Main Objective of 72000 Punjab Khud Mukhtar Loan by BISP

The Punjab Khud Mukhtar Loan Project, initiated by the Benazir Income Support Programme (BISP), stands as a beacon of hope for married couples aged 18 to 29 years residing in selected households across 11 districts in Punjab. This ambitious autonomous program, in collaboration with the Punjab Social Protection Authority, aims to foster health, primary education, and social and economic development among eligible beneficiaries

Beneficiary Characteristics for Khud Mukhtar

Beneficiary Characteristics for Khud Mukhtar

The primary focus of the Punjab Khud Mukhtar Loan Project is on married couples with at least one child under 5 years of age. This targeted approach ensures that economic development assistance reaches those who need it the most.

Districts included for Punjab Khud Mukhtar Loan

The project extends its reach to 11 strategically chosen districts – Bahawalpur, Muzaffargarh, Bhakkar, Dera Ghazi Khan, Mianwali, Rahim Yar Khan, Rajanpur, Khushab, Leh, Bahawalnagar, and Lodhran. The financial aid, amounting to Rs 72,000 per household, is a crucial step in lifting families out of poverty.

Punjab Khud Mukhtar Loan by BISP Components

The Punjab Khud Mukhtar Loan Project integrates various components to comprehensively address the multifaceted needs of the beneficiaries. These components include:

  1. Competency Verification: Rigorous verification of BISP households by local communities ensures the program targets those in genuine need.
  2. Business Running and Management Training: Beneficiaries receive essential training to run their businesses profitably, fostering better planning and management skills.
  3. Guidance for Asset Purchase: A committee, comprised of local representatives, supervises and guides beneficiaries in making informed decisions regarding the purchase of assets for their business.
  4. Technical Support: The autonomous program receives technical support in the operational field from the Institute of Rural Management (IRM) and the National Rural Support Program (NRSP), enhancing its effectiveness.
  5. Financial Assistance for Pregnant Women: The Aghush program provides financial assistance of Rs.17,000 to pregnant women and lactating mothers in 11 districts, contributing to their well-being.
  6. Primary Education Initiatives: The project focuses on early education, providing 3,400 children with primary education in government schools. The modern and holistic approach ensures equal access to education.
  7. Social and Economic Security: The distribution of productive assets, amounting to Rs.72,000 per household, aims to provide social and economic security to 75,000 households.
  8. Social Organizer Contributions: The program recognizes the importance of community involvement and encourages social organizers to contribute at the household level.
  9. Investment Planning: Training sessions empower beneficiaries with the knowledge needed for successful investment planning, including aspects such as slam bar and rain.
  10. Asset Purchase Process: The program streamlines the process of purchasing assets in the market, ensuring transparency and efficiency.


The 72,000 Punjab Khud Mukhtar Loan Project by BISP represents a commendable effort towards holistic development in Punjab. By addressing health, primary education, and social and economic needs, this autonomous program strives to break the cycle of poverty and create a sustainable and prosperous future for the beneficiaries and their communities.

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