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Purpose of Product

Agri Plus Loan is being launched to cater the financing needs of the following segments of the society:
Agriculture & Livestock farmers, who are engaged in Agri Farming / cultivation of Crops and/or engaged in raising, breeding and fattening of animals at small or microenterprise scale.

Eligibility Criteria

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.

Loan Amount

General Category Loan: PKR 50,000 to PKR 350,000/-
Microenterprise Category Loan: PKR 350,001 to PKR 3,000,000/-

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

For complete Product Pricing Structure, please click here.

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