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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 empower the rural women to play significant role in agri. activities by increasing family income & to contribute towards GDP, the subject titled scheme has been introduced in all branches of the Bank.
Terms & Conditions:
| Operational Jurisdiction | All ZTBL branches across Pakistan. |
| Eligibility | All new/old creditworthy rural women having technical know how and capacity to repay are eligible to get financing for farming and non-farming activities. |
| Documents Required | CNIC Copy, Loan Application, Agri.Pass Book/Fard Jamamadi, 2 recent photographs. |
| Maximum Loan Limit | The maximum loan limit per borrower/party for secured loan is Rs. 0.500 million and for surety loan upto Rs. 25,000/- per borrower/party. |
| Borrower’s Contribution | 10% of the loan amount will be deposited by the borrower as self-contribution. |
| Collateral | As regards security, tangible properties owned by the borrowers and in case of its non-availability, parents/family member’s property can be accepted as a co-applicant. Personal surety/guarantee may also be accepted as per standing instructions of the Bank. |
| Cost of Credit | As per Bank’s rule. |
| Sanction of Loan |
Loan will be sanctioned by CLSD, ZTBL Head Office upto the maximum limit of Rs. 0.500 million. |
| Repayment Schedule | Production & development loans are recoverable within 18 months and 5 years respectively in half yearly installments according to the cash flow of the scheme. |
| Rate of Mark Up | The prevailing rate of mark up on production & development loans with 3% rebate on timely repayment is applicable. |
| Monitoring | Close monitoring is carried out by the MCOs, Branch Manager and respective Regional Business Head of the area. |
