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Ehsaas Saving Wallet Program 2024

Ehsaas Saving Wallet Program: Pakistan grapples with a significant poverty rate, with 30% of its population residing below the poverty line. Those in underprivileged regions encounter difficulties in accessing formal financial services, leading to restricted choices for savings, transactions, and financial stability. Women, in particular, frequently confront challenges when trying to access and manage financial resources.

Considering these factors, the Pakistani government has initiated the Ehsaas Program intending to mitigate poverty. The introduction of Ehsaas Savings Wallets under this initiative is a proactive measure to address these issues, particularly targeting women facing financial constraints and life challenges.


Former Prime Minister Imran Khan, known for his compassionate nature and deep concern for the well-being of the people of Pakistan, initiated a significant program called the "Ehsaas Saving Wallets." He unveiled this program in Islamabad on a Monday in 2019, specifically targeting 7 million economically disadvantaged women. The initiative primarily focuses on those who are enrolled in the Ehsaas Kafalat program.

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At the inauguration ceremony, Prime Minister Imran Khan toured an Ehsaas Kafalat payment site, where the official introduction of Ehsaas Savings Wallets (Ehsaas Bachat Accounts) took place. His attendance not only represented political dedication but also demonstrated his genuine concern for the well-being of the people.

Before the inception of this impactful initiative, Dr. Sania Nishtar, the Special Assistant to the Prime Minister on Social Security and Poverty Alleviation, has been a guiding force. Renowned for her expertise in social security and poverty alleviation, she adeptly crafted these programs. Her leadership not only plays a pivotal role in the triumph of the Ehsaas Savings Wallets Program but also reinforces the government's dedication to improving lives.

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If you are a recipient of the Ehsaas Kafalat Program and would like to initiate the opening of an Ehsaas Saving Wallet, the procedure has been streamlined. Follow these steps:

Visit the Bank When you go to the bank to process your Kafalat stipend, inquire about initiating the establishment of a new Ehsaas Saving Wallet account.

Provide Basic Information The bank staff will request fundamental information, such as your name, CNIC (Computerized National Identity Card) number, and contact details.

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Complete the Process Upon furnishing the necessary information, the bank will facilitate the setup of your new Ehsaas Saving Wallet account.

Receive Account Details You will receive the essential account details along with instructions on how to access and utilize your Wallet.

Access Financial Services Your account can be utilized for a variety of financial transactions, including receiving your Kafalat stipend, making withdrawals, saving money, and engaging in other financial activities.

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Program Financial Services

This program doesn't focus solely on providing a secure place for saving money; instead, its primary goal is to empower beneficiaries with a comprehensive financial guide.

Checking Balances

Beneficiaries can effortlessly monitor their savings wallet balance, staying updated on their financial resources at all times.

Deposits and Withdrawals

The capability to deposit and withdraw cash via these wallets offers unparalleled convenience. Beneficiaries can manage their cash grants and other financial transactions directly from their wallets.

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Transferring Funds from Ehsaas Kafaalat to Mobile Accounts

This feature simplifies the process of transferring funds from the Kafaalat program to mobile accounts linked to the Ehsaas Saving Wallets.

Mobile Recharge

The Wallet allows beneficiaries to recharge their mobile phone credits directly through the wallet.

Utility Bill Payments

The convenience of paying utility bills through the wallet empowers beneficiaries to efficiently manage their household expenses.

Money Transfers

Beneficiaries can easily transfer money to other individuals or accounts through their Ehsaas Savings Wallet.

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The Ehsaas Savings Wallets were crafted to provide an accessible, user-friendly, and secure digital solution.

  • Their purpose is to empower marginalized areas, particularly women, by providing a convenient financial transaction platform.
  • The goal is to alleviate delays and inefficiencies in delivering assistance to those in need. The wallets offer a range of banking services to individuals who previously had limited access to formal financial institutions.
  • Additionally, the program aims to promote financial literacy and responsible financial behavior among beneficiaries, creating numerous opportunities for economic empowerment.
  • This savings wallet initiative was established to address societal challenges related to poverty, financial exclusion, and gender disparities in Pakistan.
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For the numerous recipients of Kafaalat in Pakistan, the receipt of essential cash grants has served as crucial support amid economic challenges. Recently, these grants were distributed through Limited Mandate Accounts (LMA) following biometric verification. However, the introduction of the 'Ehsaas Saving Wallets' program marks a significant improvement in the financial services provided to these beneficiaries.

The strength of this initiative lies in its simplicity and continuity. Instead of replacing the existing LMA accounts, Ehsaas Saving Wallets are seamlessly integrated with these accounts. This means that Kafaalat beneficiaries can continue to receive their cash grants as they did before but with greater precision.

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Ehsaas Saving Wallets serve as supportive companions for those who require assistance the most. These wallets simplify the process of saving funds, settling bills, and even recharging your phone. Integral to the Bisp 8171 Ehsaas program, these wallets contribute to the overarching goal of aiding individuals and alleviating poverty in Pakistan. With backing from influential figures such as Prime Minister Imran Khan and experts like Dr. Sania Nishtar, this initiative is significantly improving the quality of life for many. It serves as a testament to the fact that even modest changes can yield substantial positive effects.

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