The Benazir Kafalat Program Phase 3 has officially been rescheduled, and payments will now begin from 8 November 2025 (Saturday) across multiple clusters. BISP Headquarters ne yeh update confirm kiya hai taake har mustahiq khatoon ko apni Rs 13,500 payment time par mil sake. Is baar amount July to September installment ka hissa hai aur sirf Kafalat payment di ja rahi hai — children’s stipends include nahin hain. Payments camp sites (par centers) ke zariye di jayengi, is liye mustahiqeen ko apna original CNIC le kar qareebi camp site par jana zaroori hai. Yeh BISP Phase 3 update har cluster ki schedule ke mutabiq apply hoga.
Background – Understanding the Benazir Kafalat Program
The Benazir Kafalat Program — launched under the Benazir Income Support Programme (BISP) — is Pakistan’s largest welfare initiative designed to empower low-income women. Through this program, every eligible household receives financial assistance of Rs 13,500 every quarter to help manage essential expenses.
Since 2025, BISP has introduced several digital reforms, including the new Cluster Payment System, aimed at ensuring transparency, easy access, and zero deductions during cash distribution.
Yeh program sirf financial madad nahi balkeh ek social security initiative hai jo ghar ghar tak insaf aur barabri ka paighaam le kar jata hai. Mustahiq khawateen apni eligibility check karne ke liye 8171 Web Portal ya Official BISP Website par visit kar sakti hain.
Why Was Phase 3 Rescheduled?
According to the Benazir Income Support Programme (BISP) officials, the Phase 3 payments of the Benazir Kafalat Program have been rescheduled to 8 November 2025. The delay was caused by system maintenance, verification of new beneficiary data, and banking coordination issues.
BISP ne yeh faisla is liye liya taake har mustahiq khatoon ko apni Rs 13,500 installment bilkul safe aur time par mil sake. Iss dafa organization ne khas taur par cluster system ko update kiya hai, jisse payment centers mein rush aur technical errors kam hon. Beneficiaries ko advise kiya gaya hai ke apna CNIC verify karwa kar 8 November se payment receive karen.
Detailed Timeline of All Phases (1–3)
Since January 2025, the Benazir Kafalat Program has been completing its payments in different phases, taake distribution orderly aur transparent ho. Each phase covers a specific cluster of districts under partner banks.
- Phase 1 began in May 2025, where initial beneficiaries from Punjab, Sindh, and KP received their Rs 13,500 installment.
- Phase 2 payments started in August 2025, extending to more rural and remote areas.
- Now, the much-awaited Phase 3 has been officially rescheduled for 8 November 2025, jisme multiple clusters (6, 7, 9, 11, 12 aur 13) shamil hain.
Iss phased rollout ka maqsad yeh hai ke har mustahiq ko secure aur time-bound payment mile, without any deductions or system load.
How to Check If You are Included in Phase 3
Benazir Kafalat Program Phase 3 (November 2025) ke liye apni inclusion check karna ab bohat aasan hai. BISP ne beneficiaries ke liye multiple tareeqe introduce kiye hain jisse aap easily verify kar sakti hain ke aap current payment phase mein shamil hain ya nahi.
Step-by-Step Guide to Check Your Eligibility
1. Via 8171 SMS Service
- Apna CNIC number type karke 8171 par SMS karein.
- Aapko BISP se confirmation reply milega jisme likha hoga ke aapka naam current payment phase mein hai ya nahi.
2. Through BISP 8171 Web Portal
- Visit karein official BISP 8171 web portal (type karein: 8171.bisp.gov.pk).
- Apna CNIC aur Captcha code enter karein.
- System aapko instantly show karega ke aap Phase 3 (November 2025) list mein included hain ya nahi.
3. Visit Your Nearest BISP Camp Site
- Apne district camp site ya payment center par ja kar apni inclusion confirm karein.
- Wahan par BISP staff ke paas updated lists hoti hain, jahan se verification ho sakti hai.
4. Check Through Partner Bank Help Desks
- BISP ne apne partner banks (BOP, HBL, Alfalah, Mobilink Jazz, etc.) ke help desks par bhi beneficiary verification option diya hai.
