CM Himmat Card Program Punjab 2026 - Rs. 10,500 quarterly financial support for persons with disabilities

CM Himmat Card Program Punjab 2026: Rs. 10,500 Quarterly Aid & Eligibility

For many persons with disabilities across Punjab, consistent financial independence has long been difficult to secure. The CM Himmat Card Program, introduced by the Government of Punjab under Chief Minister Maryam Nawaz Sharif, was created to change that — providing a dedicated ATM/debit card, issued through the Bank of Punjab, that delivers quarterly cash assistance directly to certified persons with disabilities (PWDs).

Here's a clear, practical guide to what the program offers, who qualifies, and how to apply.

What Is the CM Himmat Card Program?

The Himmat Card ("Himmat" meaning courage or strength in Urdu) is a dedicated financial assistance card for persons with disabilities, managed through the Disabled Persons Management Information System (DPMIS) under the Punjab Social Welfare Department (SWD). Rather than routing support through informal or inconsistent channels, the program uses a digital registration and verification system so that quarterly payments reach eligible individuals directly and predictably, without requiring them to depend on others for daily expenses.

Beyond the cash stipend, the program has also been described as including additional support such as travel concessions, assistive devices, and access to healthcare services, positioning it as a broader social inclusion initiative rather than a purely financial one.

CM Himmat Card Program: Key Details

Quarterly Stipend	Rs. 10,500, paid every three months
Target Beneficiaries	85,000 eligible persons with disabilities
Issuing Bank	Bank of Punjab (BOP)
Managing System	Disabled Persons Management Information System (DPMIS)
Overseeing Department	Punjab Social Welfare Department (SWD)
Minimum Age	18 years and above (parents/guardians can apply on behalf of minors)
PMT Score Requirement	Generally 45 or below, per poverty-targeting criteria
Application Fee	None

Eligibility Criteria

To qualify for the Himmat Card, applicants generally need to meet the following conditions:

Be certified as a person with a disability by an authorized medical board or the Social Welfare Department.
Hold a valid CNIC (or B-Form, for minors applying through a guardian).
Meet the government's poverty score (PMT) threshold, generally at or below 45.
Not be currently employed in a government job or earning a high, stable income.
Not already be receiving similar benefits from another provincial welfare program, such as BISP, Zakat, or PSPA.
Not be medically certified as fit to work, since the program specifically targets individuals unable to earn due to physical or mental disability.

Documents Required

Original CNIC, or B-Form for minors applying through a parent or guardian
Disability certificate issued by an authorized medical board
Proof of residence (electricity bill or domicile certificate)
Recent passport-size photographs
A mobile number registered on the applicant's own CNIC

How to Apply for the Himmat Card

Visit the official DPMIS Himmat Card portal, or your nearest District Social Welfare Office for offline assistance.
Complete the registration form with your CNIC, name, date of birth, and address.
Upload the required supporting documents, including your disability certificate and proof of residence.
Submit your application — you should receive an SMS confirmation of submission.
Your records are verified through NADRA and cross-checked against other welfare program databases to confirm eligibility.
Once approved, you'll receive an SMS alert, and your Himmat Card will be issued through the Bank of Punjab, loaded with your first quarterly payment.

Applicants can check their registration and payment status by entering their CNIC on the official DPMIS verification page.

What to Do If Your Card Isn't Working

If your Himmat Card ATM isn't functioning or you're having trouble withdrawing funds, visit your nearest Bank of Punjab branch or contact their official helpline for assistance rather than relying on informal intermediaries.

Why This Program Matters

Financial independence: A dedicated stipend reduces reliance on family or community support for daily needs.
Dignity through direct access: Digital verification and direct bank disbursement reduce the friction and uncertainty of older manual welfare distribution.
Consistency: A structured quarterly payment schedule offers more predictability than one-off relief efforts.
Broader inclusion: Complementary benefits like travel concessions and healthcare access support participation beyond just financial assistance.

Frequently Asked Questions

How much does the Himmat Card provide?
Eligible beneficiaries receive Rs. 10,500 every three months (quarterly) through the card.

Who is eligible for the Himmat Card?
Certified persons with disabilities in Punjab who meet the PMT score requirement (generally 45 or below) and are not already receiving aid from other welfare programs like BISP, Zakat, or PSPA.

Can someone apply on behalf of a minor with a disability?
Yes, parents or guardians can complete the application on behalf of minors using their B-Form.

Is there an application fee?
No, registration and card issuance for the Himmat Card Program are completely free of charge.

What if I'm already receiving help from another government program?
Applicants already receiving similar benefits from other provincial programs are generally not eligible for the Himmat Card, to avoid duplicate assistance.

Disclaimer: This post is an independent informational guide and not an official government publication. Always verify current eligibility criteria, required documents, and application steps through the official DPMIS portal or your local District Social Welfare Office.

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