ZarKhaiz Loan Eligibility. If you’re a farmer in Pakistan looking for low-interest agricultural loans in 2025–26, ZarKhaiz Bank may be your best option. This updated guide explains ZarKhaiz Loan Eligibility, requirements, and how to apply—clearly and practically.
What Is ZarKhaiz Bank? (ZTBL Overview)
ZarKhaiz Bank, formerly known as Zarai Taraqqiyati Bank Limited (ZTBL), is Pakistan’s leading agricultural finance institution. It mainly supports farmers, rural households, and agri-businesses by offering subsidized loans for crop production, land development, machinery, and livestock.
The core mission of ZarKhaiz Bank is to:
- Improve agricultural productivity
- Support small and medium farmers
- Promote sustainable rural development
ZarKhaiz Loan Eligibility 2025–26 (December Update)
To qualify for a ZarKhaiz agricultural loan in 2025–26, applicants must meet the following updated eligibility criteria:
Eligibility Criteria Table
| Requirement | Details |
|---|---|
| Farmer Status | Applicant must be a landowner or tenant farmer involved in self-cultivation |
| Land Ownership Limit | Small to medium landholders (generally up to 12.5 acres) |
| Priority Segment | Farmers with less than 5 acres are given special preference |
| Credit History | Applicant must not be a loan defaulter of any bank |
| Collateral | Acceptable security based on loan amount |
| Residency | Must be a Pakistani citizen with local domicile |
| CNIC Validity | Active & valid CNIC required |
| Land Records | Verified land record (Fard or lease documents) |
Who Can Apply for ZarKhaiz Loan?
You can apply if you are:
- A crop farmer
- A tenant (muzare) with valid lease documents
- A livestock or fisheries farmer
- A rural resident engaged in agricultural activity
Types of ZarKhaiz Loans Available (2025–26)
1. Production Loan
Used for day-to-day farming expenses such as:
- Seeds
- Fertilizers
- Pesticides
- Labor costs
Best for: Seasonal crops like wheat, rice, sugarcane, cotton.
2. Development Loan
Designed for long-term agricultural improvements:
- Tractor & machinery purchase
- Tube-well installation
- Land leveling & irrigation systems
Best for: Farmers expanding or modernizing farms.
3. Livestock & Fisheries Loan
Supports income generation through:
- Dairy farming
- Poultry setup
- Fish farming projects
Required Documents for ZarKhaiz Loan
Prepare the following documents before applying:
- Copy of valid CNIC
- Land ownership documents (Fard / Registry / Lease deed)
- Bank statement (last 6 months)
- Filled application form
- Recent passport-size photographs
Tip: Ensure land records are updated in Punjab Land Records Authority (PLRA) or relevant provincial system.
How to Apply for ZarKhaiz Loan in 2025–26
ZarKhaiz loans are primarily processed offline to ensure land verification.
Step-by-Step Application Process
- Visit Nearest Branch
Go to your nearest ZarKhaiz Bank (ZTBL) branch. - Get Application Form
Request the form for your required loan category. - Submit Documents
Attach all required documents and submit the form. - Verification Process
Bank officials may:- Verify land records
- Conduct a field visit
- Loan Approval & Collateral
After approval, submit required security. - Fund Disbursement
Loan amount is transferred to your bank account.
Processing Time: Usually 2–4 weeks depending on verification.
ZarKhaiz Loan Interest Rate & Subsidy (2025–26)
- Interest rates are government-subsidized
- Lower than commercial banks
- Special relief packages may apply during:
- Crop seasons
- Natural disasters
(Rates may vary by province & loan type)
Common Reasons for Loan Rejection
- Incomplete land documents
- Bad credit history
- Fake tenancy claims
- Exceeding land ownership limits
FAQs About ZarKhaiz Loan Eligibility
Is ZarKhaiz Bank government-owned?
Yes, ZarKhaiz Bank (ZTBL) is a government-backed financial institution.
Can tenant farmers apply for ZarKhaiz loans?
Yes, tenant farmers can apply with valid lease documents.
What is the maximum land limit for eligibility?
Generally up to 12.5 acres, but priority is given to farmers with under 5 acres.
Is online application available?
Currently, applications are processed physically at bank branches.
How long does loan approval take?
Usually 2 to 4 weeks, depending on verification.
Conclusion
ZarKhaiz Loan Eligibility 2025–26 offers a reliable opportunity for Pakistani farmers to access affordable agricultural financing. If you meet the eligibility criteria and prepare proper documents, this scheme can significantly improve your farming output and income.
