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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.
In order to engage youth in national development, who form major segment of rural population in Pakistan and to raise their living standard and check their migration to urban areas, it has been decided to launch “Asan Qarza Scheme”.
Terms & Conditions:
| Operational Jurisdiction | All ZTBL branches across Pakistan. |
| Eligibility | All creditworthy & reputable youth with age limit from 18-35 years having capacity to repay are eligible to apply for a large number of activities under this scheme. |
| Documents Required | CNIC Copy, Loan Application, Agri.Pass Book/Fard Jamamadi, 2 recent photographs. |
| Maximum Loan Limit | Rs.0.500 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. In case rural youth have no security their parents/family member’s property can be accepted as a co-applicant. |
| Cost of Credit | As per Bank’s Rules. |
| Sanction of Loan | Loan will be sanctioned by the Credit Review Department (CRD) at Head Office. |
| Repayment Schedule | The loan is recoverable within 5 years in half-yearly installments. |
| Rate of Mark Up | The prevailing rate of mark up on development loans is applicable. |
| Monitoring | Strict monitoring is exercised by ensuring checking of utilization by the MCO in 100% cases and sample checking of utilization by the Branch Manager, Regional Manager (Recovery) and Internal Auditors of the Bank. |
