Agriculture and Livestock formers and horticulturists aged between 20-63 Years (Maximum age should not exceed 64 Years & 8 Months at the time of maturity of loan) must have minimum 2 years relevant experience.

• For Agri Production / Input
• For Development / Asset Purchase Needs I.e. Development of Solar Tube Wells, Construction Sheds, Storage Places or Warehouses and non-farm activities, etc.
• Raising, Breeding, Rearing and Fattening of Animals (Local/Imported Cows, Buffalos, Bulls, Sheep and Goat Only)
• Fisheries and Poultry

For Loans below/equal to Rs. 350,000/- i.e. General Loans

• Annual Income (Net of Business Expenses) should not exceed Rs. 1,200,000/-

For Loans above Rs. 350,000/- i.e. Microenterprise Loans

• No Maximum income limit

General Category Loan:

• PKR 50,000 – PKR 350,000/- (with Initial Maximum of Rs. 100,000/-)

Microenterprise Category Loan:

• PKR 350,001 – PKR 3,000,000/-

12 Months – 36 Months

• Markup: Monthly, Quarterly or Half Yearly
• Principal: at Maturity of loan/With last installment

Guarantor is Mandatory for General Loan Category with following minimum requirements:

• Engaged in Business / Income Generating Activity / Salaried Person
• Having verifiable annual income similar, (if not higher) than the Borrower
• Age: 22-60 Years
• Not a defaulter of any financial institution
• Should not be family member of Borrower (to be verified from Family number printed on back of CNIC or through physical verification of RM/VO)

• PG – No Margin Requirement (Amount to be mentioned of DP Note)
• Gold Backed Financing – As per current applicable circulars/Management decision regarding Margins requirement on Gold Backed financing.
• Agri Passbook Loan - 80% of the PIU Value

• For Loans below / equal to Rs. 350,000/-, DBR shall not exceed 40% of net take home income of Borrower.
• For Loans above Rs. 350,000/-, DBR shall not exceed 50% of net take home income of Borrower

• PG of Guarantor for Loans up to Rs. 350,000/-
• For loans exceeding Rs. 350,000/-
  • Gold or Gold Ornaments. Only net weight of gold contents will be considered for financing purpose
  • Against Bank’s charge on Agri. Pass Book. Only PIU value will be considered for financing.

• Free Credit Life Insurance (Permanent disability or Death of Borrower