The World Bank is restructuring the Crisis-Resilient Social Protection Program (CRISP), a program of roughly $970 million implemented by Pakistan’s Benazir Income Support Programme (BISP). The change is about how beneficiaries are counted, not about how much money is available. Under the restructuring, results are reported for individuals rather than households, with beneficiaries broken down by gender and age. Reporting in December 2025 described this as the program’s second restructuring. Later coverage on whether the change has been formally approved was not available when this article was prepared in October 2026, so the restructuring should be read as reported in late 2025 rather than as a confirmed final step.
What CRISP is
- Full name: Crisis-Resilient Social Protection Program. It is a World Bank Program-for-Results operation, so disbursements are linked to achieved results rather than to individual invoices.
- Implementer: Benazir Income Support Programme (BISP), Pakistan’s federal cash transfer agency.
- Main project ID: P174484. The additional financing project carries ID P181558.
- Appraisal documents: PAD4126 (original appraisal, IDA Program-for-Results) and PAD5619 (the 2024 additional financing).
What the restructuring changes
The restructuring rewrites the program’s results framework. Until now, reporting has been framed around households. Under the revised framework, the unit of reporting becomes the individual, and beneficiaries are disaggregated by gender and age.
| Element | Before (household-based reporting) | After (individual-level reporting) |
|---|---|---|
| Unit counted | Households | Individual beneficiaries |
| Breakdowns | Not stated in the reporting reviewed | Gender and age |
| Stated purpose | Not applicable | Better data aggregation, consistent reporting, and prevention of undercounting beneficiaries (as reported, December 2025) |
The practical difference is easiest to see with a simple illustration. Suppose a household with seven members receives support. A household-based count records one unit. An individual-based count records seven people, each with a gender and age. The second method shows who is actually reached, which is what the revised framework is designed to capture. This is an illustration of the method, not a figure from program records.
Why the World Bank is making the change
Reports tie the restructuring to the World Bank’s FY2024-30 Corporate Scorecard methodology. That scorecard sets targets of reaching 500 million poor and vulnerable people and 250 million women through social protection systems by 2030. Counting individuals rather than households is what allows a program’s contribution to those global targets to be aggregated consistently across countries. No public statement from a named World Bank official explaining the change was found in the reporting reviewed, so the rationale above reflects how the change was described in coverage, not a direct quotation.
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The figures below are the ones reported in the most recent coverage located. They are snapshots from December 2025 and April 2024, not live project data.
| Item | Reported value | Source and date |
|---|---|---|
| Program size | About $970 million (headline figure) | Profit and Pakistan Today, December 2025 |
| Disbursed | $704.44 million, or 73% of financing, about four years after launch | Profit and Pakistan Today, December 2025, citing World Bank records |
| Additional financing | $270 million | Pak Banker, 24 April 2024 |
| Fiduciary status | No overdue audits, ineligible expenditures, or fiduciary concerns reported; procurement and financial management rated satisfactory; overall risk rated moderate | Profit and Pakistan Today, December 2025 |
The 73% disbursement figure is a point-in-time share of total financing. It does not show how much of the remaining amount will be disbursed, or when.
Background: the 2022 and 2024 changes
2022 restructuring
Secondary reports describe a 2022 restructuring that extended one-off support to about 2.8 million flood-affected families. This figure has not been checked against the World Bank’s own restructuring documents, so treat it as reported rather than confirmed.
2024 additional financing
Pak Banker reported in April 2024 that $270 million in additional financing would support an adaptive, crisis-resilient social protection system. Part of the program also covers a gradual takeover by Punjab and Sindh, using their own resources, of services that are currently delivered through federal cash transfer programs. That shift changes which government funds certain services over time, so beneficiaries in those provinces should watch official provincial and BISP announcements.
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What the reporting does not say
None of the coverage reviewed states that funding for CRISP is being cut, or that beneficiaries will lose payments because of the restructuring. Nor does it say that payments will continue unchanged. The reported change concerns measurement and reporting. Any effect on individual payment schedules or eligibility would need to come from BISP or the government, not from the World Bank’s results framework.
The closing date is reported inconsistently
Coverage from 2024 said the additional financing would extend closing to the end of June 2026. A separate summary of the PAD5619 document described an extension from 30 June 2025 to 30 June 2027. Both cannot be the current position without a further amendment, so the closing date should not be treated as settled until it is checked against the World Bank project page.
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How to check the current status
- Go to the World Bank’s projects site and search for project ID P174484, then P181558.
- Open the documents and reports section for each project and look for the restructuring paper and its approval date.
- Compare the closing date and the disbursed amount on the project summary with the figures in this article.
- For questions about payments, eligibility or enrolment, use BISP’s official channels rather than project documents, since project documents describe program reporting rather than individual benefits.
If the restructuring paper shows a different approval date, a different closing date, or a revised financing amount, the official project record should take precedence over any figure quoted here.
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