:: Zarai Taraqiati Bank Limited::

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Debt Equity Ratio

For Tubewell/Tractors/Implements/Attachments/Equipments
1	All kinds of Tubewells/ Turbines	25%	Within 5 years in annual/bi-annual installments commencing one year after first disbursement

2	New Tractor	No equity but 10% of the loan is to be needed in PLS Account	Within 8 years in monthly/quarterly or half yearly installments to be decided by Manager in consultation with borrower.

3	Used Tractor, Equipments/attachments/implements and used tractor	-do-	Within 5 years in monthly/quarterly or half yearly installments to be decided by the Manager in consultation with borrower.

Except Tubewell/Tractors/Implements/ Attachments/Equipments
Production Loan upto Rs.0.100 Million	NIL

Land holding upto 25 acres/loan amount upto Rs.0.2 Million	15%

Land holding beyond 25 acres to 50 acres/loan amount beyond Rs.0.2 Million upto Rs.0.5 Million	25%

Land holding beyond 50 acres/loan amount beyond Rs.0.5 Million upto Rs.1 Million.	30%