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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.
Biofloc fish farming is one of the successful and most profitable businesses in Pakistan. Pakistan not only fulfills its domestic requirements of consumption of different fish species but is also able to fulfill orders from abroad. Conventional fish farming is quite expensive and less productive in contrast to Biofloc fish farming.
Biofloc Technology (BFT) is an environment-friendly technique used for the production of situ microorganisms. These microorganisms are produced as hygienic food for the fish species. Because of this technique, fish farming requires zero or minimum exchange of water. This technique helps in balancing the level of Nitrogen and Carbon in the water which are really essential for the production of microorganisms and bacteria so that the fish species could be developed on natural feed and cost be saved on artificially produced. The introduction of this new idea can change the farming trends and bring about a farming revolution in the country.
Keeping in view the above, the management of the Bank is pleased to introduce the titled scheme.
consumption of fish species but also able to fulfill orders from beyond the borders. Conventional fish farming is quite expensive and unproductive in contrast to Biofloc fish farming. Biofloc Technology (BFT) is an environment-friendly technique used for the production of fish. The introduction of this new idea can change the farming trends and bring about a farming revolution in the country.
Keeping in view the above, the management of the Bank is pleased to introduce the titled scheme.
Terms & Conditions
| Operational Jurisdiction | The scheme will be applicable across the country. |
| Eligibility |
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| Documents Required | CNIC Copy, Loan application, Agri. Passbook/Fard Jamamadi & 2 recent photographs. |
| Maximum Loan Limit | Rs.5.000 million per borrower/party |
| Borrower’s Contribution | 10% of the loan amount will be deposited by the borrower as self-contribution. |
| Collateral | All tangible securities are acceptable to the Bank. |
| Cost of Credit | As per Bank’s rules |
| Repayment Schedule | The loan will be recovered within 5 years in half-yearly installments with a grace period of one year |
| Rate of Mark Up | The prevailing rate of markup on development loans with a 3% rebate on timely repayment of loans is applicable. |
| Sanction of Loan | Loans under the scheme will be sanctioned by Central Loan Sanctioning Department (CLSD) up to Rs. 2.500 million per borrower/party and over & above by Head Office Credit Committee. |
| Monitoring | Close monitoring would be carried out on monthly basis by the respective Bank Authorities. |
