BISP and HBL Launch Retail Payment Model for Women
A very important decision has been taken in a recent meeting between BISP and HBL Launch Retail Payment Model for Women which will directly benefit the women beneficiaries. Now the traditional camp model will be abolished and the installments will be paid under the retail model. So that the deserving women can get their money in a safe, dignified and comfortable environment, avoiding extreme heat, rush and humiliation. The aim of this decision is not only to pay the money but also to give respect and convenience to the women.
The meeting was attended by senior BISP officers and HBL representatives, where the problems faced in the third quarter were reviewed and effective planning was made for the fourth quarter. Dr. Tahir Noor gave clear instructions that drinking water, seating and shaded waiting areas should be provided at all retail centers. He also strictly said that any kind of illegal deduction or auto-withdrawal will not be tolerated and if any deserving woman’s money is deducted, a complaint should be filed immediately. The meeting also agreed to create a comprehensive complaint and monitoring system that will provide timely responses.
We requested for Women to contact only authorized and certified agents, carry their original ID cards, and immediately call the BISP helpline 0800-26477 in case of any suspicious activity. This new system has been designed with women’s convenience, safety, and privacy in mind and that is the main objective of this program.
Why BISP Shifted from Camps to Retail Outlets in 2025
The traditional camp-based payment method often caused long queues, exposure to heat, and discomfort for women beneficiaries. To address these challenges, BISP has decided to distribute the Q4 2025 payments through HBL’s wide retail network across Pakistan.
Dr. Muhammad Tahir Noor, Additional Secretary of BISP, chaired a detailed meeting with HBL officials at the Central Zonal Office in Karachi, where they finalized this new system. He emphasized that beneficiaries must be treated with dignity and transparency. He also instructed the bank to ensure drinking water, shaded waiting areas, and proper seating arrangements at all retail centers.
Who Was Present in the Official BISP-HBL Meeting?
The meeting was attended by:
- Dr. Muhammad Tahir Noor (Additional Secretary, BISP)
- Zulfiqar Ali Sheikh (Director General BISP Sindh)
- Muhammad Akram (Director BISP)
- Sheikh Umair Asad (Senior Product Manager, HBL)
- Samreen Shamsheer (Business Head, HBL)
- Allah Nawaz (Cluster Manager, HBL)
Together, they reviewed the technical and administrative challenges faced during the Q3 payments and designed a better system for Q4.
No More Unauthorized Deductions Strict Action Ordered
During the meeting, Dr. Tahir Noor clearly stated that unauthorized auto withdrawals any deduction made without the beneficiary’s consent will not be tolerated. He ordered HBL to implement a strict monitoring mechanism to detect and prevent such fraudulent activities.
If any shopkeeper or agent deducts your payment, you have the full right to lodge a complaint via:
- BISP Helpline: 0800-26477
- Nearest BISP Tehsil Office
- On-site Complaint Desk at Retail Outlet
What BISP and HBL Are Improving in the Q4 Payment Process
The following key points were discussed and agreed upon during the session:
- System readiness and uptime
- Real-time biometric verification improvement
- Ensuring cash availability at all retail outlets
- Fast complaint resolution system
- Live monitoring and reporting dashboard
- Seamless coordination between BISP & HBL teams
These steps are aimed at reducing delays, enhancing transparency, and building trust among women beneficiaries.
Also Read: BISP Payment Increase June 2025 Know Complete Schedule & Notification Details
What Should Women Beneficiaries Do Now?
To make sure you receive your Q4 installment without any issues:
- Keep your original CNIC with you when going to the HBL retail outlet
- Visit only authorized HBL agents listed on the BISP portal or provided SMS
- Make sure your SIM is active (registered during dynamic survey)
- Never share your CNIC or thumbprint with unauthorized people
- Immediately report if someone asks for cuts, bribes, or partial payments
Benefits of the New Retail Model for Women
- No more long queues in heatwaves
- More respectful & secure environment for women
- Access to water, waiting areas, and shaded spaces
- Clear receipts & biometric verification for every payment
- On-site support for complaints and inquiries
This model especially helps widows, rural women, elderly citizens, and those with children, as it removes the physical and emotional stress of crowded camps.
Also Read: BISP 17000 Payment Rahim Yar Khan – Check Your Eligibility and Get Full Payment Without Deduction
Final Words
The latest collaboration between BISP and HBL marks a powerful step forward in ensuring dignity, safety, and transparency for women beneficiaries across Pakistan. By replacing the outdated camp model with a more accessible and respectful retail payment system, the government is actively working to protect women from heat, crowds, and payment deductions. With proper seating, drinking water, biometric verification, and real-time complaint resolution systems in place.
This new model promises a smoother and more empowering experience. Every woman has the right to receive her full payment without hassle and this upgraded system ensures exactly that. Stay alert, know your rights, and make the most of this improved setup with confidence and respect.