Khawateen Rozgar Scheme

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.


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 Case File, 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.


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 is applicable. (as the case may be).


Close monitoring is carried out by the MCOs, Branch Manager and respective Zonal Chief of the area.


Agriculture Loan Schemes

Ye Hoye Na Baat !!!

Abb ghar baithay ZTBL may Bank account kholo …