Ehsaas Kafalat is the women-focused cash transfer programme within BISP — it disburses Rs. 8,500 per quarter to the female head of eligible households, always in the woman's name, through mobile wallet collection channels.
Understand Ehsaas Kafalat and Its Registration Process
Ehsaas Kafalat is the primary unconditional cash transfer programme for extremely poor women in Pakistan. Under this specific programme, payments go directly to women — the female head of household or the nominated female beneficiary of the household. It's distinct from BISP Kafalat in that Ehsaas Kafalat explicitly targets female beneficiaries and emphasises financial inclusion through mobile wallets.
In practice, BISP administers Ehsaas Kafalat and the registration process is the same household survey — your household must be below the poverty score threshold. The key difference is that Ehsaas Kafalat payments are deposited to a designated female beneficiary's mobile wallet (JazzCash or Easypaisa account) rather than being collected over the counter.
Complete BISP Household Survey for Kafalat Eligibility
Registration starts with the BISP household survey — a data collector visits your home to assess the PMT poverty score. If a survey round is active in your area, the data collector will come to you. If not, visit a BISP registration camp or office.
For Ehsaas Kafalat specifically, the female nominee must be present during the survey and must have a valid CNIC registered in her name. If the female nominee doesn't have a CNIC, get one from NADRA first — this is a hard requirement. BISP actively facilitates CNIC acquisition for women through dedicated NADRA-BISP registration camps.
Set Up the Female Beneficiary's Mobile Wallet
For Ehsaas Kafalat digital payments, the female beneficiary needs a JazzCash or Easypaisa account registered in her CNIC. This is separate from the over-the-counter collection method for regular BISP Kafalat.
To open a JazzCash account: the female beneficiary dials *786#
from a Jazz SIM and follows the registration prompts, or visits a Jazz Franchise
with her CNIC for assisted registration. The account is linked to her CNIC.
See our full JazzCash account opening guide
for step-by-step instructions.
For Easypaisa: open via the Easypaisa app or visit any Telenor franchise with CNIC. Link the account to the female beneficiary's CNIC number.
Receive Confirmation and First Payment
After registration and eligibility confirmation, the Ehsaas Kafalat quarterly payment is deposited to the registered female beneficiary's mobile wallet. The beneficiary receives an SMS notification when payment is credited.
Check the wallet balance via the app or by dialing *786*2#
(JazzCash balance check). The payment can then be used for purchases at
JazzCash-enabled merchants, withdrawn as cash at any Jazz agent, or used
for digital payments. BISP's intent with the wallet-based payment is to
build financial inclusion — the beneficiary can save, spend, or withdraw
as she chooses.
Registration and Payment Problems
BISP and NADRA run joint CNIC registration camps specifically for women in remote and underserved areas. Contact the BISP district office — they can direct you to the nearest combined NADRA-BISP camp where women can get both CNIC and Kafalat registration done together.
The mobile number doesn't need to match the beneficiary's CNIC — the wallet is registered using CNIC biometric verification, not SIM ownership. Visit any Jazz or Telenor franchise with the female beneficiary's CNIC for in-person wallet opening.
There may be a sync delay between BISP's notification and the wallet system crediting. Wait 2–4 hours. If still zero, contact JazzCash helpline at 111-657-457 or Easypaisa at 042-111-003-737 with the payment reference number from the BISP portal.
Frequently Asked Questions
They're closely related — both are administered by BISP and use the same household eligibility survey. Ehsaas Kafalat specifically emphasises payment to a female beneficiary through a digital wallet, while regular BISP Kafalat can be collected over the counter by any registered beneficiary.
The payment amounts are set at the same rates across both programmes. The difference is delivery mechanism (wallet vs. cash counter) and the explicit targeting of a female recipient.
No — a household receives one cash transfer payment regardless of how it's labeled. The amount is the same quarterly Kafalat payment whether collected at an agent or deposited to a wallet.