Asan Qarza Scheme

In order to engage youth in national development, who form major segment of rural population in Pakistan and to raise their living standard and check their migration to urban areas, it has been decided to launch “Asan Qarza Scheme”.

Terms & Conditions

Operational Jurisdiction

All ZTBL branches across Pakistan.


All creditworthy & reputable youth with age limit from 18-35 years having capacity to repay are eligible to apply for a large number of activities under this scheme.

Documents Required

CNIC Copy, Loan Case File, Agri.Pass Book/Fard Jamabandi, 2 recent photographs.

Maximum Loan Limit

Rs.0.200 million per borrower/party.

Borrower’s Contribution

10% of the loan amount will be deposited by the borrower as self contribution.


Tangible properties owned by the borrowers as per policy of the Bank. In case rural youth have no security their parents/family member’s property can be accepted as a co-applicant.

Repayment Schedule

The loan is recoverable within 5 years in half yearly installments.

Rate of Mark Up

The prevailing rate of mark up on development loan is applicable.


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.

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