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Transport Three Wheeler Loader Rickshaw

To facilitate the farmers in transporting their produce from farm to market and input needs from market to farm in addition to improving their savings, ZTBL has decided to introduce the subject product to benefit the farming community.

Terms & Conditions:

Operational Jurisdiction The scheme will be applicable throughout the country.
Eligibility Criteria
  1. All new as well as old creditworthy farmers are eligible to get financing under the scheme, however, preference will be given to those farmers who are already engaged in this business/activity.
    Clear e-CIB Report from SBP.
  2. Obligor’s Risk Rating (ORR) up to 4.
Documents Required

CNIC Copy, Loan Application, Agri.Pass Book/Fard Jamabandi, 2 recent photographs.

Maximum Loan Limit

Up to Rs. 1.000 million per borrower/party.

Borrower’s Contribution

10% of the cost of the Loader Rickshaw will be deposited by the borrower as self-contribution/equity.


Tangible properties owned by the borrowers as per the policy of the Bank.

Cost of Credit

As per Bank’s Rules.

Rate of Mark Up

The prevailing rate of markup on development loans with a 3% rebate on timely repayment is applicable.

Sanction of Loan

The loan would be sanctioned by the Central Loan Sanctioning Department (CLSD).

Disbursement of Loan

The loan for a farm transport vehicle is disbursed by issuing a pay order/demand draft in favor of the manufacturer/dealer.

Registration & Insurance

Three Wheeler Loader Rickshaw will be jointly registered in the names of the Bank & the borrower and comprehensively insured by an “A” rated insurance company.

Repayment Schedule

The loan will be recovered within 05 years in half-yearly installments with a grace period of six months.


Strict monitoring would be exercised by ensuring checking of utilization by the Bank Authorities.