Agricultural Products

• Easy and convenient
• Competitive Pricing
• Minimum documentation
• Relaxed eligibility criteria
• Availability throughout the country
• Highly qualified and skilled staff
• Efficient Processing with minimum Turnaround Time
• Customized to satisfy the Farmer’s needs

Crop Input Loans

• To cater the production, harvesting & marketing cost of crops
• Revolving Loan with multiple transactions facility
• Tenure 3 Years to be reviewed annually
• Documentation once for 3 Years
• Mark up charged on used amount only
• Mark up repayments Half Yearly
• Clean up Once in a Year with facility of credit summations
• Maximum amount Rs.40,000,000/- (4 Crore)

Development Loan

For Land Improvement, Orchards, Construction of storage facilities and purchase of commercial vehicles, machinery, Tractors, Turbines, Tubewells, Implements etc.

• Term Loan with One Time disbursement
• Payable in maximum 5 Years
• Flexible payments in equal monthly/Quarterly/Half Yearly Instalments
• Maximum amount Rs.40,000,000/- (4 Crore)

Livestock Farming, Poultry Farming, Poultry Feed Mills, Hatcheries, Processing Units, Dairy Farming, Fisheries

Working Capital Loans

• To cater the day to day working capital requirements
• Revolving Loan with multiple transactions facility
• Tenure 3 Years to be reviewed annually
• Documentation once for 3 Years
• Mark up charged on used amount only
• Flexible Mark up repayments Monthly/ Quarterly/ Half Yearly
• Clean up Once in a Year with facility of credit summations
• Maximum amount Rs.40,000,000/- (4 Crore)

Term Loan

For construction of sheds, Ponds, Feed Mills, Hatcheries, Purchase & erection of machinery for sheds, Feed mills, hatchery, fattening units, milk chillers, Vans etc.

• Payable in maximum 5 Years
• Flexible payments in equal monthly/Quarterly/Half Yearly Instalments
• Maximum amount Rs.40,000,000/- (4 Crore)

• Should be a Pakistani & holding Valid CNIC
• Preferably an account holder of UBL
• Permanent resident of the area
• Self cultivator
• Not a defaulter of any bank
• Have repayment capacity
• Able to produce proper securities / Passbooks / sureties

• Bank charge on Agri Land through Zarie Passbook
• Mortgage of Rural / Urban property other than Agriculture Land
• Hypothecation of Farm equipments with backup collateral
• Join registration of Tractor / vehicle with backup collateral
• Growers' loans against continuing Guarantee of Agriculture processing units
• Liquid Securities (Defence Saving Certificates, National Saving Certificate, etc.)

Other Terms & Conditions as per Bank Policy.

EWR (Electronic Warehouse Receipt) Financing

UBL EWR Financing facility offered to the Farmers to meet working capital requirement and ancillary expenses Input purchase through leveraging agriculture produce

Salient Features

• Max loan amount Rs.10,000,000/- (1 Crore)
• 70 % of value of commodity as described in the Electronic Warehouse Receipt (EWR)
• 6 months from date of disbursement or expiry of EWR whichever is earlier Repayment Term
• Following commodities will be accepted as collateral i.e. Rice / Paddy, Maize or Cotton bales.

Eligibility:

• Applicant must be minimum 18 years and max 60 years of age at the time of loan maturity.
• The applicant should himself be farmer cultivating his own land and or leased / family land

Required documents:

• Valid CNIC
• Electronic Warehouse Receipt