Ongoing Projects

Empowerment of Kissan through Financial and Digital Inclusion (E-Credit)


A scheme titled “Empowerment of Kissan through Financial and Digital Inclusion” (E-Credit Scheme) was launched in October 2016 for a period of five years upto 2020-21. Through this scheme, interest free loans are being provided to small farmers though two Commercial Banks / Participating Financial Institutions (PFIs) (ZTBL and -NBP) and three Micro Finance Institutions (MFIs) (Telenor Micro Finance Bank, NRSP and Akhuwat Islamic Microfinance). A revolving fund amounting to Rs. 2.00 Billion has been provided to Akhuwat Islamic Microfinance whereas all the remaining PFIs /MFIs arrange their credit lines through their own resources. Farmer’s registration for the scheme is being carried out through PLRA. Interest free loans are being provided amounting to Rs, 30,000/- per acre for Rabi crop and Rs. 40,000/- per acre for Kharif crop. Farmers having land holding upto 12.5 acres. Shall be eligible for interest free financing under the scheme, however, the interest/markup subsidy will be provided upto 5 acres only. The applicant farmer/tenant/sharecropper should be the same union council where the land located. During the current year 2019-20, Rs. 600 million have been allocated for the scheme.


  • The primary objective of the scheme is to facilitate the farmer to have a bumper crop,
  • To enable farmers to sell the product at affordable prices,
  • Increase farmers digital literacy
  • Increase overall financial inclusion in the country.
  • To encourage the under-banked and non-banked farmers into the banking network, therefore around 70% of the loan is to be disbursed to the famers having no previous credit history.


Financial Intervention:

To update the living standard of farming community and to alleviate the poverty, up till now, a total No. of 484,346 of farmers have been registered by PLRA under the E-Credit Scheme. Moreover, a Total of 916,768 Nos.of loans have been disbursed to small farmers of Punjab amounting to Rs. 61.99 Billion by PFIs. Government of the Punjab has paid a subsidy of Rs, 5.522 Billion (Including Rs, 2 Billion including Revolving Fund given to Akhuwat Islamic Microfinance).

Digital Intervention

To increase digital literacy among the farmers community, providing them real time weather updates, pesticides warning, pest crop practices, subject matter expert advice etc. GoPunjab has provided 78,677 No. of subsidized Smart phones along with 10 Agri. mobile Apps, to the loanee farmers. The remaining. 31,323 Nos. of handsets will be disbursed later on.

  • To develop basic seed of high yielding varieties of pulses


National Program for Improvement of Watercourses in Pakistan (Phase-II) -The Punjab Component

Total Cost: Rs. 46,255.356 Million (PSDP = Rs. 10,256.768, ADP = RS. 18,333.054, and Farmers’ Contribution = Rs. 17,665.534 Million)

Gestation Period: Five Years (2019-20 to 2023-24)

Allocation during 2019 - 20: ADP: Rs. 1,651.389 Million


Over the year, following targets are to be achieved:

  • Improvement of 2,500 Unimproved Watercourses
  • Additional Lining of 7,500 Already Improved Watercourses - up to 50 %
  • Provision of 9,500 LASER Land Leveling Units
  • Construction of 3,000 On-Farm Water Storage Tanks/Ponds



Wheat is the staple food of Pakistan satisfying 80% of our dietary needs. Its annual consumption is also increasing despite food diversification because of population increase. Therefore, production and productivity enhancement is always a challenge for success of Governments in Pakistan. Under this project attempt has been made to decrease cost of production by increasing per acre productivity and retrieve the area of wheat to allocate it for oilseeds and pulses. The total cost of the project is Rs. 12,535.00 Million and gestation period 2019-20 to 2023-24. Through this project agricultural machinery will be provided on 50% cost sharing basis and climate smart high yielding varieties will also be developed.


  • Productivity Enhancement of Wheat through use of certified and treated seed.
  • Promotion of timely sowing and mechanization/drill sowing.
  • Promotion of balanced use of Fertilizer and Micronutrient.
  • Weed management and application of irrigation at critical stages


  • Productivity of wheat will increase
  • Income generation activities in the industry and rural area will improve.
  • Due to retrieval of area from wheat crop, the area of oil seed crops will increase resulting in enhanced local production of oilseeds
  • New wheat varieties with improved yield potential will also be developed


Strengthening Markets for Agriculture and Rural Transformation (SMART) Punjab Program


The Strengthening Markets for Agriculture and Rural Transformation (SMART) Punjab is a World Bank assisted Five Years (2018-23) loan program with the twin goals of ending extreme poverty and promoting shared prosperity. The US$300 million provided by the PforR by World Bank will co-finance a much larger government Program of US$1.59 billion. Progress is being measured through 12 disbursement linked indicators (DLIs), each involving one or more specific actions required for agricultural and rural transformation in Punjab. DLIs related to Agriculture Department are as follows:

  • DLI 1. Improving access to quality farm inputs.
  • DLI 2. Revitalizing provincial crop and livestock research and extension systems.
  • DLI 4. Transitioning to High Value Agriculture (HVA).
  • DLI 5. Providing incentives to agribusiness for investment in value addition and agricultural technology.
  • DLI 7. Modernizing agricultural markets.
  • DLI 10. Rolling-out an agricultural insurance system.
  • DLI 11. Increasing public investment in Climate Smart Agriculture (CSA).
  • DLI 12. Communication, beneficiary feedback, capacity building and monitoring & evaluation.


