Industrial Development Bank of Pakistan

IDBP is one of Pakistans oldest development financing institution created with

the primary objective of extending term finance for investment in the
manufacturing sector of the economy. Over the years, however, the Bank has
emerged as an institution fostering the growth and development of SME sector
stimulating industrial progress in the rural/less developed regions of the country
besides offering lucrative opportunities to the house-holds and institutions for
the investment in its deposit schemes. IDBP has also become an important
component of the financial sector of Pakistan and is playing an active role in
money and capital market of the country.
For attaining its objectives, the Bank provides medium and long term finance in
local and foreign currencies for the creation of fixed assets to new industrial
projects as well as for expansion, balancing, modernisation or replacement of
existing projects. It extends technical, financial and managerial advice to its
clients in planning and execution of the industrial projects. It also facilitates
transfer of technologies from developed countries to industrial enterprises in
Pakistan.

IDBP is wholly owned by Government of Pakistan with 57% of its shares held by
Federal Government, 36% by State Bank of Pakistan and 7% by Provincial
Governments and other Public sector corporations. Its Board of Directors
consisting of the representatives of private sector is appointed by Ministry
of Finance, Government of Pakistan.

A unique feature of IDBP is that besides Development Financing Institution it is

also a scheduled bank and authorised dealer of foreign exchange. Thus IDBP
extends all kinds of merchant, investment and commercial banking services to
its clients which include provision of short term advances, trade financing, lease
financing, guarantees and under-writing. Thus IDBP operates a full-fledged Bank
in addition to its role as a development financing institution.
IDBP has the unique distinction of financing the first ever projects for a
diversified list of products. These include UHT pack milk, three wheelers,
radio/wireless receiving sets, marble processing, coal mining, granite, acetic
yarn, PVC deep sea fishing etc. The projects implemented through IDBPs
financing generated over 100,000 new jobs and have an export potential of
about Rs.8.00 billion per annum. The value addition by the completed project is
estimated at about Rs.15 billion per annum.
FUNCTIONS
DEVELOPMENT BANKING BUSINESS
Provides medium and long term finances
Provides guarantee, loans
COMMERCIAL BANKING BUSINESS

Deposits
Remittances
Bills
Short term advances
Guarantees
Letter of Credit
Foreign exchange accounts

MERCHANT BANKING BUSINESS

Underwriting of public issue of shares
Bridge Financing
Leasing
COLLECTION OF UTILITY BILLS
Telephone Bills at all branches
Gas Bills at Branches in Karachi
EQUITY INVESTMENT/TRADING
ADMINISTERS OF THE EQUITY PARTICIPATION FUND

DEPOSIT SCHEMES
IDBP SPECIAL DEPOSIT CERTIFICATES
IDBP MAHANA AMADNI SCHEME

Mahana Munafa Certificate

Term Deposit Receipt
Business Deposit Account
Profit & Loss Saving Bank Account
Current Account

IDBP is carrying out sustained efforts to devise customer-oriented

banking services. Various deposit instruments suiting the diversified

customers needs have been introduced by the Bank. The schemes
offered take care of both short and long term requirements of the
customers with varying investment funds and have been positioned in
such a way that clients may enjoy the most competitive returns on
their investments
The investment in IDBPs deposit schemes is fully secured and
guaranteed by Government of Pakistan under Nationalization Act 1974
(XIX of 1974) clause 4 and IDBP is an authorized bank vide Government
notification No.F.6(4)BR-II/96-217 dated 17th March 1997 for the
placement of surplus funds for all types of Government/SemiGovernment and Autonomous Organizations.
IDBP MAHANA AMADNI SCHEME (MAS)***
The minimum deposit limit is Rs.50,000/There is no higher limit on purchase of certificates under this scheme.
Maximum term of scheme is five years.
Zakat and W.H.Tax are applicable according to law.
Individuals, singly or jointly and the corporate bodies or firms and trusts
may invest their funds under this scheme.
Profit will be payable on the first of every month. In case the first is a
holiday, profit will be paid on the next-working day.

IDBP SPECIAL DEPOSIT CERTIFICATES (SDC)***

The Minimum Deposit Limit is Rs. 50,000/-.
There is no higher limit on purchase of certificates under this scheme.
Maximum term of scheme is five years.
Zakat and W.H.Tax are applicable according to law.
Individuals, singly or jointly and the corporate bodies or firms and trusts
may invest their funds under this scheme.
Profit will payable on monthly basis.

*** In case of premature encashment profit will be paid as

per schedulegiven below:Before 1 year 0%
After 1 year but before 2 years 1%
After 2 years but before 3 years 2%
After 3 years but before 4 years 3%
After 4 years but before 5 years 4%
MAHANA MUNAFA CERTIFICATE (MMC)
The minimum deposit limit is Rs.100,000/ There is no higher limit on purchase of certificates under this scheme.
Zakat and W.H.Tax are applicable according to law.

