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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.
INTRODUCTION:
Fruit and vegetable dryers are available for batch drying application. The drying cycles are extremely flexible. Time, temperature and air volume can be adjusted within a given cycle to meet precise product specifications. This makes the tray dryers ideal for operations that require drying a wide variety of fruit & vegetables products, particularly those with long retention times.
MINIMUM SPECIFICATIONS:
The tray design is available to handle at least 1000 kg fresh mango fruit slices and other fruit & vegetable products with a moisture content of 84 to 86%. After processing the moisture of finished products will be 15-17%. The removal of moisture will take 12-18 hours’ period depending upon product moisture & temperature setting. The dryer is able to maintain temperature of 50-90 degree Centigrade with a digital temperature control. The dryer has the ability to set two temperatures. It can be run on LPG and Natural Gas Automatic Heating Systems.
The product is available in various sizes – 18 Trays, 25 Trays, 50 Trays, 75 Trays and 150 Trays.
| 1) Operational Jurisdiction | The scheme will be applicable in all branches of ZTBL where fruits & vegetables are grown. |
| 2) Eligibility Criteria |
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| 3) Maximum Loan Limit | The maximum loan limit under the scheme would be upto Rs. 2.500 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, parent’s/family member’s security can be accepted as a co-applicant. |
| 6) Cost of Credit | As per Bank’s Rulres. |
| 7) Rate of Mark up | The prevailing rate of mark up on development loans would be applicable. However, 3% rebate would be allowed on timely repayment. |
| 8) Sanction of Loan | Loan under the scheme would be sanctioned by Central Loans Sanctioning Department (CLSD). |
| 9) Repayment Schedule | Loan would be recovered within 8 years in half yearly installments with grace period of six (06) months. |
| 10) Monitoring | Close monitoring would be carried out by the respective MCO & Branch Manager. |
