To modernize the existing dairy farming and in order to increase milk supply in the country, a Strategic Partnership between ZTBL & PDDC has been made. Under the Scheme M/s PDDC recommends good dairy farmers to ZTBL for provision of finances for the purpose. Provision of assured quality dairy equipments i.e. milk chilling tanks, geezers, fodder machines/mixtures, water pumps/diesel engines etc. & installation the reof on competitive market rates to the farmers. Salient features of the scheme are as under:-

Coverage:	Throughout the country.
Eligible Farmers:	Existing good dairy farmers duly selected/recommended by PDDC.
Delivery Channel:	PDDC/ZTBL Branch/ Supplier.
Documents Required:	CNIC copy, Loan Case File, Agri. Pass Book & 2 Photographs
Type of Security:	Agri Land /other Tangible Security.
Loan Limit:	Rs.1.000 Million per borrower/party.
Equity Contribution:	10% of the Project cost
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).
Mark Up Rate:	One year Kibor plus 2% margin- (presently it is 14.3% p.a with 1% rebate on timely repayment.
Incentives:	Borrowers are required to pay only 50% of principal amount on due dates whereas mark-up as well as 50% of principal amount shall be paid by PDDC
Recovery Period:	5 years in monthly installments with grace period of 3 months
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