Financing Scheme for “Milk Chilling Unit”

In order to promote the dairy/livestock sector by streamlining milk collection and its delivery, it is imperative to finance the populace attached with the dairy milk collection business and its distribution. Further in order to get more earning through this sector by establishment of small Milk Chilling Units in the country, the Bank has launched the subject scheme for the dairy/livestock farmers across the country.


Terms & Conditions

Operational Jurisdiction

All ZTBL branches across Pakistan

Eligibility Criteria

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.

Documents Required

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

Maximum Loan Limit

Rs.1.500 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.

Cost of Credit

As per Bank’s Rules.

Repayment Schedule

Recoverable within 5 years in equal quarterly installments with grace period of three (03) months.

Rate of Mark Up

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


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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