Agricultural
Rural Banking
With over 20% of Pakistan’s GDP accounted for by agriculture, UBL realizes its significance to the country’s economy. That is why the bank offers a vast and diverse mix of agricultural based finance products.

Agricultural Products

Agricultural Loans

  • Easy and convenient
  • Competitive Pricing
  • Minimum documentation
  • Relaxed eligibility criteria
  • Availability throughout the country
  • Highly qualified and skilled staff
  • Efficient Processing with minimum Turnaround Time
  • Customized to satisfy the Farmer’s needs

Farm Loans

Crop Input Loans

  • To cater the production, harvesting & marketing cost of crops
  • Revolving Loan with multiple transactions facility
  • Tenure 3 Years to be reviewed annually
  • Documentation once for 3 Years
  • Mark up charged on used amount only
  • Mark up repayments Half Yearly
  • Clean up Once in a Year with facility of credit summations
  • Minimum amount PKR 200,000 & maximum amount PKR 40,000,000

Development Loan

For Land Improvement, Orchards, Construction of storage facilities and purchase of commercial vehicles, machinery, Tractors, Turbines, Tubewells, Implements etc.

  • Term Loan with One Time disbursement
  • Payable in maximum 5 Years
  • Flexible payments in equal monthly/Quarterly/Half Yearly Instalments
  • Minimum amount PKR 200,000 & maximum amount PKR 40,000,000

Non Farm Loans

Livestock Farming, Poultry Farming, Poultry Feed Mills, Hatcheries, Processing Units, Dairy Farming, Fisheries

Working Capital Loans

  • To cater the day to day working capital requirements
  • Revolving Loan with multiple transactions facility
  • Tenure 3 Years to be reviewed annually
  • Documentation once for 3 Years
  • Mark up charged on used amount only
  • Flexible Mark up repayments Monthly/ Quarterly/ Half Yearly
  • Clean up Once in a Year with facility of credit summations
  • Minimum amount PKR 200,000 & maximum amount PKR 40,000,000

Term Loan

For construction of sheds, Ponds, Feed Mills, Hatcheries, Purchase & erection of machinery for sheds, Feed mills, hatchery, fattening units, milk chillers, Vans etc.

  • Term Loan with One Time disbursement
  • Payable in maximum 5 Years
  • Flexible payments in equal monthly/Quarterly/Half Yearly Instalments
  • Minimum amount PKR 200,000 & maximum amount PKR 40,000,000

Eligibility Criteria

  • Should be a Pakistani & holding Valid CNIC
  • Preferably an account holder of UBL
  • Permanent resident of the area
  • Self cultivator
  • Not a defaulter of any bank
  • Have repayment capacity
  • Able to produce proper securities / Passbooks / sureties

Collateral

  • Bank charge on Agri Land through Zarie Passbook
  • Mortgage of Rural / Urban property other than Agriculture Land
  • Hypothecation of Farm equipments with backup collateral
  • Join registration of Tractor / vehicle with backup collateral
  • Growers' loans against continuing Guarantee of Agriculture processing units
  • Liquid Securities (Defence Saving Certificates, National Saving Certificate, etc.)

Other Terms & Conditions as per Bank Policy.