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Bee Keeping

Apiculture/Beekeeping is a green banking product as Bees play a very important role in maintaining biodiversity, ecosystem, and the natural networking balance for the survival of life. Bees play a vital role as pollinators and help in maintaining current agricultural production levels. The decrease in the number of honeybees results in food insecurity “No Honeybees, No Food, No Future”. So, there is a dire need for financing and promoting Apiculture/bee-keeping activities to maintain the ecological balance of the planet as well as to protect food security

   Benefits of Apiculture/Beekeeping:

  1. Beekeeping promotes pollination.
  2. Beekeeping provides food for predators.
  3. Provides bee wax which is used in many industries, including the cosmetics industry, polishing industry and pharmaceutical industry, etc.
  4. Beekeeping helps to maintain nature.
  5. Bees are responsible for the production of many seeds, nuts, berries, and fruits which serve as a vital food source for wild animals.

Keeping in view the above, the Bank has introduced the subject titled scheme as Green Banking Product.

 Terms & Conditions:

Operational Jurisdiction All ZTBL Branches across Pakistan.
Eligibility Criteria
  1. The creditworthy and reputable rural populace all over the country having good repayment behavior and familiarity with beekeeping activities will be considered for such a loan.
  2. Applicant must be 18-60 years of age.
  3. Applicant should not be a defaulter of any other Financial Institution.
  4. Clear e-CIB Report from.
  5. Obligor’s Risk Rating (ORR) up to 4.
Documents Required CNIC Copy, Loan application, Agri. Passbook/Fard Jama Bandi & 2 recent photographs.
Maximum Loan Limit Up to Rs. 2.500 million per borrower/party.
Borrower’s Contribution 10% of the loan amount will be deposited by the borrower as self-contribution.
Collateral The loan would be secured against all types of securities acceptable to the Bank.
Cost of Credit As per Bank’s Rules.
Rate of Mark Up The prevailing rate of markup on development loans is applicable with a 3% rebate on the timely repayment of the loan.
Sanction of Loan Loan under the scheme would be sanctioned by Central Loan Sanctioning Department up to Rs. 2.500 million.
Disbursement After execution of legal documents loan would be disbursed through the current account of the borrower.
Repayment Schedule The loan would be recovered within 07 years in half yearly installments commencing one year after the first disbursement.
Monitoring Close monitoring would be carried out by the respective Bank authorities.