The CM Punjab Maryam Nawaz Livestock Card Scheme – Second Phase is a transformative initiative aimed at empowering livestock farmers across Punjab. Launched under the leadership of Chief Minister Maryam Nawaz Sharif, this scheme provides interest-free loans and essential resources to enhance livestock productivity and bolster the rural economy.
Overview of the Livestock Card Scheme
The Livestock Card Scheme is designed to support small and medium-scale livestock farmers by offering financial assistance and resources necessary for modern animal husbandry. The second phase of the scheme builds upon the successes of the initial phase, expanding its reach and benefits to a larger segment of the farming community.
Key Features of the Second Phase
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Interest-Free Loans: Farmers owning 5 to 20 animals are eligible for interest-free loans ranging from Rs. 135,000 to Rs. 540,000.
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Loan Utilization: Up to 30% of the loan amount can be withdrawn in cash, while the remaining funds are designated for purchasing livestock supplies such as Vanda, silage, and mineral mixtures from authorized dealers.
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Repayment Schedule: The repayment period begins after a six-month utilization phase, with installments starting from the seventh month.
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Digital Monitoring: The scheme incorporates digital tools for monitoring loan utilization and livestock health, ensuring transparency and efficiency.
Eligibility Criteria
To qualify for the Livestock Card Scheme, applicants must meet the following criteria:
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Residency: Must be a resident of Punjab.
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Livestock Ownership: Should own between 5 to 20 animals.
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Identification: Possess a valid Computerized National Identity Card (CNIC).
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Mobile Registration: Have a SIM card registered in their name.
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Credit History: Maintain a clean credit history, verified through the Electronic Credit Information Bureau.
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Registration: Be registered with the Livestock Department’s system.
Application Process
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Online Registration: Applicants can register through the official portal of the Punjab Livestock and Dairy Development Board.
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Document Submission: Submit necessary documents, including CNIC, proof of livestock ownership, and contact information.
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Verification: The Urban Unit under the Livestock Department will verify applicants and their livestock.
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Loan Disbursement: Upon successful verification, the Bank of Punjab will issue the Livestock Card, enabling access to the loan and associated benefits.
Benefits of the Scheme
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Economic Empowerment: Provides financial support to farmers, enhancing their purchasing power and enabling investment in better livestock care.
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Increased Productivity: Access to quality feed and veterinary services leads to healthier animals and higher yields.
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Market Expansion: By improving livestock quality, farmers can tap into larger markets, including meat exports.
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Women Empowerment: The scheme includes provisions for rural women, offering them opportunities for economic independence through livestock farming.
Comparative Table: Phase I vs. Phase II
| Feature | Phase I | Phase II |
|---|---|---|
| Loan Amount | Rs. 135,000 to Rs. 540,000 | Rs. 135,000 to Rs. 540,000 |
| Cash Withdrawal Limit | Not specified | Up to 30% of loan amount |
| Repayment Start | After 6 months | After 6 months |
| Eligibility | Farmers with 5-20 animals | Farmers with 5-20 animals |
| Women Inclusion | Limited | Expanded focus on rural women |
| Digital Monitoring | Basic | Enhanced with digital tools |
Conclusion
The CM Punjab Maryam Nawaz Livestock Card Scheme’s second phase represents a significant step towards modernizing the livestock sector in Punjab. By providing financial assistance, resources, and support to farmers, the scheme aims to boost productivity, empower rural communities, and contribute to the province’s economic growth. With its inclusive approach and focus on sustainability, the Livestock Card Scheme is poised to transform the agricultural landscape of Punjab.