CM Punjab High Tech Mechanization Finance Program Online Apply 2025 | 30 Million Interest-Free Loan For Farmers
The Chief Minister of Punjab has launched a new Punjab High Tech Mechanization Finance Program. This plan aims to make farming modern, smart, and full of new technology. Farmers in Punjab can now get interest-free loans up to 30 million rupees 3 کروڑ قرض.
This program helps farmers, small agriculture service providers, and agriculture business owners. The main goal is to give them modern machines to make work faster and easier. It also helps reduce old manual work and supports better harvests.
CM Punjab Maryam Nawaz wants to make farming more profitable. The government is helping farmers buy modern tools so they can save time and grow more crops. Through this step, farming in Punjab will move towards a bright and advanced future.
This program is not just a loan. It is a chance for every farmer to become part of modern agriculture. It helps rural people earn more and grow their business through technology.
Check: CM Punjab Free Livestock Program
What Is Punjab High Tech Mechanization Scheme
Punjab High Tech Mechanization Scheme is a government project for modern farming. It supports the purchase of local and imported high-tech agricultural machines. These machines help in sowing, harvesting, irrigation, and many other stages of crop production.
The main idea is to make agriculture easy and efficient. It cuts labor costs, reduces human effort, and saves time. It also helps in avoiding post-harvest losses, which means less crop waste and more profit.
Through this scheme, private investors and farm service providers can also take part in improving agriculture. The Bank of Punjab is managing all the finances under this program.
Key Features of High Tech Farm Scheme
This program gives real support to farmers who dream of using smart and modern tools for better farming.
- Interest-free loans up to 30 million rupees
- 12 modern types of agricultural machinery available
- Government of Punjab will pay all interest
- Managed and supported by the Bank of Punjab
- One-time application for every eligible person
- Free training for all machine users
- Field inspection to ensure proper use
Eligibility Criteria For Agriculture High Tech Mechanization
Anyone living in Punjab can apply for this scheme if they meet the simple rules:
- Must be between 21 and 65 years old
- Farmers should have at least 5 acres of land
- Service providers must be registered with the Agriculture Department
- Entrepreneurs must have a valid NTN
- CNIC and mobile number must be registered
- No pending or unpaid loans
- Must have the ability to repay in time
- Need to pay 20% share before loan approval
- Must attend short training on machine use
- Allow field inspection after receiving machinery
- Machine cannot be sold until loan is cleared
This ensures only genuine and active farmers or agriculture businesses can benefit.
Required Documents for Application
Keep these documents ready before applying because we have noticed that these documents are much necessary for this scheme. These documents help in quick loan processing without delays.
- Original CNIC
- Land ownership papers (Fard Malkiat or Inteqal)
- Registration certificate (for service providers)
- NTN certificate (for entrepreneurs)
- Passport-size photo
- Registered mobile number
- Bank statement or income proof
- Signed form or undertaking from bank
- Insurance or collateral proof if needed
How to Apply For High tech Mechanization Loan Scheme
These steps are easy for everyone. You can apply from home using your phone or computer. Follow these simple steps to apply:
- Visit the official Punjab Agriculture Department website high tech punjab govt pk.
- Select your category (Farmer, Service Provider, or Entrepreneur)
- Register using your CNIC and mobile number
- Fill in your form with correct details
- Upload your documents online
- Submit the application for review
- Bank will check your credit and details
- Deposit your 20% share after approval
- Bank will directly pay the machinery supplier
- Start repayment after 6 months in 20 easy installments
What Machines Are Covered Under this Scheme
Under this scheme, farmers can get the latest high-tech machines such as:
- Combine harvesters
- Rice and maize planters
- Nursery seedling machines
- Silage and straw balers
- Boom sprayers and orchard pruners
- Drip and pivot irrigation systems
- Tractors and farming implements
These tools help improve sowing, spraying, irrigation, and harvesting. Farmers can choose the machines that match their land type and crop needs.
Loan Terms (Simple Breakdown)
| Terms | Details |
|---|---|
| Maximum Loan | PKR 30 million |
| Applicant’s Share | Minimum 20% of total machine cost |
| Loan Type | Interest-free loan through Bank of Punjab |
| Repayment Period | 5 years |
| Installments | 20 equal quarterly payments |
| Grace Period | 6 months |
| Processing Fee | Rs. 5,000 |
| Insurance | Required (fire, theft, disaster, accident) |
| Security | Machine remains pledged till full repayment |
| Collateral | Land or property (for service providers) |
Security and Guarantee Details
The machine remains with you, but it stays under the bank’s name until the loan is fully paid. You must give your guarantee and make sure your machine is insured against fire, theft, or any disaster.
Farmers also need to have clean records with Kissan Card and SBP e-CIB systems. This keeps the process safe and transparent for everyone.
Benefits of the Scheme For Farmers and Punjab Agriculture
This plan is a big step towards smart agriculture and better income for rural communities. This scheme gives new life to Punjab’s farming sector.
- Farmers get modern machines without interest
- Reduces manual work and saves time
- Helps finish harvesting quickly
- Avoids crop damage and loss
- Improves crop quality and income
- Opens new jobs for youth in agri services
- Makes Punjab’s farming more tech-friendly and strong
Contact Information and Helpline
For help or questions related to this high tech loan scheme, you can use these contact information.
- Helpline: 0800 17000
- Website: cmhightech.punjab.govt.pk
- Department: Agriculture Department, Government of Punjab
- Email: [email protected]
- Farmers can also visit nearby agriculture offices for guidance.
Conclusion
The CM Punjab High Tech Mechanization Scheme is a golden gift for farmers. It makes modern machinery possible for every grower without extra cost.
It is a big chance for farmers to move from old methods to new smart farming tools. Apply today, and take your farm toward growth, technology, and a better future for Punjab agriculture.