We Started This Because We Were Tired of Getting the Wrong Information
A few years ago, someone very close to our team — a younger sister, actually — spent nearly four months trying to figure out whether she qualified for a government laptop scheme. She searched on Google, found three different blog posts with three different eligibility criteria, called a helpline that put her on hold for 45 minutes, and eventually gave up.
She was eligible. She just never found out in time.
That story isn’t unusual. Millions of people in Pakistan are in the same position every single day — eligible for government schemes, financial support programs, health cards, educational grants, and subsidies they’ll never benefit from simply because the right information wasn’t available in one clear, trustworthy place.
That gap is exactly why Cretifyo.com exists.
So, What Is Cretifyo?
Cretifyo is a Pakistani information platform focused entirely on government schemes, welfare programs, and citizen benefits — explained in plain language, kept up to date, and written for real people rather than bureaucrats.
We cover everything from BISP (Benazir Income Support Programme) and the Kafalaat Program to the PM Youth Laptop Scheme, Ehsaas Emergency Cash, Sehat Sahulat Program, Kisaan Package updates, and much more. If the government of Pakistan has announced a benefit or scheme — federal or provincial — we try to cover it thoroughly, accurately, and in a way that someone sitting in Gujranwala or Turbat can actually understand and use.
We’re not a government website. We’re not affiliated with any political party. We’re just a team of people who got frustrated with how hard it was to find reliable, jargon-free information about programs that exist specifically to help ordinary citizens.
Why This Even Matters
Here’s something that doesn’t get said enough: Pakistan has a genuinely large number of support programs running at any given time. Federal programs, provincial programs, district-level initiatives. There are schemes for students, for farmers, for small business owners, for daily-wage workers, for women heads of household, for flood affectees, for people with disabilities.
But awareness? Absolutely abysmal.
We’ve talked to schoolteachers in interior Sindh who had no idea the Sehat Sahulat card covered them. We’ve spoken to small shop owners in Lahore who didn’t know they could apply for an interest-free loan under the Kamyab Jawan program. We know families in KPK who were eligible for Ehsaas Ration and never received it because they didn’t know how to register.
The information existed. It was just buried in government press releases, PDFs no one could find, and official portals that weren’t designed for someone using a basic Android phone on mobile data.
Cretifyo is our attempt to fix that — one clearly written article at a time.
What We Actually Do
We Research Before We Publish
Every article on Cretifyo goes through a verification process before it goes live. We check the original government notifications, cross-reference with official portals (nadra.gov.pk, bisp.gov.pk, ehsaas.gov.pk, and others), and where possible, we speak to people who’ve actually been through the application process.
We’ve made mistakes before — published eligibility criteria that turned out to be from an older version of a scheme, or missed a deadline update. When that happens, we correct it immediately and note the update at the top of the article. We’d rather admit an error and fix it than quietly pretend it didn’t happen.
We Write in Plain Urdu and English
Not everyone navigating these systems is comfortable reading dense English. And not everyone reads Urdu fluently either. So we try to publish content in both languages, keep the sentence structure simple, and avoid terms like “fiscal allocations” when “how much money is available” works just fine.
Our most useful articles are step-by-step guides. How to check your BISP eligibility via SMS. How to register for the Sehat Sahulat Program. What documents you need for the PM Youth Business Loan. We walk through these processes the same way we’d explain them to a family member sitting across from us.
We Keep Things Updated
Government schemes change. Deadlines move. Portals go down and come back up with new interfaces. Eligibility criteria get revised when new surveys happen. This is one of the biggest problems with most information sources about Pakistani government programs — the information is correct when it’s first published and completely wrong six months later.
We have a dedicated review process where older articles are revisited regularly, especially after major government announcements or budget sessions. If something changes, we update it — and we tell our readers it’s been updated, and when.
We Don’t Sell You Anything
No paid verification services. No “fast-track registration” links that take you somewhere sketchy. No sponsored results disguised as neutral information.
Every scheme on Cretifyo links directly to the official government portal, official helpline numbers, and official application forms. If a process requires you to go in person, we tell you that clearly rather than sending you in circles online.
We earn through standard display advertising (Google AdSense and similar). That means we make money when people visit and read — not when they click on something misleading. Our incentive is to give you useful content that brings you back, not to trick you once.
The Team Behind Cretifyo
We’re a small team based across Pakistan — Lahore, Karachi, and Islamabad mostly, with contributors in other cities who help us stay close to what’s happening on the ground in different provinces.
Most of us have backgrounds in journalism, public policy research, or community work. Some of us have personally gone through the experience of applying for government programs, either for ourselves or to help family members. That firsthand experience shapes how we write — we know which parts of an application process are confusing, which helpline numbers actually get answered, and which documentation requirements trip people up.
We don’t put individual names on most articles by default, because our goal is institutional reliability — you should be able to trust Cretifyo as a source, not just trust one particular writer. But if you want to reach any of us directly, the contact page is real and we actually respond.
What We’ve Gotten Wrong (And Learned From)
We published an article in early 2023 about the Ehsaas Undergraduate Scholarship that had an incorrect income threshold. A reader pointed it out in the comments. We verified, corrected it within the hour, and thanked them publicly.
That experience reminded us to always cite our sources within the article — not just for transparency, but so readers can check for themselves and flag if something’s changed. We now link directly to government notifications wherever they’re publicly accessible.
We also learned that step-by-step guides age badly if we don’t revisit them. An article about how to check payment status on the BISP portal became inaccurate when the portal redesigned its interface. We now include a “Last Verified” date on process-based articles so readers know how recent the information is.
These aren’t things we’re embarrassed about — they’re part of running an honest information platform. The people who read us are often making real decisions based on what we publish. We take that seriously.
Who Reads Cretifyo
Honestly, our readers are pretty diverse.
A lot of them are people directly looking for information about programs they may qualify for — students, farmers, low-income families, flood affectees.
But we also get a lot of traffic from people trying to help someone else — a son checking on his mother’s BISP status, a social worker trying to understand the Ehsaas program for the people she works with, a schoolteacher checking if her students qualify for a laptop or scholarship scheme.
And then there are the researchers, the journalists, the NGO workers who use Cretifyo as a quick reference point to understand the landscape of social protection programs in Pakistan.
We try to write for all of them — but when in doubt, we write for the person with the least access to information, the one who needs it most clearly explained.
What We’re Building Toward
Right now, Cretifyo covers most of the major federal programs and a growing number of provincial ones. Punjab and Sindh have the most coverage currently. We’re actively working on better coverage of KPK, Balochistan, AJK, and Gilgit-Baltistan programs — these areas often have entirely separate schemes that don’t get nearly enough coverage.
We’re also working on a simple eligibility tool — something where you can enter basic information (province, household size, income range) and get a shortlist of schemes you might qualify for. It won’t replace going to an official portal, but it might help people even know where to start.
None of this happens overnight. But the direction is clear: make the information more accessible, keep it more accurate, and reach more of the people who need it.
Get in Touch
If you’ve found an error in one of our articles, we genuinely want to hear from you. Use the contact form on the Contact page, or drop a comment on the article itself.
If you work for a government department and want to share official materials, clarifications, or scheme updates — please reach out. We’ll use the information responsibly and credit appropriately.
And if you’re just a reader who found something on Cretifyo helpful — that’s the whole point. That’s why we do this.
Cretifyo.com — Pakistan Government Schemes & Benefits, Explained Clearly.