 Individuals, singly or jointly and the corporate bodies or firms and

trusts may invest their funds under this scheme.
Profit will be payable on the first of every month. In case the first is a
holiday, profit will be paid on the next-working day.
TERM DEPOSIT RECEIPT (TDR)
Under this scheme the investors may place funds for a fixed period ranging from
a minimum of one year to a maximum of three years.
The Minimum Deposit Limit is Rs. 100,000/-.
(For Muzaffarabad, Mirpur and Gilgit Min. Limit is Rs. 50,000)
BUSINES DEPOSIT ACCOUNT (BD A/c)
This is an attractive scheme best suited to organizations desiring liquidity
with high returns.
The Minimum Deposit Limit is Rs.100,000/ Multiple deposits and withdrawal are allowed.
Profit is calculated on daily deposit.
Profit is distributed on six monthly basis.
Zakat and W.H.Tax are applicable according to law.
PROFIT AND LOSS SAVING BANK ACCOUNT (PLS A/c)
Our profit on PLS saving bank account is comparable to the highest profit
given by other NCBs.
CURRENT ACCOUNT
The Bank also offers facility for current account.
BRANCH OFFICES
Branches all over Pakistan are divided into two Regions.
1. North Region : UNCLAIMED DEPOSITS
Peshawar, D.I.Khan, Abbotabad, Gilgit
Mirpur (AK)
Islamabad, Rawalpindi
Lahore, Gujranwala, Faisalabad, Multan

2. South Region :
Karachi, Hyderabad, Sukkur, Larkana
Quetta

ZTBL Farm Introduction

There arose a need to diversify banks loaning capabilities. It was decided to
establish a farm. CDA allocated 40 acres of un- developed / Undulated piece of
land in vegetable and poultry scheme no.IV during January 1983. Physical
possession was taken during 1983-1984 .farm development work started in the
year.1985. The basic objective of establishment of ZTBL training farm is training
and demonstration of innovative viable agricultural technologies to our trainee
mobile credit officers and other field functionaries, apart form the farmers,
agricultural machinery Manufacturers, students from agricultural universities and
other visitors do come to gain knowledge about latest developments in
agricultural.
Aim
Technology for agriculture (develop and modernize agriculture sector through
induction of viable agricultural technologies /activities).
Objectives
o

Identify and develop production technology packages for various crops

o
Disseminate technical knowledge and professional skills to the target
group (farmers) for adoption of agri. Technologies.

Achievements
Locally

Technologies

Crops

Introduced

Industries

Machines

Combine Harvester

Soya Bean

Tetra Pack

Small Tractors 14.25 HP

Multi Cut Fodder

UHT Milk Plant

Seed Processing

Hybrid Maize

Yogurt Plant
(Nestl Etc.)

Solar Technology
(Geezer,Speaker, Tube
Well Etc.)

Replicated

Tea Cultivation

Rice Husking Mills

Multi Crop
Planter

Potato Digger

Potato Planter

Inter Row
Cultivator

Locally

Technologies

Crops

Introduced

Sprinkler Irrigation
System

Drip Irrigation System

Chilling Units

Milking Machine

Mist Propagation

Industries

Replicated
Machines

Imported Plants (Apple

Food Processing

,Pear,Plum, Apricot Peach

Plants (Golden

Etc)

Crisp Etc.)

Self Propelled
Rotary Hoe

Juice Plants

Reversible Disc

(Frost Etc.)

Plough

Medicinal Plants

Solvent Oil

Self Propelled

(Mint,Geranium,Basil Etc)

Extraction Plants

Reaper

Seed Less Citrus Varieties

Border Disc

Ground Nut
Thrasher

Hot Bin Propagation

Water Reel

Unit

Sprinkler

Plastic Tunnel

Three Row Ridger

Off Set Rotavator

Seed Processing
Unit

Stubble Shaver

Flail Mover

Fertilizer
Spreader

Fruit Grade

Deposit Schemes

Current Account
PLS- Saving Account
Business Deposit Account (Special Deposit A/C)
Rozana Bachat Account (Special Deposit A/C)
Basic Banking Account
PLS- TermDeposit
Zarai Munafa TermDeposit Certificate (ZMTDC)
Musaqbil Mehfooz
Zarai TermDeposit Certificate (ZTDC)
MINFA Revolving Fund Deposit A/C (MRFDA)
MINFA Special Saving Deposit A/C (MSSDA)

Types of
Deposits

CURRENT A/C

PLS-SAVING A/C
(Regular Saving
A/c)

BUSINESS
DEPOSIT A/C
(Special deposit
A/C)

Rate of
Return

Terms & Conditions

NIL

1. Initial deposit is
Rs.200/2. Un-remunerative
charges @ Rs.50/- pm
shall be deducted on
half yearly basis.

6.5% pa

1. No initial deposit.
2. Max. 8 debit
transactions during
the month are
allowed for
calculation of profit.
3. Profit shall be
calculated on the
basis of average
balance during the
month.
4. Profit shall be
credited to a/c on half
yearly basis.

