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
| Operational Jurisdiction | All ZTBL branches across Pakistan. |
| Eligibility Criteria | All creditworthy and reputable farmers engaged in flowers and vegetables cultivation are eligible to apply for credit under this scheme. However, old borrowers having good repayment behavior and familiar with the above activity would also be considered for such loan. |
| Documents Required | CNIC Copy, Loan Case File, Agri.Pass Book/Fard Jamabandi, 2 recent photographs. |
| Maximum Loan Limit | Rs.1.500 million per borrower/party. |
| Borrower’s Contribution | 10% of the loan amount will be deposited by the borrower as self contribution. |
| Collateral | Tangible properties owned by the borrowers as per policy of the Bank. |
| Cost of Credit | As per Bank’s Rules. |
| Repayment Schedule | Loans under the scheme would be recoverable as under:-
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| Rate of Mark Up | The prevailing rate of mark up on development loans is applicable. |
| Monitoring | Close monitoring would be carried out on monthly basis by respective Zonal Chief and Credit Operations Department, ZTBL Head Office, Islamabad. |
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