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Zarai Taraqiati Bank Limited (ZTBL) erstwhile Agricultural Development Bank of Pakistan (ADBP) is the premier financial institution geared towards the development of agriculture sector through provision of financial services and technical know how.
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Dedicated to Serving the needs of the Farming Community
Financial Insights
Financial Insights

Zarai Taraqiati Bank Limited (ZTBL) erstwhile Agricultural Development Bank of Pakistan (ADBP) is the premier financial institution geared towards the development of agriculture sector through provision of financial services and technical know how.
Annual Reports

Financial Statement

Credit Rating

Schedule of Bank Charges

Deposit Protection Mechanism

Public Documents
Investing for Tomorrow
Agriculture Loans
Agriculture Loans

Investing for Tomorrow

In order to meet the demands/needs of farmers and agri-entrepreneurs, ZTBL strives to take initiatives in introducing innovative development/production schemes to help small farmers overcome their financial needs and earn a decent living for their families, food security issues and poverty alleviation among rural population.
Development Loans

Floriculture & Green Houses

Asan Qarza Scheme

Bee Keeping

Biofloc Fish Farming

Black Australorp Chicken Farming

Crop Insurance

Dairy Value Chain

Digital Kissan Karobar (DKKS)

Electric Chakki

Electronic Warehouse Receipt

Agri.Tourist Outlet/ Orchard

High Efficiency Irrigation System

Financing of “Oil Expeller Unit”

Tea Business

Tobacco Barn

Three Wheeler Loader Rickshaw Loan
Fruits & Vegetable Saver

Potato Grader

Rice Transplanter

Agri. Land Development

Financing of Milk Chilling Unit

Golden/Misri Chicken Farming

Khawateen Rozgar

Khushk Ratab

Kissan Rozgar (KRS)

Loan for Tractor

Raw Sugar (Jaggery/Shakkar)

Red Meat of Sheep/ Goat Rearers

Rural Development of AJ & K

Soghat-e-Shireen “GUR Making”

Special Loans for Gilgit-Baltistan

Tahafuz-e-Ajnas
Production Loans

Kissan Khushhal (KKS)

Government Loans

GOP Markup Subsidy

Farm Mechanisation

Youth Business

Other Schemes

Crop Insurance Scheme
Retail Banking
Retail Banking

My Account...My Ally

Our deposit products range from Current/ Savings account, term deposits to meet your daily banking needs through our vast branch network spread across the country.
Conventional Banking

Current Accounts

Basic Banking

Bakht Account

Saving Account

PLS Saving

Business Deposit

Rozanabachat

Mustaqbil Mehfooz

Senior Citizen Account

Junior Account

Bakht Account

Term Deposit

PLS – Term Deposit

Term Deposit Certificate

Munafa Term Deposit Certificate

Bakht Account
Islamic Banking

Ask Sariah

Shariah Board

Schedule of Charges

Islamic Accounts

Branch Locator

Profit Rates & Weightages

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FAQs

Contact Us
Digital Banking
Digital Banking

Access your banking needs remotely from anywhere.
Debit Cards

Digital Onboarding

ATM Locator

Internet Banking (Coming Soon)

Mobile Banking (Coming Soon)
Banking Smartly
Other Services
Other Services

The premier financial institution geared towards the development of agriculture sector through provision of financial services and technical know-how.
Treasury

Home Remittance

Locker Facilities

Hajj

Deposit Protection

OTC IBFT & Taxes Collection

NFLP Trainings
Your future. Our pride
Contact Us
Contact Us

Our wide Branch network of 501 Branches ( Conventional & Islamic) to meet your Banking needs within your vicinity.
Contact Directory

Zonal Offices

Zonal Chiefs

Branch Locator

Complaint Centers

Audit Zones

Feedback
Helping people and small businesses see the bigger picture.

