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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.
ZTBL offers everyday bank accounts saving accounts and term deposits to suit your banking needs.
List of accounts offered by ZTBL (Click here)
To view the bank’s Rate of Return (Click here)
Key Features:
1. Savings Account.
2. Minimum Account Opening balance is PKR 1000/-.
3. The profit on ZSMAA will be calculated on daily day end balance and shall be credited on monthly basis to depositor’s account on 1st week of the month.
ZTBL Shandar Mahana Amdani Accounts
| 0 to Rs. 10,000 | 10.50% p.a |
| Rs. 10.001 to Rs. 100,000/- | 10.50% p.a |
| Rs. 100,001 to Rs. 500,000/- | 10.50% p.a |
| Rs. 500,001 to Rs. 5000,000/- | 10.50% p.a |
| Rs. 5000,001 to 10,000,000/- | 10.50% p.a |
| 10,000,001/- and above | 10.50% p.a |
Key Features:
1. Free Cheque Book: Customers maintaining an average quarterly balance of PKR 50,000 can avail a complimentary cheque book with 50 leaves in a quarter.
2. Free Debit Card: Customers maintaining an average quarterly balance of PKR 100,000 will be offered with free Silver ATM/Debit card. In this case, ATM/debit card issuance charges will be waived. However, annual charges will be applicable.
Our ZTBL Debit Card in coordination with PayPak loyalty program offers both conventional and Islamic Insurance (Takaful) of PKR 100,000/- on each PayPak card (natural and accidental death)
3. Locker Facility: Customers maintaining an average quarterly balance of PKR 500,000/- will be eligible for a waiver of issuance fee on small locker. Likewise, on maintenance of average quarterly balance of PKR 1,000,000/- medium/large locker are offered with issuance fee waiver (subject to availability).
4. Free SMS Alerts: Customers will receive free SMS alerts for transactions and account activities. SMS alerts for transactions and account activities will be provided at no cost to the eligible customers Rupee based non-remunerative Current Account.
Initial deposit of Rs. 200/- is required to open the account.
Un-remunerative charges shall be applied as per SBP instructions.
Key Features:
1. 10.50% p.a rate of return as per the current prevailing rate.
2. There is no initial / minimum deposit.
3. Max. 8 debit transactions during the month are allowed for calculation of profit.
4. Profit shall be calculated on the basis of average monthly balance.
5. Profit shall be credited into a/c on half yearly basis.
Key Features:
1. Rupee based non-remunerative Account
2. No minimum balance is required.
3. Un-bank/under banked people are eligible to open Asaan account.
4. One pager simple account opening form shall be used.
5. No service charges for account opening / account closing.
Key Features:
1. 10.50% p.a rate of return as per the current prevailing rate.
2. No minimum balance is required
3. Un-bank/underbanked people are eligible to open Asaan account.
4. One pager simple account opening form shall be used.
5. No service charges for account opening / account closing.
6. Profit on ZTBL Asaan Account shall be credited into account on half yearly basis.
Key Features:
1. The initial deposit is Rs.10,000/-
2. Profit shall be calculated on the basis of daily product.
3. No limit to withdrawals.
4. Profit shall be credited into account on a half-yearly basis.
Key Features:
1.The initial deposit is Rs.10,000/-
2. No limits on withdrawals.
3. Profit shall be calculated into a/c on a Quarterly basis Two DDs & two POS shall be issued free of charge during the month if an average balance of Rs.2, 00,000/- is maintained.
Key Features:
1. Min. initial balance is Rs.1000/-
2. It is non-remunerative a/c.
3. Max. Two deposits & two chequing withdrawals during a month are free of charge
Key Features:
1. Short-term deposit scheme for a fixed period of 3 and 6 months.
2. Min. deposit is Rs.50,000/-.
3. In case of premature encashment OR after maturity PLS-saving a/c rate shall be applied.
Special Features:
1. Free online banking facility with ZTBL branches.
2. Priority banking especially utility bill payment counter service.
3. 20% reduction in rental charges in small and medium locker subject to availability.
4. Un-remunerative charges as well as all other terms and conditions of savings account such as Zakat and Taxes are applicable.
