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Agri. Financing Scheme for “Floriculture & Green Houses”

In order to promote the floriculture sector & establishment of green houses in Pakistan and to facilitate the rural community to utilize their best potential and skill to earn their livelihood through flower & off-season vegetable cultivation, this exclusive scheme has been launched by the Bank. This will also help in reduction of unemployment among rural masses.

TERMS & CONDITIONS:

Operational Jurisdiction All ZTBL branches across Pakistan.
Eligibility Criteria
  1. All creditworthy and reputable farmers engaged in flowers and vegetable cultivation are eligible to apply for credit under this scheme. However, old borrowers having good repayment behavior and familiar with the above activity would also be considered for such loan.
  2. Clear e-CIB Report from SBP
  3. Obligor’s Risk Rating (ORR) upto 4
Documents Required CNIC Copy, Loan application, Agri.Pass Book/Fard Jamabandi, 2 recent photographs
Maximum Loan Limit Rs. 5.000 million per borrower/party.
Borrower’s Contribution 10% of the loan amount will be deposited by the borrower as self-contribution.
Collateral Tangible properties owned by the borrowers as per policy of the Bank.
Cost of Credit As per the Bank’s Rules.
Repayment Schedule Loans under the scheme would be recoverable as under:

  1. Loan for Rose cultivation would be recoverable within five years in half-yearly installments with a one-year grace period
  2. Loan for Tube Roses & Gladiolus cultivation would be recoverable within five years in half-yearly installments with six months’ grace period.
  3. Loan for Tunnel Farming and Greenhouses would be recoverable within five years in half yearly installments with one-year grace period
  4. Loan for Potted & Ornamental Flowers would be recoverable within five years in half-yearly installments with six months’ grace period
Rate of Mark Up The prevailing rate of mark up on development loans is applicable.
Sanction of Loan Loan under the scheme will be sanctioned by Credit Review Department (CRD) at Head Office.
Monitoring Close monitoring would be carried out by the respective Bank authorities.

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  • Headquarter: 1 Faisal Ave, Near Zero Point Interchange, G-7/1, Islamabad Capital Territory, P.O Box 1400.
  • UAN: 051- 111-30-30-30
  • Tel:(051) 9252805
  • *For Pakistan, ZTBL calls its customers from 051-7080500 & 051-7080501
  • Customer verification for visa/ immigration purpose
  • Email: head.bod@ztbl.com.pk
  • Email: contactus@ztbl.com.pk
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ZARAI TARAQIATI BANK LIMITED (ZTBL) is licensed and regulated by the State Bank of Pakistan