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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.
Gur is famous for being the healthiest sugar in the world owing to its high nutritional value. Being a seasonal & self-sustaining business providing gainful employment & returns, huge potential for popularizing it as a daily sweetener exists. In line with Bank’s new initiatives to support Government’s efforts for agriculture-led economic growth and to alleviate rural poverty, the Bank has taken a stride to finance the ‘Gur making’ process countrywide.
Terms & Conditions:
| Operational Jurisdiction | The scheme will be applicable throughout the country where no restriction is imposed by the Federal/ Provincial Government. |
| Eligibility | All Credit Worthy Farmers. |
| Documents Required | CNIC Copy, Loan application, Agri.Pass Book/Fard Jamabandi, 2 recent photographs. |
| Maximum Loan Limit | Rs.0.500 million per borrower/party. |
| Collateral | The loan would be secured against all types of securities acceptable to the Bank. In case of its non-availability, parents/family members’ security can be accepted as a co-applicant. |
| Borrower’s Contribution | 10% of the loan amount will be deposited by the borrower as self-contribution. |
| Cost of Credit | As per Bank’s rule. |
| Repayment Schedule | The loans would be recoverable within 05 years in half-yearly installments. |
| Rate of Mark Up | The prevailing rate of markup on a development loan with a 3% rebate on timely repayment is applicable. |
| Monitoring | Strict monitoring would be exercised by ensuring checking of utilization by the MCO in 100% of cases and sample checking of utilization by the Manager, Zonal Manager (Recovery), and Internal Auditor of the Bank. In case of misutilization, the loan be recalled in lump sum as per Bank policy. |
