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Khushk Ratab Scheme

 Product for Dehydration of Dates (Chuhara)

Keeping in view a great deal of importance and scope of enhancement in dates (Chuhara) export there is a dire need to attract the farmers/populace attached to this business. For that purpose, Bank has introduced the titled scheme which is applicable in dates growing areas of the country. Through this scheme intending farmers can increase their income besides earning foreign exchange for the country.

Terms & Conditions:

Operational Jurisdiction Turbat Zone in Baluchistan, Sukkur Zone in Sindh, D.I. Khan Zone in Khyber Pakhtunkhwa (KPK), and Muzaffargarh & Jhang Zones in Punjab Province.
Eligibility The creditworthy and reputable farmers having the capacity to repay the loans are eligible to get financing under the said scheme. Preference will be given to new borrowers who have already experience in the subject field. However, old farmers having good repayment behavior and are familiar with the captioned activity will be considered for such loans.
Documents Required CNIC Copy, Loan Case File, Agri.Pass Book/Fard Jamamadi, 2 recent photographs.
Maximum Loan Limit The maximum loan limit per borrower/party is Rs.0.500 million.
Borrowers’ Contribution 10% of the loan amount will be deposited by the borrower as self-contribution.
Collateral The loan is secured against all types of tangible securities/properties acceptable to the Bank. In case of its non-availability, parents/family members’ security can be accepted as a co-applicant.
Cost of Credit As per Bank’s Rules.
Repayment Schedule The loan is recoverable within one year of the disbursement on 15th January.
Rate of Mark Up The prevailing rate of markup on production loans is applicable.
Monitoring Strict monitoring is exercised by ensuring checking of utilization by the MCO & Manager of the concerned Branch.