Branchless Banking


In 2010, Pakistan was faced with catastrophic monsoon floods in the country’s history, affecting over 20 million people by means of destruction of livelihood, property and infrastructure. In response to the crisis, the Government of Pakistan set up the Citizen’s Damage Compensation (CDCP) in collaboration with the provincial governments and the private sector to support affectee’s in recovery efforts. Bank Alfalah Limited has been selected as one of the partners for two key G2P projects, namely, Watan Card Programme and the Benazir Income Support Program (BISP). In phase I, BAL disbursed Rs. 20,000 each to nearly 108,000 families. For this effort, BAL issued VISA debit cards, called Watan Cards, to beneficiaries identified by NADRA and GoP. BAL created 18 centres in Punjab and Gilgit-Baltistan provinces to disburse Cards and Cash to affected persons. Phase II of this project constitutes a disbursement of Rs. 40,000 per beneficiary in two transactions as and when notified by NADRA/GoP. A total disbursement of Rs.1,597.12 million, as of November 2012, has been expended in districts of Gilgit, Hunza, Skardu, Jhang, Khushab, Sargodha, Multan and Rahim Yar Khan.

In February 2012, the Government of Pakistan initiated the Benazir Income Support Program, in order to provide basic financial assistance to about 7 million poorest families countrywide. Approximately 900,000 beneficiaries have been allocated to BAL by BoP, to distribute Rs. 1000 per month to the lead female of the selected family on a quarterly basis.

In accordance with BISP specifications, the printed Benazir Card is programmed as such to be accepted at any 1-Link ATM across the country and can be used at POS machines. As mandated by BISP, the Bank has developed its staff for distribution of cards at the designated distribution centers.

For Bank Alfalah, the experience has been more than a meagre business enterprise: our BB field teams have reported remarkable stories of survival, built new relationships and great memoirs during their stay at the campsites. Consequently, these efforts help us grow as an organization and inspire us to service the under-banked segments with low cost formal financial services.

To find more details on Benazir Income Support Program and to search for payment details etc. kindly visit

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