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Khawateen Rozgar Scheme

To empower the rural women to play a significant role in agri. activities by increasing family income & contributing 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 Jamamadi, 2 recent photographs.
Maximum Loan Limit The maximum loan limit per borrower/party for a secured loan is Rs. 0.500 million and for surety loans up to 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 are owned by the borrowers, and in case of their non-availability, parents’/family members’ 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 Production & 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 markup on production & development loans with a 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.

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