ZTBL building
:: Zarai Taraqiati Bank Limited::


Urdu Version
Kissan Dost Scheme (KDS) has been launched on concessional rate of mark-up for financing crop production loans, (seed, fertilizer, pesticides & other etc.). The financing would be for one season crops i.e. either Rabi or Kharif.

Operational Jurisdiction: All ZTBL branches across Pakistan.
Eligibility All new borrowers of production loans under Farm Credit can be financed under the scheme.However old borrowers with good track record can also get loan under the scheme upon complete closure of previos loan.
Documents Required CNIC Copy, Loan Case File, Agri.Pass Book/Fard Jamabandi, 2 recent photographs.
Maximum Loan Limit Rs.0.700 million per borrower/party.
Collateral: Tangible properties owned by the borrowers as per policy of the Bank.
Cost of Credit As per Bank's Rules.
Repayment Schedule 1- Loan to be advanced for Rabi Crops (to be disbursed from 1st October to 31st March) is recoverable on 7th July and for Kharif Crops (to be disbursed from 1st April to 30th September) on 7th January with one month grace period.
2- Loan for sugarcane is repayable in two installments on 7th January and on 7th April as per standing instructions of the Bank with one month grace period.
3- Input loans for orchard to be advanced during Rabi Season are recoverable in one installment on next 7th January and like wise input loans for orchard to be advanced during Kharif Season are recoverable on next 7th July.
Rate of Mark Up: Special rate of mark up in applicable as notified by the Bank.
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 )