Financing Scheme for “Dairy Value Chain”

In compliance of ACAC-SBP decision and in order to fulfill the genuine & real needs of the dairy farming community, Bank has introduced the subject titled scheme across all branches of ZTBL.

Terms & Conditions

Terms & Conditions

Operational Jurisdiction

All ZTBL branches across Pakistan.


The creditworthy and reputable rural populace all over the country engaged in the business of dairy/livestock farming is eligible to get financing under the said scheme. However, old borrowers having good repayment behavior and familiar with the above activity would also be considered for such loan. Women borrowers are especially encouraged in the scheme who are involved in this segment either at personal or commercial level.

Documents Required

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

Maximum Loan limit

The maximum loan limit under the scheme would be upto Rs.1.500 million per borrower/party.

Borrower’s Contribution

The amount over & above the Bank’s maximum per borrower/party exposure of Rs. 1.500 million or 10% of project cost if project cost is less than Rs. 1.500 million will be invested by the borrower in the project as equity.


Tangible properties owned by borrowers and in case of its non-availability, parent’s/family member’s property can be accepted as a co-applicant.

Cost of Credit

As per Bank’s rule.

Rate of Mark up

Prevailing Bank’s markup rate on development loans would be applicable for the scheme.

Sanction of Loan

Loan under the scheme would be sanctioned by Centralized Loan Sanctioning Department upto Rs.1.000 million, whereas loan more than Rs.1.000 million would be sanctioned by the concerned Zonal Credit Committee.


After execution of legal documents loan would be disbursed through borrower current account of the borrower.

Repayment Schedule

Loan would be recovered within 5 years in half yearly installments with grace period of six (06) months.


Insurance of assets to be created out of Bank loan will be arranged by the borrower.


Manager & MCO of the concerned branch would be responsible for monitoring, assisting and guiding the borrower for successful and proper utilization of loan. However, the MCO of the respective branch would check the utilization within one month of the disbursement of loan in 100% cases. Moreover, Manager, Zonal Manager (Recovery) and Bank’s Internal Auditor would also check the utilization of these loans as per prescribed share % age.


Close monitoring would be carried out on monthly basis by the respective Zonal Chief and Credit Operations Department, ZTBL Head Office Islamabad.

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