• HomeProduct & ServicesAgriculture LoansFinancing for “Soya Bean Cultivation & Sesbania (Jantar) Fodder Cultivation” as Green Banking ProductsFinancing for “Soya Bean Cultivation & Sesbania (Jantar) Fodder Cultivation” as Green Banking Products

Financing for “Soya Bean Cultivation & Sesbania (Jantar) Fodder Cultivation” as Green Banking Products

In the light of “Green Banking Guidelines of State Bank of Pakistan (SBP)” and “Green Banking Policy of ZTBL” following two Green Banking Products have been developed by the Bank which will help in mitigating the harsh effects of climate change on agriculture, to conserve the natural resources like water, soil energy etc. The name of products is as follows:

Soya Bean Cultivation:

Soya bean is one of the most important oilseed crops in the world. It is used in the food industry for flour, oil, margarine, cookies, biscuit, candy, milk, vegetable cheese, lecithin and many other products. Climate change has badly affected the production of all crops due to shortage of water, so there is a dire need to grow such alternate crops. Soya bean restores the nitrogen in the soil, enriches the soil nutrients so fewer fertilizers are used for the next crop. It is also drought resistant crop and can survive under less water availability.

Sesbania (Jantar) Fodder Cultivation:

Sesbania (Jantar) crop is a Green Banking Product as it is used as a green manure crop restores soil fertility, fixing nitrogen in the soil and improve soil organic matter. Jantar crop helps reclaim degraded land and make it productive again. Jantar is a research based action together for producing salt tolerant fodder which benefits the land to improve productivity and lessen salinity. Jantar is a drought tolerant crop and can be suggested in the countries like Pakistan facing water scarcity issues. It not only improves physical properties but also helps in meeting nitrogen requirement of succeeding crop. Researchers recommending Jantar crop in all climate sensitive areas of the country.

Keeping in view the facts explained above, Bank has introduced the subject scheme for the farmers living across the country.

Terms & Conditions

Operational Jurisdiction

All ZTBL Branches across Pakistan.

Eligibility Criteria
  1. The creditworthy and reputable rural populace all over the country engaged in the farming activities is eligible to get financing under the said scheme. However, old borrowers having good repayment behavior would also be considered for such loan upon complete closure of previous loan.
  2. Applicant should not be defaulter of any other Bank
  3. Clear e-CIB Report from SBP
  4. Obligor’s Risk Rating (ORR) upto 4
Documents Required

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

Maximum Loan Limit

Upto Rs. 1.200 million per borrower/party.

Borrower’s Contribution

10% of the loan amount will be deposited by the borrower as self-contribution.


The loan would be secured against all types of securities acceptable to the Bank.

Cost of Credit

As per Bank’s Rules.

Rate of Mark Up

The prevailing rate of mark up on production loans is applicable with 3% rebate on timely repayment of loan.

Sanction of Loan

Loan under the scheme would be sanctioned by Central Loan Sanctioning Department upto      Rs. 1.200 million.


After execution of legal documents loan would be disbursed through current account of the borrower.

Repayment Schedule
  1. Loans disbursed for Rabi crops from 1st October to 31st December would be recoverable on 15th June and loans disbursed from 1st January to 31st March would be recoverable on 15th September with one-month grace period.
  2. Loans disbursed for Kharif crops from 1st April to 30th June would be recoverable on 15th December and loans disbursed from 1st July to 30th September would be recoverable on 15th March with one-month grace period.

Close monitoring would be carried out by the respective Bank authorities.


Agriculture Loan Schemes

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