Sada Bahar Scheme (SBS)

In order to facilitate the farmers and provide the timely inputs (seed, fertilizer, pesticides, insecticides, POL and labour charges etc) for crops loan under Sada Bahar Scheme(SBS) are provided. Besides, working capital for dairy, poultry and fishery are provided to the interested borrowers under the scheme. The salient features of the scheme are as under:Operational Jurisdiction: Selection of Borrowers: Delivery Channel: Collateral: Rate of Mark up: Documents Required: Maximum Limit: Loan Disbursement: Repayment: All over Pakistan Under the scheme the Bank MCO selects the Borrowers keeping in view of the criteria fixed for Sada Bahar Scheme (SBS). Branch Tangible Securities 9% p.a with 1% rebate for timely repayment. CNIC Photocopy, Loan Case File, Agri. Pass Book & 2 recent photographs Rs.0.500 million per borrower/party. The borrower can draw the credit in lump sum or in piece meal according to his need/requirement. i. Loans disbursed for Wheat & other Rabi Crops from 1st October to 31st March, due date for recovery would fall on 7th July. ii. Loans disbursed for Cotton, Paddy & other Kharif Crops from 1st April to 30th September, due date for recovery would fall on 7th January. iii. Loans disbursed for sugarcane during the months of September/October and February/March cultivation being Kharif Crop, would be recovered in two equal installments on 7th January & 7th April with following grace period:a. September/October cultivation with minimum 14 months grace period. February/March cultivation with minimum 09 months grace period. Inputs i.e. seed, fertilizer and pesticides etc. Working capital for Poultry, Dairy, Fishery and Orchards.. Loan Case File Rs.100/ Postal Charge Rs.500/

i.

b.

Loanable Items: Cost of Credit

Appraisal Fee (LA fee @ 1% uptoloan of Rs.50,000/- & 2% aboveRs.50,000/- to 1.000 Million)

One Window Operation/ Zarkhaiz Scheme (ZS)

Salient features of the Scheme:

An easy way to get Agri.Pass Books. Credit needs of the farmers at the ir doorsteps. All formalities from the issuance of Agro.Pass Book to processing of loan are completed on the spot. Simplified documentation. Timely disbursement. Focus on small farmers.

Operational Jurisdiction:

Throughout Pakistan (except Mingora Zone in KPK, Turbat Zone in Balochistan Province and Gilgit-Baltistan being un-settled/hilly areas). Selection of ZTBL MCOs, Revenue and postal staff meet at selected focal points Farmers/ once a week on each Monday. Blank Agri.Pass Books are supplied Borrowers: by the postal authorities. Patwari/Revenue officials enter land record in Agri.Pass Books. Farmers after obtaining pass books from revenue officials meet ZTBL MCOs for loans. Loan Case File (costing Rs.100/- otherwise) is supplied to the intending borrowers free of cost. Delivery Channel: ZTBL, Revenue, Postal authorities and Supplier through selected focal points. Collateral: Agri.Land mentioned in Agri. Pass Book Eligibility Ctiteria : Farmers having irrigated land up to 25 acres and barani land up to 50 acres. Documents CNIC Photocopy, Loan Case File, Agri. Pass Book & 2 recent Required: Photographs of borrower. Maximum Sanction Rs.0.2 million per borrower/party. Limit: Rate of Mark up: 9% p.a with 1% rebate on timely repayment. Incentive: The farmers are facilitated at the focal point where the bank, revenue and postal officials are available. Loanable Items: Cost of Credit Inputs-Seed-fertilizer,pesticides/insecticides/POL/labour charges etc) Postal ChargesRs.500/

Appraisal Fee (LA fee@1%upto loan of Rs.50,000/- & 2% aboveRa.50,000 to 1.000 million)

List of Loan Schemes

Sada Bahar Scheme (SBS) 2Zarkhaiz Scheme (ZS) 3- Establishment of Model Village by ZBTL 4Awami Zarai Scheme (AZS) 5Green Revolution Scheme (GRS)
1-

