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Zarai Taraqiati Bank Limited (ZTBL) erstwhile Agricultural Development Bank of Pakistan (ADBP) is the premier financial institution geared towards the development of agriculture sector through provision of financial services and technical know how.
Zarai Taraqiati Bank Limited (ZTBL) erstwhile Agricultural Development Bank of Pakistan (ADBP) is the premier financial institution geared towards the development of agriculture sector through provision of financial services and technical know how.
In order to meet the demands/needs of farmers and agri-entrepreneurs, ZTBL strives to take initiatives in introducing innovative development/production schemes to help small farmers overcome their financial needs and earn a decent living for their families, food security issues and poverty alleviation among rural population.
Our deposit products range from Current/ Savings account, term deposits to meet your daily banking needs through our vast branch network spread across the country.
The premier financial institution geared towards the development of agriculture sector through provision of financial services and technical know-how.
Our wide Branch network of 501 Branches ( Conventional & Islamic) to meet your Banking needs within your vicinity.
In order to empower women of the underdeveloped areas in the country by providing employment opportunities, ZTBL will extend its loaning facilities to such areas of the country where women are already working in the progression of garment sector e.g., Hand embroidered Phulkari Chadars in Multan & Bahawalpur and embroidered ladies suits in Hyderabad. Bank will try to provide linkages for marketing through some NGO etc or by providing some outlet for their produce.
Hence, to start support services in this sector, raw materials such as fabric, thread and other materials could be provided to the specific community by making small groups of women in that area or alternatively, they may be provided a proper working place to make products in a uniform manner.
TERMS & CONDITIONS:
| Operational Jurisdiction | The scheme would be applicable across the country. |
| Eligibility Criteria |
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| Items for Financing |
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| Documents Required | CNIC Copy, Loan application, Agri. Pass Book/Fard Jamabandi & 2 recent photographs. |
| Maximum Loan Limit | Up to Rs. 5.000 million per borrower/party. |
| Borrower’s Contribution | 10% of project cost or the amount over and above the Bank’s maximum per borrower/party exposure of up to Rs. 5.000 million will be invested by that borrower towards the project as equity. |
| Collateral |
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| Cost of Credit | As per the Bank’s Rules. |
| Rate of Mark Up | The prevailing rate of markup on development loans with a 3% rebate on timely repayment is applicable. |
| Sanction of Loan | Loans under the scheme will be sanctioned by the Central Loan Sanctioning Department (CLSD) up to Rs. 2.500 million and over and above by the Head Office Credit Committee. |
| Repayment Schedule | The loan will be recovered within five years in half-yearly installments with a grace period of six months. |
| Monitoring | Close monitoring would be carried out by the respective Bank authorities. |
