A Big Step Toward Modern Farming in Punjab
Punjab’s farming is entering a new age under the leadership of Chief Minister Maryam Nawaz Sharif.
The government has started the “CM Punjab High-Tech Farm Mechanization Financing Program 2025” to help farmers get modern machines through easy loans and subsidies.
This program will help farmers move from old-style farming to modern, smart, and more productive farming.
This project is part of Maryam Nawaz’s “Sona Ugalta Punjab” plan, which aims to make farmers financially strong, grow more crops, and improve food supply across Punjab.
Why Modern Farming Is Needed
For many years, Punjab’s farmers have used old methods — lots of manual work, old tools, and dependence on the weather.
This made farming hard and less profitable, especially for small farmers.
To fix this, the government has started a high-tech farming program that gives farmers modern tools and easy loans.
The goal is simple:
Program Details
Under this scheme, farmers can get interest-free or low-interest loans to buy modern farming machines.
The government will also give up to 60% subsidy on selected equipment.
This program is being run by the Punjab Agriculture Department along with Bank of Punjab, ZTBL, and registered machinery dealers.
Main Features
- Interest-Free Loans Up to Rs. 3 Crore
Farmers can get up to Rs. 3 crore with no markup. They can pay it back in 5 years through small installments. - Up to 60% Subsidy
The government will pay up to 60% of the cost for selected modern machines like tractors, harvesters, planters, and laser levelers. - Easy Installments
Farmers can repay the loan in five-year installments to avoid financial pressure. - Focus on Small Farmers
The scheme mainly supports small and medium landowners who cannot afford expensive machinery. - Encouraging Agri-Business
The program also supports small businesses that want to buy machines and rent them out to nearby farmers.
Machines Covered in the Program
Farmers can buy many modern tools under this scheme, such as:
- Tractors and tractor attachments
- Seed drills and planters
- Fertilizer spreaders
- Laser land levelers
- Sprayers (including drone sprayers)
- Rotavators and harrows
- Harvesters and reapers
- Baling and silage machines
- Drip irrigation systems
All machines will be available through approved dealers of the Punjab Agriculture Department.
Timeline
- Launch Year: 2025
- Program Duration: 2025–2030
- Loan Period: Up to 5 years
- Subsidy: Given after machine verification
- Applications: Ongoing (first-come, first-served)
Farmers are advised to apply early since funds and subsidies are limited.
Who Can Apply
To qualify, you must:
- Live in Punjab
- Be a registered farmer or landowner
- Have a valid CNIC
- Own or lease at least 2.5 acres of land
- Not be a defaulter of any bank
- Cooperative farmer groups can also apply
How to Apply
Farmers can apply online through the official Punjab Agriculture website or CM High-Tech Mechanization Portal.
Steps to apply:
- Visit the official website.
- Register as a farmer or service provider.
- Fill in your personal and land details.
- Select the machine you want to buy.
- Upload required documents (CNIC, land proof, bank details).
- Submit your application.
- Wait for verification and approval.
For help, farmers can also call the helpline: 0800-17000.
Program Budget
The Punjab government has set aside Rs. 35 billion for modernizing farming.
Most of this money will go to the High-Tech Financing Program.
The funding will come from:
- Punjab Government
- Local Banks
- Federal and international partners
Goals and Benefits
This program is not just about giving machines — it’s about changing the future of farming in Punjab.
Main Goals:
- Replace manual work with machines
- Grow more crops per acre
- Reduce crop losses
- Create jobs for youth in agriculture
- Improve food quality for export
Expected Results:
- 20–25% more yield
- 15–20% lower costs
- Higher income for farmers
- Growth in the local machinery industry
Training for Farmers
The Punjab Agriculture Department will also arrange free training sessions for farmers to learn:
- How to use and maintain modern machines
- Smart farming methods
- Water-saving techniques
- Drone and sensor use in farming
These sessions will be held in district offices and universities.
Partner Banks
The program is supported by major banks, including:
- Bank of Punjab (BOP)
- Zarai Taraqiati Bank Limited (ZTBL)
- National Bank of Pakistan (NBP)
- Punjab Cooperative Bank
These banks will offer easy and interest-free loans to farmers.
Read More: Punjab E-Taxi Scheme 2025 Balloting
Challenges and Future Plans
Some challenges include ensuring that subsidies are distributed fairly and that machines are used properly.
To ensure transparency, all machines will be GPS-tracked and applications will be digitally managed.
Plans may include:
- Drone-based crop spraying
- Solar irrigation systems
- Smart farming mobile apps
Official Links:
www.agripunjab.gov.pk
www.cmhightech.punjab.gov.pk
Helpline: 0800-17000
Final Thoughts
The CM Punjab High-Tech Farm Mechanization Financing Program 2025 is a huge step toward modern farming in Punjab.
With easy loans, smart technology, and government support, farmers can earn more and work less.
Farmers should apply early and take this great chance to modernize their farms for a better future.