Do you often find it challenging to keep up with your day-to-today expenses? The inflation and pandemic adversely affect the poor and working-class people of the country. Therefore, the government of Pakistan introduced Ehsaas Kafalat Program in 2022 for these people. The aim of this program is to help low-income citizens financially.
Ehsaas Kafalat Program offers a monthly grant of 12000 Rupees. It is said to help around 7 million women who are struggling financially. Moreover, this grant is only for Pakistani citizens who cannot provide for their families without any outside help.
So, if you are unemployed and need financial assistance, continue reading this article till the end because I will share all the details of this scheme.
Table of Contents
Objectives of the Ehsaas Kafalat Program
Ehsaas Kafalat Program is an amazing social welfare program given to poor people by the Pakistani government. This grant focuses on widows, poor women, and disabled people. This is an attempt to give them a chance to do something better for themselves by reducing the burden of daily expenses. Moreover, it also offers health insurance.
The ultimate objective of this program is to reduce poverty. Some poverty-stricken people cannot afford a warm meal or basic hygiene products. These people are left behind in the race of life and cannot focus on improving their situation as they spend their whole life fulfilling their basic human needs. So, this program helps them with their basic daily necessities.
It provides the benefits of health insurance to those people who qualify for it. It has helped a huge number of people who would otherwise compromise their health due to a lack of money. Similarly, the holistic approach of this program is to provide basic needs like health and education to people to help them improve their financial situation in the long run.
The core value of this program is to help alleviate poverty. But it runs much deeper than this as it helps in empowering women. It is safe to say that Ehsaas Kafalat Program is working on bringing gender equality. Because it gives financial strength and independence to women, enabling them to make decisions for their families, which can potentially help them break the cycle of poverty.
This program helps give people a sense of social protection as it promises regular cash transfers. They can focus on other things without worrying about starvation. When a person’s basic human needs are fulfilled, they can only consider other important long-term goals like education, skills, and financial stability. Therefore, Ehsaas Kafalat Program gives social protection to vulnerable people and enhances their resilience.
One of the program’s key features is to promote financial inclusion by including the beneficiaries in the financial services. When they are involved in the formal financial sector, they feel empowered and think about saving, building assets, and participating in the economic race. So, a simple thing such as providing them with a bank account, digital payment systems, and financial literacy initiative can actually do economic wonders.
How Much Money Does Ehsaas Kafalat Program Offer?
The Pakistani government works with non-governmental organizations (NGOs) at the district level to help identify deserving people. Moreover, they offer a monthly stipend of RS 12000. However, on 28th February 2022, Prime Minister Imran Khan increased the amount by 2000 rupees, totaling 14000 rupees.
Ehsaas Kafalat Program for Special Persons
Disabled people have a general quota in Ehsaas Kafalat Program. However, they can only apply if they are unemployed and have no assets. If disabled people own property and significant assets, then they will be disqualified. So, keep this in mind before applying for this program.
Former Prime Minister of Pakistan Imran Khan tweeted on the International Day of Disabled Persons about including special people in this program. The program included two million families in the Ehsaas Kafalat policy for Special Persons. They will receive a monthly stipend of RS 2000. Moreover, this initiative was taken to make the country a disability-inclusive and sustainable post-COVID-19 world.
Additionally, to register for this program, you need a Special Persons Card from NADRA Online Portal and register your family to the policy through the Ehsaas registration desk.
Ehsaas Kafalat Program Registration: Step-by-Step Guide
If you are struggling with the registration process for the Ehsaas Kafalat Program. I will break it down into various steps in a systematic order. So, let’s delve right into it.
Ehsaas Registration Desk
Previously the government did a survey in which most of the household’s data was taken at their homes. However, some people skipped and missed the registration.
Therefore, Ehsaas Registration Desk is here to offer its services. You can register yourself there, but it will re-open after 15 August 2023. The registration disk list and locations will be displayed once it reopens.
Step 1: Check Your Eligibility
The first step is to check your eligibility by sending your CNIC number without dashes to 8171. You can also check it below as well.
On the website, you will be asked to enter your mobile number, form number, or CNIC number. Please carefully provide all the necessary information and click on the ‘Maloom karay’ button.
