BISP SIM lost stolen payment problems start the moment a beneficiary loses the phone or SIM that carries her BISP messages and wallet. This guide explains, in plain steps, how to block the lost SIM, get a duplicate SIM in your own name, re-verify with BISP, and get your payment back. It applies to a SIM that was already in your own name.
Quick overview
| Item | Detail |
|---|---|
| Programme | Benazir Kafaalat, Benazir Income Support Programme (BISP) |
| Payment this quarter | Rs. 14,500 per quarter, October to December 2026 |
| Next announced amount | Rs. 18,000 per quarter from January 2027 |
| Who this guide is for | A woman beneficiary whose own-name SIM is lost or stolen |
| First step | Block the SIM at once through your network |
| Second step | Get a duplicate SIM on the same number from the franchise |
| Third step | Re-verify at the Tehsil Office and check on 8171 |
| Check method | SMS your CNIC to 8171, or visit 8171.bisp.gov.pk |
| Helpline | 0800-26477 (toll free) |
| BISP services | Free, never pay an agent for them |
Latest update
BISP now pays through a digital wallet linked to a SIM in the beneficiary’s own name, so a lost SIM can stop your 8171 messages and wallet access. The payment itself is tied to your CNIC and BISP record, not to the plastic card, so blocking the old SIM and getting a duplicate on the same number leaves your record unchanged.
The wallet and SIM registration deadline is December 31, 2026, so block, replace, and visit the Tehsil Office the same week.
Who this guide applies to
This guide is for an eligible Kafaalat beneficiary whose lost or stolen SIM was registered on her own CNIC, who holds an original valid CNIC, and who can visit the network franchise in person for a fingerprint check.
It does not apply the same way if the SIM was in a husband’s, son’s, or another relative’s name. Read the related guide on a SIM registered in someone else’s name to fix that separate problem.
Payment and benefit table
| Quarter | Amount | Status |
|---|---|---|
| October to December 2026 | Rs. 14,500 | Current quarter |
| January to March 2027 | Rs. 18,000 | Announced, starts January 2027 |
| Wallet cash withdrawal | Rs. 280 charge | Per cash withdrawal from the wallet |
| Wallet transfer by RAAST | Free | No charge for RAAST transfer |
Losing your SIM does not cancel eligibility; it breaks the BISP-phone link. Fix the link and the payment route opens again.
Important dates
| Event | Date or detail |
|---|---|
| Current quarter | October to December 2026 |
| Wallet and SIM registration deadline | December 31, 2026 |
| Next payment increase | January 2027, Rs. 18,000 per quarter |
| Time to block a lost SIM | At once, and within 24 hours at the latest under operator terms |
| BISP re-verification after duplicate SIM | As soon as the new SIM is active |
BISP has not published a fixed number of days for restoring a payment after a lost SIM is replaced. That processing time is Not officially announced.
How to restore your payment: numbered steps
Step 1: Block the lost SIM at once
Use a family member’s phone and call your network helpline: Jazz *8822# or 111, Zong 310 or 051-111-222-111, Ufone 333 or 033-11-333-100, Telenor 345. Ask them to block the SIM, not close the number. Blocking stops the old card at once, while the number stays in your name so you can get it back.
Keep the reference number they give you. If the phone itself was stolen, also report it to the police and ask PTA about IMEI blocking on 0800-55055.
Step 2: Get a duplicate SIM in your own name
Go to your network’s franchise in person with your original CNIC. Only the person whose CNIC the SIM is registered on can collect it, after a thumb impression checked against NADRA records. A photocopy is not enough.
Ask for a duplicate SIM on your old number, not a new number. Your old number returns on a new card, and the lost card stays dead even if someone finds it. Jazz’s operator pages list a duplicate SIM at Rs. 550, and Zong’s list Rs. 400. Confirm the charge at the counter, since charges can change. The Telenor and Ufone duplicate fee is Not officially announced, so ask at the franchise and keep the receipt.
