Accessibility
Accessibility
Zarai Taraqiati Bank Limited (ZTBL) erstwhile Agricultural Development Bank of Pakistan (ADBP) is the premier financial institution geared towards the development of agriculture sector through provision of financial services and technical know how.
Zarai Taraqiati Bank Limited (ZTBL) erstwhile Agricultural Development Bank of Pakistan (ADBP) is the premier financial institution geared towards the development of agriculture sector through provision of financial services and technical know how.
In order to meet the demands/needs of farmers and agri-entrepreneurs, ZTBL strives to take initiatives in introducing innovative development/production schemes to help small farmers overcome their financial needs and earn a decent living for their families, food security issues and poverty alleviation among rural population.
Our deposit products range from Current/ Savings account, term deposits to meet your daily banking needs through our vast branch network spread across the country.
The premier financial institution geared towards the development of agriculture sector through provision of financial services and technical know-how.
Our wide Branch network of 501 Branches ( Conventional & Islamic) to meet your Banking needs within your vicinity.
Financing For Electric Chakki for Making Masalajaat (Chili, Dhanya, Zeera Etc.)
Spices/condiments are a daily need of households in Pakistan. There is a huge demand for different Masalajat like Chili, Dhanya, Zeera etc for daily use. The subject scheme is developed to fulfill the daily requirements of these Masalajat in ground form by providing grounding units to needy persons living near the market.
OBJECTIVE
The scheme would help the farmers to have easy access to credit and to facilitate the farmer’s enhancement of Agri. productivity in the country.
| 1)Operational Jurisdiction | The scheme will be applicable across the country. |
| 2)Eligibility
Criteria |
i). The creditworthy and reputable rural farmer having good repayment behavior will be considered for such a loan. Moreover, farmers have appropriate self-owned & self-possessed Agri. land to cover the feasibility of the subject scheme are entitled to avail of loan facility for the said purpose.
ii). Valid copy of CNIC. iii). Clear e-CIB report from SBP. iv). Obligors Risk Rating (ORR) to 4. |
| 3) Maximum Loan
Limit |
The maximum loan limit under the scheme would be up to Rs. 1.000 million per borrower/party. |
| 4) Borrower’s
Contribution |
10% of the loan amount will be deposited by the borrower as self-contribution or invested towards the project. |
| 5) Collateral | The loan would be secured against all types of tangible securities acceptable to the Bank. In case of its non-availability, the parent’s/family member’s security can be accepted as a co-applicant. |
| 6) Cost of Credit | As per Bank’s rules. |
| 7) Rate of Markup | The prevailing rate of markup on development loans would be applicable. However, 3% rebate would be allowed on timely repayment. |
| 8) Sanction of Loan | Loans under the scheme would be sanctioned by Central Loan Sanctioning Department (CLSD). |
| 9) Disbursement of
Loan |
After the execution of legal documents loan would be disbursed through Supply Order in the name of the manufacturing Company. |
| 10) Repayment
Schedule |
The loan would be recovered within 5 years in half-yearly installments with a grace period of six months. |
| 11) Monitoring | Close monitoring would be carried out by the respective MCO & Branch Manager. |
