Two big schemes, one confusing choice. The Livestock Card gives you an interest-free loan for animal feed; the Asset Transfer Scheme gives you a free buffalo or cow. This 2026 guide explains the differences clearly so you pick the scheme that fits your situation.
Detail
Information
Feature
Livestock Card vs Asset Transfer Scheme
Livestock Card
Interest-free loan for feed and inputs
Asset Transfer
Free buffalo or cow for poor families
Year
2026
Livestock Card Explained Briefly
The Livestock Card is a bank card loaded with an interest-free loan:
What you get: Credit to buy wanda, feed, silage and minerals
Repayment: You repay the loan after selling fattened animals
Who it suits: Farmers who already own animals and want to fatten them
The Asset Transfer Scheme gives animals, not loans:
What you get: A free buffalo or cow transferred to your name
Repayment: Nothing — the animal is yours to keep
Who it suits: Poor, landless and widowed families with no livestock
Extra benefits: Free training on animal care and free initial vaccination
Side-by-Side Comparison
Point
Livestock Card
Asset Transfer Scheme
You receive
Interest-free loan
Free animal
Repay?
Yes, after sale
No
Must own animals?
Yes
No — for families without animals
Main benefit
Cheaper fattening, better sale price
New income source from milk
How to apply
8070 SMS or online portal
District livestock office survey
Which Scheme Is Right for You
Own animals already? Take the Livestock Card — fatten and sell for profit
No animals at all? The Asset Transfer Scheme is made for you
Poor widow or landless? Asset Transfer gives you a free buffalo
Want both? Ask the helpline — some families qualify for both in sequence
Contact Detail
Information
Helpline
0800-09211 (24/7, toll-free)
Livestock Card SMS
8070
Asset Transfer
Apply via district livestock office
Department
Livestock & Dairy Development Department, Government of Punjab
Conclusion
Loan or free animal — both schemes fight poverty, but they serve different farmers. If you own livestock, the card multiplies your profit. If you own nothing, the Asset Transfer Scheme hands you a livelihood. Choose honestly, apply quickly.
FAQs
What is the difference between the Livestock Card and Asset Transfer Scheme?
The Livestock Card is an interest-free loan for farmers who own animals; the Asset Transfer Scheme gives a free buffalo or cow to poor families with no livestock.
Do I repay the Asset Transfer animal?
No. The animal is transferred to you permanently.
Can I apply for both?
Some families qualify for both in sequence — confirm with the helpline 0800-09211.
Which is better for a poor widow?
The Asset Transfer Scheme — it provides a free animal with no repayment.
Shahzad Sahil is the editor of plcpunjab.pk, covering Punjab government schemes including the Livestock Card, eligibility, registration and latest updates, with information verified from official sources for readers across Punjab.
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