To streamline the milk collection and its delivery, it is imperative to finance the populace attached with the dairy business as otherwise these borrowers borrow money from traditional money lenders/other traditional sources. Therefore, apart from general loaning under the dairy head, above product has been launched

Operational Jurisdiction:	All branches of ZTBL Karachi Zone Ferozewala & Lahore Cantt branches of ZTBL Lahore Zone
Eligibility Criteria & Selection of Borrowers:	New borrowers engaged with the dairy business will have preference and technical know how is an added qualification. ORR shall be applicable as per existing policy of the Bank. Defaulters of production/development loan(s) of ZTBL or of any other bank(s) are debarred to avail loan under this scheme. eCIB will be obtained as per standing instructions of the Bank. Under the scheme the Bank MCO selects the Borrowers keeping in view the criteria fixed for the said scheme
Loanable items:	Milk Chilling Unit with all accessories.
Rate of Mark up:	One year KIBOR plus 2% margin
Documents Required:	CNIC Photocopy, Loan Case File, Agri. Pass Book/Fard Jamabandi/Title Deed etc & 2 recent Photographs
Cost of Credit:	Loan Case File Rs.200/- Loan Appraisal Fee: Loan up to Rs.50,000/- 1% of loan applied. Loan above Rs.50,000/- 2% loan applied. Postal Charges Rs.1000/- (lump sum) FED & other applicable taxes as per standing instructions of the Bank
Maximum Limit: :	Rs.1.000 million per borrower/party.
Repayment :	Recoverable within 5 years in equal quarterly installments with grace period of 3 months.
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