The Government of Punjab has launched the High-Tech Farm Mechanisation Financing Programme, described by Chief Minister Maryam Nawaz Sharif as the beginning of an "agricultural revolution" in the province. Officially launched through a digital portal in October 2025, the programme gives farmers, service providers, and agri-companies access to large, completely interest-free loans to purchase modern, technology-driven farm machinery.
In this guide, we explain what the High-Tech Farm Mechanisation Programme in Punjab offers, who can apply, the loan amount and repayment terms, and how to register through the official portal.
What Is the High-Tech Farm Mechanisation Programme?
The programme is Punjab's first-ever dedicated financing scheme for high-tech agricultural machinery, launched by the Agriculture Department in partnership with the Bank of Punjab. Its aim is to shift Punjab's farming away from outdated, labour-intensive methods toward modern, mechanised, and more productive cultivation. The Punjab Provincial Development Working Party (PDWP) has approved a development budget of Rs. 8.8 billion for the programme.
The initiative covers 12 categories of high-tech agricultural machinery, sourced through global manufacturing partnerships, and is designed to benefit small, medium, and large-scale farmers as well as registered service providers who offer machinery on a rental/custom-hiring basis to smaller farmers.
Loan Amount and Repayment Terms
- Interest-free loan (Qarz-e-Hasna) of up to Rs. 30 million (3 crore) per applicant for eligible high-tech machinery.
- 6-month grace period before repayment begins.
- Loan is repayable over 5 years, with instalments payable on a quarterly basis.
- No mark-up, interest, or hidden financing charges — this is a true Qarz-e-Hasna facility.
What Type of Machinery Is Covered?
The programme finances 12 categories of modern farm machinery, including equipment such as:
- Wet combine harvesters
- Rice transplanters/planters
- Multi-crop planters
- Super Seeders
- Laser land levelers
- High-horsepower tractors (100–120 HP range)
- Other precision and climate-smart farming equipment
The programme also works alongside Punjab's related mechanisation efforts, such as the Green Tractor Scheme (which offers direct subsidies of up to Rs. 1 million on high-power tractors) and the ongoing distribution of Super Seeders to rice farmers, together forming a broader push toward mechanised, climate-smart agriculture across the province.
Eligibility Criteria
Based on official announcements, the following categories can apply under the programme:
- Individual farmers who are permanent residents of Punjab.
- Registered machinery service providers offering rental/custom-hiring services to other farmers.
- Agri-based companies involved in mechanised farming operations.
- Applicants are generally expected to hold valid landholding or farming-business documentation as required by the Agriculture Department and Bank of Punjab.
Since this is a newly launched programme, exact landholding limits and category-wise conditions may be refined by the Agriculture Department. Always check the official portal for the latest eligibility notification before applying.
Documents Typically Required
- Valid CNIC
- Proof of land ownership or tenancy/lease agreement
- Business registration documents (for service providers/agri-companies)
- Bank account details for loan disbursement
- Machinery quotation/invoice from an approved supplier
How to Apply for the High-Tech Farm Mechanisation Programme
- Visit the official programme portal launched by the Punjab Agriculture Department (accessible via the official Punjab Portal at punjab.gov.pk).
- Register using your CNIC and contact details.
- Select the category of high-tech machinery you wish to finance.
- Upload the required land, business, and identity documents.
- Submit your application for review by the Agriculture Department and the Bank of Punjab.
- On approval, the Bank of Punjab processes the interest-free loan and disburses funds for the machinery purchase.
Why Was This Programme Launched?
Announcing the programme, CM Maryam Nawaz emphasised the government's commitment to modernising Punjab's agriculture sector, noting that mechanisation reduces production costs and significantly increases crop yields. She has separately highlighted how the use of technologies like Super Seeders is already helping reduce environmental pollution from crop-residue burning, while making advanced machinery accessible to small farmers through rental-based access as well as direct financing.
Frequently Asked Questions (FAQs)
Q1. What is the High-Tech Farm Mechanisation Programme?
It is a Punjab government financing scheme that provides interest-free loans for the purchase of modern, high-tech agricultural machinery.
Q2. How much loan can I get under this programme?
Eligible applicants can get an interest-free loan of up to Rs. 30 million for approved categories of high-tech machinery.
Q3. Is the loan really interest-free?
Yes, it is a Qarz-e-Hasna facility with no interest or mark-up, repayable over 5 years in quarterly instalments after a 6-month grace period.
Q4. Who can apply for this programme?
Farmers, registered machinery service providers, and agri-companies based in Punjab can apply, subject to eligibility verification.
Q5. Which bank processes the loan?
The loan is processed and disbursed through the Bank of Punjab, in partnership with the Punjab Agriculture Department.
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For video guide, view this video
Disclaimer: This post is for informational purposes only, based on public news reports and official Punjab government announcements. As this is a newly launched programme, eligibility criteria and machinery categories may be updated by the Agriculture Department — always verify current details through the official Punjab government portal before applying.
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