Mandatory for all new borrowers and optional for existing borrowers of crop production loan under Sada Bahar Scheme to avail revolving limit under Awami Zarai Scheme to get inputs through M/s Kissan Support Services Limited (KSSL) - a subsidiary of ZTBL under kind system. The prime features of this scheme are hereunder:-

Operational Jurisdiction:	All over Pakistan
Selection of Borrowers :	Bank MCO selects the Borrowers keeping in view the criteria fixed for Sada Bahar Scheme
Delivery Channel:	Branch/KSSL/Supplier
Collateral:	Tangible Securities.
Rate of Mark up:	9% p.a with 1% rebate for timely repayment.
Documents Required:	CNIC Photocopy, Loan Case File, Agri. Pass Book & 2 recent photographs
Working of Revolving limit:	It will be worked out as per crop wise ceilings fixed and revised from time to time.
Maximum Limit:	Rs.0.500 million per borrower/party.
Loan Disbursement:	Disbursement is made after supply of inputs on the basis of supply order issued in the name of KSSL, receipt of bill & acknowledgement receipt duly signed by the borrower in the branch
Repayment Schedule:	Loans disbursed for wheat & other Rabi Crops from 1st October to 31st March, their recovery date would fall on 7th July with one month grace period Loans disbursed for Cotton, Paddy & other Kharif Crops from 1st April to 30th September, their recovery date would fall on 7th January with one month grace period Loans disbursed for the Sugarcane during the months of September/ October and February/ March cultivation being Kharif Crop, would be recovered in two equal installments on 7th January & 7th April with following grace period: September/ October cultivation with minimum 14 months grace period. February/ March cultivation with minimum 09 months grace period. Loans for Orchard Wroking Capital Loans disbursed for working capital for Orchard during Rabi Season i.e.1stOctober to31st March would be recovered in one installment on next 7th January with one month grace period. Loan disbursed for working capital for orchard during Kharif Season i.e. 1st April to 30th September would be recovered on next 7th July with one month grace period. Due date of last installment during 3rd year of three years currency period would be fixed on 7th January or 7th July, as the case may be preceding the 3 years expiry date of the revolving limit fixed under Sada Bahar/ Awami Zarai Schemes
Loanable Items:	Inputs i.e. seed, fertilizer and pesticides etc.
Cost of Credit	Loan Case File Rs.100/- Postal Charge Rs.500/- Appraisal Fee (LA fee @ 1% uptoloanof Rs.50,000/- & 2% aboveRs.50,000/- to 1.000 Million)
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