Step 3: Re-verify with BISP
Once the duplicate SIM is active, visit your nearest BISP Tehsil Office with your original CNIC. Tell the staff that your SIM was lost, that you have blocked it, and that you now hold a duplicate SIM on the same number in your own name. Ask them to confirm that your mobile number in the BISP record matches the restored number.
If your fingerprints fail at any counter, read our guide on fixing a fingerprint verification failure before your next visit. A failed thumbprint is often a NADRA record issue, not a BISP refusal.
Step 4: Check your payment on 8171
After re-verification, send your 13-digit CNIC by SMS to 8171 from the restored SIM, or enter it on 8171.bisp.gov.pk. Wait for the reply before travelling to collect. Count the full Rs. 14,500 at the counter. Wallet cash withdrawal carries a Rs. 280 charge, while RAAST transfer is free.
For the wider wallet rules, see the Benazir SIM and digital wallet guide and the wallet transfer guide for RAAST, JazzCash and Easypaisa.
Required documents
- Original, valid CNIC of the beneficiary, who must attend in person
- The lost mobile number and network name (Jazz, Zong, Telenor, or Ufone)
- The SIM block reference number, if one was given
- Police report copy, only if the phone was stolen and reported
- Any BISP SMS or payment slip that helps staff find your record
Verification and payment process stages
- Block: the network blocks the lost SIM, and the number stays registered in your name.
- Duplicate: the franchise checks your CNIC and thumbprint, then issues a new SIM on the same number.
- Activation: the new SIM starts working, and the old SIM can never be used again.
- BISP record check: Tehsil Office staff confirm your number and re-verify your record.
- 8171 check: you send your CNIC to 8171 or check the portal, and the reply shows your payment status.
- Collection: you collect the payment with biometric verification and count it in full.
Why you must not buy a new SIM in another person’s name
When your own SIM is lost, many families try buying a fresh SIM in a son’s or husband’s name and handing it to the beneficiary. Do not do this. BISP’s wallet system needs a SIM in the beneficiary’s own name, matched to her CNIC. A SIM in another person’s name will not fix the record, and it creates a second problem like the SIM-not-in-own-name case.
A duplicate SIM on your old number is the correct fix, because nothing in the BISP record needs to change. If you already took a SIM in someone else’s name, stop using it for BISP and get your own duplicate SIM.
What to do if a payment was collected while the SIM was missing
If a payment reached your wallet while your SIM was missing, and someone else withdrew it, act on two tracks at once.
First, file a complaint at the BISP Tehsil Office and on 0800-26477, giving your CNIC, the lost number, and the block and duplicate dates, and ask for the complaint number in writing. Second, report the misuse to your network and, if the phone was stolen, to the police.
Whether the taken amount can be recovered is Not officially announced by BISP as a fixed rule. Do not pay anyone who claims they can recover it for a fee. Our BISP complaint registration guide explains how to file and follow up.
Common problems and fixes
| Problem | Real cause | Exact fix |
|---|---|---|
| No 8171 SMS after duplicate SIM | New SIM not yet active, or BISP record not updated | Wait for activation, send CNIC to 8171 again; visit the Tehsil Office if it still fails |
| Franchise refuses the duplicate SIM | The person at the counter is not the CNIC owner | Only the registered owner, with original CNIC and thumbprint, can collect it |
| Thumbprint fails at the franchise | Worn prints or a NADRA record mismatch | Clean and dry your hands, try another finger, then visit NADRA |
| Payment shows ready but wallet will not open | Wallet not yet linked to the restored SIM | Visit the Tehsil Office and ask staff to confirm the wallet link |
| Someone took money while the SIM was missing | The old SIM was not blocked in time | Block at once, file a BISP complaint and a police report, keep all reference numbers |
| Helpline asks for a fee | That caller is not BISP | Hang up, BISP services are free, and real SMS come only from 8171 |
Fraud warning
Real BISP messages come only from 8171. Every BISP service is free. Never pay an agent, a shopkeeper, or a person who messages you privately, and never share your wallet PIN or any OTP code with anyone, including someone who claims to be from BISP or your network.