Federal State Minister for Poverty Alleviation and Social Protection Faisal Karim Kundi called on President ZTBL Asad Ullah Habib and exchanged views on mutual understanding between

ZTBL and BISP for helping small and poor farmers in the country

Prime Minister’s Youth Programme

Loan Scheme Business & Agriculture

ZTBL Islamic Banking

Offering Shariah Compliant Products

Bakht Account

Pilot Launch

ZTBL Digital Account

Donations/contributions to the

Prime Minister’s Relief Fund for Türkiye and Syria

Donations/contributions to the

Prime Minister's Flood Relief Fund-2022

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Latest Updates

Introducing loan schemes for Rice Transplanter, Straw Bailing, Walking Tractor and Bee keeping for our valued customers

Introducing loan schemes for Rice Transplanter, Straw Bailing, Walking Tractor and Bee keeping for our valued customers

The Best Banking Loan Schemes with Lower Return Rates

electric chakki for making masalajaat (chilli, dhanya, zeera etc.)

Spices/condiments are a daily need of households in Pakistan. There is a huge demand of different Masalajat like Chilli, Dhanya, Zeera etc for daily use.

Digital Kissan Karobar Scheme (DKKS)

Digital marketing is one of the popular concept and methodology used in today’s business world. Digital marketing also called online marketing.

Financing Product for Rice Transplanter

Rice is one of the five major crops of the Country and considered as s staple food.

Financing for apiculture (Bee Keeping) as Green Banking Product

Apiculture/Beekeeping is a green banking product as Bees play a very important role in maintaining biodiversity, ecosystem and the natural networking

Agri. Land Development through Alternate/ Renewable Energy

Country is facing the energy crisis. Agriculture sector has received a setback due to energy crisis resulting into low crop productivity.

Financing product on golden/misri chicken poultry farming (egg & meat production)

In livestock sector, poultry production has its own impact and value on the overall livestock market and in the GDP contribution.

Financing Scheme for “Women Empowerment In Garment’s Sector”

In order to empower women of the underdeveloped areas in the country by providing employment opportunities

With ZTBL Debit Cards, you get 24-hour access to your cash anytime and anywhere from ZTBL ATMs and 14000+ 1Link ATM networks across Pakistan.

Point of Sale (POS)

ZTBL Debit Cards shall be accepted at all domestic POS locations.

Local Fund Transfer

With ZTBL Debit Cards, you can transferred fund within ZTBL bank any customer account via 44 ZTBL ATMs anytime

Inter Bank Fund Transfer

With ZTBL Debit Cards, you can transferred fund in real time all 1link member banks customer accounts through ZTBL ATMs anytime .

Utility Bills Payments

Utility Bills PaymentsZTBL now offers its customers unmatched convenience and comfort with the launch of its Utility Bills Payment Service (UBPS).

1BILL offers member banks to integrate easily, and a user-friendly interface for consumer to pay all bills including but not limited to Credit Card bills.

With ZTBL Debit Cards, now customer can extract Mini statements of his account from any ZTBL ATM any time, free of charges .

One Card Multi A/C

Now customer can access his 03 accounts with ZTBL Debit Card by linking .

Biometric Transaction

With ZTBL Debit Cards customer can do Biometric Verification / Card Activation / PIN Change and get 24-hour access to your cash anytime and any ZTBL ATM.

Islamic Current Account

Current Accounts are based on the Islamic principle of Qard such that the Bank is the 'Borrower' and the depositor is the 'Lender'.

Islamic Saving Account

The relationship between the Bank and the Customer holding Islamic saving accounts shall be based on the principles of Mudarabah, where the Customer is the Rab-ul-Mal and the Bank is the Mudarib.

term deposit certificates

The relationship between the Bank and the Customer holding Special Islamic Term Deposit Certificates shall be based on the principles of Mudarabah

In the light of “Green Banking Guidelines of State Bank of Pakistan (SBP)” and “Green Banking Policy of ZTBL”

home remittance

ZTBL Now offer (Home Remittance Services) for ZTBL and other walk in customers for the remittances sent through 40 + exchange companies

Zarai Taraqiati Bank Ltd. apart from its core functional activity marked with country based agri-business

All Branches of ZTBL will remain open for receipt of Hajj Applications 2023.

Partnership & Alliances