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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.
Potato is a major crop of district Okara and is exported from Pakistan on a large scale. Small units for potato Packaging will increase the export as it will add value to the product of small farmers. Packaging Machines are easily available and accessible. Financing for the installation of these small units will improve the profitability, sustainability, and income of farmers as Pakistan earned over Rs. 300 M last year on potato export.
The scheme would help the farmers to have easy access to credit and to facilitate the farmers for enhancement of their agricultural productivity by adopting mechanization practices.
Terms & Conditions:
| Operational Jurisdiction | The scheme will be applicable throughout the country. |
| Eligibility Criteria |
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| 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) up to Rs. 2.500 million per borrower/party. |
| Disbursement of Loan | After execution of legal documents loan would be disbursed through Supply Order in the name of the manufacturing Company. |
| 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. |