- Apna CNIC le kar inquiry karein.
Extra Tip:
Apna CNIC verify karwana zaroori hai. Agar aapka CNIC expired hai ya update required hai, to NADRA se pehle renewal karwa lein — warna payment delay ho sakta hai.
Cluster-Wise Payment Details (Latest November 2025 Update)
BISP ne confirm kiya hai ke Benazir Kafalat Phase 3 Payments officially 8 November 2025 (Saturday) se start ho rahi hain.
Is dafa total 7 clusters ke zariye payments di ja rahi hain. Har cluster ke mustahiqeen ko Rs. 13,500 installment milegi — jo July to September 2025 ki payment hai (education stipends is phase mein shamil nahi hain). Camp sites (payment centers) par ja kar apni installment receive karein, CNIC zaroor le kar jayein.
Must Check: BISP October 2025 Camp Payment Locations List
Cluster-Wise Districts List — Phase 3 (November 2025)
Cluster 6 – Bank of Punjab (BOP):
Jamshoro, Dadu,, Mianwali, MultanQilla Saifullah, Qilla Abdullah, Pishin, Tank, Toba Tek Singh
Cluster No. 7 – Mobilink Jazz:
Sujawal, Tando Allahyar,i, Malakand, Rahim Yar Khan, Tando Muhammad Khan, Hyderabad, Kharan, Chaga
Cluster No. 9 – Habib Bank Limited (HBL):
Khairpur, Harnai, Okara, Sheikhupura, Ziarat, Sibi, Lakki Marwat
Cluster No. 11 – Alfalah Bank:
Kashmore, Lehri, Khanewal, Dera Bugti, Kohlu, Karak, Lahore, Hafizabad,
Cluster No. 12 – Alfalah Bank:
Larkana, Shikarpur, Barkhan, Musakhel, Sherani, Dera Ismail Khan, Kasur, Bahawalnagar
Cluster No. 13 – HBL Microfinance:
Ghotki, Zhob, Layyah, Bahawalpur, Loralai, Buner, Haveli, Ghizer, Gujranwala,
Payment Details
- Installment Amount: Rs. 13,500 per beneficiary
- Phase Period: July – September 2025
- Payment Start Date: 8 November 2025
- Payment Method: Camp sites (centers only)
- Children’s Stipends: Not included in this phase
Payment Process – Step-by-Step Guide for Beneficiaries
The Benazir Kafalat Program Phase 3 (November 2025) payments will officially begin from 8 November 2025. If you’re an eligible beneficiary, follow these simple steps to collect your Rs. 13,500 installment safely and smoothly — bilkul asani se aur bagair kisi tension ke.
Step-by-Step BISP Payment Collection Guide
1. Check Your Inclusion First
Before visiting the camp, verify your eligibility by sending your CNIC number to 8171 or checking on the BISP 8171 web portal. This confirms whether your name is included in Phase 3.
2. Locate Your Nearest Camp Site
BISP has set up district-wise camp sites for Phase 3 payments. You can find your location via the local BISP office, SMS notification, or notice board. Always confirm your cluster number before visiting.
3. Bring Your Original CNIC
Make sure you carry your original CNIC — photocopies or expired cards are not accepted. Yeh sabse zaroori step hai, without it, payment will not be issued.
4. Biometric Verification at Camp Site
At the camp, your thumb impression (biometric verification) will be checked. In case of any issue, approach the BISP help desk or partner bank booth for support.
5. Collect Your Rs. 13,500 Payment
Once verified, you’ll receive your cash amount of Rs. 13,500. Always double-check that you received the full amount — kisi ko bhi extra charges dene ki zarurat nahi hai.
6. Get Your Payment Receipt
After collecting your payment, ask for the official BISP receipt. This is your proof that the installment has been received successfully.
7. Report Any Issues Immediately
If you face any problem or someone demands extra money, call the BISP helpline (0800-26477) right away.
Pro Tip:
To avoid long queues, visit your camp site early in the morning. Keep your CNIC and verification SMS ready. Security and female staff are present to ensure the process remains safe and organized.
