Kissan Zarri Taraqiati Loan (KZTL)

Loan for individuals who require working capital/funds to finance the below mentioned activities and are able to provide land, vehicle or gold ornaments as security to the bank.

Purpose of loan

Agricultural Development:

Solar Power Plant for Tube well/Turbine, Tractor, Trolley, Laser Level, Rotavator or purchasing of any other agricultural equipment.

Agriculture Production:

Working Capital for purchase of Crop Inputs i.e. seeds, fertilizers etc.

Loan eligibility
  • Minimum age 18 years and maximum age 60 years (At Loan Maturity)
  • Should have a Valid CNIC
  • Must be a permanent resident of same place from last 3 years.
  • Must have a minimum 3 years agriculture work experience at the same place and same business.
Loan Amount Minimum Loan Amount: Rs.50,000


Maximum Loan Amount: Rs.1,000,000

Loan duration Minimum: 3 Months


Maximum: 27 Months

Repayment Frequency

Semi Annually / Lump sum

Collateral Up to Loan Amount of Rs.150,000


  • Third Party Guarantee

Loan amount Rs.150,001 to Rs.1,000,000​

  • Passbook
  • Registry
  • Rural/Urban Property Documents
  • Hypothecation on Vehicle
  • Gold/Gold Ornaments
Disbursement to Individual farmers having land holding up to 12.5 Acres either own or leased.
Interest rate 29% p.a. (Declining)
Fee and charges As per bank SOC
Free Insurance *
  • Free Credit Life Insurance
  • Complementary Hospitalization & Death Insurance up to Rs.20,000/-