Maryam Nawaz Hi-Tech Farm Mechanisation Financing Program Online Apply Now

In today’s fast-changing agriculture landscape, small and medium farmers in Punjab often struggle to afford modern machinery needed for efficient farming. To solve this, the Punjab government under Chief Minister Maryam Nawaz launched the Hi-Tech Farm Mechanisation Financing Program, a groundbreaking initiative aimed at transforming the province’s agriculture sector. The program provides farmers, entrepreneurs, and service providers access to interest-free loans for purchasing advanced agricultural machinery. With this digital financing model, Punjab is taking a big step toward sustainable farming, improved productivity, and financial inclusion.

If you’re a farmer looking to modernize your fields, this guide will explain how the scheme works, who can benefit, and how to proceed with the Hi-Tech Farm Mechanisation Financing Program online apply process.

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Latest Updates (2025)

In 2025, Chief Minister Maryam Nawaz Sharif officially inaugurated the digital portal for the Hi-Tech Farm Mechanisation Financing Program. This online platform marks a new chapter in agricultural digitalization, enabling farmers to apply for loans conveniently from their homes. The latest updates include the addition of international machinery partners from countries such as China, Turkiye, Italy, Japan, and the USA, ensuring access to world-class agricultural technology. Government statements highlight that the initiative will bring a “digital revolution in Punjab’s agriculture,” ensuring transparency and empowering farmers through technology.

Quick Snapshot Table (Program at a Glance)

Feature	Detail
Maximum Loan Amount	PKR 30 million
Equity (Applicant’s Share)	20%
Age Limit	21–65 years
Loan Type	Interest-Free (through Bank of Punjab)
Loan Duration	5 Years
Installments	20 Quarterly Installments
Grace Period	6 Months
Application Fee	PKR 5,000
Eligible Applicants	Farmers, Service Providers, Entrepreneurs
Machinery Covered	12 High-Tech Agricultural Machines (local & imported)

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Program Overview & Objectives

The Hi-Tech Farm Mechanisation Financing Program was designed to help Punjab’s farmers adopt advanced machinery and reduce their dependence on manual labor. By offering interest-free financing through the Bank of Punjab, it enables farmers to increase yields and minimize post-harvest losses.The program’s digital structure ensures transparency, allowing every applicant to track their status online. Moreover, by involving the private sector and promoting custom-hiring centers, this initiative aims to make modern agricultural technology accessible to even small-scale farmers.

Key Features of the Program

The scheme offers interest-free loans up to PKR 30 million with a flexible five-year repayment plan. Applicants must contribute 20% equity, while the government bears the interest cost.

Eligible individuals between 21 and 65 years can apply for 12 types of local and imported hi-tech machinery — from combine harvesters to irrigation systems. Each applicant benefits from a six-month grace period and comprehensive insurance coverage.

For those planning to register, you can begin the Hi-Tech Farm Mechanisation Financing Program online apply process through the official portal and complete all steps digitally without visiting any office.

Eligibility Criteria

To apply, applicants must be residents of Punjab with a valid CNIC and registered mobile number. Farmers should own at least five acres of land, while entrepreneurs need a valid NTN. Service providers must be registered with the Agriculture Department (Field Wing). Applicants are required to have a clean credit history and must agree not to sell or transfer the machinery for at least five years. Those interested can check their eligibility and start their Hi-Tech Farm Mechanisation Financing Program online apply registration directly on the government’s official website.

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How to Apply Online (Step-by-Step Guide)

Here’s how you can apply for the Hi-Tech Farm Mechanisation Financing Program online in a few easy steps:

• Visit the official portal of the program.
• Register an account using your CNIC and mobile number.
• Select your category — Farmer, Service Provider, or Entrepreneur.
• Fill out personal, contact, and business details.
• Choose your desired machinery type from the approved list.
• Upload required documents (CNIC, land proof, NTN, etc.).
• Review your application and submit it online.
• Wait for verification by the Bank of Punjab and final approval.
• Once approved, you’ll be notified to deposit your equity share for loan disbursement.

Loan Disbursement & Repayment Details

The Bank of Punjab reviews all applications and transfers approved amounts directly to registered machinery suppliers. Borrowers contribute 20% equity upfront, while the remaining 80% is paid through the interest-free loan. Repayment is made in 20 quarterly installments over five years. All interest charges are fully borne by the Punjab government. However, late payments may lead to penalties under bank policy.

Security & Guarantee Requirements

To ensure transparency and accountability, all purchased machinery remains hypothecated to the bank until the loan is fully repaid. Applicants must provide a personal guarantee, along with insurance that covers theft, fire, and natural disasters. Landholders must submit ownership documents, while non-landholding applicants can use alternate collateral.The borrower also signs an undertaking not to sell or mortgage the machinery during the loan term.

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Machinery Covered Under the Program

The scheme includes a wide range of hi-tech agricultural machines, both local and imported, such as:

• Combine Harvesters for wheat and rice
• Multi-Crop and Rice Planters
• Seeders and Nursery Machines
• Wheat Straw Balers and Silage Harvesters
• Maize Cob Dryers and Harvesters
• Orchard Pruners and Sprayers
• Irrigation Systems and Central Pivots
• High-Power Tractors and Implements

Each machine plays a crucial role in improving efficiency, saving time, and reducing post-harvest losses.

Program Benefits & Impact

The Hi-Tech Farm Mechanisation Financing Program is more than just a loan scheme — it’s a step toward transforming Punjab’s agriculture. It helps farmers increase productivity, reduce labor costs, and embrace digital farming practices. Private sector involvement encourages local manufacturing and creates job opportunities in rural areas. If you wish to modernize your farming setup, start your Hi-Tech Farm Mechanisation Financing Program online apply journey today to access advanced equipment at zero interest.

Challenges & Limitations

While the scheme is revolutionary, it faces some hurdles. Small farmers may struggle to arrange the 20% equity share, and there are risks of loan misuse or machinery maintenance issues. Delivery logistics and limited awareness in remote areas can slow adoption. To counter these, the government aims to improve outreach and training for farmers.

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Comparison with Other Government Schemes

Compared to earlier tractor subsidy or mechanization schemes, this program offers higher loan limits, interest-free financing, and an online application portal for complete transparency.

The inclusion of imported machinery and the partnership with international suppliers makes it one of the most modern agricultural financing initiatives in Pakistan.

Early Implementation & Farmer Feedback

Initial reports from pilot districts suggest positive feedback from farmers who have already received their equipment.

Users report better yields, lower costs, and faster harvesting cycles.

The government plans to expand the program to more districts by 2026, making the Hi-Tech Farm Mechanisation Financing Program a model of agricultural modernization.

Conclusion

The Hi-Tech Farm Mechanisation Financing Program stands as a landmark initiative by the Punjab government. It combines financial support, modern machinery, and digital convenience — all aimed at empowering farmers. If you want to improve your farm operations or start a custom-hiring business, consider applying through the Hi-Tech Farm Mechanisation Financing Program online apply portal today.

This is your chance to join Punjab’s agricultural revolution and take part in building a modern, sustainable farming future.

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