Punjab Social Protection Authority (PSPA) – CM Khidmat Card Balance Check Guide 2026

The CM Khidmat Card continues to serve as a major welfare lifeline for vulnerable households across Punjab in 2026. Beneficiaries can receive financial assistance, access health coverage, and use ATM-enabled services for transparent cash withdrawals.

If you want to check your Khidmat Card account balance by CNIC, this updated guide explains eligibility, application, verification, and all available balance-check methods in simple language.

What is the CM Khidmat Card?

The program is supervised by the Punjab Social Protection Authority to make sure aid reaches deserving people fairly. The card works like a debit/ATM card. Funds are transferred digitally, and beneficiaries withdraw money without middlemen.

It is mainly designed for:

Widows
Persons with disabilities
Orphans
Extremely low-income families

What’s New in 2026?

Authorities have introduced improvements to make the system faster and more transparent:

✔️ ATM-enabled withdrawals
✔️ Digital CNIC verification
✔️ Quarterly payments
✔️ Priority inclusion of widows & disabled persons
✔️ Health coverage linkage with Sehat Sahulat Program

Eligibility Criteria for Khidmat Card 2026

To qualify, applicants must meet government rules.

Requirement	Details
Residency	Permanent resident of Punjab
CNIC	Valid and verified
Income	Less than Rs. 25,000 per month
Priority	Widows, orphans, disabled persons
Other Programs	Families in Benazir Income Support Programme or Ehsaas Program may also qualify

Documents Required

Keep these ready before applying:

Original CNIC
Family Registration Certificate
Income proof or affidavit
Disability certificate (if applicable)
Husband’s death certificate (for widows)

How to Apply for CM Khidmat Card in 2026

The process is straightforward.

Step 1 – Eligibility Check
Your data is reviewed through NADRA & PSPA records.

Step 2 – Apply
Submit the form online or visit your nearest Khidmat Markaz.

Step 3 – Provide Information
CNIC, income, family size, disability status.

Step 4 – Verification
Authorities confirm details digitally.

Step 5 – Card Collection
You receive an SMS once approved.

How to Check CM Khidmat Card Account Balance by CNIC

This is the part most beneficiaries ask about.

1) ATM Method

Insert card → Enter PIN → Balance Inquiry → Amount appears instantly.

2) SMS Alerts

You receive automatic messages for every payment and deduction.

3) Bank Helpline

Call the partner bank connected to your card.

Helpline & Support

If you face deduction issues, biometric problems, or delays:

📞 PSPA Helpline: 042-111-333-267
🏢 Visit the nearest Khidmat Markaz in your district.

Key Benefits of the Program

Beyond cash aid, the Khidmat Card opens doors to multiple protections.

Direct financial transfers
Free or subsidized treatment under Sehat Sahulat Program
Educational assistance for children
Skill development opportunities
Extra disability support

Problems People Still Face

Despite upgrades, some challenges continue:

Data mismatch with NADRA
Rural awareness gaps
Occasional online portal errors

Government teams are working to expand coverage and speed up verification.

FAQs

How do I check my balance?
ATM, SMS, or bank helpline.

Who qualifies in 2026?
Low-income Punjab residents, especially widows and disabled persons.

Can I apply online?
Yes, through the PSPA portal.

Is health coverage included?
Yes, via Sehat Sahulat.

Conclusion

The CM Khidmat Card system in 2026 is more digital, transparent, and user-friendly than before. With ATM access, SMS alerts, and centralized verification by the Punjab Social Protection Authority, beneficiaries can easily confirm payments and receive support without hassle.

If you are eligible, keeping your CNIC information accurate is the fastest way to ensure uninterrupted assistance.