Accessibility
Accessibility
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.
Digital marketing is one of the popular concepts and methodologies used in today’s business world. Digital marketing also called online marketing, is the promotion of brands to connect with potential customers using the Internet and other forms of digital communication.
The literacy rate of Gilgit-Baltistan is considerably high than other parts of the country and after the inception of 4G services across Gilgit-Baltistan, the tendency for the usage of internet services have been increased manifold. On the other hand, world top class fruits like cherry, almond, apricot, pine net, pear, etc are widely produced and the wastage ratio is more than 30% due to the non-availability of an adequate marketplace.
Therefore, to capture this opportunity and provide business and employment opportunities in far-flung villages of Gilgit-Baltistan by marketing their fresh/dry fruits by establishing virtual online shops, a financing product with the title of “Digital Kissan Karobar Scheme (DKKS)” has been introduced.
Terms & Conditions:
| Operational Jurisdiction | The scheme will be applicable in all branches falling under ZTBL Gilgit-Baltistan Zone. |
| Eligibility Criteria |
|
| Maximum Loan Limit | The maximum loan limit under the scheme would be up to Rs. 2.500 million per borrower/party. |
| Borrower’s Contribution | 10% of the loan amount will be deposited by the borrower as self-contribution or invested towards the project. |
| Collateral | The loan would be secured against all types of tangible securities acceptable to the Bank. In case of its non-availability, the parent’s/family member’s security can be accepted as a co-applicant. |
| Cost of Credit | As per Bank’s Rules. |
| Rate of Mark up | The prevailing rate of markup on development loans would be applicable. However, a 3% rebate would be allowed on timely repayment. |
| Sanction of Loan | Loans under the scheme would be sanctioned by Central Loans Sanctioning Department (CLSD). |
| Disbursement | After execution of legal documents loan would be disbursed through the deposit account of the borrower. |
| Repayment Schedule | The loan would be recovered within 5 years in half-yearly installments with a grace period of six (06) months. |
| Monitoring | Close monitoring would be carried out by the respective MCO & Branch Manager. |
