The Punjab government has taken a major step forward by modernizing the Nigehban Program for 2026. Instead of distributing physical ration bags, the government now provides direct financial assistance through a 10,000 PKR ATM card. This change is designed to bring dignity, transparency, and ease to deserving families during the holy month of Ramadan.
Under the leadership of Maryam Nawaz, this initiative focuses on empowering low-income households by giving them the freedom to spend according to their needs. Whether it is buying food, medicine, or daily essentials, families are no longer restricted to fixed ration items.
What Is Maryam Nawaz 10000 ATM Card Scheme
The Maryam Nawaz 10000 ATM Card Scheme is part of the Ramzan Relief Package introduced for residents of Punjab. Eligible families receive an ATM card loaded with 10,000 PKR, which can be withdrawn from Bank of Punjab ATMs after biometric verification.
This system removes middlemen and ensures that financial aid reaches the right people. Instead of standing in long queues for ration distribution, beneficiaries can access cash easily and securely.
You can also read: 9999 Ramzan Relief Package 2026 Check Benefits of the Package
Why Punjab Shifted from Ration to ATM Card System
The traditional ration distribution system faced several challenges, including delays, corruption, and unequal distribution. Many deserving families were left out, while others received less than their entitlement.
By switching to a digital ATM-based solution, the Punjab government has improved transparency and efficiency. Funds are transferred directly, reducing misuse and saving time for both the government and the public.
Key Objectives of the Digital Ramzan Relief Program
- Ensure transparent cash distribution
- Eliminate long queues and crowding
- Reduce corruption and favoritism
- Give families freedom of choice
- Use biometric verification for accuracy
This approach makes the relief system more humane and practical for modern needs.
Quick Facts About Punjab Ramzan Relief 10000 ATM Card
| Feature | Information |
|---|---|
| Monthly Aid | 10,000 PKR |
| Province | Punjab |
| Bank | Bank of Punjab (BOP) |
| Activation | Biometric at ATM |
| Status Check | SMS to 8070 |
| Official Portal | pser.punjab.gov.pk |
| Eligibility | PMT Score below 32 |
Eligibility Criteria for Maryam Nawaz 10000 Scheme 2026
Not everyone qualifies for the Ramzan relief program. The government uses verified poverty data to ensure fairness. Your eligibility is mainly determined through the PMT (Poverty Means Test) score.
Who Can Apply
- Punjab residents with valid CNIC
- Families registered in PSER or BISP
- PMT score below 32
- Low-income households
Who Is Not Eligible
- Government employees with high income
- Tax filers with large assets
- Incomplete or fake registrations
PSER and BISP Registration Explained
The PSER (Punjab Socio-Economic Registry) is a database used to identify deserving families. It collects household information such as income, family size, and living conditions.
BISP data is also linked with PSER to cross-check eligibility. If your data is missing or outdated, you must update it through official channels to be considered for the 10000 ATM card.
How to Check Maryam Nawaz 10000 Scheme Online
Checking your eligibility is simple and free. The government provides two official methods.
SMS Method
- Open your mobile messages
- Type your CNIC number
- Send it to 8070
- Wait for confirmation reply
Online Method
- Visit the PSER Punjab portal
- Enter your CNIC
- Check registration and eligibility status
Both methods are safe and officially supported.
Step-by-Step Registration Method for New Applicants
If you are not registered, you must complete your survey to be included.
Required Documents
- Original CNIC
- Registered mobile number
- Family information
Registration Steps
- Visit nearest PSER registration center
- Provide correct household details
- Verify information before submission
- Keep your mobile number active
Avoid incorrect data, as it may lead to rejection.
You can also read: Ramzan Nighban Program 2026 Online Registration & Check Eligibility Criteria
BOP Nigehban ATM Card Distribution Process
After approval, ATM cards are distributed at the local level. You do not need to visit the bank unless instructed.
Collection Points
- Government schools
- Union council offices
- Assistant Commissioner offices
You will receive an SMS from 8070 with collection details.
BOP Nigehban ATM Card Activation Step by Step
Receiving the card is not enough. Activation is mandatory before withdrawal.
Activation Steps
- Visit any Bank of Punjab ATM
- Insert your ATM card
- Choose activation option
- Complete biometric thumb verification
- Set a secure PIN
Biometric verification ensures that only the rightful person can use the card.
How to Withdraw 10000 PKR from ATM
Once activated, withdrawing money is easy.
- Insert card into ATM
- Enter PIN
- Select cash withdrawal
- Withdraw full or partial amount
You can also check your balance at the ATM before withdrawing.
Common Issues and Their Solutions
Some people face problems due to minor issues.
- No SMS received: Check mobile number registration
- Biometric failed: Visit another BOP ATM
- Card blocked: Contact BOP helpline
Most issues are resolved within minutes if data is correct.
Safety Guidelines for ATM Card Holders
- Never share your PIN
- Do not take help from strangers
- Use ATMs during daytime
- Keep your card safe
Following these steps protects your relief money.
Official Sources and Helpline Information
Always rely on official platforms for updates.
- PSER Punjab website
- SMS service 8070
- Bank of Punjab helpline
Avoid fake messages and unauthorized agents.
Conclusion
The Maryam Nawaz 10000 ATM Card Scheme under the Nigehban Program 2026 is a smart and transparent way to support deserving families during Ramadan. By shifting from ration bags to direct cash assistance, the Punjab government has made the process easier, faster, and fairer. If your data is complete and you follow the official steps for checking, registration, and activation, you can receive your rightful financial support without hassle.
You can also read: How to Check Maryam Nawaz 10000 Scheme Online Registration 9999
Frequently Asked Questions (FAQs)
Q1: How can I check my Maryam Nawaz 10000 scheme status?
You can check by sending your CNIC to 8070 or by visiting the PSER Punjab portal.
Q2: Is biometric verification mandatory?
Yes, biometric verification at a BOP ATM is required to activate and use the card.
Q3: Can I use the ATM card at other banks?
After activation, it usually works on 1-Link ATMs, but charges may apply.
Q4: What if my PMT score is above 32?
You may not be eligible, as the scheme targets low-income families only.
Q5: Is the PSER website safe for registration?
Yes, it is the official government platform for eligibility and registration.