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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.
Rice is one of the five major crops of the Country and considered as s staple food. Rice cultivation is a tedious, laborious and time taking process. Mechanization practices in Rice cultivation can save the time and farmer’s operation will become simple & easy and will enhance productivity with speed.
For this purpose, Rice Transplanter is simple, easy and opening the door to a new dimension of rice transplanting & professional agricultural excellence. Rice Transplanter is 20 times more efficient than manual transplanting. ZTBL may arrange financing options for their potential customers as per their farming requirements. Through approved and registered dealers ZTBL can extend finance/insurance schemes based on the farmer’s eligibility.
Terms & Conditions
| Operational Jurisdiction | Pilot in Sialkot, Gujranwala, Sargodha, Sheikhupura, Larkana, Sukkur & Dera Ismail Khan Zones. |
| Eligibility Criteria | i) Farmers having appropriate self-owned & self-possessed agri. land to cover the cost of Rice Transplanter are entitled to avail the facility of loan for purchase of said new machine through approved dealers/suppliers. ii) Clear e-CIB Report from SBP iii) Obligor’s Risk Rating (ORR) upto 4 |
| Items/Product to be Financed | Rice Transplanter |
| Documents Required | CNIC Copy, Loan Application, Agri. Pass Book/Fard Jamabandi, 2 recent photographs.. |
| Maximum Loan Limit | Upto 4.600 Million per borrower/party. |
| Borrower’s Contribution | 10% of the loan amount will be deposited by the borrower as self-contribution. |
| 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 banks loans will be charged with 3% rebate on timely repayment of loan. |
| Sanction of Loan | The Loan under the scheme would be sanctioned by Central Loan Sanctioning Department upto Rs. 2.500 million and over & above by Head Office Credit Committee. |
| Repayment Schedule | Loan would be recovered within 08 years in half yearly installments with grace period of six (06) months. |
| Monitoring | Close monitoring would be carried out by the respective Bank authorities. |
