Electronic Warehouse Receipt Financing Scheme (for rice and maize crop)

In order to address the food security challenges, massive investments in agricultural infrastructure, production trade and processing is taking place across the world. Warehouse receipt financing can play a pivotal role to protect the farmer’s compulsion to sell their product immediately after harvest and collateralized commodity transaction stand itself security for the loan.

The commodities are stored in a licensed warehouse that issues a receipt proving that the commodities are physically placed in the warehouse. This receipt forms the basis of the financing.

The main objective of the scheme is to extend post-harvest financing to small farmers to fulfill their crop production needs through Electronic Warehouse Receipts (EWHR).

Terms & Conditions

Operational Jurisdiction

As a pilot project, the scheme has been launched for branches falling under districts of the country i.e. Okara, Kasur, Hafizabad & Sheikhupura districts

  1. The farmers who possess warehouse receipt issued by Naymat Collateral Management Company Limited (NCMCL) after meeting all its requirements.
  2. All creditworthy farmers.
  3. Clear CWR
  4. ORR rating up to 4.
Documents Required

CNIC Copy, Loan application, Electronic Warehouse Receipt (EWR) & 2 recent photographs

Maximum Loan Limit

Rs. 1.200 million per borrower/party.

Bank’s financing will be 70% of the stock value declared by CMC/Warehouse on EWR. Minimum 30% margin on the stock value to be maintained.

Tenure of Loan

Under this scheme, the time horizon for Bank’s exposure would be ranging from and not exceeding than one year.


Electronic Warehouse Receipt (EWR) issued by Naymat Collateral Management Company Limited (NCMCL), Bank’s lien on Electronic Warehouse Receipt, Personal Guarantee of the depositor/borrower.

Cost of Credit

As per standing instructions of the Bank.

Repayment Schedule

The loan under the scheme will be recovered in lump sum within one year of disbursement.

Rate of Markup

The prevailing rate of mark up on production loans would be applicable with 3% rebate on timely repayment of loan.


Close monitoring would be carried out on monthly basis by establishing real time liaison with Naymat Collateral Management Company Limited (NCMCL) by respective Branch Manager, Zonal Chief and Credit Operations Department. Internal Auditors of the Bank would also closely watch its progress and effective implementation.

Related Documents

Urdu (Warehouse Receipt Financing Scheme) Urdu (Warehouse Receipt Financing Scheme)

Agriculture Loan Schemes

Finally! Good News coming your Way…

ZTBL to launch Internet & Mobile App soon