The Government of Punjab has launched the CM Punjab High Tech Farm Mechanization Finance Program 2025 to modernize agriculture across the province. Under this scheme, farmers, service providers, and agri-entrepreneurs can buy modern farming machinery through interest-free loans of up to PKR 30 million.
This initiative aims to make farming faster, easier, and more profitable. It will also help reduce manual labor, prevent post-harvest losses, and increase productivity in Punjab’s agriculture sector.
What Is the CM Punjab High-Tech Farm Mechanization Program?
This program provides interest-free loans to promote the use of high-tech machinery in agriculture. Its main purpose is to help farmers switch from traditional methods to mechanized and modern farming.
The Punjab Government pays the interest, while applicants only need to contribute 20% of the total machinery cost. This makes it easier for farmers to buy costly machines without financial stress.
Benefits of High-Tech Farm Mechanization Program
- Maximum Loan Limit: Up to PKR 30 million
- Equity Amount: 20% of total cost (applicant share)
- Loan Type: Interest-free loan through the Bank of Punjab
- Repayment Period: 5 years
- Installments: 20 equal quarterly payments
- Grace Period: 6 months
- Age Limit: 21 to 65 years
- Application Fee: Rs. 5,000
Eligibility Criteria For Cm Punjab Agriculture Scheme
To apply for this program, the applicant must meet the following conditions:
- Must be a resident of Punjab Province
- Entrepreneur must hold a valid NTN number
- Farmer must own at least 5 acres of land
- Service provider must be registered with the Agriculture Department (Field Wing), Government of Punjab
- Age between 21 and 65 years
- Must have a valid CNIC and mobile number registered in their own name
- Must have a clean credit history and no overdue loans
- Must have the ability to repay quarterly installments
- Must be willing to deposit 20% equity of the total machinery cost upfront
- Only one application per individual or business is allowed
- Subsidy can be availed only once during the entire project period
- The applicant cannot sell or transfer the machinery for five years or until the full repayment of the financed amount
- Must attend training or orientation sessions on machine use and maintenance
- Must agree to on-site monitoring and inspection by the Agriculture Department and bank officials
These conditions ensure that the program benefits genuine farmers and entrepreneurs who are ready to adopt modern technology.
Who Can Apply For Farm Mechanization Loan Scheme
The program is open to:
- Farmers owning at least 5 acres of land
- Service Providers registered with the Agriculture Department
- Entrepreneurs with a valid NTN
Applicants must be residents of Punjab, have clean financial records, and meet all eligibility requirements.
Machinery purchased under this scheme cannot be sold or transferred for at least five years. Applicants will also receive training to properly operate and maintain the machines.
Machinery Covered Under CM Punjab Agriculture Machinery Scheme
The program supports 12 types of modern local and imported machines, including:
- Combine Harvesters
- Seeders and Planters
- Sprayers
- Rotary Tillers
- Balers
- Threshers
- Cultivators
- Water Pumps
- Drip Irrigation Systems
- Greenhouse Equipment
These machines help farmers save time, reduce costs, and improve productivity.
Why Mechanized Farming Is Important
Mechanized farming is the future of agriculture. It makes work more efficient, reduces waste, and increases yields.
Key Benefits:
- Faster harvesting and threshing
- Lower post-harvest losses
- Improved crop quality
- Reduced labor dependency
- More competitive and modern farming
Currently, Punjab’s agriculture sector is only 35% mechanized. This program will help raise that number and bring agriculture closer to global standards.
Loan and Repayment Process
The process to apply for the loan is simple and online:
- Visit the Punjab Agriculture Department’s portal.
- Register and fill in your details.
- Select the desired machinery.
- Upload all required documents (CNIC, land proof, NTN, etc.).
- Bank verifies your information and credit history.
- Deposit 20% of the machinery cost as equity.
- Bank pays the remaining 80% directly to the supplier.
- After a 6-month grace period, repayment begins in 20 quarterly installments.
Since the loan is interest-free, farmers only pay the actual cost of machinery, making it highly affordable.
Important Rules and Conditions
- Machinery must be from the approved list.
- It cannot be sold or transferred for 5 years.
- Training on machine usage is compulsory.
- Late payments will incur bank penalties.
- Only one loan per applicant is allowed.
Benefits for Farmers and Entrepreneurs
The program offers several advantages for both individuals and the overall agriculture sector.
For Individuals:
- Interest-free loans
- Access to modern, efficient machines
- Reduced labor and operational costs
- Increased profits and better yields
- New business opportunities for service providers
For the Agriculture Sector:
- Higher productivity and efficiency
- Growth in agri-machinery market
- Job creation
- Greater private-sector investment
Budget and Progress For High-Tech Farm Mechanization Finance Program
The Punjab Government has approved a budget of PKR 8.8 billion for this scheme. The goal is to expand farm mechanization and encourage farmers to adopt modern technology across Punjab.
Applications are now open for cm punjab high tech farm mechanization finance program 2025 online registration