How to use the BISP payment calculator
- Kafaalat: leave the box ticked if your household is an active Benazir Kafaalat beneficiary. Not sure? Do the 8171 check by CNIC first.
- Children in school: press + for each boy and girl at primary (Class 1–5), secondary (Class 6–10) or higher secondary (Class 11–12) level who is enrolled in Taleemi Wazaif.
- Mother and baby: add a pregnant woman, or a boy or girl under two, enrolled in Benazir Nashonuma.
- Read your quarterly and yearly totals, and the breakdown by programme underneath.
Amounts used in this calculator
| Programme | Who | Per quarter |
|---|---|---|
| Benazir Kafaalat | Woman of an eligible household | Rs 14,500 |
| Taleemi Wazaif, primary | Boy / girl | Rs 1,500 / Rs 2,000 |
| Taleemi Wazaif, secondary | Boy / girl | Rs 2,500 / Rs 3,000 |
| Taleemi Wazaif, higher secondary | Boy / girl | Rs 3,500 / Rs 4,000 |
| Nashonuma | Pregnant woman | Rs 3,500 |
| Nashonuma | Boy under 2 / girl under 2 | Rs 3,500 / Rs 4,000 |
Kafaalat is the amount in BISP's press release of 10 March 2026. Taleemi Wazaif and Nashonuma rates are taken from BISP's programme pages (checked November 2026). Girls also receive a one-time Rs 3,000 Taleemi Wazaif bonus on completing primary school, which is not included in the quarterly total.
Worked examples
Example 1: Kafaalat only. Rs 14,500 per quarter, which is Rs 58,000 a year.
Example 2: Kafaalat + two children in school. A girl in Class 4 (Rs 2,000) and a boy in Class 8 (Rs 2,500) add Rs 4,500. The total is Rs 19,000 per quarter, or Rs 76,000 a year.
Example 3: Kafaalat + baby girl + child in school. Kafaalat Rs 14,500, a girl under two in Nashonuma Rs 4,000 and a boy in Class 2 Rs 1,500 make Rs 20,000 per quarter, or Rs 80,000 a year.
Why your real payment may differ
- Conditions: Taleemi Wazaif needs at least 70% school attendance each quarter, and Nashonuma needs health check-ups, vaccinations and growth monitoring. A missed condition means that stipend is not paid for the quarter.
- Timing: stipends can be credited separately from Kafaalat. Read when the next qist comes.
- Rate changes: amounts change with government budgets. The government has spoken of raising Kafaalat to Rs 18,000 per quarter from January 2027. We will update the calculator when BISP confirms it.
- Deductions: you should receive the full amount. If anyone deducts money, see how to complain.
Frequently asked questions
How much money does BISP give per year?
A household on Benazir Kafaalat alone receives Rs 58,000 a year (Rs 14,500 per quarter). Families with children in school or a baby under two can receive more through Taleemi Wazaif and Nashonuma.
Does this calculator check if I am eligible?
No. It estimates amounts only. Eligibility is decided by BISP. Check your status through the 8171 portal or by SMS to 8171.
Are Taleemi Wazaif and Nashonuma paid with Kafaalat?
They are paid to the same beneficiary's BISP digital wallet, but they depend on conditions, so they can arrive at different times.
Is the calculator updated for 2026?
Yes. It uses the Rs 14,500 Kafaalat amount announced in March 2026 and the stipend rates on BISP's programme pages as checked in November 2026.
Last reviewed 10 Nov 2026 by the Haqdaar editorial team against bisp.gov.pk and BISP press releases.
Haqdaar is an independent guide, not BISP. This tool gives an estimate or a warning only. Confirm with the official helpline 0800-26477 or 8171.bisp.gov.pk.
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