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EWR (Electronic Warehouse Receipt Finance)
Rural Banking

EWR (Electronic Warehouse Receipt Finance)

The financing facility will be offered to the farmers to fulfill their cash / credit requirements for ancillary expenses (input purchase, leveraging agriculture produce for funds required for business against the EWR (Electronic Warehouse Receipts) issued only through system of listed CMC (Collateral Management Company) governed by SECP (Security and Exchange Commission of Pakistan) for the produce stored at accredited warehouse of the respective CMC.

Key Features:
  • Max individual/per party limit will be PKR. 10m
  • 70 % of value of commodity as described in the Electronic Warehouse Receipt (EWR)
  • Maximum period of facility will be 6 months from date of disbursement or expiry of EWR whichever is earlier Repayment Terms
  • Commodities accepted as collateral i.e. Rice / Paddy, Maize or Cotton bales.

  • The applicant shall be a resident of Pakistan residing/working at the same place continuously for 3 years.
  • The applicant must be holder of valid CNIC/SNIC
  • Applicant must be minimum 18 years and max 60 years of age at the time of loan maturity.
  • The applicant himself shall be a genuine farmer engaged in cultivation & possession of Agri land (Owned or Leased)
  • The applicant shall not be a defaulter of any bank/Financial institution.

Documents Required:

  • Copy of CNIC/SNIC
  • One passport size photograph of the applicant
  • Electronic Warehouse Receipt issued by the accredited warehouse.
  • Other documents if required

How to Apply

Please visit our nearest Agri designated Branch.