Big Update: How to Withdraw Your Himmat Card Payment from ATMs

Himmat Card Payment from ATMs

The Himmat Card is a landmark welfare initiative launched by the Government of Punjab under the leadership of Maryam Nawaz Sharif. This program is specially designed for Persons with Disabilities (PWDs) who are non-wheelchair bound and need financial support to improve their quality of life.

Under this scheme, eligible beneficiaries receive a quarterly stipend directly through the Himmat Card. Once your payment is transferred, you can easily withdraw the amount using any Bank of Punjab ATM or other 1Link-supported ATMs across Pakistan.

In this complete guide, you will learn how to withdraw your Himmat Card payment safely and securely.

What Is the Himmat Card Program?

The Himmat Card Program is a social welfare initiative aimed at empowering disabled individuals by providing direct financial assistance every three months.

Main Objectives of the Program

• Provide financial independence to disabled citizens
• Support daily living expenses
• Ensure transparent payment distribution
• Promote digital banking inclusion

The stipend amount under the latest phase has been increased to PKR 10,500 per installment.

Understanding the Himmat Card Registration Process

Before withdrawing your payment, you must first complete the registration and verification process.

Eligibility Verification Through PSER

The Government of Punjab verifies applicants through the Punjab Socio-Economic Registry (PSER). Eligible individuals are then issued a Himmat Card through the Bank of Punjab.

Steps for Registration

Visit the Official PSER Portal

official portal: https://swd.punjab.gov.pk/Himmatcard

Submit Required Information

Applicants usually need:

• CNIC
• Disability certificate
• Mobile number
• Household information

Verification Process

After submission, your data is verified by the concerned authorities.

Card Issuance

Once approved, the Bank of Punjab issues your Himmat Card.

How to Withdraw Himmat Card Payment from an ATM

Withdrawing money through your Himmat Card is very similar to using a normal ATM card.

Follow these easy steps carefully.

Step 1: Visit a Bank of Punjab ATM

Go to the nearest ATM of the Bank of Punjab or any ATM that supports the 1Link network.

Using a Bank of Punjab ATM is recommended because it may help avoid additional transaction charges.

Step 2: Insert Your Himmat Card

Insert your card into the ATM card slot properly.

Wait for the ATM screen to load.

Step 3: Select Your Preferred Language

Choose your preferred language:

• English
• Urdu

Select the option that is easier for you to understand.

Step 4: Enter Your 4-Digit PIN

Use the keypad to enter your secret 4-digit PIN code.

Important Security Tip

• Never share your PIN with anyone
• Do not write the PIN on your card
• Cover the keypad while entering the PIN

Step 5: Select “Cash Withdrawal”

After entering your PIN, the ATM will show different transaction options.

Choose:

Cash Withdrawal

This option allows you to withdraw your stipend amount.

Step 6: Choose Account Type

Some ATMs may ask you to select an account type.

Usually, Himmat Cards are linked with:

• Savings Account
• Default Account

Select “Savings” if prompted.

Step 7: Enter Withdrawal Amount

Type the amount you want to withdraw.

Example:

• 10,500

Make sure your balance is sufficient before confirming.

Step 8: Collect Your Cash

The ATM will process your transaction and dispense the cash.

Carefully collect your money immediately.

Step 9: Take Your Receipt

It is highly recommended to print the transaction receipt.

Benefits of Keeping the Receipt

• Helps track remaining balance
• Keeps transaction record
• Useful in case of complaints

Step 10: Retrieve Your Card

Do not forget to take your ATM card before leaving the machine.

Many users accidentally leave their cards inside the ATM.

Quick Reference Details

Important Safety Tips for Beneficiaries

Using an ATM safely is extremely important.

Keep Your PIN Secret

Never share your ATM PIN with:

• Strangers
• Shopkeepers
• Helpers at ATMs

Check the ATM Machine Carefully

Before inserting your card:

• Check for suspicious devices
• Avoid damaged ATMs
• Use ATMs in secure locations

Monitor SMS Alerts

Always keep your registered mobile number active.

Banks usually send:

• Withdrawal alerts
• Balance updates
• Transaction confirmations

Avoid Help from Unknown People

If you face difficulty at the ATM, seek help only from official bank staff.

Do not trust random individuals near the ATM.

Common Problems and Their Solutions

ATM Did Not Dispense Cash

If cash is not received but the amount is deducted:

• Wait for a few minutes
• Check your balance
• Contact the bank helpline if needed

Usually, the amount is reversed automatically.

Incorrect PIN Entered

If you enter the wrong PIN multiple times, your card may be blocked temporarily.

Visit the nearest bank branch for assistance.

Card Damaged or Expired

If your card is damaged:

• Contact Bank of Punjab
• Request a replacement card

Frequently Asked Questions (FAQs)

Q1: What should I do if the ATM keeps my card?

Immediately contact the nearest Bank of Punjab branch or call the official helpline:

111-267-200

Request the bank to block your card and issue a replacement.

Q2: Can I use my Himmat Card at other banks’ ATMs?

Yes, the Himmat Card can be used at any ATM with the 1Link logo across Pakistan.

However, Bank of Punjab ATMs are preferred.

Q3: How can I check my Himmat Card balance?

You can check your balance by:

1. Visiting any ATM
2. Entering your PIN
3. Selecting “Balance Inquiry”

The ATM will display your remaining balance.

Final Words

The Himmat Card Program is an important initiative helping disabled individuals across Punjab receive financial support with dignity and ease. By understanding the ATM withdrawal process and following proper safety measures, beneficiaries can securely access their quarterly stipend without complications.

Always keep your card safe, protect your PIN, and use official banking channels for any assistance related to your Himmat Card payments.