Khuli Kachehri- R.Y Khan

The khuley kachery has been organized by the Executives/Divisional Heads from Head Office, Zarai Taraqiati Bank Limited; Islamabad who visited the Zonal Office, Rahim Yar Khan to solve the queries and problems of the farmers. The khuley kachery has been organized as per vision and direction of worthy Prime Minister of pakistan in order to resolve issues of the farmers at bottom line. The kachery started at 1:00 PM and ends at 2:00 PM.  The large no of farmer participated in the kachery from different locality of the Rahim yar khan.

The worthy EVP/Divisional Head Enterprise Risk Management Mr. Qasim Mehmood Chisti briefly explained the purpose of the khuley katchery and also informed that bank is in phase of introducing new products for the borrowers which will be very beneficial for the farmers and full fill their agriculture loaning requirements. The current management of bank is always available for the farmers. The bank wants to resolve the farmer’s issue and is very keen in knowing the farmers issue that why we are in between the farmers. The bank launch complaints call centers unit which will entertain your compliant and resolve your matters as soon as possible.  The farmer can made call at any time on the given number provided in the banner for registering your compliant from all over Pakistan in order to get resolve them. The bank will responds instantly on their complaints.

After that The Worthy, EVP/Divisional Head Operation Mr. Salman Arshad, EVP/Divisional Head Enterprise Risk Management Mr. Qasim Mehmood Chisti and Regional Chief Punjab-III Mr. Mustansar Billah started the Query session for the farmers. The details are as follows:

QUERY NO: 1

Name: Malik Abdul Sattar R/O  Taranda Ali Murad Rahim Yar Khan

Question: Running finance facility will be launch by the bank like other commercial bank?

Answer: The bank is in the phase of new product development and new products will be launched by the bank soon in which one of the product will be running finance facility which will be based on daily product basis.

QUERY NO: 2

Name: Muhammad Hanif R/O Kacha Rahim Yar Khan
Question: Death Relief will be given by bank?

Answer: The bank previously given the death relief on agriculture loans but the borrower’s misused this relief. Now the bank is in process to approve new policy regarding death relief with strong internal controls so that death relief policy may properly availed by the borrowers.

QUERY NO: 3

Name: Sardar Mumtaz Khan R/O  Nizamabad Iqbalabad              

Question:  Loan enhanced policy may also be provided to defaulters also?

Answer: The Bank is unable to enhance the limit of the defaulters, however the bank has already a policy of enhancement of loan to regular borrower’s who not remained in default for last 1 year. The defaulters after getting regular and have good history track for last 1 year can enhanced the their limits.

QUERY NO: 4
Name: Main Riaz Ahmed R/O Abadpur Iqbalabad             

Question: Processing fee of bank is high?
Answer: The bank will review its policy.

QUERY NO: 5

Name: Jam Farooq R/O Ahsanpur Iqbalabad
Question:
Mark up Incentive for Regular Borrowers as bank given upto 30.06.2021?

Answer: The bank will try its best to provide mark up incentive to regular borrowers as already given till 30.06.2021.

QUERY NO: 6
Name: Saeed Murad R/O Bahadurpur Chowk Bahadurpur
Question: Lengthy Documentation process?

Answer: The bank started digitalization process which has been launched in phase wise in near future the loan file will be stopped and process got short and borrower not to go through hectic process.

QUERY NO: 7

Name: Muhammad Kashif R/O 1N/P Chowk Bahadurpur
Question:
Branches has not much funds to full borrowers need?

Answer: all branches have credit ceiling upto which each branch can finance the borrowers and can’t go beyond this ceiling which is the bank standard policy. However bank will make mechanism to provide ceiling to the branches in order to facilitate all the borrowers.

QUERY NO: 8
Name: Muhammad Ramzan R/O Kamal Mohana Rahim Yar Khan   Question: Tractor Loans limit will be enhanced by the bank?

Answer: The bank can finance Tractor upto 1.50 Million.

QUERY NO: 9
Name: Bashir Ahmed R/O 81/P Taranda Sawaye Khan                  

Question: The bank will made arrangement with revenue official so that revenue issue may resolve in the bank and borrower will not have to go to land computer center?

Answer: The bank is in process and in liaison with land record system so that borrowers will not have to go to land record systems and their land record issue may solve in the branch. The system will implemented soon.

QUERY NO: 10
Name: Ikhtiar Ahmed R/O Bagwar  Taranda Sawaye Khan
Question: The bank will increase the limit of input loan as seed, fertilizer etc has gone expensive?

Answer: The bank review its policy and try its best to increase the loan limits of input loan in future.

The katchery was adjourned at 2:00 PM with the words that such katcheries will organize by the bank in future from time to time in order to resolve the farmer’s issues.



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