Retail Asset Products

Rural Banking

Agriculture is the lifeline of Pakistan’s economy; and it accounts for 19.5 percent of the gross domestic product (GDP) which translates into more than PKR 6 Trillion. Agriculture sector employs 42.3 percent of the labor force and provides raw material for several value-added sectors.

UBL is very much cognizant of the importance of the agriculture sector for the social and the economic development of rural masses of country. UBL, as pioneer financial institute, has always remained on the forefront for serving the rural and agriculture sector in Pakistan.

Currently we have an extensive network of more than 600 Rural Branches engaged in providing comprehensive "banking services to" the rural masses of Pakistan.

Agriculture Lending Products

UBL Zarai Khushali

Zarai Khushali provides tailored agricultural financing for farmers, agribusinesses, and corporate farming enterprises. Supporting both working capital and long-term development needs, it offers accessible financing to promote sustainable growth in Pakistan's agricultural sector.

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UBL Farm Machinery & Transport Finance

Farm Machinery & Transport Finance provides farmers and agri-entrepreneurs with financing for agricultural machinery, equipment, and transport. The solution supports farm mechanization, improves productivity and efficiency, and promotes sustainable growth across Pakistan’s agricultural sector.

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Electronic Warehouse Receipt (EWR)

Electronic Warehouse Receipt (EWR) Financing enables farmers to access working capital by using stored agricultural produce as collateral. The solution provides flexible financing, helps farmers manage cash flow, and allows them to benefit from favorable market prices while supporting sustainable agricultural growth.

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UBL Urooj (Exclusive for Women)

Financial inclusion demands that both men and women get equal opportunities to access and use formal financial services. However, currently, women are disproportionately under-served by the country’s financial system. This disparity impedes Pakistan’s national economic development. The goal of the proposed policy in this document is to engender equality in banking and reduce the gender gap in financial inclusion

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Financing against Liquid Securities

The credit facilities against liquid securities offers value proposition to customers in an optimal way. Lending against cash backed collateral / liquid security remains an attractive option for customers who desire to obtain short to medium term financing to bridge their individual / business liquidity needs without liquidating their own cash or cash equivalent assets.

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SBP Refinance Schemes

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