Also Read: BISP 8171 Payment Phase 2 October 2025
Common Issues & Troubleshooting (Biometric Failure, CNIC Error, Payment Delay)
While collecting your Benazir Kafalat Phase 3 (November 2025) payment, some beneficiaries may face minor issues like biometric failure or CNIC mismatch. Don’t worry — BISP has clear solutions for every problem so that aapka paisa safe aur time par mile.
1. Biometric Verification Failure
If your thumb impression doesn’t match at the camp site:
- Try again after cleaning your thumb or using the other hand.
- If it still fails, visit the BISP complaint desk at the same center.
- The staff will either re-verify your biometric data or forward your case to the partner bank desk for manual clearance.
- You can also call the BISP helpline (0800-26477) for further guidance.
Tip: Elderly beneficiaries can ask for manual verification support if fingerprints are faded.
2. CNIC Verification or Expiry Issue
If your CNIC is expired or unverified, your payment might be on hold.
- Visit your nearest NADRA office and renew or update your CNIC.
- After renewal, your data is automatically synced with the BISP system within a few days.
- Phir se CNIC 8171 par send karein to confirm your eligibility again.
3. Payment Not Received or Delayed
If your payment status shows released but you haven’t received it yet:
- Confirm your cluster schedule (payment dates vary).
- Contact your camp site supervisor or BISP office for clarification.
- Never pay anyone for faster processing — yeh service bilkul free hai.
4. Deduction or Partial Payment Complaint
If someone deducts money or you receive less than Rs. 13,500:
- Immediately report it at the on-site BISP complaint counter.
- Demand your official receipt as proof.
- Call the BISP helpline and register your complaint with district and center details.
Pro Tip:
Always keep your BISP SMS confirmations, CNIC, and receipt safe until the next installment. These documents help you in case of any verification or future complaint.
Official Helplines and Support Channels
If you’re facing any issue related to your Benazir Kafalat Phase 3 (November 2025) payment — such as biometric error, payment delay, or deduction complaint — you can easily contact the official BISP support team.
BISP ne multiple channels provide kiye hain taake har mustahiq ko time par madad mil sake.
Official BISP Helpline & Support Contacts
| Support Type | Details | Best For |
| BISP Helpline Number | 0800-26477 | Payment issues, complaint registration, or general info |
| SMS Service (8171) | Send your CNIC number to 8171 | Eligibility check, payment status, and verification |
| Email Support | info@bisp.gov.pk | Written complaints or document submission |
| Official Website | www.bisp.gov.pk | Program details, policy updates, and news |
| BISP 8171 Portal | 8171.bisp.gov.pk | Online eligibility and registration status |
| Social Media (Facebook Page) | facebook.com/OfficialBISP | Live updates and alerts |
| Regional Offices | Visit your nearest BISP tehsil or district office | In-person assistance and form submission |
Pro Tip:
When contacting BISP, always keep your CNIC, registered mobile number, and previous payment receipt with you. Isse verification process fast ho jata hai aur aapka issue jaldi resolve hota hai.
Summary & Key Takeaways
The Benazir Kafalat Program Phase 3 (November 2025) is all set to start from 8 November 2025 (Saturday) across multiple clusters. Each eligible beneficiary will receive Rs. 13,500 for the July–September 2025 installment through camp sites only — bina kisi deduction ke aur bilkul safe process ke zariye.
Make sure to:
- Verify your inclusion via 8171 or BISP 8171 Portal before visiting.
- Bring your original CNIC for biometric verification.
- Visit your designated camp site early to avoid rush.
- Report any deductions or payment issues directly to the BISP helpline (0800-26477).
This new Phase 3 schedule shows BISP’s commitment to transparency and efficiency, ensuring that every mustahiq woman gets her due support on time. Agar aap eligible hain, to apna haq zaroor hasil karein aur is mauqe ko miss na karein.
Final Note
The Benazir Kafalat Program continues to empower millions of families across Pakistan. With improved systems, better verification, and organized clusters, November 2025 payments will be smoother than ever.
Stay updated, stay informed — aur apni payment check karte rahein 8171 par!
