The Benazir Kafalat Program stands as a symbol of hope for millions of deserving families across Pakistan. Since its launch, the initiative has helped countless women and low-income households gain financial stability through direct cash transfers.
As of October 2025, the government has introduced several new updates and improvements in the Benazir Income Support Programme (BISP) to ensure fairness, transparency, and inclusion. One of the biggest talking points this month is the PMT score update—a system that decides whether or not you remain eligible for the program.
This detailed guide will walk you through the October 2025 PMT update, how to check your eligibility, register or reverify your data, and receive your payment safely.
What Is the Benazir Kafalat Program?
The Benazir Kafalat Program (BKP) is a government initiative designed to support low-income families, especially women, who struggle to meet daily needs. The program provides Rs. 13,500 in quarterly installments directly into the beneficiaries’ accounts.
It is part of the Benazir Income Support Programme (BISP)—one of Pakistan’s largest welfare projects under the Ministry of Poverty Alleviation and Social Safety. The goal is simple yet powerful:
To empower underprivileged families and reduce poverty through transparent financial assistance.
Who Is Eligible?
The Benazir Kafalat Program primarily targets:
- Widows, divorced women, and unemployed women
- Households with income below the poverty line
- Families without stable jobs or assets
- People with disabilities or chronic illness
- Orphans and senior citizens with no support
Understanding the PMT Score System
At the heart of the BISP eligibility process lies the PMT (Proxy Means Test)—a scoring system that calculates a household’s economic condition based on data collected through the National Socio-Economic Registry (NSER).
Your PMT score is determined by various factors, including
- Household income
- Number of dependents
- Housing type (rented or owned)
- Access to electricity, gas, and sanitation
- Education level and employment status
Current PMT Threshold – October 2025
As per official BISP guidelines, the current PMT score cutoff is 32.
- If your PMT score is 32 or below, you are eligible for Benazir Kafalat payments.
- If your PMT score is above 32, you are not eligible and may be excluded after re-verification.
This threshold ensures that funds are directed toward those who truly need financial assistance.
October 2025 Update – PMT Score & Eligibility Changes
The October 2025 update brings a series of important revisions and announcements under the Benazir Kafalat umbrella. The changes focus on reverification, digital inclusion, and data accuracy.
1. Dynamic Survey for Data Reverification
BISP has initiated a dynamic survey nationwide to verify all previously registered households. Families who have seen an improvement in their income may be removed, while newly identified poor families will be added.
If your data hasn’t been updated for more than 3 years, you must visit the nearest BISP Tehsil Office to resubmit your information for a new PMT score calculation.
2. New Online PMT Score Checker
To make the system more user-friendly, the 8171 web portal has been upgraded. Citizens can now check:
- Updated PMT score
- Eligibility status
- Payment details and transaction history
- Dynamic survey updates
This new online system ensures transparency and prevents corruption or middleman interference.
3. Exclusion of Ineligible Beneficiaries
According to October reports, more than 800,000 families have been excluded from the program because their PMT score exceeded 32 or because they did not complete the required verification process.
This move helps redirect funds to those living below the poverty line.
4. Payment Distribution Improvements
Payments of Rs. 13,500 are now being disbursed through HBL Konnect, Bank Alfalah, and other partner banks to ensure safe and fast transactions.
Beneficiaries receive an official SMS alert from 8171 when their payment is ready for collection.
5. Complaint & Support System
A dedicated BISP Helpline (0800-26477) is now active to handle all queries, including:
- Payment deduction reports
- PMT score corrections
- Survey assistance
- Lost CNIC or wrong entry complaints
How to Check Your PMT Score (October 2025 Guide)
Checking your PMT score is simple and can be done in two easy ways—either through SMS or the online portal.
Option 1: Check via SMS (8171)
- Open the message app on your phone.
- Type your CNIC number (without dashes).
- Send it to 8171.
- You’ll receive a reply showing your eligibility and payment details.
Note: Only use your registered SIM linked to your CNIC for accurate results.
Option 2: Check via Web Portal
- Go to the official BISP portal: https://8171.bisp.gov.pk.
- Enter your 13-digit CNIC number.
- Complete the captcha code.
- Click on “Submit” to view your PMT score, eligibility status, and payment information.
If your PMT score has been updated under the new survey, you will see the revised number immediately.
How to Register or Update Your Data
If you’re not yet registered or your PMT score is not showing online, follow these steps to enroll or update your NSER record:
- Visit the nearest BISP Tehsil Office.
- Bring your original CNIC, children’s B-forms, and utility bill.
- Fill out the Dynamic Survey Form.
- Submit your details for verification.
- Wait for confirmation via 8171 SMS.
Your PMT score will then be recalculated, and you’ll be notified if you qualify for the program.
BISP Payment Schedule – October 2025
The disbursement of Rs. 13,500 for October 2025 is now underway in all provinces of Pakistan. Below is the expected payment timeline:
| Region | Payment Start Date | Completion Date |
|---|---|---|
| Punjab | 10 October 2025 | 25 October 2025 |
| Sindh | 12 October 2025 | 28 October 2025 |
| Khyber Pakhtunkhwa | 14 October 2025 | 30 October 2025 |
| Balochistan | 16 October 2025 | 31 October 2025 |
| AJK & Gilgit-Baltistan | 18 October 2025 | 31 October 2025 |
Always confirm your SMS alert from 8171 before visiting any payment center.
Common Problems and Solutions
| Issue | Reason | Solution |
|---|---|---|
| PMT score not showing | Outdated survey data | Visit BISP office for a re-survey. |
| Payment delay | Bank processing | Wait for next batch release |
| Deduction in payment | Unauthorized agent | Report to BISP helpline |
| CNIC blocked | Data mismatch | Correct data at NADRA office |
| No SMS received | Wrong mobile number | Update number at Tehsil office |
Contact & Support Information
For all official communication, contact BISP only through verified sources:
- 📞 Helpline: 0800-26477
- 💬 SMS Service: 8171
- 🌐 Official Website: https://www.bisp.gov.pk
- 📝 Complaint Portal: https://8171.bisp.gov.pk
⚠️ Warning: Beware of fake websites and agents claiming to help with registration or payment. BISP never asks for personal bank details or fees.
Impact of PMT Score Updates on Beneficiaries
The PMT update plays a crucial role in maintaining the fairness of the Benazir Kafalat Program.
- If your PMT score increases above 32, you may lose eligibility.
- If your score decreases below 32, you remain entitled to financial assistance.
Why PMT Reverification Matters
- Ensures funds reach the most deserving families.
- Removes fraudulent or duplicate records.
- Keeps the system updated with real-time financial conditions.
Many households that improved their income status are being replaced by those living in extreme poverty, creating a more equitable welfare network.
Future Plans of BISP (2026 Onwards)
The Government of Pakistan aims to enhance the Benazir Kafalat Program with advanced technology and digital transformation. Future updates may include:
- Biometric verification on mobile devices
- Digital wallets and e-payments
- Mobile app for registration & complaint tracking
- Increased financial support for widows, students, and disabled individuals
- Special assistance for flood-affected areas
These developments will help ensure that no deserving family is left behind.
Conclusion
The October 2025 Benazir Kafalat Program update mainly focuses on data verification, PMT score recalculation, and fair beneficiary selection.
If you’re already part of the program, it’s essential to:
- Check your PMT score regularly via 8171 or bisp.gov.pk
- Update your NSER survey to avoid disqualification
- Respond to official SMS alerts only
Remember, your PMT score is the key to continued eligibility. Keeping your record updated ensures uninterrupted financial aid and access to other BISP welfare schemes.