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| Supervised agriculture credit scheme |
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| Under this scheme agriculture loans are given for short, medium and long term loans upto Rs.1.00 million per borrower/per case. The loans are sanctioned for In Fats, livestock, orchard, tractor, agricultural machinery, tubewell and irrigation facilities etc. under the scheme besides provision of credit, information are to the farmers for planning the farm, production, guidance for implementation of the scheme, marketing and repayment of loans.
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| Zarkhaiz (one window operation) |
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| For timely and conveniently provision of credit to purchase inputs, loans are provided to the borrowers under One Window Operation being conducted twice a week during Rabi and Kharif seasons. All the related departments i.e. Revenue, Agriculture, Post Office etc. attend the focal points, established at convenient places. The farmers get their pass books prepared and loan applications processed on the same day whereas sanction payments are made within three days at Branch. For Rabi Crops one window operation from October to January and for Kharif Crops from April to September each year which is extendable as per requirement of particular area.
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| White Revolution Scheme |
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PDDC (Pakistan Dairy Development Company) shall recommend good dairy farmer to ZTBL and send
the loan request to the bank along with necessary documents. Initially the scheme will be for modernization of 5,000 farm during 5 years period. The modernization of dairy farm will be carried out through financing milk cooling tank, generator, voltage stabilizer, hot water gezer, water pump, cooling pad and other dairy equipment. . . . Read More »
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| Sairab Pakistan Scheme |
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Water plays vital role to improve per acre yield. Out of total 31 million hectors area of Pakistan, 22 million hectors is cultivated while 9 million hectors is culturable waste mainly due to non-availability of water. More over increase in water supply being a key input is required to raise cropping intensity and hence the income of the farmer. Since inception ZTBL financed over 143000 Tubewells amounting to Rs.15 billion. For raising irrigated area to accelerate the economic growth and to facilitate the farmers ZTBL has signed collaboration agreement with M/s KSB Pumps Company Limited (Company) on 28th May, 2007. Farmers of atleast 3 acres land holding will be eligible to avail financing under the scheme provided loan proposal is feasible. ZTBL will disburse Rs.6 billion to the farmers for installation of 30,000 Tubewells/Turbines during the next five years. KSB Pumps Company will provide quality machinery/equipment for efficient pumping of water. The company shall also provide after sale service including replacement of parts/availability of spares etc. through its network of dealers. . . Read More »
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| Sada bahar scheme |
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For providing timely input loans for crops and working capital for poultry and fishery etc, the Bank has launched a Sada Bahar Scheme. Assessment for inputs requirements for the whole year is made at the time of first application. The amount so assessed is treated as Revolving Limit provided it is within the security limit. The Managers are authorized to sanction such loan limits upto Rs.O.500 million. Scheme's main features are as under:
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Revolving Credit Limit is fixed to cater production credit and ancillaryrequirements of the farmers during one year period. |
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The documentation once completed remains applicable for three years with yearly cleanup/renewal without any further documents. |
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The borrowers can draw the credit in lump sum or in installments according to his requirement. |
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Like-wise he can repay in lump sum or in installments during the year when his cash position allows him. |
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Pass Book containing transactions in his SBS Account is supplied to every borrower free of cost. |
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| TEA FINANCING Scheme |
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In order to increase the tea cultivation in District Mansehra, Swat, Mutta, Shangla par and Dir in Malakand Division, tea financing scheme has been introduced which would not only save the hard earned foreign exchange but would also help improve the socio-economic condition of the inhabitants of the area. The salient future of the scheme are given as under:
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Maximum Credit Ceiling of Rs.60,000/- per acre has been fixed. |
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Farmers owing land upto five acres are eligible to avail loans. |
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Credit will be given in 3 installments: first year Rs.30,000/-, 2nd year Rs.15,000/- 3rd year Rs.15,000/- provided the disbursed loan is used properly. |
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The credit would be repayable within11 years with 6 years grace period with prescribed markup of 9% per annum. Rebate of 1 % will be allowed in mark-up on timely repayment and proper utilization of the loan. |
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| Crop maximization project |
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Ministry of Food, Agriculture and Livestock (MINF AL), Government of Pakistan has launched Crop Maximization Project in 109 villages in various districts through out the country to increase the productivity/yield of crops. Under the project MINFAL has to provide funds of Rs.299.893 million to ZTBL for disbursing loans to the project farmers for purchase of inputs. Till the time funds of Rs.468 Million have since been received by the Bank for the purpose. These funds are to be revolved for meeting input credit needs in the project villages till 30th June, 2014 after which Bank will return the principal amount to MINFAL. Accordingly Credit needs of the project farmers are being met by respective ZTBL branches through Village Organizations formed for the purpose.Duly the currency of the project Bank is authorized to charge 4% per annum mark-up on loans to project growers to meet its operational cost, however in case of default Bank's normal rate of return i.e. 9% p.a. will be applicable.
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| Last Updated: Wednesday, June 25, 2008 , © Zarai Taraqiati Bank
Limited Pakistan, 2008, All rights reserved
