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Zarai Khushali
Rural Banking

Zarai Khushali

The product is aimed at providing production loans and development loans to farming community. Product loan includes financing facilities for crop input like seeds, fertilizers, pesticides etc. and working capital to meet expenses of various nature attributable to farm and non-farm activities which may include Dairy Farms, Poultry Farms, Fish Farms.

Development Finance includes finance for improvement of agricultural land, water course development, orchards, construction of Poultry & Dairy Farms.

Key Features:
  • Term Loans and Working capital loans
  • Limit from PKR. 0.2m to PKR. 40M
  • Three years’ tenure with yearly review (Running Finance), 10 years for Term Loan (Development Finance)
  • Monthly/Quarterly/Half yearly (Farm Finance six monthly)

  • The applicant shall be a resident of Pakistan residing/working at the same place continuously for 3 years.
  • The applicant must be holder of valid CNIC/SNIC
  • The age of the borrower shall be between 20 years to 60 years
  • The applicant himself shall be a genuine farmer engaged in cultivation & possession of Agri land (Owned or Leased)
  • The applicant shall not be a defaulter of any bank/Financial institution.
  • The applicant shall be able to provide acceptable collateral as per bank’s requirement.

Documents Required:

  • Copy of CNIC/SNIC
  • One passport size photograph of the applicant
  • Updated Zarai Passbook &/or other collateral documents
  • Khasra Gardawri/Field book/ DAH form VII / Land Revenue tax receipt
  • Other documents if required

How to Apply

Please visit our nearest Agri designated Branch.