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

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 

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.