Zarai Taraqiati Bank Ltd has been financing Milk Processing Units for UHT as well as pasteurized besides conventional dairy farming in the country since long. Bank has now embarked upon to bring white revolution in the country through integration of dairy farmers and milk processors.

In order to increase milk supply, mitigate poverty in the country and improve the living standard of the rural populace, as a first step, modalities of Strategic Partnership of Bank with M/s. Nestlé Pakistan Ltd. have been worked out and an agreement to this effect has been executed.

Operational Jurisdiction:	Throughout Punjab Province
Selection of Borrowers:	M/s Nestlé identifies the borrowers (existing as well as new dairy farmers) to recommend concerned ZTBL Branch through Model Branch Lahore.
Delivery Channel:	Nestlé/ ZTBL Branch
Collateral:	Tangible Properties
Documents Required:	CNIC Photocopy, Loan Case File, IB-7 Agreement , Agri. Pass Book & 2 Photograph & Building Plan (if dairy structure involves).
Loanable Items/maximum limit: Dairy sheds/structure Local Buffalo/Cow Imported Cow with calf Working Capital	As per prescribed rates Upto Rs. 80,000/- per head Upto Rs.125,000/- per head Upto Rs. 6,000/ per head
Maximum Loan Limit:	Rs.1 million per borrower/party.
Cost of Credit:	Loan Case File- Rs.200/-, Appraisal Fee: @1% of loan amount upto Rs.50,000/-, @ 2% of loan amount exceeding Rs.50,000/-, Postal Charges Rs.500/- per year Mark-Up Rate is One year Kibor plus 2% margin- (presently it is 14.3% p.a with 1% rebate on timely repayment).
Insurance of Animals	Bank arranges insurance of animals through M/s Adamjee Insurance Company Ltd.
Equity Contribution:	10% of the cost of the Project
Disbursement of Loan:	Loans for sheds and working capital will be disbursed in cash in suitable installments. Imported cows through Nestlé. Local Cow/Buffaloes through pay order/DD in the name of seller.
Allocation of Funds:	For the five years 2007-2011 Rs.5 Billion have been allocated to finance 10,000 animals each year.
Monitoring of Loan:	M/s Nestlé will carry out monitoring of loan to update the branch periodically.
Recovery Period:	5 years in monthly/weekly installments with grace period of 1-3 months for local and imported animals respectively.
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