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Kissan Khushhal Scheme (KKS)

Bank is endeavoring to provide timely agricultural credit to meet the genuine & real needs of the farming community. To facilitate the farmers, it has been decided by the Competent Authority to introduce a new Revolving Scheme which will help the farmers to have easy access to credit with the facility of one-time documentation for three years period with one-year clean-up, withdrawal of loan amount as per their credit requirements and deposit the same as and when funds are available with them.

The chief objective of this Scheme aims at adequate & timely financial support to the farmers for their input & working capital credit needs more flexibly and cost-effectively with the facility of multiple operations of withdrawal of limit and repayment of the loan.

Terms & Conditions:

Operational Jurisdiction All ZTBL Branches across the country.
Eligibility Criteria The scheme primarily would cater to the financing requirements for working capital as well as an input needs to all eligible fresh and existing farmers across the country.
Documents Required CNIC copy, Loan Application, Agri. Pass Book/ Fard Jamabandi, 2 recent photographs.
Fixation/Sanction of Credit Limit
  1. The maximum per borrower/party limit under the scheme would be up to Rs. 1.200 million.
  2. The loan will be approved for three years while in the system limit will be entered for one year only and his expiry date will be as per the disbursement date. The expiry date will fall on the last working day of the previous month (e.g. 28th Feb, 31st March, 30th April, etc).
Borrower’s Contribution 10% of the project cost or the amount will be invested by that borrower towards the project as equity.
Collateral Agri. land in the shape of Pass Book/Fard Jamabandi owned by borrowers and in case of its non-availability, the parent’s/family member’s property can be accepted as a co-applicant.
Sanction of Loan The loan will be sanctioned by CLSD, ZTBL Head Office up to the maximum extent of Rs. 1.200 million.
Disbursement/ Withdrawal of Limit
  1. The borrower will present the cheque out of his sanctioned limit and Branch Manager & AM (Operations) will make the payment(s) through the KKS Account of the borrower (i.e; G.L Head 2165), opened in cDMS by the CPU, Operations Division.
  2. The farmer/borrower will be allowed of his free will to execute multiple withdrawals and repayments transactions at any point of time during the year through his KKS Account.
Rate of Mark Up/ Credit Charges
  1. The prevalent rate of Mark-up will be charged on production loans under the scheme. Only the amount outstanding in the principal balance will attract the Mark-up. In case of full liquidation/clean-up of the loan, branches will charge the full amount of accrued Mark-up.
  2. Given the above, the following credit charges would be applied for this scheme:
a) Documentation Fee Rs.200/-
b) Appraisal Fee 1% up to Rs. 50,000/-

2% above Rs. 50,000/-

c) Postal/Courier Charges Rs.500/- per annum
d) CWR Charges Rs.50/- per borrower on each verification/renewal
e) Renewal Charges Rs. 1,000/- per renewal
Repayment Schedule Repayment of Mark-up in cash for different crops and working capital will be done as per the following frequency;

Sr. No. Loan Purpose Repayment Frequency
1. Rabi & Kharif Crops Half Yearly

(1st Markup in KKS will be due on 31st May or 30th November, whichever comes first)

2. Sugarcane Yearly (last date of February)
3. Orchards Yearly (30th April)
4. Working Capital Half Yearly

(Last Day of Previous Month)

Repayment of the Principal Amount in cash will be on annual basis and should fall on the last working day of the previous month (e.g; 28th Feb, 31st March, 30th April, etc.)

Insurance Insurance will be arranged as per features of the Crop Loan Insurance Scheme (CLIS).
Reschedulement (Extension in Expiry Date) In case of natural calamities affecting the proceeds of the crop, and income of the farmers, re-schedule meant can be allowed as per the policy of the Bank, intimating the revised recovery schedule to the borrower under proper acknowledgment.
Monitoring Close monitoring would be carried out by the respective Bank authorities.