Zarai Taraqiati Bank Limited

Zarai Taraqiati Bank Limited (ZTBL) operates as Pakistan's primary agricultural development bank. It offers a wide range of financial services. These services cover retail, corporate, Islamic, and agricultural financing.

Retail and Business Banking

The ZTBL Bakht Account requires a PKR 100,000 minimum monthly average balance. It provides free basic ATM card issuance. The ZTBL Savers Plus Account links profit rates to quarterly SBP KIBOR fixing. An un-remunerative fee of PKR 50 applies if the balance is below PKR 200. The ZTBL Current Access Account has zero profit entitlement. It is fully non-remunerative. It offers unlimited cheque book issuance.

ZTBL Agro-Enterprise Finance offers up to PKR 100 million tenor financing. This targets agri-processors. Collateral coverage can be down to 80% for government-backed projects. The ZTBL SME Growth Facility provides loan ticket sizes from PKR 0.5 to PKR 15 million. Its interest rate is pegged at SBP refinancing plus 2% margin. ZTBL Corporate Working Capital Line offers revolving limits up to 12 months. It accepts cash-funded LCs up to 90% of the export contract value.

Islamic and Agricultural Financing

ZTBL provides Islamic banking products. The ZTBL Agro Musharakah Facility uses a pre-agreed profit-loss sharing ratio of 70:30. Its financing tenor is up to 9 months per cropping cycle. ZTBL Islamic Murabaha Crop Financing features a fixed cost-plus mark-up at contract inception. Disbursement occurs via commodity inventory receipts. The ZTBL Salam Seasonal Financing includes a pre-payment deposit mechanism. This is for future crop delivery. Commodity grade and delivery location are specified at contract setup.

The ZTBL Khushaal Farmer Package combines short-term and long-term loans. It offers up to PKR 5 million. Tenor extends up to 3 years with seasonal repayment schedules. The ZTBL Sada Bahar Revolving Scheme allows automatic rollover. This is for up to 4 consecutive seasons. SBP subsidized rates apply, capped at 3% per annum. ZTBL Tractor & Machinery Finance covers up to 80% of machinery invoice value. The maximum tenor is 7 years with semi-annual principal installments. The ZTBL Tube Well Modernization Loan covers up to 75% of replacement cost. This applies to modern pump sets. Tenor is up to 5 years with fixed-rate pricing.

Digital and Specialized Services

ZTBL Kissan Support App enables mobile-based loan application. It also provides disbursement tracking. In-app digital documentation is e-signature enabled. ZTBL e-Banking Connect supports real-time fund transfers (IBFT). It also processes bill payments. Two-factor authentication uses SMS OTP. The ZTBL Mobile App features QR-code based instant payments. It allows biometric login. ZTBL Zarai Baithak offers integrated farmer advisory terminals. These are located at branch Baithaks. It also includes geotagged agronomy knowledge libraries.