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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.
In the livestock sector, poultry production has its impact and value on the overall livestock market and in the GDP contribution. It is considered to be one of the most efficient and economical systems of production of animal protein. In Pakistan, Poultry has been playing a vital role in bridging the gap between the supply and demand of animal protein food of high biological value.
Golden/Misri Chicken poultry farming possesses bright prospects for future development given the easy and abundant availability of all the requisite inputs such as land, labor, and feed resources in rural areas and the lower cost of production as compared to commercial poultry. Organic breeds that are widely available in Pakistan are Golden/Misri, for having the advantage of being well adapted to the local environmental conditions (hot, cold, humid, dry, and rainy weather) and can live as scavenger birds and can be reared at a low cost.
Keeping in view the above, 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 the Federal/Provincial Government imposes no restrictions. |
| Eligibility Criteria |
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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. |
| Borrower’s Contribution | The borrower will deposit 10% of the loan amount as self-contribution. |
| Collateral | Borrower’s Contribution. |
| Cost of Credit | As per Bank’s rules. |
| Repayment Schedule | The loan will be recovered within 8 years in half-yearly installments commencing two years after the disbursement. |
| Rate of Markup | The prevailing rate of markup on development loans with a 3% rebate on timely repayment of loans is applicable. |
| Disbursement of Loan | After execution of legal documents, Loan for the poultry structure would be disbursed first in three equal installments after verification of proper utilization of each installment then a loan for purchasing Golden/Misri Chicks/Birds and meeting other operational expenses would be disbursed through the current account of the borrower. |
| Sanction of Loan | Loans under the scheme will be sanctioned by Central Loan Sanctioning Department (CLSD) up to Rs. 2.500 million per borrower/party and over & above by Head Office Credit Committee. |
| Monitoring | Close monitoring would be carried out every month by the respective Bank Authorities. |