Ehsaas Kafalat Program Eligibility Criteria
The eligibility criteria are simple as long as the family and the individual meet certain income criteria. Let me explain the eligibility criteria and how to check if you are eligible.
- You must be a Pakistani citizen.
- You should own a valid Computerized National Identity Card (CNIC).
- You must meet the poverty criteria set by the government.
- Your household’s total and complete income must not exceed RS 12000.
- Your name and ID should be registered to the program’s database.
- You must not possess any asset with a greater value than RS 50,000.
Additionally, people with less income and more family members are given preferences. Widows, poor women, and disabled people are also given priority. So, if you meet these criteria, apply for the grant now.
Step 2: Registration Center Visit
At the registration center, you will have to fill out a survey at the Ehsaas Survey Center. Bring your CNIC along with you. Similarly, you can inform the agent about your income and property to receive a slip and register.
Step 3: Wait for the SMS
Once you receive the slip, keep it safe with you because you will need it for future use. Moreover, now you must be patient and wait for the SMS after getting included in the Ehsaas Kafalat Program Online Registration (NADRA) database.
Step 4: Collect your Money
Finally, you will receive a response as an SMS. If you are selected, you will be asked to collect your money from the nearest participating bank’s ATM or Ehsaa Kafalat payment location.
How to Get Your Ehsaas Kafalat Program Money?
If you are selected for the Ehsaas Kafalat Program and receive the selection SMS, you will feel the need to collect your money. Moreover, you can get your money from the following three locations.
- Your nearest Ehsaas Kafalat Program payment location.
- The participating banks near you.
- From the biometric ATM of the participating banks.
Ehsaas Kafalat Program: Cash Withdrawal from Bank
You can withdraw the Ehsaas Kafalat Program money from the partnered banks. These banks provide an easy and simple cash withdrawal method. Here is how to withdraw Ehsaas Kafalat Program money from a bank account.
- First, look for the nearest branch of the participating bank. For instance, Habib bank ltd. (HBL) or Bank Alfalah.
- Next, look through the menu and select the language you are fluent in.
- Then, select Ehsaas Kafalat Program.
- Then, provide your 1 digits CNIC number without adding dashes.
- Now, you will see a scanner; put your thumb on it to verify your identity on it.
- Finally, you will be able to get your RS 12000 from the ATM.
Ehsaas Kafalat Card
When you are registered for the Ehsaas Kafalat Program, the government completes a background check on you. If you are found eligible, you will receive a letter from the government. They will issue an Ehsaas Kafalat card to the beneficiaries, which acts like a debit card. Moreover, the card acts as an easy and valid medium for funds depositing and debiting. It also reduces the risk of your money getting taken by fraud.
How to Apply for Ehsaas Kafalat Card?
Ehsaas Kafalat Program has introduced an online portal that provides an easy and simple way of applying for the Ehsaas Kafalat Card. Here is a step-by-step guide on how to apply for it.
- First, visit the official website of the Ehsaas Kafalat Program.
- Next, you must create an account or log in if you have one already. However, to create an account, you need to click on the ‘sign in’ or ‘register’ tab and provide your personal information, like name, email address, and contact details. Once it is done, make a password and a username, and your account is ready.
- Then, after signing in, click on the given form for the Ehsaas Kafalat card. It will ask for your personal details like name, email address, contact number, CNIC number, and address. Now check your details to see if they are accurate, then proceed further.
- Now you must upload the required documents like a scanned copy of your CNIC and proof of your income, etc. Moreover, uploading clear and scanned copies of your documents is important as it determines your eligibility.
- Then, press the ‘submit’ button.
- Finally, after your documents and information is checked and verified, you will get a notification that will tell you about the place from where you can collect your card.
There are various banks that the Government of Pakistan chose to provide their financial services for the Ehsaas Kafalat program. For instance, cash transfers and beneficiaries. Following are the participating banks.
