The Benazir Income Support Programme (BISP), in collaboration with HBL Konnect, has rolled out the cluster-based payment system for the December 2025 Rs. 13,500 Kafalat installment. This upgraded distribution model helps manage crowds, prevents delays, and guarantees secure disbursement for millions of BISP beneficiaries across Pakistan.

If you receive BISP payments, this guide explains how to check your cluster, verify your payment date, and collect your December installment without any hassle.

What Is the HBL Cluster Payment System?

To streamline the December payment rollout, BISP has divided different districts and tehsils into multiple HBL clusters. Each cluster receives payments on a pre-assigned date.
This ensures:

• Smooth cash distribution

• Lesser rush at payment points

• Better security and transparency

The HBL Cluster System is one of the most organized payment methods introduced by BISP so far.

Benefits of the HBL Cluster Method

The December 2025 cluster setup includes several advantages:

✔ Reduced waiting time at payment centers
✔ Easy and organized cash disbursement
✔ Lower risk of fraud or mishandling
✔ Convenient withdrawal through HBL Konnect agents and HBL ATMs

BISP HBL Cluster Payment Schedule – December 2025

The first phase of December payments begins on 25 December 2025 for the following confirmed clusters:

⚠ Additional clusters will be added soon. Beneficiaries should stay updated through official BISP notifications.

How to Check Your December 2025 Cluster & Payment Status

BISP allows beneficiaries to verify their cluster number and payment date using two authorized methods:

1. Check Through the 8171 Web Portal (Online Method)

To confirm your December payment status:

1. Go to the official BISP 8171 Web Portal

2. Enter your 13-digit CNIC

3. Type the CAPTCHA code correctly

4. Click “Check Status”

5. View your cluster number, payment date, and eligibility details

This is the most dependable method for real-time updates.

2. Check Through SMS (8117)

If you don’t have internet access:

1. Open your SMS inbox

2. Type your CNIC number (no dashes)

3. Send it to 8117

4. Wait for the official reply containing your cluster information

⚠ Avoid responding to unofficial numbers or agents.

Documents Required for Collecting December 2025 BISP Payment

Bring the following documents when you go to collect your Rs. 13,500 installment:

✔ Original CNIC
✔ Registered mobile SIM
✔ Biometric verification (mandatory at HBL ATMs & Konnect agents)

⚠ Never share OTPs, CNIC images, or fingerprints with unauthorized people.

Where to Collect Your BISP December 2025 Payment

You can withdraw your installment from:

✔ HBL Konnect Agents (authorized shops nearby)
✔ HBL ATMs with biometric verification
✔ BISP Campsites set up for December payments
✔ BISP Tehsil Offices for complaints or verification issues

💡 Tip: Try arriving early to avoid long queues.

How to Withdraw BISP Payment Through an HBL ATM

Here is the simple step-by-step withdrawal process:

1️⃣ Visit any HBL ATM near you
2️⃣ Insert your CNIC card
3️⃣ Give your thumbprint for biometric verification
4️⃣ Select the “BISP Payment” option
5️⃣ Enter the OTP received on your registered mobile number
6️⃣ Enter Rs. 13,500
7️⃣ Collect your cash and receipt

This method is secure, fast, and convenient.

Important Instructions for BISP Beneficiaries

To avoid problems during December 2025 payments:

✔ Confirm your cluster and date before leaving home
✔ Only use official portals (8171) and SMS (8117)
✔ Do NOT pay agents any extra fee—BISP payments are free
✔ Protect your CNIC and mobile number
✔ Report any suspicious activities to the nearest BISP office

Final Words

The HBL Clusters BISP Payment Schedule December 2025 is designed to ensure that every Kafalat beneficiary receives her Rs. 13,500 installment on time and without difficulty. By checking your cluster through the official 8171 portal or 8117 SMS service, you can collect your payment smoothly and securely.