Govt. of Punjab Mark-up free Agri. E-Credit Scheme

In order to support Punjab Government efforts to increase agri. produce as well as to alleviate rural poverty among small and poor farming segment of the society, the Bank has decided to launch subject cited scheme across the Punjab Province.
The scheme is unique in terms of provision of subsidy (free of mark-up) by the Govt. of Punjab for provision of quality input loans to the farmers by facilitating them free of cost registration at Suhulat Centres to be maintained by Land Record Management Information System (LRMIS) in collaboration with Punjab Information Technology Board (PITB)
The disbursement of the loan would be made to the farmers through open mobile wallets of Telcos linked with Assan Account.

Terms & Conditions

Operational Jurisdiction

The scheme has been launched in all districts of Punjab province through network of ZTBL Branches.


  • The farmers having land ownership ranging from 2.5 acres upto 12.5 acres are eligible to apply. However, Mark-up subsidy would be paid by the GoPb upto 05 acres on timely repayment of loan.
  • The applicant farmer should be the resident of same rural union council where the land is located.
  • The borrower must have valid copy of CNIC.
  • Clear CWR
  • ORR rating upto 4
The scheme will be available for Rabi & Kharif crops for 05 years from 2016-17 to 2020-21.

Documents Required

  • Loan Case File/Booklet.
  • E-Pass Book/Agri.Pass Book.
  • Khasra Girdawari, Copy of sanctioned mutation holding valid legal charge on property taken as security in favour of Bank.
  • Two recent photographs and valid copy of CNIC.

Maximum Loan Limit

The maximum loan limit for the scheme is Rs. 350,000/- per borrower/party for input/production loan which would be provided in one (01) installment on seasonal basis. Bifurcation of the same is given below:-

  • For Rabi crops upto Rs. 30,000/- per acre
  • For Kharif crops Rs. 40,000/- per acre.


All types of tangible securities/properties acceptable to the Bank including agriculture land under Pass Book System/digitalized/e-Pass Book.


All types of tangible securities/properties acceptable to the Bank including agriculture land under Pass Book System/digitalized/e-Pass Book.


The verification of processed loans will be conducted by the GoPb through chartered accountant firms hence utilization of loans should be vigilantly/timely checked by the respective MCOs in 100% cases, Branch Managers, Zonal Chiefs and Internal Auditors of the Bank as per prescribed criteria/ standing instructions of the Bank.

Repayment Schedule

The loan to be advanced for Rabi crops (to be disbursed from 1st October to 31th March) would be recoverable on 7th July and for Kharif crops (to be disbursed from 1st April to 30th September) on 7th January.

Rate of Markup

Mark-up of loans under the scheme will be charged by ZTBL @ 12.50% p.a. Mark-up subsidy by Govt. of Punjab would be provided for 05 years on timely repayment of loan. The loan for first two years would be free of Mark-up whereas for the third, fourth & fifth year the borrowers would bear 4%, 8% & 12 % Mark-up cost respectively.

Monitoring and Evaluation

Bank will facilitate the Audit Firm for verification of at least 10% of disbursed loans as appointed by the Department of Agriculture, Govt. of Punjab Lahore.

Saad Ur Rehman Saadi
Saad Ur Rehman Saadi

My name is Saad ur Rehman, and I hold a M.Sc (Hons.) in Agronomy and MA in Journalism. I am currently serving as an Agriculture Officer in the Agriculture Extension Department. I have previously worked with Zarai Tarqiati Bank as an MCO. With my education in agriculture and journalism, I am able to effectively communicate issues that affect farmers' daily lives. In recognition of my community and literary services, I was awarded a gold medal by the government.

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