ZTBL building
:: Zarai Taraqiati Bank Limited::

Awami Zarai Scheme (AZS)- Non Farm Credit

Urdu Version
This product is tailored through which working capital loans are provided for poultry, dairy and fishery, renewable on yearly revolving basis for 3 years currency period.

Operational Jurisdiction All ZTBL branches across Pakistan
Eligibility All experienced poultry, dairy & fishery farmers who are successfully running Non-Farm Credit having clear e-CIB (CWR) are eligible, for loan under the scheme.
Documents Required CNIC Copy, Loan Case File, Agri.Pass Book/Fard Jamabandi, 2 recent photographs.
Loanable Items Working capital for poultry, dairy & fishery etc.
Maximum Loan Limit Rs.0.700 million per borrower/party for dairy working capital & Rs. 0.500 million per borrower/party for poultry and fishery working capital.
Collateral Tangible properties owned by the borrowers as per policy of the Bank.
Cost of Credit As per Bank’s Rules.
Repayment Schedule Poultry Working Capital
i- Broiler farming in two half yearly installments on 15th January and 15th July.
ii- Layer/Breeder in one installment after one year period on 15th January or 15th July as the case may be.

Dairy Working Capital
In two half yearly installments on 15th Jan and 15th July.

Fisheries (inland/marine) Working Capital
In two half yearly installments on 15th January and 15th July.
Rate of Mark Up The prevailing Bank rate of mark up and incentive on timely repayment of loan is applicable.
Borrower’s Contribution 10% of the loan amount will be kept in the Deposit Account of the borrower which will be accounted for in the last loan installment.
Monitoring Strict monitoring is exercised by ensuring checking of utilization by the MCO in 100% cases and sample checking of utilization by the Manager, Zonal Manager (Recovery) and Internal Auditors of the Bank.

Related Documents

Loan FAQs ( Urdu PDF 599KB )