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Dairy Value Chain

In compliance with the ACAC-SBP decision and to fulfill the genuine & real needs of the dairy farming community, Bank has introduced the subject titled scheme across all branches of ZTBL.

Terms & Conditions:

Operational Jurisdiction All ZTBL branches across Pakistan.
Eligibility Criteria The creditworthy and reputable rural populace all over the country engaged in the business of dairy/livestock farming is 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.
Documents Required CNIC Copy, Loan application, Agri.Pass Book/Fard Jamamadi, 2 recent photographs.
Maximum Loan Limit Rs.2.500 million per borrower/party.
Borrower’s Contribution 10% of the loan amount will be deposited by the borrower as self-contribution.
Collateral Tangible properties owned by the borrowers as per the policy of the Bank.
Cost of Credit As per the 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 Loan under the scheme would be sanctioned by the Centralized Loan Sanctioning Department up to Rs.2.500 million.
Disbursement After execution of legal documents loan would be disbursed through the borrower’s current 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.
Insurance Insurance of assets to be created out of a Bank loan will be arranged by the borrower.
Utilization The manager & MCO of the concerned branch would be responsible for monitoring, assisting and guiding the borrower for successful and proper utilization of loan. However, the MCO of the respective branch would check the utilization within one month of the disbursement of loan in 100% cases. Moreover, the Manager, Zonal Manager (Recovery) and Bank’s Internal Auditor would also check the utilization of these loans as per the prescribed share % age.
Monitoring Close monitoring would be carried out on monthly basis by the respective Zonal Chief and Credit Operations Department, ZTBL Head Office Islamabad.