A lost SIM is a fraud risk in itself, since whoever holds it may try to read your messages or reset accounts. That is why blocking comes first. If a stranger asks for your CNIC number, PIN, or a code sent to your phone, end the call and report the number on 0800-26477.
Tips for beneficiaries
- Keep your mobile number and network name written on a card at home.
- Block the SIM the same day. Every hour the old SIM stays live is an hour someone else could use it.
- Always ask for a duplicate on the same number, never a brand new number.
- Keep the franchise receipt and block reference until your next payment arrives.
- After activation, send your CNIC to 8171 yourself and save the reply.
- Check the SIMs on your CNIC by sending your CNIC to 668, and disown any number you do not recognise.
Frequently asked questions
1. Will I lose my BISP payment if my SIM is lost or stolen?
No, losing the SIM does not cancel your eligibility or erase your BISP record. Your payment is linked to your CNIC, not to the plastic card. Block the old SIM, get a duplicate on the same number, re-verify at the Tehsil Office, and check on 8171 before collecting.
2. What is the first thing I must do when my SIM goes missing?
Block the SIM at once through your network helpline, using a family member’s phone. On Jazz, dial *8822# or call 111. Blocking stops anyone from using the old card, while the number stays in your name for a duplicate SIM later.
3. How do I get a duplicate SIM on the same number?
Visit your network franchise in person with your original CNIC and give your thumbprint for biometric verification. Ask for a duplicate SIM on your old number. The old card then stops working for good, and your number, messages, and BISP link return on the new card.
4. Can my son or husband collect the duplicate SIM for me?
No, only the person whose CNIC the SIM is registered on can collect it. The franchise must match your thumbprint to NADRA records in person. If someone else goes, staff will refuse, even with your CNIC in hand, so attend yourself.
5. How much does a duplicate SIM cost in Pakistan?
Jazz lists Rs. 550 and Zong lists Rs. 400 on their operator pages, but charges can change, so confirm the fee at the franchise counter before paying. The duplicate SIM fee for Telenor and Ufone is Not officially announced on their public pages, so ask there and keep your receipt.
6. Do I need to visit the BISP office after getting a duplicate SIM?
Yes, visit the nearest BISP Tehsil Office with your original CNIC and ask staff to confirm that your restored number matches your BISP record. This re-verification step clears doubts about your wallet link, and it is the safest way to confirm your payment route is open again.
7. What if a payment was taken while my SIM was missing?
File a BISP complaint at the Tehsil Office and on 0800-26477 at once, with your CNIC, block date, and duplicate SIM date. Report the theft to the police if the phone was stolen. Whether the amount can be recovered is Not officially announced as a fixed rule, so never pay anyone promising recovery.
8. Can I just buy a new SIM in my husband’s name instead?
No, that creates a second problem instead of fixing the first. BISP’s wallet needs a SIM in the beneficiary’s own name, matched to her CNIC. A SIM in another person’s name will not restore your payment route, so always get a duplicate SIM on your own number.
9. How do I check my payment after the duplicate SIM is active?
Send your 13-digit CNIC number by SMS to 8171 from the restored SIM, or enter it on 8171.bisp.gov.pk. Wait for the official reply before travelling to collect. If it says the payment is ready, collect it with biometric verification and count the full Rs. 14,500.
Conclusion
BISP SIM lost stolen payment trouble is fixable, and the order matters: block the SIM first, get a duplicate in your own name second, re-verify at the Tehsil Office third, and check on 8171 before you collect. Do it before the December 31, 2026 wallet deadline.
This information is based on official BISP announcements and operator guidance available at the time of writing, and it may change. Always verify your payment status at bisp.gov.pk or on 8171.bisp.gov.pk, and confirm duplicate SIM charges at your network franchise before paying.
