Products and Services

ZTBL Locker Facility

Zarai Taraqiati Bank Ltd. apart from its core functional activity marked
with country based agri-business, has started to serve its valued
customers by offering lockers facility. Initially, this facility is being
offered at following 12 branches:S.No
1
2
3
4
5
6
7
8
9
10
11
12

Name of Branch
H.O Branch Islamabad
Islamabad Branch
Lahore Branch
Peshawar Branch
Gujranwala Branch
Faisalabad Branch
Multan Branch
Sahiwal Branch
Sargodha Branch
Khan Pur Branch
Shafi Court Branch
Main Branch Gulshan-e-Johar

Following are the approved rates for rent of lockers and key deposits
against which lockers will be allocated:
Type
Small

Specificatio Rent Per

n
Annum
6-1/2"x4Rs.1,200/1/2"x23"

Rent after grace Key

period
Deposit
Rs.1,500/Rs. 5,000/-

Mediu 13-1/2"x4m
1/2"x23"

Rs.1,800/-

Rs.2,250/-

Rs.
10,000/-

Large 13-1/2"x81/2"x23"

Rs.2,500/-

Rs.3,125/-

Rs.
15,000/-

Life Time Locker Facility

On lump-sum payment of locker rent for ten years entitle the lessee to

avail the locker facility for life time, without key deposit.

Types of Security
Immovable Property
Agricultural Land

Under Pass Book System 80%

Outside Pass Book System 70%
Under Alienability Certificate 66%
Commercial/Industrial Land under Pass Book 80%

Outside Passbook System

Urban Residential/Commercial Plots in all localities outside Pass

Book 75%
Alienability Certificate 66%
Residential/Commercial Buildings 70%
Lease hold rights of a leased land of CDA/KDA with 99 years lease
70%

Moveable Property and Guarantees

1. Unconditional Bank guarantee from scheduled Banks
Up to maximum amount of an un-conditional Bank guarantee
after keeping sufficient margin for un-paid mark-up, cost, charges
and expenses.

2. Guarantee issued by Central or Provincial Government

Full amount of loan plus return and other charges.

3. Government securities
85% of face value or market value whichever is less.

4. Defense Savings & FEB Certificates

75% of value of certificates presented as security.

5. Fix Term Deposits Receipts

85% of face value of deposits receipts.

6. NIT Units
80% of the face value or market value whichever is less.

7. Life Insurance policies

85% of surrender value

8. Pledge of Potatoes/Seed Potatoes price or market

value which ever is less Up to 75% of Govt. support.

Personal Surety
Against a bond with two sureties under General Credit and one surety
in Special Schemes up to Rs.25,000/- or Up to 50% of appraised value
of properties of sureties.

Debt Equity Ratio

For
Tubewell/Tractors/Implements/Attachments/Equipments
All kinds of
Tubewells/
Turbines
New Tractor

Used Tractor,
Equipments/
attachments/
implements
and used
tractor

25%
No equity
but 10% of
the loan is to
be needed in
PLS Account
-do-

Within 5 years in annual/biannual installments commencing

one year after first disbursement
Within 8 years in
monthly/quarterly or half yearly
installments to be decided by
Manager in consultation with
borrower.
Within 5 years in
monthly/quarterly or half yearly
installments to be decided by the
Manager in consultation with
borrower.

Except Tubewell/Tractors/Implements/
Attachments/Equipments
Production Loan upto Rs.0.100 Million
NIL
Land holding upto 25 acres/loan amount upto Rs.0.2
15%
Million
Land holding beyond 25 acres to 50 acres/loan amount
25%
beyond Rs.0.2 Million upto Rs.0.5 Million
Land holding beyond 50 acres/loan amount beyond Rs.0.5 30%
Million upto Rs.1 Million.