Facing illegal BISP Wazifa deductions? Learn how to lodge a complaint, get a refund, and stop fraud. Complete 2025 guide to BISP payment issues and solutions.
The Benazir Income Support Programme (BISP) is a lifeline for millions of underprivileged families across Pakistan. Through regular Benazir Kafalat Wazifa (stipend) payments, the program ensures basic financial support to low-income households. However, over the years, one pressing issue has become more common — unjust deductions from the BISP payments by shopkeepers, agents, or retailers.
here dives deep into the causes of BISP Wazifa deductions, how beneficiaries can register complaints, and the official channels for resolution provided by the Government of Pakistan. Whether you’re a current beneficiary or guiding someone in need, this article provides an in-depth guide on handling such situations.
What Is BISP Wazifa Deduction?
BISP Wazifa deduction refers to unauthorized or illegal cuts made from the monthly stipend a beneficiary is entitled to. Instead of receiving the full amount (e.g., Rs. 9,000), recipients often report receiving less — sometimes Rs. 7,000 or even Rs. 6,000.
These deductions are often made by:
- Retailers of HBL Konnect or Bank Alfalah agents
- Mobile Wallet agents like JazzCash or EasyPaisa (if linked)
- Utility Store vendors disbursing Rashan subsidies
Such deductions are illegal and violate the transparency mandate of BISP.
Why Do BISP Wazifa Deduction Happen?
- Lack of Awareness
Many beneficiaries, especially in rural areas, are unaware of their full payment entitlement, allowing agents to take advantage. - Greedy Retailers
Some retailers take a portion of the Wazifa, assuming that poor families won’t protest or lodge a complaint. - Absence of Receipts
In many cases, beneficiaries are not given payment receipts, which makes it difficult to verify the transaction amount. - No Complaint Culture
Victims often avoid confrontation, believing complaints won’t lead to results. This encourages fraudulent practices. - Overcrowded Disbursement Centers
In busy payment centers, quick processing leads to beneficiaries being rushed without verifying the full amount.
What Should a Beneficiary Receive?
As of 2025, BISP beneficiaries under the Benazir Kafalat Program should receive:
- Rs. 9,000 every quarter
- Payment via HBL Konnect, Bank Alfalah, or Designated BISP Campsites
- Optional Utility Subsidy under the Ehsaas Rashan Riayat
Make sure you receive:
- Full amount without deductions
- A printed or SMS receipt
- Biometric verification confirmation
What to Do If BISP Payment Is Deducted?
If you or someone you know has experienced BISP Wazifa Deduction, take these immediate steps:
1. Collect Evidence
- Note the date and time of payment.
- Take a photo of the receipt or transaction slip (if available).
- Remember the name or location of the agent/retailer.
2. Lodge a Complaint at BISP Helpline
Call the BISP toll-free number: 0800-26477
Provide them:
- Your CNIC number
- Agent details (if known)
- Amount received vs. amount expected
- Any supporting evidence
3. File a Complaint Online
Visit the official BISP Complaint Portal at: 👉 https://bisp.gov.pk
Click on the “Complaints” section and fill the form with your complaint details, CNIC, and contact number. Attach photos if required.
4. Visit the Nearest BISP Office
Go to your nearest BISP Tehsil Office or District Office and submit your complaint in writing. Make sure to bring:
- Original CNIC
- Any payment slips or photos
- Details of the transaction
Ask for a complaint reference number.
BISP Complaint Tracking
Once a complaint is lodged:
- You’ll receive a Complaint ID for tracking.
- BISP representatives may call or visit for verification.
- If fraud is confirmed, the agent may be blacklisted, and your deducted amount may be refunded.
What Is the Government Doing About It?
The Government of Pakistan and BISP Secretariat have introduced several reforms to combat illegal deductions:
✅ Introduction of Biometric Verification
Now, payments are biometrically verified at the time of disbursement to avoid impersonation and fraud.
✅ SMS Notification Alerts
After payment, beneficiaries receive an SMS confirmation on their registered mobile number mentioning the exact amount disbursed.
✅ Strict Monitoring of Agents
Retailers and agents involved in unethical practices are being monitored. Many are fined, blacklisted, or banned from the program.
✅ Digital Complaint System
The online complaint registration portal helps in faster resolution and provides a traceable process.
✅ Awareness Campaigns
The government is running mass awareness campaigns on TV, radio, and social media platforms, urging people not to tolerate illegal cuts.
Tips to Avoid BISP Wazifa Deduction
- Always ask for the full payment – it is your legal right.
- Use official BISP Campsites instead of unknown retailers.
- Never sign or thumbprint before confirming the amount.
- Do not allow any third party to collect on your behalf.
- Encourage others to lodge complaints.
What If Complaint Is Not Resolved?
If your complaint is not resolved within 15 working days, escalate the issue to:
📍 Regional Director, BISP Headquarters
Sector F-Block, Pakistan Secretariat, Islamabad
📧 Email: info@bisp.gov.pk
Or contact the Prime Minister’s Citizen Portal to file an official grievance.
Success Stories
Many women have successfully reclaimed their deducted payments by simply reporting fraud. Here are a few examples:
- Sakina Bibi from Multan reported a deduction of Rs. 2,000. Within 12 days, the amount was re-deposited in her account, and the agent was blacklisted.
- Farzana from D.I. Khan received a follow-up call from BISP officers and was paid in full after filing an online complaint.
These stories show that the system does respond — but only if you speak up.
Final Words
The Benazir Income Support Programme was designed to protect the poor — not exploit them. If you are a BISP beneficiary, never let someone else rob you of your rightful Wazifa. Use the official complaint channels, keep your CNIC safe, and always verify your payments.
Remember: Awareness is power — share this information with your community and protect the rights of others as well.