ZTBL

ZTBL building
:: Zarai Taraqiati Bank Limited::

SADA BAHAR SCHEME (SBS)

The scheme primarily caters to the financing requirements of existing eligible farmers for working capital as well production needs on annual revolving basis. The borrower can draw the credit limit in lumpsum or in piece meal according to his requirement.


Operational Jurisdiction: All ZTBL branches accross Pakistan.
Eligibility: The old/ existing borrowers having good repayment track record are
Collateral: Agri.land mentioned in Agri.Pass Book
Documents Required: CNIC Photocopy, Loan Case File, Agri. Pass Book/ Fard Jamabandi, 2 recent photographs &
e-CIB
Rate of Mark Up: The prevailing Bank rate of markup and incentive on timely repayment of loan is applicable.
Maximum Loan Limit: Rs.0.500 million per borrower/party.
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 Manage (Recovery) and Internal Auditor Bank.
Repayment Schedule:
  1. Loans disbursed for wheat & other Rabi crops from 1st October to 31st March would be recoverable on 7th July.
  2. Loans disbursed for sugarcane would be recovered in 2 equal installments on 7th January and 7th April.
  3. Loans disbursed for cotton, paddy and other Kharif crops from 1st April to 30th September would be recoverable on 7th January.
  4. Loans disbursed for working capital for orchard during the Rabi season i.e. 1st October to 31st March would be recoverable in one month installment on next 7th January and like-wise loans disbursed for working capital for orchard during Kharif season i.e. 1st April o 30th September would be recoverable on next 7th July.
Loanable Items: Inputs i.e. seed, fertilizer and , pesticides/ insecticides/ POL/ labour charges etc.
Working capital for Poultry, Dairy, Fishery and Orchards..
Cost of Credit  
Price of Loan Case File/ Booklet Rs.200/- each
  Loan Appraisal Fee Loan upto Rs.50,000/- [1% of loan applied]
Loan above Rs.50,000/- [2% of loan applied]
  Postal Charges Rs.500/-
  CWR Charges Rs.150/-
  Renewal Fee Rs.300/-

Related Documents

Loan FAQs ( Urdu PDF 599KB )