The BISP 13500 Payment Phase 3 officially started on November 1, 2025 — today, Saturday — marking the final rollout of the July-September quarterly installment under the Benazir Kafalat program.
This Rs 13500 payment is now being distributed to eligible women in 42 districts through six dedicated clusters (6, 7, 9, 11, 12, 13). If you’re a registered beneficiary, your BISP 8171 SMS should arrive soon — or you can check status online right now.
Key Note: This phase does not include child education stipends (Taleemi Wazaif). Those will resume in the next cycle.
2. Phase 3 Timeline: From October to November 1 Deadline
Here’s how the BISP payment phases rolled out this quarter:
| Phase | Start Date | Focus |
| Phase 1 | Early October | 53 flood-affected & rural districts |
| Phase 2 | Mid-October | Urban centers & verification holdovers |
| Phase 3 | November 1, 2025 | Final 42 districts via retailer shops |
Deadline Alert: Most BISP payments must be collected by November 15. After that, unclaimed funds may be reallocated.
3. Cluster 6–13 District List (Full Table)
Use this district-wise BISP cluster list to see if your area is live today:
| Cluster | Bank / Provider | Districts (Phase 3 – Nov 1) |
| 6 (BOP) | Bank of Punjab | Jamshoro, Dadu, Qilla Saifullah, Qilla Abdullah, Pishin, Tank, Toba Tek Singh, Mianwali, Multan |
| 7 (Jazz) | Mobilink JazzCash | Sajawal, Tando Allahyar, Tando Muhammad Khan, Hyderabad, Kharan, Chagai, Malakand, Rahim Yar Khan |
| 9 (HBL) | Habib Bank Limited | Khairpur, Harnai, Ziarat, Sibi, Laki Marwat, Okara, Sheikhupura |
| 11 (Alfalah) | Bank Alfalah | Kashmore, Lehri, Dera Bugti, Kohlu, Kark, Lahore, Hafizabad, Khanewal |
| 12 (Alfalah) | Bank Alfalah | Larkana, Shikarpur, Barkhan, Musakhel, Shirani, Dera Ismail Khan, Kasur, Bahawalnagar |
| 13 (HBL Microfinance) | HBL Microfinance | Ghotki, Zhob, Loralai, Bonair, Haweli, Ghizer, Gujranwala, Layyah, Bahawalpur |
Pro Tip: Can’t find your district? You might have received payment in Phase 1 or 2 — check your SMS history.
4. How to Check BISP 8171 Status in 30 Seconds
Don’t wait for the crowd. Verify your eligibility now:
Option 1: SMS Method (Fastest)
- Open messaging app
- Type your 13-digit CNIC number (no dashes)
- Send to 8171
- Reply within 2 minutes: “Eligible – Rs 13500” or “Not Eligible”
Option 2: Online Portal
- Visit 8171.bisp.gov.pk
- Enter CNIC + captcha
- See payment status, cluster, and collection point
Voice Search Tip: Say: “Hey Google, check BISP 8171 status” — works on Android phones.
5. Retailer Shop Locator: Find Your Nearest Collection Point
No more guessing! Use these tools to locate your BISP retailer shop:
- HBL Connect App → “Find Branch/Retailer”
- JazzCash App → “Agent Locator”
- Bank Alfalah Alpha App → “Service Points”
- Google Maps: Search “BISP retailer near me [your city]”
Example: Type “BISP retailer Okara” → get exact address + contact.
Download Free: BISP Retailer Map PDF (Coming Soon)
6. Collection Rules: What to Bring & Avoid
Follow these official BISP collection rules to get your Rs 13500 smoothly:
| Must Bring | Don’t Do |
| Original CNIC | Pay any “fee” to agents |
| BISP Card (if issued) | Share CNIC photo on WhatsApp |
| Mobile phone (for OTP) | Trust “double payment” calls |
Biometric Verification: Your thumbprint must match NADRA records. If it fails, visit the nearest BISP Tehsil Office with CNIC.
7. Why No Child Stipends This Phase? (Taleemi Wazaif Update)
Many mothers ask: “Where is my child’s education money?”
Answer:
Taleemi Wazaif (Rs 2,000–4,000 per child) is paid only after school enrollment verification — usually in January and July.
- This Phase (Q3): Only Rs 13500 Kafalat
- Next Cycle (Q4): Rs 13500 + child stipends expected in January 2026
Action Now: Enroll kids in school → get double payment next quarter.
8. Scam Alert: Fake Agents, SMS Frauds & WhatsApp Traps
Warning: Criminals are active during BISP Phase 3.
| Scam Type | How to Spot | What to Do |
| Fake SMS | From 81xx (not 8171) | Delete & report |
| Agent Fee | “Pay Rs 500 to speed up” | Never pay |
| WhatsApp Call | “Send CNIC photo for registration” | Block & report |
Official Channels Only:
- SMS: 8171
- Helpline: 0800-26477 (Free)
- Website: bisp.gov.pk
Report Fraud: Call 1991 or visit Tehsil Office
9. Women’s Voices: Real Stories from Phase 3
“This Rs 13500 saved my daughter’s school fee. I paid 3 months in one go.”
— Saima Bibi, Toba Tek Singh
“I used to borrow from neighbors. Now I buy groceries without shame.”
— Gulnaz, Rahim Yar Khan
“My husband is sick. This money buys his medicine.”
— Farah, Lahore
These are real voices of 10 million women empowered by Benazir Income Support Programme.
10. Marked Ineligible? Here’s Your Fix (Dynamic Survey Guide)
Got “Not Eligible”? Don’t lose hope.
Step-by-Step Re-Registration:
- Visit nearest BISP Tehsil Office
- Bring: CNIC, children’s B-Form, utility bill
- Request Dynamic Survey
- Update family income, assets, PMT score
- Wait 4–6 weeks for re-verification
PMT Score Tip: Must be below 32 to qualify.
11. Phase 4 Prediction: January 2026 Double Payment?
Based on past trends:
| Quarter | Payment | Child Stipends? |
| Oct–Dec 2025 | Rs 13500 | No |
| Jan–Mar 2026 | Rs 14500 + Rs 2,000–4,000 per child | Yes |
Save your CNIC — double payout likely in January 2026 after school surveys.
12. FAQs (BISP 13500 Payment Phase 3)
Q: When did BISP Phase 3 start in 2025?
A: November 1, 2025 — today!
Q: How to check BISP 13500 phase 3 status online?
A: Send CNIC to 8171 or visit 8171.bisp.gov.pk
Q: Which districts are in BISP cluster 7 November 1?
A: Sajawal, Tando Allahyar, Hyderabad, Rahim Yar Khan, and more (see table above).
Q: Can I collect from HBL ATM in Phase 3?
A: No — retailer shops only. Biometric required.
Q: What if I miss the November 15 deadline?
A: Visit BISP office — funds may be blocked.
13. Need Help? Official Contacts
| Service | Contact |
| SMS Check | Send CNIC to 8171 |
| Helpline | 0800-26477 (Mon–Sat, 8 AM–8 PM) |
| Website | bisp.gov.pk |
| Complaints | Call 1991 |
Final Word:
Rs 13500 is more than money — it’s dignity, medicine, school fees, and hope.
Check your status now. Visit your retailer today. Share this guide with a sister in need.
Last Updated: November 1, 2025 – 3:00 PM PKT
Source: Official BISP Channels & Verified Field Reports
Share this article → Help 1 million women claim their BISP 13500 this week.
