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

Asset Purchase of Agriculture Implements

  • Tractor
  • Laser level
  • Chisel plough
  • Rotavator
  • Cultivator
  • Ridger
  • Planker
  • Drill machine
  • Reaper
  • Harrow
  • Disc Plough
  • Trolley
  • Thresher
  • Irrigation tube well/turbine
  • Peter Engine
  • Lining of water channel

Working Capital Loan for Purchase of Crop Inputs (Up to PKR 150,000)

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.500,000

Loan duration Minimum: 3 Months


Maximum: 24 Months

Repayment Frequency Monthly, Quarterly, Semi Annually and Annually.
Collateral Up to Loan Amount of Rs.100,000


  • Third Party Guarantee

Up to Loan Amount of Rs.500,000

  • 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 28% (Declining)
Fee and charges As per bank SOC
Free Insurance *
  • Free Credit Life Insurance
  • Free Medical Insurance (For Borrower and spouse up to Rs.20,000)