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Agri. Financing Scheme for “Floriculture & Green Houses”

In order to promote the floriculture & green houses in Pakistan and to facilitate the rural community to utilize their best potential and skill to earn their livelihood through flower & off-season vegetable cultivation, this exclusive scheme has been launched by the Bank. This will also help in reduction of unemployment among rural masses.

Terms & Conditions

OperationalJurisdiction: Scheme will be operative in the entire area of Azad Jammu & Kashmir through network of ZTBL Muzaffarabad Zone and Livestock & Dairy Development Department, AJ&K.
Eligibility Criteria Borrowers recommended by Livestock & Dairy Development Department, AJ&K would be eligible for availing loan facility under the scheme.
Documents Required CNIC Copy, Loan Case File, Agri.Pass Book/Fard Jamabandi & 2 recent photographs
Maximum Loan Limit Maximum Loan upto Rs.10,00,000/- for 5 milch animals @ Rs.200,000/- per milch animal  would be provided by the Bank to the borrowers registered with the Department.
Collateral The borrowers will provide security/collateral of the loan as per Bank’s policy.
Tenure The scheme will remain applicable / effective for 5 years (60 months) from the date of agreement to the completion of the scheme/project and will be extended with mutual consent.
Cost of Credit As per Bank’s Rules
Sanction of Loan The loan would be sanctioned by the Branch Manager/Chief Manager up to Rs.1.000 million under this specific scheme.
Repayment Schedule Loan will be recovered within 05 years in quarterly installments commencing six months after 1st disbursement of loan.
Rate of Mark Up: Mark-up of loans under the scheme will be charged by ZTBL @ 16.80% p.a. payable by Livestock and Dairy Development Department, Azad Govt. of AJ&K, in case of delayed payment of principal amount by the borrower, the borrower himself/herself will be responsible to pay the additional amount of the mark-up for delayed period and any charges levied by the Bank.


All animals reared in dairy units will be insured. Insurance cost/premium will be paid by the Bank under its Dairy/Livestock Insurance Scheme.
Monitoring: The said project/scheme will jointly be monitored by the Bank and Livestock and Dairy Development Department, AJ&K.