ZTBL

ZTBL building
:: Zarai Taraqiati Bank Limited::

AWAMI ZARAI SCHEME (AZS)-NON-FARM CREDIT

This product is tailored through which working capital would be provided for poultry, dairy and fishery renewable on yearly revolving basis with 3 years currency period.

TERMS & CONDITIONS
Operational Jurisdiction: All ZTBL branches across Pakistan
Eligibility All experienced poultry, dairy & fishery farmers who are successfully running Non-Farm Credit activities are eligible for loan under the scheme.
Documents Required CNIC Copy, Loan Case File, Agri.Pass Book/Fard Jamabandi, 2 recent photo-graphs & e-CIB Report.
Loanable Items Working capital/revolving credit for poultry, dairy & fishery etc.
Maximum Loan Limit Rs.0.700 million per borrower/party.
Collateral: Tangible Properties.
Cost of Credit
Loan case file/booklet Rs.200/- each
Appraisal fee. 1% for loan up to Rs. 50,000/-
2% for loan above Rs.50,000/-
CWR Rs.150/-
  Postal Charges Rs.500/-(in lumpsum)
  Renewal Fee Rs.300/-
Repayment Schedule Poultry Working Capital
i- Broiler farming in two half yearly installments on 7th Jan and 7th July with one month grace period. ii- Layer/Breeder in one installment after one year period on 7th Jan or 7th July with one month grace period as the case may be.
Dairy Working Capital
In two half yearly installments on 7th Jan and 7th July with one month grace period
Fisheries (inland/marine) Working Capital
In two half yearly installments on 7th Jan and 7th July with one month grace period.
Rate of Mark Up: The prevailing Bank rate of mark up and incentive on timely repayment of loan is applicable.
Borrower’s Contribution: Borrower contribution is 10% of the loan amount.
Monitoring: Strict monitoring is exercised by ensuring checking of utilization by the MCO in 100% cases and sample checking of utilization by the Manager, Zonal Manager (Recovery) and Internal Auditor of the Bank.

Related Documents

Loan FAQs ( Urdu PDF 599KB )