Kissan Dost Scheme (KDS)

Kissan Dost Scheme (KDS) has been launched on concessional rate of mark-up for financing crop production loans, (seed, fertilizer, pesticides & other etc.). The financing would be for one season crops i.e. either Rabi or Kharif.

Terms & Conditions

Operational Jurisdiction

All ZTBL branches across Pakistan.

Eligibility

All new borrowers of production loans under Farm Credit can be financed under the scheme. However old borrowers with good track record can also get loan under the scheme upon complete closure of previous loan.

Documents Required

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

Maximum Loan Limit

Rs.0.100 million per borrower/party.

Collateral

Tangible properties owned by the borrowers as per policy of the Bank.

Repayment Schedule
  • Loans disbursed for wheat & other Rabi crops from 1st October to 31st December would be recoverable on 15th June and loans disbursed from 1st January to 31st March would be recoverable on 15th September with one month grace period.
  • Loans disbursed for cotton, paddy and other Kharif crops from 1st April to 30th June would be recoverable on 15th December and loans disbursed from 1st July to 30th September would be recoverable on 15th March with one month grace period.
  • Loans disbursed for sugarcane crop (Aug-April) would be recoverable in two half yearly installments on 15th January and 15th July.
  • Input loans disbursed for working capital for orchard during the Rabi season i.e. 1st October to 31st March would be recoverable in one installment on next 15th January and like-wise input loans disbursed for working capital for orchard during Kharif season i.e. 1st April to 30th September would be recoverable on next 15th July.
Rate of Mark Up

Special rate of mark up is applicable as notified by the Bank.

Monitoring

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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