Benazir Income Support Programme payments are changing how they reach women. Under the new arrangement, the quarterly Kafaalat instalment goes into a digital wallet linked to a free Benazir SIM, and beneficiaries withdraw it from authorised retailers of partner banks — in any city — instead of depending only on a designated payment centre. This guide explains the BISP digital payment system, how to get the SIM, and how to withdraw safely.
The current Kafaalat instalment is Rs 14,500 per quarter. BISP launched a nationwide awareness and training campaign for the new system on 9 October 2026, and by September 2026 it reported that 9.7 million free SIMs had been issued and wallets opened for most women beneficiaries. Any future increase in the instalment remains proposed only and is not confirmed, so this guide uses Rs 14,500 throughout.
Digital Payment at a Glance
Detail
Programme:
Benazir Kafaalat (BISP)
Instalment:
Rs 14,500 per quarter
Payment route:
Digital wallet linked to free Benazir SIM
Withdraw from:
Authorised retailer of a partner bank, any city
Withdrawal charge:
Rs 280 fixed service charge
How the New System Works
Wallet, not cash counter: The instalment is credited to a digital wallet account opened with the free Benazir SIM.
Payment SMS first: When the money arrives, you receive a payment confirmation SMS from 8171 or your partner bank.
Withdraw anywhere: After the SMS, you can withdraw from any authorised retailer of BISP’s partner banks, in any city — not only your home district.
Biometric check: Withdrawal needs biometric verification at the retailer, which is meant to stop illegal deductions by agents.
Any day of the week: BISP says withdrawals can be made on any day, including Saturdays and Sundays, so there is no need to crowd the centre on day one.
Phased release: Instalments are released district by district, so a neighbour being paid first does not mean your payment is missing.
Training campaign: BISP launched a nationwide awareness and training campaign on 9 October 2026 to teach women beneficiaries how the wallet, retailer withdrawal and mobile security work.
The BISP digital payment system is designed to put the Rs 14,500 quarterly instalment directly in the beneficiary’s hands: a free Benazir SIM from a BISP office opens the wallet, a payment SMS confirms the money, and any authorised retailer of a partner bank pays it out after biometric verification, for a fixed Rs 280 charge. Collect the SIM only from an official office, wait for the SMS before travelling, and report any deduction above Rs 280 on the helpline. That is the whole system — and anyone offering a shortcut around it is not part of it.
FAQs
What is the BISP digital payment system? It is the arrangement under which Kafaalat instalments are paid into a digital wallet linked to a free Benazir SIM, and withdrawn from authorised retailers of partner banks after a payment confirmation SMS.
How much is the current BISP instalment? Rs 14,500 per quarter. Any future increase remains proposed only and is not confirmed.
Where do I get the free Benazir SIM? Only from a BISP office or designated camp site, with your original CNIC and your own phone. A SIM bought from a shop will not receive the payment.
Can I withdraw my BISP payment in another city? Yes. After the payment SMS, you can withdraw from any authorised retailer of a partner bank in any city.
What is the withdrawal charge? The fixed service charge for a cash withdrawal is Rs 280. Any deduction beyond this is unauthorised and should be reported on 0800-26477.
Shahzad Sahil is the editor of lahorejobs24.com, covering government jobs, private jobs, bank jobs, results and education news for Lahore and Punjab, with information verified from official sources.
