Since Pakistan is an agricultural country, the importance of financial needs of farmers/growers cannot be ignored. SME-Agri is specifically designed for agri-based customers as it enables them to meet their requirements such as procurement of seeds, fertilizers, pesticides and equipment etc. for their regular crops. SME-Agri also accommodates cash flow requirements of Agri Fertilizer dealers. Moreover, fisheries segment has also been accommodated in order to meet the requirements of fish seeds & feed, manure charges, expansion and rehabilitation of ponds and cold storage etc.

Salient Features:

  • Loan amount varies as per requirements of the customer on case-to-case basis.
  • Facility types under this product include Running Finance for day-to-day cash flow requirements along with guarantee facility as sublimit.
  • Facility is sanctioned for one year, renewable at expiry.
  • Loan is secured via Agri Land/any other property as collateral.
  • Loan amount is up to 60% of the market value of agri property or 85% FSV of residential & commercial property.
  • The facility is renewed annually.
  • Pricing is KIBOR-based and negotiable as per business volume/turnovers.

Rates and Charges:                                                   

Processing Fee (Upfront with LAF)
As per SOC (non-refundable)
Documents charges
Actual cost of revenue and special adhesive stamps
Legal charges
Actual & approved charges of lawyers on the Bank’s approved panel

Required Documents:

  • Customer Request Letter.
  • Borrowers’ Basic Fact Sheet.
  • Audited Financial Statements.
  • Business Profile.
  • Six Months’ Bank Statement.

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