All ZTBL branches across Pakistan.

1. 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.
2. Clear e-CIB Report from SBP
3. Obligor’s Risk Rating (ORR) upto 4

CNIC Copy, Loan application, Agri.Pass Book/Fard Jamabandi, 2 recent photographs

Rs. 5.000 million per borrower/party.

10% of the loan amount will be deposited by the borrower as self contribution.

Tangible properties owned by the borrowers as per policy of the Bank.

As per Bank’s Rules.

Loans under the scheme would be recoverable as under:-

1. Loan for Rose cultivation would be recoverable within five years in half-yearly installments with one-year grace period.
2. Loan for Tube Roses & Gladiolus cultivation would be recoverable within five years in half yearly installments with six months’ grace period.
3. Loan for Tunnel Farming and Green houses would be recoverable within five years in half yearly installment with one-year grace period.
4. Loan for Potted & Ornamental Flowers would be recoverable within five years in half yearly installments with six months’ grace period

The prevailing rate of mark up on development loans with 3% rebate on timely repayment is applicable.

Loan under the scheme will be sanctioned by Central Loan Sanctioning Department (CLSD) upto Rs. 2.500 million and over & above by Head Office Credit Committee.

Close monitoring would be carried out on monthly basis by respective Zonal Chief and Credit Operations Department, ZTBL Head Office, Islamabad.