted service on your first withdrawal, then move to ATMs once comfortable.
FAQs (quick answers)
How long do I have to collect?
Windows vary by district and phase. Check your SMS/portal and withdraw within the advised period to avoid re-crediting. When in doubt, call the helpline.
Can a family member collect for me?
No. Biometric verification requires the registered beneficiary to be present.
What if I never receive the SMS?
Still check via the 8171 portal and, if needed, your nearest BISP office or helpline for confirmation.
