Jurisdiction

1. Small and marginalized landless farmers/tenants in flood-affected areas cultivating with (i) 5 acres for irrigated land or (ii) 10 acres for rain-fed land.
2. Clear e-CIB Report from SBP.
3. Obligor’s Risk Rating (ORR) up to 4.
4. Not a defaulter of ZTBL or any other Financial Institution.

1. Loan Application.
2. Valid CNIC.
3. Recent Photographs (2).
4. Kasra Gurdwara/Field Book (copy of the last crop cultivated) as proof of the cultivator.
5. Surety Bond.
6. Fard Jamamadi of land offered by sureties/guarantors.

1. Surety bond by the applicant with a maximum of two sureties, preferably Namberdar or a Notable Person in the area.
2. Surety of a person owning immovable property, worth 2 times the amount of loan, can be accepted. Thus, a solvent person can stand surety to the extent of 50% of the assessed value of his property.
3. A permanent employee of the Federal/Provincial Government is also eligible to stand surety for one case only up to the limit of three times his substantive pay.
4. The surety of a relative can be accepted.
5. A person being a guarantor for loans to another person cannot apply for this scheme.
6. A landlord can also stand surety for his two tenants provided it is ensured that the loan will be used by the tenants for the land under their cultivation.
7. No guarantee/surety can be accepted from a borrower who is a defaulter of ZTBL or any Bank/ financial institution.