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Zarai Taraqiati Bank Limited (ZTBL) erstwhile Agricultural Development Bank of Pakistan (ADBP) is the premier financial institution geared towards the development of agriculture sector through provision of financial services and technical know how.
Zarai Taraqiati Bank Limited (ZTBL) erstwhile Agricultural Development Bank of Pakistan (ADBP) is the premier financial institution geared towards the development of agriculture sector through provision of financial services and technical know how.
In order to meet the demands/needs of farmers and agri-entrepreneurs, ZTBL strives to take initiatives in introducing innovative development/production schemes to help small farmers overcome their financial needs and earn a decent living for their families, food security issues and poverty alleviation among rural population.
Our deposit products range from Current/ Savings account, term deposits to meet your daily banking needs through our vast branch network spread across the country.
The premier financial institution geared towards the development of agriculture sector through provision of financial services and technical know-how.
Our wide Branch network of 501 Branches ( Conventional & Islamic) to meet your Banking needs within your vicinity.
In a joint initiative, the Government of Pakistan and the State Bank of Pakistan (SBP) have introduced the “Zarkhez-e” Assan Digital Zarai Qarza, designed to extend financial support to farmers cultivating leased or shared land, ensuring access to credit beyond land ownership.
The objective of this scheme is to provide financing that promotes sustainable agriculture and rural uplift, enhance food security, increase productivity, and contributes to economic growth, thereby fostering inclusive and resilient rural development.
As a participating bank in the scheme, ZTBL has rolled out its own program with the following key features:
| Operational Jurisdiction | The scheme will be applicable in all ZTBL branches located across the country. |
| Eligibility Criteria & Required Documents |
The farmers should meet the following general criteria:
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| Mechanism of Application |
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| Procedure & Conditions for Loan |
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| Maximum Loan Limit |
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| Tenure of Facility |
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| Collateral | Clean financing with no security requirements. |
| Documentation Charges | The processing fee of Rs. 1,200/- shall be paid by the applicant through online portal to cover necessary costs of PMD, NADRA, LIMS verification etc. |
| Scorecard |
Loan approval will be granted subject to the scorecard assessment, requiring a minimum qualifying score of 60%. Score card snapshot is:
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| Rate of Mark-Up | Markup rate for this scheme is 06 months KIBOR offer rate + 8% p.a. with Minimum Pricing Floor of 18%. |
| Sanction of Loan | Loan under the scheme shall be sanctioned by the Credit Review Department (CRD) at Head Office. |
| Repayment Schedule |
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| Utilization | Proper utilization of loan would be ensured by checking utilization of loan by the MCO as per the guidelines given in Credit Manual Vol I. In case of mis-utilization the loan would be recalled in lump sum as per Bank’s instructions. |
| Monitoring | GMs and RBHs, will closely monitor the scheme. Regional Manager Recovery (RMR) will manage recoveries at Region level and will also ensure the timely renewals of regular accounts from the approving authority by Branch Manager to ensure continuity of the facility and also to avoid classification of such loans. |
