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Awami Zarai Scheme (AZS)- Non Farm Credit

Agri Business Field Report
Pakistan at a Glance 2011

ZTBL Subsidary

Kissan Support Services (Pvt.) Ltd.

(PRODUCT FOR PROVISION OF WORKING CAPITAL NON-FARM CREDIT (POULTRY, DAIRY & FISHERY)
This product is tailored through which working capital would be provided for poultry, dairy and fishery renewable on yearly revolving basis with 3 years currency period.

Selection of Borrowers: All experienced poultry, dairy and fishery farmers who are successfully running Non-farm credit activities.
They have clear CIB report.
Documents Required:
  • Loan Case File
  • Photocopy of CNIC
  • Plan of poultry/ dairy shed
  • Agricultural Pass Book
  • Two recent photographs.
Cost of Credit
  • Loan Case File Rs.100/-
  • Postal Charge Rs.500/-
  • Appraisal Fee (LA fee @ 1% uptoloan of Rs.50,000/- & 2% aboveRs.50,000/- to 1.000 Million)
Equity Contribution: 10% of the total amount of working capital.
Tangible Security: Both movable and immovable property, acceptable as per standing instructions of the Bank.
Maximum Credit Limit Rs.0.500 Million per borrower/party.
Repayment Procedure:
  1. Poultry Working Capital:
    1. Broiler farming: In two half yearly installments on 7th Jan and 7th July with one month grace period.
    2. Layer/ Breeder: in one installment after one year grace period on 7th Jan or 7th July with month grace period as the case maybe.
  2. Dairy Working Capital:
    In two half yearly installments on 7th Jan and 7th July with one month grace period.
  3. Fisheries (Inland/ Marine) Working Capital:
    In two half yearly installments on 7th Jan and 7th July with one month grace period.
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