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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.
Financing Product for Raw Sugar (Jaggery/Shakkar) Making, Processing, and Packaging
Raw Sugar (jaggery/shakkar) is a healthier and better alternative of white sugar. According to the research carried out in the world, white sugar is damaging human health and labeled as “white poison”. ZTBL is already providing loaning facilities to farmers under Soghat-e-Shireen Scheme for “Gur Making”. Loaning facilities can also be provided on similar grounds for raw sugar making as well. ZTBL will try to provide linkages to farmers for marketing of their produce either by contact with utility stores or super markets etc. or by exploring suitable parties for buying of raw sugar for further marketing.
Terms & Conditions
| Operational Jurisdiction |
The scheme will be applicable throughout the country. |
| Eligibility Criteria |
i) All credit worthy farmers of above area are eligible to get financing under the scheme. Scheme will be effective in such sugarcane growing areas only where no restriction has been imposed by Federal or any Provincial Government on set up of such project. |
| Items to be Financed |
Cane Crusher, Shakkar Grinder/Powder Making Machine, Boiling Plates, Juice Storage Box, Generator and Packaging Material etc. |
| Documents Required |
CNIC Copy, Loan application, Agri. Pass Book/Fard Jamabandi & 2 recent photographs |
| Maximum Loan Limit |
Upto Rs. 5.000 million per borrower/party. |
| Borrower’s Contribution |
10% of project cost or the amount over and above the Bank’s maximum per borrower/party exposure will be invested by the borrower towards the project as equity |
| Collateral |
The loan would be secured against all types of securities acceptable to the Bank. In case of its non-availability, parents/family member’s security can be accepted as a co-applicant. |
| Cost of Credit |
As per Bank’s Rules. |
| Rate of Mark Up |
The prevailing rate of mark up on development loans with 3% rebate on timely repayment is applicable. |
| Sanction of Loan |
Loan under the scheme will be sanctioned by Central Loan Sanctioning Department (CLSD) upto Rs. 2.500 million and over & above by Head Office Credit Committee. |
| Repayment Schedule |
Loan will be recovered within 05 years in half yearly installments with grace period of 6 months. |
| Monitoring |
Close monitoring would be carried out by the respective Bank authorities. |
