Crop Insurance Scheme

ZTBL has launched Crop Loan Insurance scheme (CLIS) as per instructions of Government/ SBP. The main features of this scheme are listed hereunder:-

Terms & Conditions


Premium will be charged @ 1.3% (inclusive of all taxes and levies) of loan sanctioned for Rabi and Kharif crops separately. Bank will pay the premium for subsistence farmers and will get reimbursement from the Government on half yearly basis.

Maximum Loan Limit Insured

Rs. 500,000 in an individual case.

Sum insured

Production loan for agreed crops of each season (Rabi & Kharif) for which premium is paid.

Crops covered

Wheat, Cotton, Sugarcane, Rice & Maize.

Perils covered

Excessive rain, Flood, Drought, Hailstorm, Frost, Locust attack and Insect attack.

Period of Insurance

From the date of sowing/transplantation to completion of harvesting of the insured crop.


Full compensation will be paid if the insured standing crop is damaged by the perils covered in calamity notified areas by the Government.


Agriculture Loan Schemes

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