Zewar-e-Taleem is a CM Punjab stipend programme for girls from low-income families — monthly amounts ranging from Rs. 500–1,500 are disbursed via BISP payment channels to keep girls enrolled through primary and secondary school.
Understand What Zewar-e-Taleem Is
Zewar-e-Taleem (Jewel of Education) is a CM Punjab conditional cash transfer programme for school-going girls from low-income families. Registered families receive monthly cash stipends deposited to a Zewar-e-Taleem card — provided their daughters maintain regular school attendance. The programme incentivises families to keep girls in school rather than pulling them out for domestic work or early marriage.
The card is a debit card linked to the mother's CNIC. Stipends are deposited monthly and can be withdrawn at designated ATMs, bank branches, or through JazzCash and Easypaisa agents. Each registered daughter adds a fixed monthly amount to the card balance.
Check Your Card Balance via SMS
The quickest balance check method is SMS. Send your 13-digit CNIC number to 8171 from any mobile phone. The reply message shows your current Zewar-e-Taleem card balance alongside any other BISP/Ehsaas benefit status linked to your CNIC.
Alternatively, send the word BAL followed by your CNIC to the Zewar-e-Taleem programme's dedicated short code if one is currently active — check the programme's latest communication for the current SMS code. The 8171 method works for most BISP-linked programmes including Zewar-e-Taleem.
Check Balance Through the BISP or PASS Portal
Go to 8171.bisp.gov.pk and enter your CNIC. Your BISP profile page shows all benefit programmes linked to your household — including Zewar-e-Taleem. The balance and last payment date are displayed alongside your eligibility status.
For a more detailed transaction history — showing each monthly deposit and withdrawal — visit any HBL Bank branch (Zewar-e-Taleem is administered through HBL in most phases) with your CNIC and Zewar-e-Taleem card. The branch can print a mini-statement showing the last 10 transactions.
Withdraw Funds and Resolve Balance Issues
To withdraw your Zewar-e-Taleem balance:
- HBL ATM: Use the Zewar-e-Taleem card at any HBL ATM. PIN is provided when the card is first issued — if forgotten, visit the HBL branch for a PIN reset.
- HBL branch counter: Present card and CNIC for over-the-counter withdrawal.
- Designated payment agents: Some phases use Easypaisa or JazzCash agents for disbursement — the SMS notification specifies the withdrawal channel.
If your balance shows zero but you expect a payment to be present: check whether this month's attendance report was submitted by your daughter's school. Zewar-e-Taleem payments are conditional on attendance — the school's monthly attendance report must be submitted to the education department before the stipend is processed.
Application and Eligibility Problems
The school must submit monthly attendance reports to the district education department before stipends are processed. Check with your daughter's school that attendance reports are being submitted on time — this is the most common reason for delayed payments.
The card may be blocked due to inactivity or PIN attempts exceeded. Visit the nearest HBL branch with your CNIC to unblock and reset the PIN.
Registration may not have completed. Visit the nearest BISP registration desk or Education Department office to verify registration status and whether your daughter's school is enrolled in the programme.
Frequently Asked Questions
Stipend amounts vary by programme phase and grade level — typically Rs. 250–1,000 per daughter per month, with higher amounts for girls in secondary school. The exact amount is specified in the programme's current phase announcement.
Zewar-e-Taleem stipends are conditional on minimum attendance — typically 70–80% attendance per month. Months falling below the threshold receive a reduced or zero payment. Consistent attendance is the only way to maintain the full monthly stipend.
Yes — multiple daughters in the same household can each be registered, provided they're all enrolled in school and meet the attendance requirement. Each daughter adds to the monthly card payment.
Government schools in Punjab are the primary participating institutions. Some programme phases extend to low-fee private schools recognised by the Punjab Education Foundation. Confirm with your daughter's school whether it's enrolled in the programme.