Agricultural Loans - Zarai Qarza & Agri Passbook Loan

Agricultural Loans – Zarai Qarza & Agri Passbook Loan

For your perfect harvests!

U Bank offers Agricultural Loans in the form of the Zarai Qarza and the Agri Passbook Loan for small and medium-scale farmers. These loans enable them to easily and timely purchase seeds, fertilizers, pesticides, modern agricultural machinery & tools, and additional agricultural land.

Salient Features

Zarai Qarza (Agricultural Loan)

Loan Facility: PKR 40,000 to PKR 150,000

Loan Tenure: Up to 15 months

Meant to Meet Basic Agricultural Needs

Lump Sum Loan Repayment

Easy and Fair Loan Processing

Life and Health Insurance for Clients

Loan Facility on Personal and Collective Guarantee

Agri Passbook Loan

Loan Facility: PKR 150,000 to PKR 1,000,000

Loan Tenure: 6 to 60 months

Meant for the Purchase of Fertilizers, Seeds, Machinery, etc.

Repayment in Semi Annual or Annual Installments

Loan Facility without Individual Guarantee

Complimentary Credit Life Insurance

Optional Health Insurance for Client

Complimentary Crop Insurance

Required Documents

Valid CNIC
Passport-sized photograph
Valid CNIC
Passport-sized photograph
Copy of utility bill of applicant and guarantor
Attested copy of Agri Passbook
Documents of Fard Jamabandi attested by Patwari

Terms & Conditions are applicable

FAQs

Who can apply for this loan?

Any resident Pakistani with a valid CNIC / NICOP

What is the eligibility criteria?

Individual involved in agriculture and having an annual income of more than PKR 1.2 million

Is there any age limit for the borrower to avail this loan?

The age limit requirement is 25 – 64 years at the time of loan application and maturity respectively

What is the procedure to apply for this loan?

The customer will be required to follow the following steps:

Visit the nearest U Bank branch
Provide the required KYC documents
Sign the loan application form and submit

What documents are required to apply for this loan?

The following documents are required:

Valid CNIC
Passport-sized photograph
Copy of Agri Passbook

What kind of processing charges are there?

Processing Fee

What kind of collateral is required for this loan?

Charge on Agri Passbook

For what purpose can I receive this loan?

Agriculture

Do you have a Shari’ah-compliant version of this loan?

Yes. Please see: Asaan Kashtkar – Salam Financing

Agricultural Loans – Zarai Qarza & Agri Passbook Loan

How Much do you need ?

Rs 50,000 Rs 3,000,000

06 months 120 months

YOU ARE GETTING

Rs. 0

TERMS OF USE

Months

TOTAL PROFIT

Rs. 0

INSTALLMENT AMOUNT

Rs. 0

Recommended Products

Livestock Loan

Convenience like never before!

U Bank offers the Livestock Loan, which brings ease and convenience for both men and women involved in the livestock business and enables them to fulfill all their business needs. The Livestock Loan can be availed for the purchase and care of small and large animals, breeding, shed construction, medicine and vaccination, purchasing milk chillers, and acquiring other livestock business-related equipment and materials.

Tractor & Equipment Loan

Achieving better yields made easier!

U Bank offers the Tractor & Equipment Loan facility for agricultural customers to facilitate the purchase of tractors and other necessary machinery meant for farming. Farmers can use this loan to purchase agriculture machinery including tractors, trailers, threshers, Laser levelers, sprayers, seed drills, combine harvesters, levelers, fodder cutters, etc.

Success Stories

Bringing Dreams to Life

Yasir Sheikh, a resident of Sheikh Muhalla in Shikarpur, Sindh, always dreamed of running his own business. He began with a small cart selling snacks on the street and gradually expanded to owning a grocery store. As his family grew, Yasir’s desire to provide a quality education for his children intensified. He enrolled them in good private schools, but soon found himself struggling to manage the school fees alongside daily expenses. Faced with the difficult choice between feeding his family and paying for education, Yasir felt overwhelmed and worried. In search of a solution, Yasir turned to U Bank for financial support. The bank's staff guided him through the loan options, and he quickly secured the necessary funds with Barhta Karobar Plus Loan. Within a year, Yasir not only expanded his grocery business but also successfully repaid the loan. Today, his store offers a wider variety of products, his income has increased, and his children are receiving the education he always dreamed of providing. Yasir’s story is a testament to how U Bank's microfinance services can empower small businesses to improve lives and livelihoods in Pakistan.

From Salesman to Business Owner

M. Iqbal Qadri from Adda Shabeel, Sahiwal – Punjab, Pakistan, is a determined business owner, who was working for a small pharmacy as a salesman before progressing to opening his own shop in Sahiwal. Sahiwal, where he is from, is an agricultural region and his family had traditionally been farmers. Between 2006 and 2007, Iqbal worked as a salesman, before he decided to open up his own retail store. He further required capital to expand it and increase his customer inflow. With suggestions from his friends, he twice availed the U Bank Islamic Banking - Apna Karobar Premium Murabaha Financing facility to add investment to his store for its growth. Today, he owns the shop himself, has added inventory and variety to his store, does not have to pay rent, sends his kids to good schools, and is living a good life.

U Bank Transforming Lives of Entrepreneurs

In the rural town of Kot Laysan, Rajanpur, Punjab, Tauqeer Ahmed has been running a successful clothing shop in Saddar Bazaar for 16 years, offering a wide variety of female clothing, from formal wedding clothes to casual dresses. Before starting his own business, Tauqeer worked as a salesman in a jewelry store for a decade, where he struggled with financial constraints. Realizing the potential in the clothing market, he decided to open his own shop, which required less initial investment and promised higher sales. To further expand his business, Tauqeer turned to U Bank for a Running Finance facility. The bank responded promptly, processing his loan quickly and offering a low markup rate. With this financial support, Tauqeer was able to invest in his business, resulting in substantial growth. Now, he enjoys daily sales of thousands of rupees, his income has improved significantly, and he has elevated his household's living standards. Tauqeer’s story highlights the vital role that U Bank's microfinance services play in empowering small and medium-sized businesses in Pakistan.

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