All ZTBL branches across Pakistan.

1. The Creditworthy and reputable rural populace all over the country, having capacity to repay are eligible to get financing under the said scheme. However, old borrowers having good repayment behavior and familiar with the above activity would also be considered for such loan.
2. Not defaulter of any other Bank.
3. Clear e-CIB Report.
4. ORR Rating up to 4.
5. The progressive borrower should possess technical know-how of Solar Energy Pump Systems & Bio Gas Unit so as to enable them to establish and run the unit in a commercially viable manner.
6. Quotation/estimate for installation of Solar Energy System & Bio Gas Unit/Plant from the firm/entity to be verified by respective Branch Manager, duly accepted by the prospective borrower would be required.

CNIC Copy, Loan application, Agri. Passbook/Fard Jamabandi, 2 recent photographs.

Rs. 2.500 million per borrower/party.

The amount over & above the Bank’s maximum per borrower/party exposure will be invested by the borrower in the project as equity, or 10% of project cost if project cost is less than Rs. 2.500 million will be deposited in the Bank.

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

As per Bank’s Rules.

Prevailing Bank’s markup rate on development loans is applicable.

Loan upto Rs. 2.500 million will be sanctioned by Credit Review Department (CRD) at Head Office.

Insurance of assets to be created out of Bank loan will be arranged by the borrower.

Loans under the scheme would be recoverable as under :

1. Solar Energy Pumps/Systems loan would be recovered within 10 years in half-yearly installments with a grace period of six (06) months.
2. Biogas Unit/Plant loan would be recovered within 05 years in half-yearly installments with a grace period of six (06) months.

Close monitoring would be carried out by the respective Bank authorities.