In order to reduce the poverty in Gilgit-Baltistan area and also enhance business activities for the populace, the following special products/schemes have been launched. Salient features of the schemes are given here under:- .

i)Trout Fish Farming	Keeping in view scarcity of productive land in Gilgit-Baltistan, the existing requirement of land for fish pond has been relaxed as 01 Kanal to 08 Kanals. The maximum loan limit is Rs, 1.000 million per borrower/party.
ii)Yak farming	Animal reared for both meat & milk purposes having ample demand in the local market. Credit ceiling for 1 she yak has been fixed as Rs 50000/- & loan ceiling is maximum upto 5 animals.
iii)Seabuckthorn cultivation :	From Sea Buckthorn seeds items like oil, jam & jelly are produced. It is grown on small scale but has potential in the area with scope for foreign exchange earning Credit limit has been fixed as Rs 52,000/- per acre.
iv)Hybrid Poplar :	Credit limit has been fixed as Rs 15000/- per acre.
	Common features of all the schemes
Eligibility Criteria & Selection of Borrowers :	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 .
Collateral:	Tangible Securities
Rate of Mark up:	One year KIBOR plus 2% margin
Documents Required :	CNIC Photocopy, Loan Case File, Agri. Pass Book/Fard Jamabandi & 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% of loan applied. Postal Charges Rs.1000/- (lump sum) FED & other applicable taxes as per standing instructions of the Bank
Repayment:	Trout fish farming & sea buckthorn loans are recoverable within 5 years in equal yearly installments commencing after 2 years of 1 st disbursement. Yak farming loans are recoverable within 5 years in half yearly installments with one year grace period. Hybrid poplar loans are recoverable within 5 years in equal half yearly/yearly installments commencing after 3 years of 1 st disbursement.
Shamsi Tawanai Scheme- Solar Pump Asan Qarza Scheme Tawanai Bachat Scheme- Bio gas Unit Khawateen Rozgar Scheme Re-Financing Scheme for Flood Affected Areas Kissan Dost Scheme(KDS) Special Product-Milk Chilling Unit Special Schemes for Gilgit-Baltistan Canola Re-financing Scheme ZTBL Model Village establishment Financing package for Karachi Crop Insurance Scheme Crop Maximization Project- II Green Revolution Scheme One Window Operations/ Zarkhaiz Scheme White Revolution Scheme- ZTBL & PDDC White Revolution Scheme- ZTBL & Nestlé Sada Bahar Scheme (SBS) Awami Zarai Scheme- AZS (Farm Credit) Awami Zarai Scheme- AZS (Non-Farm Credit) Rural Development Scheme Red Meat financing package for sheep/ goat rearers