4. Preferred profit rate, above the PLS savings rate, is offered to customers.
Key Features:
1. 10.50% p.a rate of return as per the current prevailing rate.
2. Initial deposit of Rs. 1000/ – after completing all pre-requisites stipulated by SBP/Banks procedure in vogue.
3. Profit calculation on daily product basis to be credited in the account on quarterly basis after deducting all stipulated taxes, levies, Zakat, charges, etc.
4. Account to be opened in the name of Minor and operated by Parent/Guardian.
5. Single debit transaction restricted to Rs.50,000/-
6. Free 1st cheque book.
Key Features:
1. Min. initial balance is Rs.1000/-.
2. The minimum holding is 3 months.
3. PLS saving a/c rate shall be applied in case of premature encashment & after maturity.
4. The request for rollover shall be made in sufficient time before its maturity otherwise it will be transferred to TDR Matured a/c.
Key Features:
1. The initial deposit is 0.100 million.
2. The scheme is restricted to Bank employees & their relatives.
3. Profit shall be paid at maturity.
4. Premature encashment OR after maturity, PLS-Saving a/c rate shall be applied.
Key Features:
1. Before 6 months. month & before 12 months.
2. 12 months & before 24 months.
3. 4 months & before 36 months.
State Bank of Pakistan (SBP) has launched the “Banking on Equity Policy”: “Reducing the gender gap in financial Inclusion” to enhance women’s financial inclusion. Under this policy, it has been decided to introduce a gender lens within the ZTBL through specific measures in key areas, to bring a shift towards women-friendly business practices.
At present, women in Pakistan are disproportionately under-served by the country’s financial system, such economic disparity impedes national economic development.
In order to play our part in reducing the gender gap and improving women’s participation in the financial sector, ZTBL has designed a new product to provide financial services for women named “ZTBL BAKHT ACCOUNT” with certain features which may help our field functionaries in mobilizing deposit for the bank.
Key Features:
1. No minimum balance.
2. Free 10 leaves cheque book on maintaining average monthly balance of PKR 50,000/-.
3. ree Basic ATM Card issuance on maintain monthly average balance of PKR 100,000/-.
4. Free locker facility on maintaining monthly average balance of Rs. 200,000/-.
5. Free issuance of bank certificate for Visa Purpose.
6. Free duplicate account statement.
7. 100% discount of locker issuance fees.
8. 100% discount of ZTBL Loan Application Fee (LAF) applicable for Agri Loan.
9. All taxes and levy excise duties will be applied as per Govt. rules.
10. Only available in PKR.
State Bank of Pakistan (SBP) has launched the “Banking on Equity Policy“: “Reducing the gender gap in financial Inclusion” to enhance women’s financial inclusion. Under this policy, it has been decided to introduce a gender lens within the ZTBL through specific measures in critical areas, to bring a shift towards women-friendly business practices.
At present, women in Pakistan are disproportionately under-served by the country’s financial system, such economic disparity impedes national economic development.
In order to play our part in reducing the gender gap and improving women’s participation in the financial sector, ZTBL has designed a new product to provide financial services for women named “ZTBL BAKHT ACCOUNT” with certain features which may help our field functionaries in mobilizing deposit for the bank.
Key Features:
Key Features:
1. Account opened with Rs.1000/-.
2. All charges imposed by the regulator will be applicable.
3. No minimum balance requirement.
4. Free iNet/Online banking access;
5. Free funds transfer upto PKR 200,000/- *(within ZTBL)
6. Free of charge Utility Bills Payment.
7. Free Mobile top-up.
8. Free e-statement.
9. Unlimited withdrawal and deposits.
Key Features:
1. Account opened with Rs.1000/-.
2. Monthly Profit Payout.
3. Profit calculation on average monthly balance. All relevant taxes/zakat will be deducted as per policy.
4. No fee or service charges for maintaining account will be charged.
5. No minimum balance requirement.
6. Free iNet/Online banking access;
7. Free funds transfer upto PKR 200,000/-.
8.*(within ZTBL)
9. Free of charge Utility Bills Payment.
10.Free Mobile top-up.
11. Free e-statement.
12.Unlimited withdrawal and deposits.
13.10.60% p.a rate of return as per the current prevailing rate.
