The Unconditional Cash Transfers (UCT) programme also known as “Benazir Kafaalat Programme” is the core programme of BISP. It was initiated in the year 2008. Since inception, the UCT/ Kafaalat initiative has grown to the extent that it is now the largest single cash transfer programme in Pakistan's history. Short term objective of the programme was to cushion against negative effects of slow economic growth, food crisis and inflation on the poor, particularly women, through provision of cash assistance to eligible families. The long term objectives of programme was to eradicate extreme and chronic poverty, along with women empowerment, as set out in the Sustainable Development Goals (SDGs). BISP is currently providing cash assistance to around 9 million families under Benazir Kafaalat programme. Starting from Rs. 3,000/-per beneficiary per quarter, the present Benazir Kafaalat stipend is Rs. 8,500/- per beneficiary per quarter.


Beneficiaries of “Benazir Kafaalat Programme” are identified/selected through scientific mode of Proxy Means Test (PMT) through National Socio Economic Registry (NSER) survey. The welfare status of a household is determined on a scale between 0-100 of the PMT. The PMT cut-off score for eligibility is decided by BISP Board on the basis of available fiscal space. All families falling within the approved PMT cut-off score are being provided cash assistance under Benazir Kafaalat Programme. The current PMT cut-off score of 32 was approved by the BISP Board in its 52ndmeeting held on 23rd September, 2021. However, for families with a differently abled person, the PMT cut-off score is set at 37 for eligibility.


BISP’s Board has recently approved Policy for inclusion of transgenders for cash assistance under Benazir Kafaalat Progrmme. Transgenders are required to obtain CNICs from NADRA clearly mentioning gender as transgender. Survey is mandatory at Benazir Registration Centers established in every BISP Tehsil Office. However, PMT cut-off restrictions are relaxed i.e. all transgenders whose survey is conducted successfully, are eligible to apply for inclusion in the programme. After validation/verification of data by NADRA, transgenders are declared as beneficiaries and they can start receiving cash assistance through BISP’s partner banks.

Benazir Kafaalat cash assistance is disbursed to the eligible beneficiaries after Biometric Verification System (BVS) through two partner banks namely HBL in Punjab, Sindh and Baluchistan and Bank Alfalah in KP, GB and AJK.


In order to continue financial assistance support to the family of deceased beneficiaries, BISP has Next of Kin policy in place. Under this policy, the legal heirs from the deceased beneficiary family can become beneficiary of the programme through a well devised appeal mechanism. In case of death of a beneficiary, her family is required to submit necessary documents (CNIC of the deceased, CNIC cancellation certificate from NADRA, death certificate from union council and CNIC of family members) in nearest BISP Tehsil Office. After processing, the next-of-kin family members as defined under BISP policy starts receiving payments.


An active Grievance Redressal Mechanism is in place to tackle various types of complaints and their timely resolution. The Grievance Redressal Mechanism is integrated with partner banks for quick tracking and resolution of complaints. To lodge complaints, beneficiaries can visit nearest Tehsil office of BISP or call at BISP HQs, Islamabad toll free help line (0800-26477).

Beside its regular Programme, BISP also caters for disbursements of emergency programmes, under shock response initiatives. Some of the emergency programmes implemented by BISP are;

  1. Special Relief Package for Population Living along LOC in AJ&K
  2. Emergency Cash Assistance Program for affectees of (Covid-19) Phase I & II
  3. Harnai Earthquake Relief Programme
  4.       Emergency Relief Package for Tirah Valley, Khyber District, KPK
  5. Shock Response- Targeted Petroleum Subsidy Programme
  6. Emergency Cash Disbursement to Flood Affectees-2022
  7. Subsidy for Wheat Seed Rabi 2022-23 (Activity in progress)

BISP is also working on some new initiatives/programmes to further the impact of cash assistance on the poor and the vulnerable. These initiatives/programmes include:

  1. Financial Inclusion and Financial Literacy Programmes
  2. Hybrid Social Protection Programme
  3. New Payment Model