  • To increase the productivity of crop and livestock farmers, improve their climate resilience, and foster agribusiness development in Punjab


  • Increased on-farm productivity and value of crops and livestock
  • Increased value addition and competitiveness of crops and livestock

Enhanced resilience of smallholder farmers to climate change and natural disasters 



Rice accounts 3.1% of the value added in agriculture and 0.6% of GDP. Rice ranks second amongst the staple food grain crops in Pakistan and it has been a major source of foreign exchange earnings among cereal crops. The prime objective of this project is to increase average yield of rice per acre and to utilize the area retrieved from rice cultivation (in the long run) for oil seeds, and other high value crops. This project intends to provide crop specific sowing/transplanting and harvesting machinery on 50% cost sharing basis. Further to showcase use of quality seed, weedicides, balanced use of fertilizers, timely transplanting of rice nursery and harvesting with rice specific harvesters by establishing Demonstration plots and conducting farmer days and seminars on D-plots. The total cost of the project is Rs. 6327.76 Millions and gestation period is 2019-20 to 2023-24.


  • To enhance profitability of rice farming through increasing productivity of Basmati (paddy) @ 10 maunds/acre.
  • To enhance profitability of rice farming through increasing productivity of Coarse (paddy) @ 20 maunds/acre
  • Productivity enhancement of rice (Basmati and Coarse Varieties) through optimizing plant population and use of certified seed
  • Transformation of manual transplanting into mechanical transplanting through promotion of Mechanical rice transplanters


  • Increase in rice paddy yield of 10 monds for basmati and 20 monds for coarse varieties
  • Improvement in quality of rice (as a result of certified seed)
  • Increase in income levels of farming community specifically and non-farming community in general
  • Improvement in international competitiveness due to decreased cost of production as a result of increased per acre yield.



Pakistan is 4th largest importer of edible oils in the world. Its per capita consumption of edible oil is 18 Kg per annum. The country’s total annual edible oil consumption stands at 4.268 MMT (Million Metric Ton) out of which 3.735 MMT (88%) is imported while local production stands at 0.533 MMT. Import Bill of edible oils during 2017-18 touched US$ 3.6 billion (Rs.395.513 billion). Keeping in view the situation, there is strong need to enhance production of major oilseed crops to reduce the huge burden of edible oil import bill. The total cost of the project is Rs. 5114.999 Millions and Gestation Period is 2019-20 to 2023-24. Through this project, oilseed growers will be supported will be provided Rs. 5000/acre up to 20 acres and oilseed related implements on 50% cost sharing basis. Yield competition among best growers at divisional and provincial level will be organize to encourage oilseed growers.


  • To make potential oilseed crops comparable with other cash crops
  • To address low yields of oilseed crops by enhancing production both vertically and horizontally
  • To promote mechanization for oilseed crops in order to minimize post-harvest losses
  • To provide high quality seed with collaboration of Federal Government


  • Self-sufficiency in qualitied and healthy edible oil production
  • Skills, awareness and income of farmers will increase
  • Saving billions of dollars spent on import of oilseed every year




Sugarcane industry is country’s second largest agro-industry sector after textiles. This project emphasizes on vertical growth in agriculture sector than horizontal growth. One of the key objectives of this project is to increase average yield of sugarcane per acre and to utilize the area retrieved from sugarcane cultivation (in the long run) for oil seeds, and other high value crops. The cost of the project is Rs. 2726.955 Million and gestation period is 2019-20 to 2023-24.


  • Provision of agricultural machinery / implements on 50 % cost sharing basis
  • Showcasing of Good Agricultural Practices (GAP) on balanced use of fertilizer, Weedicide application, and Integrated Crop Management (ICM) and Chip Bud technology.
  • Capacity building and dissemination of latest printed production technologies on sugarcane to the farmers through agriculture extension staff, agriculture input dealers and service providers. Farmer days with the support of sugar mills.
  • Development of seed production areas of high yielding varieties through sugar mills in each mill zone at least 10 acres for every 5000 acre of sugarcane.
  • Promotion of Sugarcane intercropping, September planting and other techniques.
  • Strengthening of Bio-labs for development of Integrated Pest Management program (IPM) to support sugar industries with releases to transfer to allotted mills/ sugarcane growing districts.
  • Climate Smart high yielding varieties & innovative technologies for various zones.


  • Productivity enhancement of sugarcane through optimizing plant population and use of good quality and treated seed.
  • Improvement soil fertility through provision of Micro Nutrients especially zinc
  • Promotion of mechanical methods of sugarcane growing, harvesting and residues management

Creation of conducive environment for retrieving area from sugarcane cultivation (in the long run) and its subsequent allocation to oil seeds and high value crops

Promotion of Pulses Cultivation in Punjab

The objectives of the projects are:

  • To develop basic seed of high yielding varieties of pulses
  • Promotion of certified seed of Lentil, Moong and Mash by its distribution among farmers at subsidized rates
  • Transfer of modern production technology through farmer training program, print & electronic media
  • Demonstration of modern production technology for pulses including Lentil, Moong, Mash & Gram at farmers’ fields
  • Promotion of pulses in association of other crops in irrigated areas
  • Holding of farmer days and use of other extension tools to lure farmers on adoption of pulses cultivation

Cost of the project is Rs. 127.260 Million with the gestation period from July 01, 2014 to June 06, 2017. Project location is all districts of the Punjab.
Physical progress for the year 20141-15 is 540 demonstration plots for Moong, Lentil, Mash have been laid out; 135 Pulses Drills distributed to farmers on 50% subsidy; 317700 Kg seed of Moong distributed to farmers on subsidy and sown during Spring and Kharif 2014-15; Five (5) Multiple Crop Threshers for Pulses given to Adaptive Research Farms for demonstration; 150 Farmer Days and Seminars conducted at demonstration sites; 31250 copies of literature on Moon, Mash, Gram and Lentil printed and distributed to farmers; 3000  Farmer Training Programs on Pulses conducted in the field.