State Bank of Pakistan & Agriculture Dept Certified

Agri Loans & Kissan Card Subsidy Portal زرعی قرضہ جات اور حکومتی سبسڈی

Instant eligibility calculator, comparison of subsidized government credit schemes, and single-window application submission for verified Pakistani farmers.

Kisan Credit Limit & Subsidy Calculator (اہلیت اور سبسڈی کیلکولیٹر)

10 Acres
1 Acre (Smallholder)12.5 Acres (Subsidy Limit)50 Acres (Large Commercial)
Estimated Credit Limit (مطلوبہ قرض کی حد)
₨ 600,000
Based on SBP 2026 agricultural indicative credit parameters
Govt Markup Subsidy Benefit:Save ₨ 48,000/yr
Repayment Frequency:Post-Harvest (6 Months)

Available Agricultural Finance Schemes (پاکستان کے زرعی قرضہ پروگرامز)

Govt of Pakistan & HBL / BOPGovt Subsidized

Prime Minister Kissan Card Scheme

وزیراعظم کسان کارڈ بلا سود سکیم
Max Amount:₨ 150,000 per season
Interest Rate:0% (Completely Interest-Free)
Repayment Term:6 Months (Post-Harvest Repayment)
REQUIRED DOCUMENTS:
  • CNIC
  • Fard-e-Malkiat (فرد ملکیت)
  • Biometric Verification at Khidmat Markaz
Zarai Taraqiati Bank Limited (ZTBL)Govt Subsidized

ZTBL Zarai Production Loan

زرعی ترقیاتی بینک پروڈکشن لون
Max Amount:₨ 1,500,000
Interest Rate:KIBOR + 3% (Subsidized)
Repayment Term:1 Year (Renewable on rollover)
REQUIRED DOCUMENTS:
  • CNIC copy
  • Passbook / Land Revenue Record
  • 2 Personal Guarantors with Agri Land
The Bank of Punjab (BOP)

BOP Solar Tube-Well Finance

بینک آف پنجاب شمسی ٹیوب ویل فنانسنگ
Max Amount:₨ 3,500,000 (80% of project cost)
Interest Rate:11.5% Per Annum
Repayment Term:3 to 5 Years (Half-yearly installments)
REQUIRED DOCUMENTS:
  • CNIC
  • Title deeds of agricultural land
  • Vendor solar quotation & site feasibility
Khushhali Microfinance Bank

Khushhali Agri Enterprise & Dairy

خوشحالی ڈیری و مویشی لون
Max Amount:₨ 350,000
Interest Rate:14% Flat Rate
Repayment Term:12 to 18 Months
REQUIRED DOCUMENTS:
  • CNIC
  • Utility bill of village residence
  • 1 Local Community Guarantor

Essential Checklist for Pakistani Agri Loans

State Bank of Pakistan regulations require verified land records for loans above ₨ 150,000. Ensure you have the following ready before your bank inspection:

1. Fard-e-Malkiat (فرد ملکیت): Obtain certified copy from your local Arazi Record Center (PLRA) or Deh Patwari within 3 months of validity.
2. Khasra Girdawari (خسرہ گرداوری): Harvest inspection register proving you physically cultivated the crop during the current Kharif/Rabi cycle.
3. Agri Passbook (پاس بک): Issued by Tehsildar under the Loans for Agricultural Purposes Act 1973 for fast mortgage registration.