Digital Kissan Karobar Scheme (DKKS)

Digital marketing is one of the popular concept and methodology used in today’s business world. Digital marketing also called online marketing, is the promotion of brands to connect with potential customers using the internet and other forms of digital communication.

Literacy rate of Gilgit-Baltistan is considerably high than other parts of the country and after inception of 4G services across Gilgit-Baltistan, tendency for usage of internet services have been increased manifold. On the other hand, world top class fruits like cherry, almond, apricot, pine net, pear etc. are widely produced and wastage ratio is more than 30% due to non-availability of adequate market place.    

Therefore, to capture this opportunity and provide business and employment opportunities in far flung villages of Gilgit-Baltistan by marketing their fresh/dry fruits by establishing virtual online shops, a financing product with title of “Digital Kissan Karobar Scheme (DKKS)” has been introduced.

Terms & Conditions

Operational Jurisdiction

The scheme will be applicable in all branches falling under ZTBL Gilgit-Baltistan Zone.

Eligibility Criteria
  • The creditworthy and reputable rural farmer with having appropriate self-owned & self-possessed agri. land to cover the feasibility of subject project are entitled to avail the loan facility.
  • Individual should be resident of Gilgit-Baltistan and intends to increase his income through digital marketing/sale of their fresh/dry fruits by establishing virtual/online Fruit Shop.
  • Individual should be within the age limit if 18-60 years.
  • Valid copy of CNIC.
  • Clear e-CIB report from SBP.

Obligors Risk Rating (ORR) upto 4.


Agriculture Loan Schemes

Finally! Good News coming your Way…

ZTBL to launch Internet & Mobile App soon