How To Get 75 Lakh Interest-Free Agriculture Loans In Pakistan {5-75Lakh} Safe Loans

Several Islamic financial institutions and organizations have launched interest-free agriculture loans in Pakistan to support farmers and promote agricultural activities in Pakistan. The application process is quick and convenient, with approvals typically granted within a few weeks.

Also read: How To Quickly Get 50,000 Loan In Pakistan {20K-200K} (Interest-Free)

These interest-free agriculture loans assist farmers without the burden of interest payments, fostering sustainable practices and contributing to the overall development of the agricultural sector in Pakistan.

To extend farming businesses, these loans adhere to Shariah principles, ensuring they are completely interest-free and compliant, allowing the agricultural sector to thrive.

Given that a significant portion of Pakistan’s economy depends on agriculture, this initiative aims to propel farming businesses to the forefront of economic growth.

Also read: Top 3 Loan Apps In Pakistan (50K-100K Urgent Cash Loan)

Top 7 Organizations that offer interest-free agriculture loans in Pakistan

• Zarai Taraqiati Bank (ZTBL).
• Akhuwat Agriculture Loan.
• Agahe Pakistan.
• Kashf Foundation.
• Alkhidmat Foundation Business and Agriculture Loan.
• National Bank of Pakistan (NBP) Agriculture Loan.
• PM Youth Business and Agriculture Loan.

Also read: Business Loan In Pakistan With 0% interest | Best Low interest Loan In Pakistan

Zarai Taraqiati Bank (ZTBL) Interest-free Agriculture Loans In Pakistan

• ZTBL offers financial assistance to farmers by providing interest-free agricultural loans, aiming to contribute to the growth of the agricultural sector.

• These loans cater to various needs, including investing in fertilizers, seeds, machinery, and other resources necessary for farming activities.

• The interest-free plan facilitates easy access to agriculture loans for farmers.

• To enhance convenience and flexibility, the bank allows farmers to complete paperwork only once every three years and provides a one-year repayment period.

• The Zarai Taraqiati Bank system also empowers farmers by enabling them to withdraw money as needed and deposit surplus funds at their convenience.

Also read: 7 Best Instant Loan Apps In Pakistan 2023 with Low Interest Rates

ZTBL Agriculture Loan Amount With Zero Interest

• Zarai Taraqiati Bank (ZTBL) offers interest-free loans with a maximum limit of 1.2 million rupees to farmers.

• This financial aid is noteworthy as it supports various tasks and investments in agricultural activities.

• With this huge loan amount of 12 lakhs rupees, ZTBL plays a crucial role in providing farmers access to diverse resources, from purchasing seeds and fertilizers to investing in machinery and tools.

• This contribution significantly contributes to the sustainability of agriculture practices.

Zarai Taraqiati Bank Agriculture Loan Eligibility Criteria | Documents | Requirements

• These interest-free loans are offered to farmers who are either new to the agricultural sector or existing ones for farming-related expenses.

• A CNIC with Pakistani nationality is required for the verification process, making it an essential document to confirm the individual’s citizenship and complete the necessary authentication process.

• Concerning the application form, provide necessary details such as the type of loan, the purpose of the loan, agreement to repayment terms, and other essential information. This step is crucial for processing your loan request.

• Another required document is the Agricultural Pass Book or Fard Jamabandi, this will help the lender find information about your land holdings, and assess the property’s value, and verify its status for the loan application process.

• Two passport-sized photographs are required for documentation and identity verification. This will facilitate the establishment of your identity and enhance the accuracy of the application process.

Also read: Urgent 10K-1Lakh Digital Loan In Pakistan | Abhi-Your Salary Now Loan App

How To Apply For ZTBL Agriculture Loan With 0% interest

Follow these steps to apply for a ZTBL Agriculture Loan with 0% interest.

• Visit a ZTBL Branch or Website:
• Request an Application Form:
• Complete the Application Form:
• Attach Required Documents:
• Submit the Application:
• Application Review:
• Keep Track Of Application Status:
• Approval and Disbursement:
• Loan Repayment:

• Visit a ZTBL Branch or Website: Visit the branch of Zarai Taraqiati Bank (ZTBL) or find your nearest branch via their official website.

