The Phase 2 Payment Clusters & Districts of Benazir Kafalat / BISP payments is officially starting 2025, covering 55 districts across Pakistan. This rollout aims to improve transparency, efficiency, and convenience for millions of beneficiaries through a new cluster-based distribution system.Under this phase, payments will be made through designated banks, mobile wallets, and government-authorized campsites to ensure a smooth, secure, and timely disbursement process.
Clusters & Districts Covered in Phase 2
The following table provides an updated list of clusters and the respective districts included in Phase 2 operations:
| Cluster | Region(s) | Districts Included |
| Cluster 3 | Khyber Pakhtunkhwa / Tribal Areas | Peshawar, Charsadda, Mohmand, Khyber, North Waziristan, South Waziristan, Kurram, Nowshera, Hangu, Swabi, Bajaur |
| Cluster 4 | Sindh | Sanghar, Nawabshah, Mirpur Khas, Tharparkar, Matiari, Umerkot |
| Cluster 5 | Karachi & Coastal Belt | Karachi Central, Karachi East, Korangi, Malir, Karachi South, Karachi West, Thatta, Awaran, Lasbela, Faisalabad, Gwadar |
| Cluster 14 | Northern & Mixed Regions | Sukkur, Khuzdar, Washuk, Kohat, Muzaffargarh, Poonch, Sudhnoti, Bagh, Kharmang, Ghanche, Diamer |
| Cluster 15 | Punjab & Balochistan | Naushahro Feroze, Shangla, Quetta, Turbat, Kech, Panjgur, Rajanpur, Nankana Sahib, Vehari |
Key Highlights of Phase 2
- Stipend Amount: Rs. 13,500 per eligible family
- Distribution Method: Through partner banks, Easypaisa, JazzCash, and official BISP payment camps
- Verification: Biometric verification via CNIC required
- Coverage: 55 districts across all provinces
This phase emphasizes fair and equal distribution of funds, targeting both rural and urban communities to ensure that assistance reaches every deserving household.
How Phase 2 Payments Will Be Disbursed
All eligible women will receive an official message from 8171, confirming the release date, payment venue, and collection procedure. Beneficiaries should only trust messages from 8171 and avoid third-party agents or fake messages.After receiving the SMS, recipients should visit their assigned bank branch, campsite, or mobile wallet outlet on the mentioned date. It’s essential to bring the original CNIC for verification.At the venue, the staff will confirm identity using a biometric thumb impression. Once verified, the full payment of Rs. 13,500 will be handed over or transferred directly to the beneficiary’s account. No deductions are allowed under official policy.
Troubleshooting & Support
If a beneficiary does not receive an SMS or faces technical issues:
- Check CNIC eligibility on the 8171 web portal.
- Make sure the registered mobile number is active and linked to CNIC.
- Visit the nearest BISP office for help or re-verification.
Why Phase 2 Is Important
The launch of Phase 2 is a major milestone in Pakistan’s welfare system. By adopting a cluster-based payment strategy, the program ensures:
- Increased Transparency: Reduces corruption and mismanagement by assigning specific payment partners to each district.
- Faster Distribution: Organized scheduling helps minimize long queues and overcrowding.
- Improved Access: Expands coverage to rural, remote, and previously underserved districts.
- Higher Financial Support: The stipend has been raised to help families cope with inflation and rising living costs.
This structured approach is designed to bring financial inclusion, stability, and economic empowerment to women across the country.
Frequently Asked Questions (FAQs)
1. Who is eligible for Phase 2 payments?
Women registered under the Benazir Kafalat / BISP program who meet the criteria set by the National Socio-Economic Registry (NSER) are eligible. Eligibility can be checked via the 8171 SMS service or online portal.
2. What if my district is not included in this phase?
Districts not listed in Phase 2 will receive payments in the upcoming phases. Beneficiaries should stay updated through the official BISP announcements and the 8171 notification system.
3. Can someone else collect my payment?
No. Payments are made only after biometric verification, so the registered beneficiary must appear in person with her CNIC. No representative or third party is allowed to collect the funds on behalf of someone else.
Conclusion
The launch of Phase 2 of Benazir Kafalat / BISP payments on October 2025 marks a significant step toward ensuring fair, transparent, and efficient welfare distribution across Pakistan. Covering both urban and remote areas, this phase is a symbol of the government’s commitment to supporting vulnerable families and empowering women economically.Beneficiaries are advised to remain alert, verify messages through 8171, and collect their payments safely from designated venues. This initiative not only delivers financial assistance but also strengthens the foundation of social welfare and equality in Pakistan.
