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Tahafuz-e-Ajnas Scheme (Product on Godown)

Small farmers do not have the economic strength to retain their produce with them till the market prices are congenial and favorable. Hence to promote capacity building in the shape of storage & packaging facilities for the farming community & to prevent the wastage of farm produce, the management of the Bank is pleased to introduce the titled scheme.

Terms & Conditions:

Operational Jurisdiction The scheme will be applicable throughout the country where no restriction is imposed by the Federal/Provincial Government.
  1. The creditworthy and reputable rural populace across the country, having the capacity to repay, is eligible to get financing under the said scheme. Preference will be given to new borrowers. However, old borrowers having good repayment behavior and are familiar with the captioned activity will also be considered for such loans.
  2. Clear e-CIB Report from SBP.
  3. Obligor’s Risk Rating (ORR) up to 4.
Documents Required CNIC Copy, Loan application, Agri. Pass Book/Fard Jamabandi & 2 recent photographs.
Maximum Loan Limit Rs.5.000 million per borrower/party.
Collateral All tangible securities are acceptable to the Bank.
Cost of Credit As per Bank’s rule.
Repayment Schedule The loan will be recovered within 10 years in half-yearly installments commencing one year after the disbursement.
Rate of Mark Up The prevailing rate of markup on development loans with a 3% rebate on timely repayment of loans is applicable.
Borrower’s Contribution 10% of the loan amount will be deposited by the borrower as self-contribution.
Sanction of Loan Loans under the scheme will be sanctioned by Central Loan Sanctioning Department (CLSD) up to Rs. 2.500 million and over & above by Head Office Credit Committee.
Monitoring The loan shall strictly be monitored every month till completion of the Godown by the MCO/Manager of the concerned branch and thereafter on a half-yearly basis if the borrower/party fails to repay the loan in time.