Financing for apiculture (Bee Keeping) as Green Banking Product

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 quantity of honeybees results in food insecurity “No Honey Bees, No Food, No Future”. So there is dire need for financing and promoting Apiculture/bee keeping activities to maintain the ecological balance of the planet as well as in order 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 cosmetics industry, polishing industry and pharmaceutical industry etc.
  4. Bee keeping helps to maintain nature.
  5. Bees are responsible for the production of many seed, 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 a good repayment behavior and familiar with beekeeping activities will be considered for such loan.
  2. Applicant must be 18-60 years of age.
  3. Applicant should not be defaulter of any other Financial Institution.
  4. Clear e-CIB Report from
  5. Obligor’s Risk Rating (ORR) upto 4
Documents Required

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

Maximum Loan Limit

Upto Rs. 2.500 million per borrower/party.

Borrower’s Contribution

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


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 mark up on development loans is applicable with 3% rebate on timely repayment of loan.

Sanction of Loan

Loan under the scheme would be sanctioned by Central Loan Sanctioning Department upto      Rs. 2.500 million.


After execution of legal documents loan would be disbursed through current account of the borrower.

Repayment Schedule

Loan would be recovered within 07 years in half yearly installments commencing one year after first disbursement.


Close monitoring would be carried out by the respective Bank authorities.


Agriculture Loan Schemes

Finally! Good News coming your Way…

ZTBL to launch Internet & Mobile App soon