- National Bank of Pakistan (NBP)
- Habib Bank Limited (HBL)
- United Bank Limited (UBL)
- JazzCash (A mobile wallet)
- Easypaisa (A mobile wallet)
Ehsaas Rabta App
To increase the people’s knowledge of the Ehsaas Kafalat Program, the government has launched an app called Ehsaas Rabta App. This app enables users to stay in touch with new updates and learn readily about new activities through a digital platform. Moreover, it is compatible with both Android and IOS.
Additionally, the app is an original official app and, therefore, available on the Google Play Store. So you can download it without any issue. After downloading the app, install it and run it on your phone to stay in touch with Ehsaas Kafalat Program.
Ehsaas Kafalat Program: One Window Center
There are various programs all running under Ehsaas Kafalat. Gathering all the information at once can get confusing and overwhelming. Therefore, Imran Khan launched the One Window Center for Ehsaas Kafalat Program 2023. This will act like a one-stop shop where you can get all the information under one roof.
Most poor Pakistani people do not know how to navigate digital platforms. Therefore, they cannot avail all of the offers even if the government does its best to advertise them. So, the one-window center is a genius idea. People go to these centers and get information on whether they are eligible for the grant or not and what kind of grant fits their needs properly.
Citizens’ Feedback on Ehsaas Kafalat Program
Although the program has helped a lot of people and has somewhat completed the key features, there is some constructive feedback from the citizens that should be taken into consideration. One of the mutual criticism of the program is its eligibility criteria. According to the people, it is too restricted and does not include many of the well-deserved poor people.
Similarly, another criticism is the lack of transparency among the leaders and the actual beneficiaries. Most people are unaware of what is happening with their applications and why they are not eligible.
To attend to their concerns, the government should revise the eligibility criteria and redesign it in such a way that it includes the majority of the needy people. Because the inflation and pandemic have made a lot of people lose their jobs and assets. Moreover, the government needs to continuously make reports on this program and share it with people along with case studies.
Additionally, they should have better coordination with the leaders and managers of the program and have a constant evaluation and monitoring system that would ensure that the funds are reaching their target community.
Ehsaas Kafalat Program: Helpline
If you have any complaint regarding the program, you can contact on this number 0800 26477.
On Facebook and Radio Pakistan, a transmission called Ehsaas Kafalat E-Kacheri will be hosted, where dr Sania Nishtar will cater to all the questions and complaints of the people. So, if you have queries, you can contact them at 0519204865 and 0519206995.
Additionally, an Ehsaas Program 2023 Complaint Center Portal is available where you can file a complaint against the issues in the biometric system or fingerprint issues. Similarly, for any quarries on the timings of Ehsaas one Window program, you can call on this helpline number 0800-26477.
Is any agent at Ehsaas Center allowed for any deduction?
No, agents are not allowed to deduct any money. This money belongs only to the beneficiaries; agents have no rights over it. However, if anything like this happens to you, you are urged to immediately report them by making a complaint to the district administration or tehsil office near Ehsaas Center.
How should I confirm if I am eligible for the Ehsaas Kafalat program?
If you are still unsure about your eligibility, you can send your CNIC number to 8171. They will inform you through text whether you are eligible for the program. Moreover, they will also tell you to receive your money from the nearest Ehsaas center if you are eligible.
What are the ATM timings for Ehsaas Kafalat Cash withdrawals?
The Ehsaas Kafalat cash can be withdrawn from the participating banks’ ATMs at any time.
Can I withdraw my money without an ID card?
If you have lost your ID card or it is expired, you can withdraw money after New CNIC is issued to you.
In a nutshell, Ehsaas Kafalat Program is a great effort towards reducing poverty and helping the poor and needy people of the country. The Ehsaas Kafalat program cash is increased from 12000 to 14000 per month.
Moreover, the Ehsaas Kafalat policy for special persons is included, which offers a RS 2000 monthly stipend to disabled people. The program provides an app called Ehsaas Rabta App which helps give new updates to the beneficiaries.
This grant ensures a regular cash supply to the poverty-ridden citizens who are struggling hard to make ends meet but still live hand to mouth. These people cannot even afford the basic necessities of life.
So, this guarantee of a certain amount gives them social security and allows them to work on their long-term goals. Moreover, complaint portals and helpline numbers are available for the beneficiaries to promote transparency.