In order to empower the rural women to play significant role in agri. activities by increasing family income & to contribute towards GDP, the subject titled scheme has been introduced in all branches of the Bank.
Terms & Conditions
| Operational Jurisdiction | All ZTBL branches across Pakistan. |
| Eligibility | All new/old creditworthy rural women having technical know how and capacity to repay are eligible to get financing for farming and non-farming activities. |
| Documents Required | CNIC Copy, Loan Application, Agri.Pass Book/Fard Jamabandi, 2 recent photographs. |
| Maximum Loan Limit | The maximum loan limit per borrower/party for secured loan is Rs. 0.500 million and for surety loan upto Rs. 25,000/- per borrower/party |
| Borrower’s Contribution | 10% of the loan amount will be deposited by the borrower as self-contribution. |
| Collateral | As regards security, tangible properties owned by the borrowers and in case of its non-availability, parents/family member’s property can be accepted as a co-applicant. Personal surety/guarantee may also be accepted as per standing instructions of the Bank. |
| Cost of Credit | As per Bank’s rule. |
| Repayment Schedule | PProduction & development loans are recoverable within 18 months and 5 years respectively in half yearly installments according to the cash flow of the scheme. |
| Rate of Mark Up | The prevailing rate of mark up on production & development loans with 3% rebate on timely repayment is applicable. |
| Monitoring | Close monitoring is carried out by the MCOs, Branch Manager and respective Zonal Chief of the area. |
Urdu (Khawateen Rozgar Scheme)
