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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.
Changing farming practices and trend in the world warrant introduction and adoption of farming practices in the country to bring about agricultural revolution. In order to help the farmers of the country in adoption and utilization of mechanized farming, ZTBL provide financing facility for following agri. machinery items to enhance productivity and adoption of best agricultural practices.
Straw baling machine compresses straw into bales for transportation. To bring about mechanization in post-harvest farming practices Wheat/Rice straw baler is proven best in straw collection and recycling. Paddy straw baler is connected to the tractor, it gathers the straw and by means of hydraulic mechanism ejects the completed bales through a tailgate. The machine clears the soil for next crop, preserves the nutrients of the soil and provides income to the farmer.
Mini-Rotavator is a light-weight and compact machinery suitable to maintain and prepare small gardens. It can loosen and aerate the soil, 4 to 7 inches deep. It is best machinery for weed control and soil pulverization which can be used for small farms, fruit and vegetables, orchards, gardening and nurseries. Mini-Rotavator or Walking Tractor is very suitable for soil conditioning, weed control, seedbed preparation and puddling in small fields.
Terms & Conditions
| Operational Jurisdiction | All branches of ZTBL |
| Eligibility Criteria |
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| Items/Product to be Financed | Rice/Wheat Straw Bailing Machine Mini Rotavator (Walking Tractor) |
| Documents Required | CNIC Copy, Loan Application, Agri. Pass Book/Fard Jamabandi, 2 recent photographs. |
| Maximum Loan Limit | Upto 2.500 Million per borrower/party. |
| Borrower’s Contribution | 10% of the loan amount will be deposited by the borrower as self-contribution. |
| Collateral | The loan would be secured against all types of securities acceptable to the Bank. In case of its non-availability, parents/family member’s security can be accepted as a co-applicant. |
| Cost of Credit | As per Bank’s rule. |
| Rate of Mark-Up | The prevailing rate of mark up on development banks loans is applicable. |
| Sanction of Loan | Loan will be sanctioned by Credit Review Department (CRD), at Head Office. |
| Repayment Schedule | Loan would be recovered within 08 years in half yearly installments with grace period of six (06) months. | Monitoring | Close monitoring would be carried out by the respective Bank authorities. |
