The Benazir Kafalat Program 2025 has officially entered its second phase, bringing essential financial relief to thousands of deserving families across Pakistan. To ensure smooth, transparent, and secure distribution, the Benazir Income Support Programme (BISP) has launched a cluster-based district-wise payment system. This approach assigns specific banks and mobile wallet services to different regions, making the withdrawal process more organized and efficient for beneficiaries.
This new structure not only reduces overcrowding at payment centers but also improves access for women in rural and urban areas alike. If you’re a registered beneficiary or waiting for your payment, it’s essential to understand which cluster your district belongs to and how you can receive your funds.
Cluster Distribution System for BISP 2025
BISP has divided the country into four main clusters. Each cluster is associated with a specific payment partner such as HBL, Bank of Punjab, JazzCash, or Easypaisa. This cluster-wise distribution ensures that payments are processed systematically and beneficiaries face fewer delays or complications.
Here’s how the cluster distribution works:
| Cluster | Payment Partner | Example Districts |
|---|---|---|
| Cluster 1 | Habib Bank Limited (HBL) | Rawalpindi, Jhelum, Attock |
| Cluster 2 | Bank of Punjab (BoP) | Multan, Khanewal, Muzaffargarh |
| Cluster 3 | JazzCash (Mobile Wallet) | Karachi Central, Sanghar, Karachi East |
| Cluster 4 | Easypaisa (Telenor) | Larkana, Ghotki, Shikarpur |
Each payment partner is responsible for disbursing payments in the assigned districts through biometric verification and BISP payment centers or partner branches.
You can also read: Kisan Card Phase 2 by CNIC Online Check System & Check Common FAQs
How to Know Your Cluster and Eligibility
If you’re unsure about your eligibility or payment details, BISP has made it easy for you to check using multiple channels:
- Send CNIC to 8171: Type your 13-digit CNIC number and send it to 8171. You’ll receive a reply with your payment and eligibility status.
- Visit the BISP Website: Go to www.bisp.gov.pk and enter your CNIC to check your payment status.
- Call BISP Helpline: Dial 0800-26477 for official assistance.
- BISP Tehsil Office Visit: For those applying for the first time or needing to update records, visiting the nearest BISP Tehsil Office is required.
These options allow beneficiaries to easily verify their cluster, check their payment status, and get the necessary help without relying on agents or middlemen.
Eligibility Criteria for Benazir Kafalat Program 2025
To receive the Rs. 13,500 quarterly payment under the current phase, you must meet the following conditions:
- Be a registered female beneficiary under the BISP Kafalat Program.
- Have a valid CNIC (Computerized National Identity Card).
- Receive a confirmation SMS from 8171.
- Belong to one of the districts included in the active payment phase.
- Must not be employed in a government organization.
If your payment has not been received yet but you meet the above criteria, your payment may be scheduled for the next few days based on district-wise distribution.
Districts Covered in 2nd Phase of 2025 Payments
The second phase of the BISP Kafalat disbursement includes over 55 districts across all provinces and territories. These payments are currently active and ongoing in key regions.
Here are some of the major districts where the program is live:
- Sindh: Karachi East, Sanghar, Mirpur Khas, Tharparkar
- Punjab: Faisalabad, Muzaffargarh, Rajanpur, Vehari
- KPK: Peshawar, Swabi, Kohat, Nowshera
- Balochistan: Gwadar, Khuzdar, Awaran
- AJK/GB: Diamer, Bagh, Khurmang, Ganche
These districts are now actively processing payments through designated payment centers and cluster-assigned banks or wallets.
Payment Withdrawal Process Step by Step
Once you receive a confirmation SMS from 8171, follow this process to collect your payment securely:
- Bring Your CNIC: Only the original CNIC of the registered beneficiary will be accepted.
- Visit the Assigned Payment Center or Partner Branch: Go to your cluster’s designated location.
- Biometric Verification: You will need to verify your identity through NADRA’s biometric system.
- Collect Payment Slip: After successful verification, you’ll receive a payment receipt.
- Withdraw Your Cash: Collect Rs. 13,500 in cash and keep your receipt safe for records.
Tips for Smooth Payment Collection
- Do not pay any agent — all services are free of charge.
- Visit centers early in the day to avoid long queues.
- Use only authorized BISP or bank locations for transactions.
- Keep your mobile phone and CNIC updated for SMS alerts.
Second Phase Withdrawal Schedule – October 2025
The BISP 2nd Phase withdrawal schedule is staggered to avoid rush and ensure safe disbursement. Here’s a glimpse of the expected dates:
- Sindh: 15–22 October 2025 (Karachi, Sanghar, Tharparkar)
- Punjab: 18–25 October 2025 (Faisalabad, Muzaffargarh, Vehari)
- KPK: 20–27 October 2025 (Peshawar, Kohat, Swabi)
- Balochistan: 22–29 October 2025 (Gwadar, Khuzdar, Awaran)
- AJK/GB: 24–30 October 2025 (Diamer, Bagh, Khurmang)
Make sure to follow the SMS schedule sent to your phone and visit the center accordingly.\
You can also read: BISP 8171 CNIC Reverification Q4 Payment Details
What to Do If You Face a Problem
Some common issues and their solutions include:
- No SMS Received: Wait for the next schedule or check your status online.
- Biometric Failure: Visit your nearest BISP Tehsil Office for manual verification.
- Payment Deduction: Call 0800-26477 to report and resolve the issue.
- Expired CNIC: Renew it via NADRA before attempting withdrawal.
- Mobile Number Not Registered: Update your number at the BISP office to get future alerts.
Important Safety Guidelines for Women
The government encourages women to remain vigilant during payment collection. Here are some precautions:
- Collect money only from official centers.
- Never share your CNIC number or 8171 SMS with anyone.
- Report fraud or deductions to the BISP helpline immediately.
- Avoid going alone; bring a trusted family member if possible.
Conclusion
The BISP Kafalat Program 2025’s cluster-based district-wise distribution system is a significant step toward improving accessibility, transparency, and safety for beneficiaries. With over 55 districts now receiving payments in the second phase, thousands of women are gaining essential financial support to manage their homes, support their children’s education, and ensure better health.
You can also read: BISP 8171 Eligibility Criteria October 2025
By using your CNIC and staying informed through official channels, you can safely access your Rs. 13,500 payment without hassle. Be sure to follow the schedule, confirm your district and cluster, and collect your payment securely. The BISP Kafalat Program remains one of Pakistan’s most impactful welfare initiatives for empowering women and reducing poverty.