Khawateen Rozgar Scheme

In order to empower the rural women to play significant role in agri. activities by increasing family income & to contribute towards GDP, the subject titled scheme has been introduced in all branches of the Bank.

Terms & Conditions

Operational Jurisdiction

All ZTBL branches across Pakistan.


All new/old creditworthy rural women having technical know how and capacity to repay are eligible to get financing for farming and non-farming activities.

Documents Required

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

Maximum Loan Limit

The maximum loan limit per borrower/party for secured loan is Rs.0.200 million and for surety loan upto Rs. 25,000/- per borrower/party.

Borrower’s Contribution

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


As regards security, tangible properties owned by the borrowers and in case of its non-availability, parents/family member’s property can be accepted as a co-applicant. Personal surety/guarantee may also be accepted as per standing instructions of the Bank.

Cost of Credit

As per Bank’s rule.

Repayment Schedule

PProduction & development loans are recoverable within 18 months and 5 years respectively in half yearly installments according to the cash flow of the scheme.

Rate of Mark Up

The prevailing rate of mark up on production & development loans is applicable. (as the case may be).


Close monitoring is carried out by the MCOs, Branch Manager and respective Zonal Chief of the area.

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