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Author: Urwa Adeen
Pakistan Bait-ul-Mal (PBM) has spent Rs. 11.3 billion on administrative expenses—78% more than its largest welfare programme. Core programmes like orphan care and cochlear implants cover less than 0.1% of the target population, raising concerns about reach and impact. Despite reforms like biometric payments, PBM still lacks access to central databases like NSER, limiting effective targeting and transparency. A potential merger with BISP could enhance efficiency and scale, provided PBM’s specialised services are preserved under a unified framework. This insight outlines the basic functions and structure of Pakistan Bait-ul-Mal (PBM) and a financial analysis to suggest possible reforms. PBM, Pakistan’s…