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Asan Qarza Scheme

To engage youth in national development, who form a major segment of the rural population in Pakistan, and to raise their living standard and check their migration to urban areas, it has been decided to launch the “Asan Qarza Scheme”.

Terms & Conditions:

Operational Jurisdiction All ZTBL branches across Pakistan.
Eligibility All creditworthy & reputable youth with an age limit from 18-35 years can repay and are eligible to apply for a large number of activities under this scheme.
Documents Required CNIC Copy, Loan Application, Agri.Pass Book/Fard Jamamadi, 2 recent photographs.
Maximum Loan Limit Rs.0.500 million per borrower/party.
Borrower’s Contribution 10% of the loan amount will be deposited by the borrower as self-contribution.
Collateral Tangible properties owned by the borrowers as per the policy of the Bank. In case rural youth have no security their parents/family member’s property can be accepted as a co-applicant.
Repayment Schedule The loan is recoverable within 5 years in half-yearly installments.
Rate of Mark Up The prevailing rate of markup on development loans with a 3% rebate on timely repayment is applicable.
Monitoring Strict monitoring is exercised by ensuring checking of utilization by the MCO in 100% of cases and sample checking of utilization by the Manager, Zonal Manager (Recovery), and Internal Auditors of the Bank.

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