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“Zarkhez-E”- Assan Digital Zarai Qarza

In a joint initiative, the Government of Pakistan and the State Bank of Pakistan (SBP) have introduced the “Zarkhez-e” Assan Digital Zarai Qarza, designed to extend financial support to farmers cultivating leased or shared land, ensuring access to credit beyond land ownership.

The objective of this scheme is to provide financing that promotes sustainable agriculture and rural uplift, enhance food security, increase productivity, and contributes to economic growth, thereby fostering inclusive and resilient rural development.

As a participating bank in the scheme, ZTBL has rolled out its own program with the following key features:

Terms & Conditions

Operational Jurisdiction The scheme will be applicable in all ZTBL branches located across the country.
Eligibility Criteria & Required Documents

The farmers should meet the following general criteria:

  • Valid copy of NADRA CNIC
  • Recent Photographs (02)
  • Age between 21 and 60 years
  • Resident Pakistani farmers
  • Clean eCIB
  • Obligor’s Risk Rating (ORR) up to 4
  • For Tenants: Khasra Girdawri as a proof of cultivator OR Rent/lease agreement between owner of land & the tenant as proof of the cultivator (In case of Sindh & Gilgit-Baltistan province). Moreover, CNIC verification from NADRA verisys of the owner of land may also be ensured by the branch.
  • For Landowners: Fard and Khasra Girdawri in the name of applicant. Moreover, CNIC verification from NADRA verisys of the owner of land may also be ensured by the branch. In Gilgit-Baltistan Alienability certificate along with relevant documents.
  • Surety Bond.
Mechanism of Application
  • Applicants shall apply through the PBA Portal developed by Punjab Information Technology Board (PITB). After CNIC validation through NADRA and OTP-based digital consent, a unique PSID shall be generated for payment of processing fee. Upon payment, applicants shall complete personal, agronomy, geo-location and optional psychometric details. The application shall then be verified through LIMS for GIS-based farm verification, income assessment and farming efficiency evaluation before being forwarded to the preferred bank for processing.
  • The submitted applications will then be shared with LIMS through API for GIS-based farm verification, historical and projected income assessment, and farming efficiency evaluation, after which the complete application data along with LIMS validation and psychometric results will be forwarded to the applicant’s preferred bank for further processing.
Procedure & Conditions for Loan
  • Surety bond by applicant with two sureties, preferably Namberdar or Notable Person of the area.
  • A landlord can also stand surety for his two tenants provided it is ensured that loan will be used by the tenants for the land under their cultivation.
  • No guarantee/surety can be accepted from a borrower who is defaulter of ZTBL or any Bank/ financial institution.
  • ZTBL & KSSL employees should not be authorized to issue surety bond.
Maximum Loan Limit
  • Tenants:upto PKR 100,000/- per acre to a maximum of PKR 500,000/- (15% Cash withdrawal & 85% payments at designated Agri Service providers / merchants)
  • Landlord: upto PKR 100,000/- per acre to a maximum of PKR 1 Million (25% Cash withdrawal & 75% payments at designated Agri Service providers / merchants)
  • Loan limit will be sanctioned for 12 months; Expiry date fall on last day of month.
Tenure of Facility
  • 12 months (due date falling on the last day of the month).
  • Only one application per individual farmer.
  • Scheme validity is up to 5 years.
Collateral Clean financing with no security requirements.
Documentation Charges The processing fee of Rs. 1,200/- shall be paid by the applicant through online portal to cover necessary costs of PMD, NADRA, LIMS verification etc.
Scorecard

Loan approval will be granted subject to the scorecard assessment, requiring a minimum qualifying score of 60%. Score card snapshot is:

  • KYC – 30% Weightage
  • Financial (DBR & eCIB) – 10% Weightage
  • Agronomy – 60% Weightage
Rate of Mark-Up Markup rate for this scheme is 06 months KIBOR offer rate + 8% p.a. with Minimum Pricing Floor of 18%.
Sanction of Loan Loan under the scheme shall be sanctioned by the Credit Review Department (CRD) at Head Office.
Repayment Schedule
  • Bullet repayment (Principal + accrued Mark-up) at the end of financing tenure.
  • Early repayment is allowed without any pre-payment penalty.
Utilization Proper utilization of loan would be ensured by checking utilization of loan by the MCO as per the guidelines given in Credit Manual Vol I. In case of mis-utilization the loan would be recalled in lump sum as per Bank’s instructions.
Monitoring GMs and RBHs, will closely monitor the scheme. Regional Manager Recovery (RMR) will manage recoveries at Region level and will also ensure the timely renewals of regular accounts from the approving authority by Branch Manager to ensure continuity of the facility and also to avoid classification of such loans.

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  • Headquarter: 1 Faisal Ave, Near Zero Point Interchange, G-7/1, Islamabad Capital Territory, P.O Box 1400.
  • UAN: 051- 111-30-30-30
  • Tel:(051) 9252805
  • *For Pakistan, ZTBL calls its customers from 051-7080500 & 051-7080501
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  • Email: head.bod@ztbl.com.pk
  • Email: contactus@ztbl.com.pk
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ZARAI TARAQIATI BANK LIMITED (ZTBL) is licensed and regulated by the State Bank of Pakistan