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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.
Zarai- Islamic Trout Fish Farming Financing
Gilgit Baltistan region is rich in scenic beauty but due to its nature of mountainous region, the availability of Land is an issue and the resources are scarce, however Trout Fish has a natural habitat which is suited in GB Region therefore ZTBL Islamic Banking is offering Riba Free Financing for trout fish farming in Pakistan, which offers financing for activities like pond construction, feed, and equipment.
To support the residents of GB Region by Investing in Trout Fish Farming.
Maximum financing limit shall be PKR 1.500 Million per customer or as per approved prevailing financing limit.
Zarai- Islamic Dairy Value Chain
The dairy sector is one of Pakistan’s most versatile and largest economic sectors of Pakistan. ZTBL Islamic Banking is envisaged to provide Riba Free Financing Solution to the Dairy Farm owners which aims to address challenges such as low milk yields and an inefficient supply chain by providing accessible financing facility to enhance productivity and formalize the sector. The activities such as Construction of Sheds (RCC), Purchase of Dairy Animals, Milk Chilling Unit/Tank, Water Tank, Feed Grinders/Machines, Feed/Milk Containers, Pump Financing, Plantation of Animal Fodder, Purchase of Feed for Animals and Vaccination/Medication for Dairy Animals are included in this financing
To support the farmers of Pakistan in maintaining Dairy Farms and related activities.
Maximum financing limit shall be PKR 2.500 Million per customer or as per approved prevailing financing limit.
ZTBL- Islamic Loader Rickshaw Financing
ZTBL Islamic Banking has launched Riba Free Financing solution for Three wheeler Loader Rickshaw to facilitate the farmers in transporting their produce from farm to market and input needs from market to farm in addition to improving their savings to benefit the farming community.
To support the farmers of Pakistan in delivering their produce to end users or market using the three-wheeler Loader Rickshaw
Maximum financing limit shall be PKR 0.500 Million per customer or as per approved prevailing financing limit.
ZTBL-Islamic Tractor Financing
The tractor is a farm vehicle. Tractors have traditionally been used on farms to mechanize several agricultural tasks. Agriculture implements are to be mounted on the tractor and it may also provide a source of power if the implement is mechanized. A farm tractor is used for pulling and pushing agriculture machinery. It is used for plowing, tilling, disking, harrowing, landscape maintenance, moving or spreading fertilizer, clearing bushes, and planting fields.
Keeping in view the above benefits, ZTBL Islamic Banking is providing Riba-Free Financing facilities to farmers for the purchase of tractors.
To support the farmers of Pakistan in expanding their farming capabilities and enhancing their produce by using tractor and its implements.
Maximum financing limit shall be PKR 2.500 Million per customer or as per approved prevailing financing limit.
ZTBL-Islamic Rice Transplanter Financing
Zarai Taraqiati Bank Limited (ZTBL) Islamic Banking offers various agricultural development financing solutions that can be utilized for the purchase of farm machinery, including rice transplanters, aiming to modernize farming practices and enhancing productivity, which are specifically geared towards supporting small and subsistence farmers in adopting advanced agricultural technologies.
To support the farmers of Pakistan in expanding their rice growth capabilities by using rice transplanters.
Maximum financing limit shall be PKR 4.600 Million per customer or as per approved prevailing financing limit.
Islamic Milk Chilling Unit Financing
Zarai Taraqiati Bank Limited (ZTBL) offers financing for milk chilling units as part of its broader support for the dairy and livestock sectors. Recognizing the importance of Sharia-compliant options, ZTBL has also launched Islamic banking operations to provide interest-free financing based on models like Musharaka and Mudaraba, catering to farmers seeking faith-conscious financial solutions.
To facilitate the modernization and development of the dairy sector in Pakistan and ultimately enhance milk production and rural economic empowerment.
Maximum financing limit shall be PKR 1.500 Million per customer or as per approved prevailing financing limit.
Islamic Solar Energy System and Bio Gas Plant Financing
ZTBL Islamic Banking has introduced financing for Solar Energy and Bio Gas Plant Financing to facilitate our farmers in achieving reliable and cheap source of electricity to empower their growth in farming and other non-farming activities. The Solar Financing includes financing for Tube-wells, Energy Pumps, Solar Financing for sheds or any other activity related to agriculture only. Bio Gas Plant Financing is for financing Bio Gas Plants.
The scheme would help the farmers to have easy access towards financing and to facilitate farmers in availing agriculture financing for agriculture land development through alternate/renewable energy.
Maximum financing limit shall be PKR 2.500 Million per customer or as per approved prevailing financing limit.
Zarai Islamic Yak Farming Financing
ZTBL Islamic Banking Group is envisaged to provide Shariah Compliant financing products to the agriculture community of Pakistan in order to enable the farmers at grass root level to opt for the Riba free modes of financing. Accordingly, Zarai Islamic Yak Farming Financing is introduced. The purpose of the product is to provide financing facility to the customers of Gilgit Baltistan Region through financing structure of Sale & Lease arrangements of customer land. Initially sale agreement between the bank and the farmer will be executed. The farmer will be provided sale proceeds of the land for the purchase of Yak animal, thereafter, the sold portion of the land will be leased back to the farmer through execution of Ijarah agreement.
Financing will be provided to support the residents of Gilgit Baltistan in establishing and expanding yak farming. This initiative aims to promote sustainable livelihoods through the production of yak meat and yak leather, catering to both local consumption and commercial opportunities
Maximum per party financing limit shall be as per prevailing bank policy. Currently the maximum credit ceiling of on yak animals shall be as under:
| Name of Animal | Revised Rates |
|---|---|
| Yak Animal | Upto Rs. 125,000/- per head |
| Calf of Yak | Upto Rs. 40,000/- per head |
Zarai Islamic Khawateen Rozgar Scheme for Women Empowerment
“Zarai Islamic Khawateen Rozgar Scheme” is introduced for women empowerment to facilitate women farmers/ clients involved in Non-Farm as well as Farm Business as defined in Prudential Regulations.
The objective is to provide a financing facility to the women community of Pakistan in elevating their financial position through provision of necessary funds.
To minimize the gender gap and to encourage women to participate in financial activities
Maximum financing limit shall be PKR 2.5 Million per customer
Financing for “Establishment of Agri. Tourist Outlet & Orchards”
Tourism has played a major role in the development of Hill Stations especially in the Gilgit-Baltistan Region. In order to promote tourism, ZTBL IBG has developed a financing product for the establishment of Tourist Outlets as well as for establishment of Orchards of different kinds.
The main objective of this product is not only to help farmers to establish orchards of different kinds but also tourism outlets with small sitting arrangements etc. in their farms/orchards for tourists to attend and may buy fresh produce directly from the orchard/tree.
To support the Tourism Industry at grass root level.
Maximum financing limit shall be PKR 2.5 Million per customer.
Zarai Islamic Livestock for Meat Financing
Pakistan’s economy is predominantly agrarian. Livestock being the largest sub-sector of the agriculture accounts for approximately 60% of value addition. The purpose of the circular is to convert conventional financing into Islamic Financing through Sale & Lease back arrangements of the customer land. Initially sale agreement between the bank and the farmer will be executed for the land of the farmer. The farmer will be provided Sale proceeds of the land and the sold portion of the land will be leased back to the farmer through execution of Ijarah agreement.
To support livestock sector for meat production.
Maximum per party financing limit shall be as per prevailing bank policy. Currently the maximum credit ceiling of the animals shall be as per Credit Policy Department Circular Letter No CD/12/2025/ dated September 2, 2025.
In case of change in the credit ceiling of yak animals, the prevailing guidelines shall be followed.
