Zarai Taraqiati Bank Ltd.
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Development Loan

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ZTBL Annual Report 2007
Life Time Locker Facility
Khushaak Kissan - Khushaal Pakistan

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Those types of loans which are advanced for the purchase of items like farm machinery/tractors, irrigation, land development, orchard/green houses, on-farm godowns/storages, dairy, poultry, fishery, livestock farming and are recoverable within period exceeding 18 months.

Development Loans
Installation of tubewells (including cost of power lines upto 8 poles and transformer/Ancillary structure.
Pumping sets/lift irrigation pumps (including peter engines)
Open Wells
Purchase of improved farm machinery (including tractors,, power tillers, implements, cutterbinders (reaper wind rover), threshers, trolley, spraying equipment, cane crusher and miscellaneous agricultural equipment, tractor pulled harvesters, self propelled combines.
Sprinkler irrigation
Drip irrigation
Orchards and Fruit Nurseries
Poultry & Hatchery farms structures & equipments
Minor crops (Mentha Aryensis, Asparagus etc.)
Seasonal & Development loans for tea plantation
Fattening of livestock for meat purposes and small dairy (milch animal)
Farm forestry/Plantation of trees and nurseries including hybrid poplar cultivation, Oil Palm seedling
Desilting, alignment and lining of water courses
Cold Storage
Bamboo Cultivation
Bee keeping
Bio-gas Plant
Levelling, lay out, terracing, fencing, soil improvement & embankments
Repair of Tubewell/Tractor/Fishing Boat & Engine
Goat/sheep farming excluding structures
Construction of Pacca Water Courses
Tobacco Barns
Fisheries (inland and marine) including purchase of trawlers/boats/equipments nets/twins, marine engines (outboard/inboard) etc.
Drilling equipment
Boring rig.
Trucks
Wind Mill
Reclamation of land
Jungle Clearance
Loan for personal computer for farm management to progressive farmers owning at least 25 acres of irrigated or 50 acres of rainfed land
Marketing loans for crops and other agricultural products to be allowed with Head Office prior permission
Bulldozers
Stocking of Agricultural Machinery, implements and equipment, seeds, fertilizers and chemicals used in agriculture (with prior approval of Head Office)
Animals driven Carts with prior approval of HO
Solar Energy Pumps
Providing Spraying services/tubewell water services
Purchase of motorcycles for milkmen
Construction of Godowns/Warehouses on farms
Green House, mini-tunnels, walk-in tunnels
Construction of Modules and Culverts
Cotton Pickers, (with the prior approval of Head Office), Groundnut Diggers, Potato Diggers
Farm construction (sheds for animal and equipments and other farm requisites etc.)
Opening of private veterinary clinics
Opening of Private Diagnostic Veterinary Laboratories in private sector
Opening of Private artificial insemination centres
Opening of veterinary medical stores
Replacement of engine and spare parts for Marine Fisheries
Sulphuric Acid Generator
Construction of Mini Dams/Check Karez/water Reservoirs/water catchments for Raid Fed (Barani Areas)
Milk Chilling Units
Compound feed making industry
Construction of Cold Storages by Poultry Producers
Construction of Cold Storages by Fishermen
Arboriculture (Wind breaker, shelter belts, hedges)
Construction of Laboratory for Integrated Pest Management (IPM)
Hole Digger
Purchase of Processing machinery including Seed Dryers, Vegetable Dryers & Fruit Dryers for use at farms
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