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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.
Small farmers do not have the economic strength to retain their produce with them till the market prices are congenial and favorable. Hence to promote capacity building in the shape of storage & packaging facilities for the farming community & to prevent the wastage of farm produce, the management of the Bank is pleased to introduce the titled scheme.
Terms & Conditions:
| Operational Jurisdiction | The scheme will be applicable throughout the country where no restriction is imposed by the Federal/Provincial Government. |
| Eligibility |
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| Documents Required | CNIC Copy, Loan application, Agri. Pass Book/Fard Jamabandi & 2 recent photographs. |
| Maximum Loan Limit | Rs.5.000 million per borrower/party. |
| Collateral | All tangible securities are acceptable to the Bank. |
| Cost of Credit | As per Bank’s rule. |
| Repayment Schedule | The loan will be recovered within 10 years in half-yearly installments commencing one year after the disbursement. |
| Rate of Mark Up | The prevailing rate of markup on development loans with a 3% rebate on timely repayment of loans is applicable. |
| Borrower’s Contribution | 10% of the loan amount will be deposited by the borrower as self-contribution. |
| Sanction of Loan | Loans under the scheme will be sanctioned by Central Loan Sanctioning Department (CLSD) up to Rs. 2.500 million and over & above by Head Office Credit Committee. |
| Monitoring | The loan shall strictly be monitored every month till completion of the Godown by the MCO/Manager of the concerned branch and thereafter on a half-yearly basis if the borrower/party fails to repay the loan in time. |
