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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 order to promote the dairy/livestock sector by streamlining milk collection and its delivery, it is imperative to finance the populace attached with the dairy milk collection business and its distribution. Further in order to get more earnings through this sector by establishment of small Milk Chilling Units in the country, the Bank has launched the subject scheme for the dairy/livestock farmers across the country.
Terms & Conditions:
| Operational Jurisdiction | All ZTBL branches across Pakistan. |
| Eligibility | 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. Women borrowers especially encouraged in the scheme who are involved in this segment either at a personal or commercial level. |
| Documents Required | CNIC Copy, Loan Case File embedded in the system, Agri. Passbook/Fard Jamamadi, 2 recent photographs. |
| Maximum Loan limit | The maximum loan limit under the scheme would be up to Rs.2.500 million per borrower/party. |
| Borrower’s Contribution | The amount over & above the Bank’s maximum per borrower/party exposure of Rs. 2.500 million or 10% of the project cost if the project cost is less than Rs. 2.500 million will be invested by the borrower in the project as equity. |
| Collateral | Tangible properties owned by borrowers and in case of its non-availability, parent’s/family member’s property can be accepted as a co-applicant. |
| Cost of Credit | As per Bank’s rule. |
| Rate of Mark up | Prevailing Bank’s markup rate on development loans with a 3% rebate on timely repayment is applicable. |
| Repayment Schedule | Recoverable within 5 years in equal quarterly installments with grace period of three (03) months. |
| Monitoring | Close monitoring would be carried out every month by the respective Zonal Chief and Credit Operations Department, ZTBL Head Office Islamabad. |
