Rural Development Scheme for AJ & K

In order to provide credit assistance for establishment of around 300 dairy units in the rural areas of Azad Jammu & Kashmir (AJ&K), ZTBL has introduced the captioned scheme for small farmers of AJ&K Mark-up on loan given by the Bank to borrowers will be borne by Livestock and Dairy Development Department, AJ&K.

The key objective of the scheme/Project is to enhance the productivity of existing livestock resource in private sector as well as development of new technology and improvement of livestock infrastructure in AJ&K.

Terms & Conditions

Operational Jurisdiction:

Scheme will be operative in the entire area of Azad Jammu & Kashmir through network of ZTBL Muzaffarabad Zone and Livestock & Dairy Development Department, AJ&K.

Eligibility Criteria

Borrowers recommended by Livestock & Dairy Development Department, AJ&K would be eligible for availing loan facility under the scheme.

Documents Required

CNIC Copy, Loan Case File, Agri.Pass Book/Fard Jamabandi & 2 recent photographs

Maximum Loan Limit

Maximum Loan upto Rs.10,00,000/- for 5 milch animals @ Rs.200,000/- per milch animal  would be provided by the Bank to the borrowers registered with the Department.


The borrowers will provide security/collateral of the loan as per Bank’s policy.


The scheme will remain applicable / effective for 5 years (60 months) from the date of agreement to the completion of the scheme/project and will be extended with mutual consent.

Cost of Credit

As per Bank’s Rules

Sanction of Loan

The loan would be sanctioned by the Branch Manager/Chief Manager up to Rs.1.000 million under this specific scheme.

Repayment Schedule

Loan will be recovered within 05 years in quarterly installments commencing six months after 1st disbursement of loan.

Rate of Mark Up:

Mark-up of loans under the scheme will be charged by ZTBL @ 16.80% p.a. payable by Livestock and Dairy Development Department, Azad Govt. of AJ&K, in case of delayed payment of principal amount by the borrower, the borrower himself/herself will be responsible to pay the additional amount of the mark-up for delayed period and any charges levied by the Bank.


All animals reared in dairy units will be insured. Insurance cost/premium will be paid by the Bank under its Dairy/Livestock Insurance Scheme.


The said project/scheme will jointly be monitored by the Bank and Livestock and Dairy Development Department, AJ&K.

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