Agri Finance
Zarai Murabaha Finance Scheme
Under Murabaha Finance Scheme, the Financing facilities are available for Short & Medium Term for On and Off Farm activities of farmers. On Farm financing includes financing for Farm Inputs i.e. purchase of Seeds, Fertilizer and Pesticides etc. Off Farm activities include purchase of Milch and fattening animals, Livestock, Day old Chicks, Poultry/ Dairy Feeds, On and Off Farm Machinery etc.
- Purchase of Agri.in puts (Seeds, Fertilizer, pesticides etc) for crops/Vegetables/Orchards with finance tenure up to three years.
- Purchase of Farm Machinery (Tractor implements/ attachments and tube well etc) with finance tenure up to four years with recovery in quarterly/half yearly installments.
- Purchase of dairy animals (Buffaloes & Cows) with finance tenure up to 05 years with recovery in monthly installments.
- Purchase of fattening animals with finance tenure up to 01 year with recovery in quarterly/half yearly installments.
- Short term working capital requirements of agribusiness for purchase of raw material, Feed and Medicine for Dairy/Poultry/ Fish Farm etc with finance tenure up to 01 year with recovery in quarterly/half yearly installments.
- Takaful coverage of the financed items.
- Permanent Resident of Pakistan.
- Holder of Valid Computerized National Identity Card.
- Not a defaulter of any Bank/DFI
- Capable of repayment of the facility and satisfy security requirements of the Bank.
- Age should not be more than 65 years.
- The subject matter of Murabaha should be permissible in Sharia & Law.
- Must have sufficient experience in concern Business.
- Satisfactory Cash flow Assessment.