6.5% pa

1. Initial deposit is
Rs.10,000/2. Profit shall be
calculated on the
basis of daily

Types of
Deposits

Rate of
Return

Terms & Conditions

product.
3. No limit of
withdrawals.
4. Profit shall be
credited into account
on half yearly basis.

6.5% to
7.5% pa
(slabs
placed )

1. Initial deposit is
Rs.10,000/2. No limits of
withdrawals.
3. Profit shall be
calculated into a/c on
Quarterly basis
4. Two DDs & two POs
shall be issued free of
charge during the
month if average
balance of Rs.2,
00,000/- maintained.

BASIC BANKING
A/C

NIL

1. Min. initial balance

is Rs.1000/2. It is nonremunerative a/c.
3. Max. two deposit &
two chequing
withdrawals during a
month are free of
charge

PLS-TERM
DEPOSIT ( slab
rates per
circular )

6.5% TO
7.5%
(slab
placed)

ROZANABACHAT
A/C (Special
deposit A/C)

1. Min. initial balance

is Rs.1000/-.
2. Minimum holding is
3 months.
3. PLS saving a/c rate
shall be applied in
case of premature
encashment & after
maturity.
4. Request of roll
over shall be made in
sufficient time before

Types of
Deposits

Rate of
Return

Terms & Conditions

its maturity
otherwise it will be
transferred to TDR
Matured a/c .

ZARAI MUNAFA
TERM DEPOSIT
CERTIFICATE
(ZMTDC)

MUSTAQBIL
MEHFOOZ A/C

ZARAI TERM
DEPOSIT
CERTIFICATE
(ZTDC)

7.5%

1. Initial deposit if
0.100 million.
2. Scheme is
restricted for Bank
employees & their
relatives.
3. Profit shall be paid
at maturity.
4. Premature
encashment OR after
maturity PLS-Saving
a/c rate shall be
applied.

7.5%

1. Short term deposit

scheme for a fixed
period of 3 and 6
months.
2. Min. deposit is
Rs.50,000/-.
3. In case of
premature
encashment OR after
maturity PLS-saving
a/c rate shall be
applied.

7.10 %
pa

1. Minimum deposit is
Rs.25,000/2. Scheme is for a
fixed period of 3
years.
3. Minimum holding is
3 months
4. If depositor
maintains
Rs.2,00,000/- for at
least months he will

Types of
Deposits

Rate of
Return

Terms & Conditions

be elibible to get
agri.Loan from ZTBL
without any appraisal
fee

MINFA
REVOLVING
FUND DEPOSIT
A/C. (MRFDA)

MINFA SPECIAL
SAVING DEPOSIT
A/C (MSSDA)

Production Loan Schemes

7.5% pa

1. Minimum deposit is
Rs.500/2. Introduced for
village organizations
only.

7.5% pa

1. Minimum deposit is
Rs.500/2. Introduced for
village organizations
only.

Development Loan Schemes

Other Schemes

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. Name of Phone
Address
No Branch No.

1 H.O
051- Head Office
Branch 92527 Building, 1 Faisal
Islamab 82
Avenue Zero Point
ad
Islamabad

2 Islamab 051- Block-7/F, ZTBL

ad
92520 Officer Colony GBranch 22
7/2, Islamabad

Lahore 042- 47-C, Sharah-eBranch 73533 Quaid-e-Azam,

80
Lahore

4 Peshaw 091- Chughalpura, GT

ar
22622 Road Reshawar
Branch 79

5 Gujranw 055- D.C Road,

ala
92002 Gujranwala
Branch 06

6 Faisalab 041- Opposite Punjab

ad
92100 Medical College,
Branch 08
Faisalabad

7 Multan
Branch

061- 61-A Abdali Road,

92005 Multan
09

8 Sahiwal 040- 915-D Block Farid

Branch 92004 Town Sahiwal
24

9 Sargodh 048- Katchery Road,

a
92304 Sargodha
Branch 91

10 Khan Pur
Katora
Branch

068Model Town- Near Paradise

5573079 Cinema Khan Pur Katora
(RYK)

11 Shafi Court 021Shafi Court Building

Branch
9920600 Mereweather Road Karachi
6
South

12 Main Branch 021St 4/3-A Block No.1 KDA

Gulshan-e- 3461361 Scheme-36 Gulistan- e
Johar
8
-Jauhar Karachi
Following are the approved rates for rent of lockers and key deposits
against which lockers will be allocated:
Type

Rent Per
Specification
Annum

Rent after one

month from due
date

Key
Deposit

Small 6-1/2"x41/2"x23"

Rs.1,200/-

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/-

Break Opening charges is Rs. 1500/- or octual which-ever is higher