The Bank of Punjab (BOP) is the official payment partner for the massive Rs. 10,000 Ramadan Nigehban cash scheme in 2026, tasked with issuing and managing special ATM cards for millions of families. If your household is registered in the Punjab Socio-Economic Registry (PSER), you are set to receive a Nigehban Card directly from BOP to withdraw your one-time financial aid securely. This strategic partnership ensures a transparent and efficient distribution of the Rs. 47 billion relief package. Here’s exactly what role BOP plays and how eligible beneficiaries will get their funds.
Key Responsibilities
| Responsibility | Details for 2026 |
|---|---|
| Card Issuance | Creating & distributing Nigehban ATM Cards. |
| Fund Disbursement | Loading Rs. 10,000 onto each card. |
| Access Network | Enabling withdrawals at 22,000+ agents & ATMs. |
| Security | Ensuring biometric verification for transactions. |
| Support | Providing beneficiary guidance and helpline support. |
What is the Nigehban Card Issued by Bank of Punjab?
The Nigehban 10000 Cash Scheme is a specialized ATM/debit card created by the Bank of Punjab for this scheme. It is not a regular bank account but a secure channel for this specific aid.
- Pre-Loaded Amount: Each card is loaded with Rs. 10,000.
- Future Use: The government plans to use this same card for future welfare payments, making it a long-term financial inclusion tool.
- Security: All transactions require biometric (thumbprint) verification to prevent fraud.
How Will Eligible Families Receive the Card?
The Nigehban 10000 Cash Scheme distribution is designed to be convenient and door-to-door:
- Card Production: BOP produces the cards based on the verified PSER beneficiary list provided by the government.
- Distribution System: Starting February 2026, district administrations, with help from enumerators, will deliver these cards directly to the homes of beneficiaries.
- No Need to Travel: Eligible families, especially women, the elderly, and persons with disabilities, do not need to visit a bank or camp to collect the card.
How to Withdraw the Rs. 10000 Using the BOP Card?
Once you have the physical card, follow these steps to access your cash:
- Step 1: Visit any Bank of Punjab branch, ATM, or their authorized branchless banking agent (over 22,000 points).
- Step 2: Insert your card at an ATM or hand it to a verified BOP agent.
- Step 3: Complete the mandatory biometric verification using your thumbprint.
- Step 4: Enter your PIN (provided with the card) and select cash withdrawal.
- Step 5: Collect your Rs. 10,000 and the transaction receipt.
What Makes the Bank of Punjab Ideal for This Scheme?
| Advantage | Benefit for Beneficiaries |
|---|---|
| Government-Owned Bank | Ensures trust and accountability. |
| Vast Rural Network | Accessible even in remote areas via agents. |
| 1-Link ATM Compatibility | Cards work at any ATM across Pakistan displaying the 1-Link logo. |
| Experience with Welfare Schemes | Proven track record in managing large-scale disbursements. |
Important Tips for Beneficiaries
- Beware of Scams: The card and delivery are free. Do not pay anyone for it. Bank staff will never ask for your PIN.
- Secure Your PIN: Keep the PIN confidential. Change it at an ATM if possible.
- Use Official Channels: For issues, only contact the Bank of Punjab helpline or your local district administration.
- Withdraw Promptly: It is advisable to withdraw your funds soon after receiving the card for security.
Frequently Asked Questions (FAQs)
Q1: Do I need to have an existing account with Bank of Punjab to get the card?
No. The Nigehban Card is issued automatically to all eligible beneficiaries registered in the PSER, regardless of whether they have a prior bank account.
Q2: Can I use the Nigehban 10000 Cash Scheme for shopping or just cash withdrawal?
The primary purpose is cash withdrawal. However, the card may also be used for purchases at POS machines of merchants that accept Bank of Punjab debit cards.
Q3: What if I don’t receive my card by the delivery date?
Contact your local Deputy Commissioner (DC) office or the Punjab Social Protection Authority helpline. Do not rely on unauthorized agents.
Q4: Where can I get more information?
For official updates, refer to the Punjab Government’s PSER portal (pser.punjab.gov.pk) and Bank of Punjab’s official website.
Conclusion
The Bank of Punjab is the backbone of the Nigehban 10000 Cash Scheme financial delivery, ensuring that Rs. 10,000 reaches each of the 3 million families securely and transparently. By leveraging its extensive network and secure biometric system, BOP guarantees that aid is accessible even in far-flung areas. Eligible beneficiaries should await door-to-door card delivery starting February 2026 and use the provided PIN and biometrics to access their crucial Ramadan support.
This article is for informational purposes only. SmartFixers.pk is not an official government website and is not affiliated with any government department. Readers are advised to verify all information from official government sources before taking any action.
Our editorial team publishes original and informational content for educational purposes only.
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