image Accessibility
(051) - 111 - 30 - 30 - 30

Women Empowerment in Garments Sector

In order to empower women of the underdeveloped areas in the country by providing employment opportunities, ZTBL will extend its loaning facilities to such areas of the country where women are already working in the progression of garment sector e.g., Hand embroidered Phulkari Chadars in Multan & Bahawalpur and embroidered ladies suits in Hyderabad. Bank will try to provide linkages for marketing through some NGO etc or by providing some outlet for their produce.

Hence, to start support services in this sector, raw materials such as fabric, thread and other materials could be provided to the specific community by making small groups of women in that area or alternatively, they may be provided a proper working place to make products in a uniform manner.


Operational Jurisdiction The scheme would be applicable across the country.
Eligibility Criteria
  1.  All credit-worthy women in the above areas are eligible to get financing under the scheme. However, preference will be given to those who already have experience in the garment sector. The loan will be disbursed to a group of 3-4 woman workers in the form of a group partnership.
  2.  Clear e-CIB Report from SBP.
  3.  Obligor’s Risk Rating (ORR) up to 4.
Items for Financing
  1. Stitching Machine.
  2. Fabric (White & Coloured).
  3. Materials (Threads, mirrors/embellishments, frame of embroidery, sewing needles with sewing box).
  4. Packing material of garments.
Documents Required CNIC Copy, Loan application, Agri. Pass Book/Fard Jamabandi & 2 recent photographs.
Maximum Loan Limit Up to 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 of up to Rs. 5.000 million will be invested by that borrower towards the project as equity.
  1. Agri. land in the shape of Pass Book/Fard Jamabandi in the name of women borrowers or in case of its unavailability, parent’s/family member’s security can be accepted as a co-applicant.
  2. Social security in the form of a Personal Guarantee for 3-4 borrowers.
Cost of Credit As per the 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 Loans under the scheme will be sanctioned by the Central Loan Sanctioning Department (CLSD) up to Rs. 2.500 million and over and above by the Head Office Credit Committee.
Repayment Schedule The loan will be recovered within five years in half-yearly installments with a grace period of six months.
Monitoring Close monitoring would be carried out by the respective Bank authorities.