A new method of disbursing government assistance money is being introduced in Pakistan from August 13, 2025. The Sahulat Account Payment System is being implemented in selected districts under the Benazir Income Support Program (BISP).

Now, needy women will receive money directly into their specific bank accounts, making the payment fast, safe, and hassle-free. This means they will no longer need to rely on cash centers or middlemen.

This initiative is part of Pakistan’s digital development and efforts to promote financial inclusion for women.

On August 13, 2025, Pakistan marked a historic step toward financial inclusion and digital innovation with the official launch of the Sahulat Account Payment System. Developed under the guidance of the State Bank of Pakistan (SBP) and in collaboration with leading financial institutions, this system is designed to revolutionize payments, provide easy access to financial services, and empower millions of Pakistanis who have traditionally been excluded from the banking sector.

The Sahulat Account Payment System is not just another banking product—it is a nationwide payment solution aimed at bridging the gap between cash-based transactions and a modern digital economy. With features that ensure simplicity, transparency, and accessibility, it promises to change the way individuals, small businesses, and government entities handle money.

What is the Sahulat Account Payment System?

The Sahulat Account Payment System is a digitally enabled financial platform introduced to provide Pakistanis with secure, convenient, and affordable access to banking services. It allows citizens to open accounts with minimal documentation, make digital payments, receive funds, and even access government subsidies or welfare programs directly.

Key features include:

• ✅ Simplified account opening with minimal requirements
• ✅ Mobile-based access for urban and rural populations
• ✅ Integration with CNIC-based verification
• ✅ Zero or low fees for transactions
• ✅ Government subsidy disbursement integration
• ✅ Inter-bank fund transfer capabilities

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The Role of the State Bank of Pakistan For Sahulat Account Payment System

The State Bank of Pakistan (SBP) has been working tirelessly over the past decade to enhance financial inclusion and bring more people into the formal economy. The launch of the Sahulat Account Payment System is part of SBP’s broader strategy to:

• Expand branchless banking networks
• Encourage digital wallets and QR code payments
• Strengthen cybersecurity in digital transactions
• Integrate FinTech companies into the payment ecosystem
• Reduce reliance on cash-based transactions
• .

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Benefits of the Sahulat Account Payment System

The introduction of this system is expected to deliver numerous economic and social benefits:

1. Financial Inclusion for All

Millions of unbanked Pakistanis—especially those in rural areas—will now have access to formal banking services. This will enable them to save money, receive payments, and build financial security.

2. Empowerment of Women

Historically, women in Pakistan have faced barriers in accessing financial services. The Sahulat Account provides them with a simple way to manage funds, receive remittances, and participate in economic activities independently.

3. Boost to Digital Economy

With more people using mobile banking, online transfers, and digital wallets, Pakistan’s digital economy is expected to grow rapidly. This aligns with the government’s vision of transforming the country into a cashless society.

4. Transparency and Reduced Corruption

By channeling government subsidies, pensions, and welfare benefits directly through Sahulat Accounts, the risk of corruption, fraud, and middlemen exploitation will be significantly reduced.

5. Support for Small Businesses

Small traders and shopkeepers can now accept digital payments easily, reducing their dependency on cash and allowing them to tap into new markets.

How to Open a Sahulat Account

📝 Step	✅ Requirement / Action	📌 Details
🆔 CNIC	Valid CNIC (Computerized National Identity Card)	Must be original and not expired
📱 Mobile	Active Mobile Number	Used for verification and SMS alerts
📄 Docs	Minimal Documentation	Only basic KYC form required
🏦 Visit	Bank Branch / Authorized Agent	Go to nearest bank or SBP-authorized agent
✋ Verify	Biometric Verification	CNIC thumb impression verification
🖊️ Form	Complete Short Form	Fill in basic details (Name, CNIC, Phone)
⚡ Activate	Instant Account Activation	Account ready to use immediately

Apply Now : Official BISP 8171 Portal

Integration with Government Programs

One of the most significant aspects of the Sahulat Account Payment System is its integration with government programs such as:

• Ehsaas Program
• BISP (Benazir Income Support Programme)
• Subsidy Disbursements
• Educational Scholarships
• Pension Payments

Challenges and Future Roadmap

⚠️ Challenge	📌 Description	🛠️ Planned Solution
📚 Digital Literacy	Many rural citizens lack awareness of digital banking tools	🗣️ Launch awareness and training campaigns
🌐 Internet Access	Remote areas still face weak or no connectivity	📡 Invest in digital & telecom infrastructure
🔒 Cybersecurity Risks	Threats of fraud, hacking, and data misuse	🛡️ Strengthen data protection & cybersecurity laws
🛍️ Small Business Adoption	Some traders hesitate to adopt digital payments	🎁 Provide incentives & support for merchants

Conclusion

The official launch of the Sahulat Account Payment System on August 13, 2025, is more than just a financial reform—it is a national transformation. By offering secure, transparent, and inclusive financial access, the system is expected to uplift millions of Pakistanis, empower small businesses, reduce corruption, and accelerate the shift toward a cashless digital economy.

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