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Financing scheme for “Agri. Land Development through Alternate/ Renewable Energy”

The country is facing an energy crisis. The agriculture sector has received a setback due to an energy crisis resulting in low crop productivity. In order to help the farmers to overcome the energy crisis, the Bank has introduced the following two products as an alternate/renewable energy resources which will help not only to get energy at low cost but also be useful in boosting agri. Production. This would provide credit for relatively cheaper energy resources to farmers to shift from existing expensive energy options.

  1. Solar Energy System
  2. Biogas Unit/Plant

  Terms & Conditions:

Operational Jurisdiction

All ZTBL branches across Pakistan.

Eligibility Criteria
  1. The Creditworthy and reputable rural populace all over the country, having the capacity to repay are eligible to get financing under the said scheme. However, old borrowers having good repayment behavior and familiarity with the above activity would also be considered for such loans.
  2. Not defaulter of any other Bank.
  3. Clear e-CIB Report.
  4. ORR Rating up to 4.
  5. The progressive borrower should possess technical know-how of Solar Energy Pump Systems & Biogas Units so as to enable them to establish and run the unit in a commercially viable manner.
  6. Quotation/estimate for installation of Solar Energy System & Biogas Unit/Plant from the firm/entity to be verified by respective Branch Manager, duly accepted by the prospective borrower would be required.
Documents Required

CNIC Copy, Loan application, Agri. Passbook/Fard Jamabandi, 2 recent photographs.

Maximum Loan Limit

Rs. 2.500 million per borrower/party.

Borrower’s Contribution

The amount over & above the Bank’s maximum per borrower/party exposure will be invested by the borrower in the project as equity, or 10% of the project cost if the project cost is less than Rs.1.500 million will be deposited in the Bank.


Tangible properties owned by the borrowers as per the policy of the Bank.

Cost of Credit

As per Bank’s Rules.

Rate of Mark Up

Prevailing Bank’s markup rate on development loans with a 3% rebate on timely repayment is applicable.

Sanction of Loan

Loan up to Rs. 2.500 million will be sanctioned by CLSD, ZTBL Head Office, Islamabad.


Insurance of assets to be created out of a Bank loan will be arranged by the borrower.

Repayment Schedule

Loans under the scheme would be recoverable as under :

  1. Solar Energy Pumps/Systems loan would be recovered within 10 years in half-yearly installments with a grace period of six (06) months.
  2. Biogas Unit/Plant loan would be recovered within 05 years in half-yearly installments with a grace period of six (06) months.

Close monitoring would be carried out on a monthly basis by the respective MCO, Branch Manager, Zonal Chief, and Credit Operations Department, ZTBL, Head Office, Islamabad.