List of Active Clusters Starting Monday

The Benazir Income Support Programme (BISP) continues to serve millions of deserving families across Pakistan in 2025. One of the most important updates in this year’s payment system is the introduction of the HBL Clusters system. Through this method, BISP and Habib Bank Limited (HBL) are working together to make the cash distribution process smooth, secure, and easier for beneficiaries.

What Is the HBL Clusters System?

The HBL Clusters system is a new way of organizing BISP payments by dividing regions into clusters. Each cluster covers a specific group of areas such as districts or tehsils. Every cluster has its own payment schedule, so people from different areas do not have to wait in long lines or crowd payment centers at the same time. This method also helps in avoiding delays and confusion.

Why the HBL Cluster System Matters in 2025

In 2025, BISP is focused on better delivery of services. The cluster-based method offers many advantages:

Reduces crowding at payment centers
Ensures safer and more scheduled payments
Speeds up processing and identity verification
Improves transparency and reduces chances of corruption

Through this system, people get payments in an organized way, which saves time and trouble.

How Does the Cluster Payment System Work?

BISP and HBL divide Pakistan into several clusters. Each beneficiary is assigned a cluster based on their home location. Once the payment date arrives, the beneficiary receives an SMS from 8171 with details like:

Your Cluster ID
Your Payment Date
The Location of your payment center (HBL POS, ATM, or camp)

This message helps you know when and where to collect your cash.

What Are HBL Clusters?

HBL Clusters are area-based zones created to handle BISP payments. Each cluster includes:

A district or a group of tehsils
Payment facilities like HBL ATMs, agents, or special camps
A unique Cluster Code that helps in managing schedules

This system supports efficient payment to millions of poor families without delays.

How to Check Your HBL Cluster and Payment Schedule in 2025

You can check your payment schedule and cluster through two simple methods:

Method 1: SMS

Send your 13-digit CNIC number to 8171
You will receive a reply with:
- Your Cluster ID
- Your Payment Date
- The Collection Point Address

Method 2: Online Through BISP Website

Visit the official site: https://www.bisp.gov.pk
Go to the “Beneficiary Information” section
Enter your CNIC to get your latest cluster and payment details

BISP 2025 Payment Details

As of May 2025, under the Benazir Kafalat Program, eligible families are receiving:

Rs. 13,500 quarterly financial support
Additional funds under the Taleemi Wazaif program for school-going children

You can collect your payments from:

HBL ATMs
HBL POS Agents
Official BISP Camps

Here are the details of some HBL clusters that will start disbursing payments from Monday:

Cluster 7

Jizkish
Sajawal
Tando Muhammad Khan
Tando Allahyar
Hyderabad
Kharan
Chaghai
Rahim Yar Khan
Malakand

Cluster 11

Al Falah
Kashmore
Lehri
Dera Bugti
Kohlo
Kark
Lahore
Hafizabad
Khanewal

Cluster 14

Telenor
Sukkur
Khuzdar
Vishk
Kohat
Muzaffargarh
Poonch
Sadanhoti
Bagh
Kharmang
Ganch
Damir

Final Words

The HBL Cluster system is a big step towards improving BISP’s payment process. It ensures every family receives their money on time, in a secure and transparent way. If you’re a BISP beneficiary, keep your CNIC active and always check messages from 8171. Follow the cluster schedule, and don’t go to centers without confirmation.

Stay updated by visiting the official BISP website, and if you face issues, contact the nearest BISP office or helpline.

List of Active Clusters Starting Monday | HBL Clusters BISP Payment Schedule 2025

Table of Contents