Baitulmal, A Tool for Poverty Alleviation, A Myth or Reality

Through Individual Financial Assistance (IFA) the poor, widows, destitute women, orphans, and disabled persons are supported through general assistance, education, medical treatment, and rehabilitation. Currently, PBM is addressing 70,000 deserving beneficiaries throughout the country with an annual budget of Rs 1 billion. Since inspection (1992) an amount of Rs. 5887 (m) has been disbursed.


  • Fulfillment of immediate need of the poor
  • Medical treatment of major ailments and disabilities of the poor patients
  • Education stipends to deserving and brilliant poor students of educational and technical institutions in the Public Sector.
  • Economic empowerment through rehabilitation.

Eligibility Criteria:

  • Assistance is provided to the needy individuals on first come first basis having no support or source of income in the following order of priority:-
  • Individual with major ailments/disability;
  • Students with a proven and consistent track record of academic achievement;
  • Widows with dependent children;
  • Invalid with dependent children;
  • Infirm (Senior citizens above 65);
  • Poorest of the poor who are willing to go for rehabilitation within three months;
  • Orphans;
  • Destitute;
  • Victims of unpredictable circumstances.
  • A person having a monthly income up to Rs. 4,000/- or equivalent to the salary of Grade-I government employee will be treated as poor & is eligible for receiving financial assistance under IFA General & Rehabilitation. However due to escalation in the medicine prices/fee of govt. institutions, the criteria to determine the deserving status of the applicants seeking medical treatment and education stipends will be RS. 6,000/-
  • Note: False declaration or provision of wrong information may result in recoveries and permanent ineligibility or debar from all PBM schemes.


  • Govt. employees and their family members;
  • Beneficiaries of other social welfare agencies;

Salient Features:

Any individual can apply for general financial assistance once a year only.  Any of the two services i.e. (i) medical treatment (ii) general financial assistance (iii) education stipend and (iv) individual rehabilitation may be granted simultaneously within a period of one year to the same applicant.  However, general financial assistance and rehabilitation cannot be combined.


  • An application can be made for any component of financial assistance (i.e. general assistance, medical treatment, education or rehabilitation) on plain paper along with a          copy of C.N.I.C.
  • For the education stipend, the applicant is required to attach a copy of a certificate by the head of his educational institute.
  • The medical treatment is based on the estimate by the medical superintendent of the government hospital where the patient is admitted
  • The concerned Investigation Officer of PBM verifies the genuineness of the applicant and gives his recommendations
  • After approval of the case by the relevant authorities a crossed cheque is sent in the name  of the beneficiary in the cases of general financial assistance and rehabilitation; to hospitals and educational institutions in the cases of medical treatment and education stipends

Financial Ceiling:

Categories                       (Amount)             Remitted to

General Assistance            60,000                   Applicant

Medical Treatment            600,000                 Hospital

Education                           60,000                     Educational Institutes

Rehabilitation                     40,000                    Applicant

Vocational /Dastkari Schools (VDSs) and Diversified Vocational /Dastkari Schools (DVDSs):

Vocational/Dastkari Schools have been established throughout the country including Azad Kashmir & Gilgit Baltistan since 1995.  These schools are providing free training to widows, orphans & poor girls in different skills i.e. Drafting, Cutting, Sewing, Knitting, and Hand & Machine Embroidery. PBM planned to have at least one Vocational Dastkari School in each district. Current strength of these schools is 157 (Punjab – 64, Sindh – 30, Khyber Pakhtunkhawa + FATA – 32, Baluchistan -18 & ICT/AJK/ N. Areas -11). Low-income groups of women/girls are trained in two shifts of 60 trainees, bi-annually. Presently 8000 trainees are benefiting from training in these schools, whereas 59897 trainees have been passed out. Rs .925(m) are allocated yearly for one school. 15 (Punjab – 6, Sindh- 3, Khyber Pakhtunkhawa + FATA- 1 Baluchistan – 2 & ICT/AJK/ N. Areas – 2) have been diversified, where training is added in Computer, use of Office Equipments like Fax, Photocopiers, Printers, Interior Decoration, Beautician, Cooking, Fishing Tie & Dye and Glass Painting, etc, according to the requirement of the area.  Rs. 3(m) has been allocated for such a school. Local skills are also being imparted in these schools. Since inspection an amount of Rs. 504.9419 (m) has been utilized.

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