Establishment Of Model Village by ZTBL

In order to implement Government's vision to ensure development of Agri. Sector in a phased manner, establishment of one Model Village in each Zone of the Bank is launched. The pilot project will be implemented with the collaboration of Ministry of Food & Agriculture/ Provincial Agriculture Departments. An exclusive Agriculture Officer/Mobile Credit Officer will be posted in each selected Model Village who will be responsible for provision of services to the farming community such as:

Provision of credit facilities for 100% requirements Improvement of present/existing production level by introducing latest technologies among the farmers of the area in collaboration with public and private agencies dealing in farm inputs/agri-technologies. Extend full support to raise income of inhabitants in dairy, poultry, livestock and bee farming etc. Facilitate farmers in marketing of the ir crops/produces on the best prevailing market rates.

Rate of Mark up: 9% p.a. with 1% rebate on timely repayment. Documents Required: CNIC Photocopy, Loan Case File, IB-7 Agreement, Agri-Pass Book & 2 Latest Photographs. Maximum Loan Rs.1.000 million per borrower/party. Limit:

Awami Zarai Scheme (AZS)- Farm Credit

Mandatory for all new borrowers and optional for existing borrowers of crop production loan under Sada Bahar Scheme to avail revolving limit under Awami Zarai Scheme to get inputs through M/s Kissan Support Services Limited (KSSL) - a subsidiary of ZTBL under kind system. The prime features of this scheme are hereunder:Operational Jurisdiction: Selection of Borrowers : Collateral: Rate of Mark up: Documents Required: Maximum Limit: Loan Disbursement: Repayment Schedule: All over Pakistan Bank MCO selects the Borrowers keeping in view the criteria fixed for Sada Bahar Scheme Tangible Securities. 9% p.a with 1% rebate for timely repayment. CNIC Photocopy, Loan Case File, Agri. Pass Book & 2 recent photographs Rs.0.500 million per borrower/party. Disbursement is made after supply of inputs on the basis of supply order issued in the name of KSSL, receipt of bill & acknowledgement receipt duly signed by the borrower in the branch 1. Loans disbursed for wheat & other Rabi Crops from 1st October to 31st March, their recovery date would fall on 7th July with one month grace period 2. Loans disbursed for Cotton, Paddy & other Kharif Crops from 1st April to 30th September, their recovery date would fall on 7th January with one month grace period 3. Loans disbursed for the Sugarcane during the months of September/ October and February/ March cultivation being Kharif Crop, would be recovered in two equal installments on 7th January & 7th April with following grace period: i. September/ October cultivation with minimum 14 months grace period.

ii. February/ March cultivation with minimum 09 months grace period. Loanable Items: Inputs i.e. seed, fertilizer and pesticides etc. Cost of Credit Loan Case File Rs.100/ Postal Charge Rs.500/

Appraisal Fee (LA fee @ 1% uptoloanof Rs.50,000/- & 2% aboveRs.50,000/- to 1.000 Million)

Green Revolution Scheme

In order to achieve the aim of providing farm machinery and implements to encourage the mechanized farming for the enhancement of agriculture productivity as compared with traditional tillage system a Memorandum of Understanding between Zarai Taraqiati Bank Ltd. and Department of Agriculture. AJ&K has been signed under title of Green Tractor Scheme. The main features of this scheme are listed hereunder:Operational Throughout AJ&K Area Jurisdiction: Selection of Bank MCO Selects the Borrowers on the recommendation of Borrowers: Department of Agriculture, AJ&K Delivery Branch/Department of Agriculture, AJ&K Channel : Mark up Rate: 9% p.a with 1% rebate on timely repayment. Document CNIC Photocopy, Loan Case File, IB-7 Agreement, Agri. Pass Book & Required : 2 Photographs of borrower Collateral: Tangible Properties Maximum Credit Rs.1.000 million per borrower/party Limit: Incentive: AJ&K Government would reimburse the amount of mark up charged by the Bank provided the borrowers repay the loans on due date. Repayment: The loan will be recoverable within 5 years in 10 equal installments commencing after six month of issuance of DD.