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Raw Sugar (Jaggery/Shakkar) Making, Processing and Packaging

Raw Sugar (jaggery/shakkar) is a healthier and better alternative to white sugar. According to research carried out around the world, white sugar is damaging human health and is labeled as “white poison”. ZTBL is already providing loaning facilities to farmers under Soghat-e-Shireen Scheme for “Gur Making”. Loaning facilities can also be provided on similar grounds for raw sugar making as well. ZTBL will try to provide linkages to farmers for marketing of their produce either by contact with utility stores or supermarkets etc. or by exploring suitable parties for buying raw sugar for further marketing.

Terms & Conditions:

Operational Jurisdiction

The scheme will be applicable throughout the country.

Eligibility Criteria

1.     All credit-worthy farmers of the above area are eligible to get financing under the scheme. The scheme will be effective in such sugarcane growing areas only where no restriction has been imposed by the Federal or any Provincial Government on the setup of such a project.
2.   Clear e-CIB Report from SBP.
3. Obligor’s Risk Rating (ORR) upto 4.

Items to be Financed

Cane Crusher, Shakkar Grinder/Powder Making Machine, Boiling Plates, Juice Storage Box, Generator and Packaging Material, etc.

Documents Required

CNIC Copy, Loan application, Agri. Pass Book/Fard Jamabandi & 2 recent photographs.

Maximum Loan Limit

Up to Rs. 5.000 million per borrower/party.

Borrower’s Contribution

10% of project cost or the amount over and above the Bank’s maximum per borrower/party exposure will be invested by the borrower towards the project as equity.


The loan would be secured against all types of securities acceptable to the Bank. In case of its non-availability, parents/family members’ 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 with a 3% rebate on timely repayment is applicable.

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.

Repayment Schedule

The loan will be recovered within 05 years in half-yearly installments with a grace period of 6 months.


Close monitoring would be carried out by the respective Bank authorities.