• Request an Application Form: Ask for an application form at the bank, and the staff will guide you through the process.

• Complete the Application Form: Fill out the application form accurately with the required information

• Attach Required Documents: Attach the necessary documents mentioned in the application instructions.

• Submit the Application: After completing the application and attaching documents, submit the loan application form to the ZTBL branch. The bank representatives will guide you throughout the loan process.

• Application Review: The bank will review your application, assessing your eligibility for the loan.

• Keep Track Of Application Status: Hold on and keep track of your application status until approval.

• Approval and Disbursement: If your application is approved, the loan will be disbursed into your bank account.

• Loan Repayment: Understand the repayment terms and conditions carefully.

Zarai Taraqiati Bank (ZTBL) Agricultural Loan Features

• Purpose-Specific Loans
• Quick Approval Process
• Online Application option
• Educational Support
• Market Linkages

Agahe Pakistan Interest-Free Agriculture Loans In Pakistan

• Agahe Pakistan extends interest-free loans to farmers to improve agricultural productivity.

• This organization operates on Shariah principles and is dedicated to providing financial assistance to low-income farmers through interest-free micro-finance.

• These loans are crucial for those who lack the facilities to invest in agricultural activities such as seeding, fertilizing buying machinery, etc.

• The interest-free loans offered by Agahe Pakistan contribute to improving the livelihoods of low-income individuals who are involved in the agricultural sector across the country.

• Borrowers can repay the loan over a one-year tenure in flexible monthly installments, making it easier for individuals to repay without any burden.

• Agahe Pakistan also supports youth, especially women farmers, involved in the agriculture sector and provides loans for the betterment of women’s empowerment too.

Also read: How To Get 25 Lakh Interest-Free Solar Panel Loan Meezan Bank Best Guide

Agahe Pakistan Agriculture Loan Amount Without Any Interest

• Agahe Pakistan provides financial assistance to farmers accessing interest-free loans without any hassle.

• The amount for agriculture loans offered by Agahe Pakistan ranges from 15,000 to 75,000 rupees. This loan amount is interest-free as it is based on Shariah-compliance.

• The repayment tenure for these loan amounts is one year, with monthly installments. This plan is designed so that farmers can borrow a loan and repay it without any burden.

• These loans aim to cover day-to-day operational and technological agriculture activities, helping to support the progress and growth of farming and enhance the productivity of the agricultural economy of the country.

Agahe Pakistan Agriculture Loan Eligibility Criteria | Documents | Requirements

• Agahe Pakistan extends interest-free loans to farmers who want to expand their agricultural business and need money for working capital.

• Applicant’s age must be between 18 and 59during which the loan was very bad.

• A loan tenure of 12 months will be applied, during which the loan must be repaid.

• Individuals can also apply for group loans, with a maximum of 3 people per group.

• Additionally, those interested in the family loan plan can involve up to 15 people.

• Applicants need to provide an authentic CNIC to confirm the identity and citizenship of the individual for the verification process.

• The required documents to apply for a loan include the income statement and other collateral needed to secure a loan from Agahe Pakistan.

• Recent passport-sized photos are required with the loan application to facilitate identification and processing by procedures.

• For further information about the required documents and eligibility, visit the Agahe Pakistan branch or contact them via email at info@agahepakistan.org or by phone at 042-35291211.

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How To Apply For Agahe Pakistan Agriculture Loan Without Any Interest

Follow these steps to apply for Agahe Pakistan’s interest-free Agriculture Loan online or in person at their branch.

• Visit an Agahe Pakistan Branch or Website
• Request an Application Form.
• Complete the Application Form.
• Attach Required Documents.
• Submit the Application.
• Application Review.
• Interview Invitation.
• Approval and Disbursement.
• Loan Repayment.

• Visit an Agahe Pakistan Branch or Website: You can visit the nearest branch of the Agahe Pakistan organization or go to the official website.

• Request an Application Form: On the website, navigate to the loan section and select your loan type, or visit the branch to request an application form.

• Complete the Application Form: Bank representatives will guide you by providing the necessary details. Ensure that you provide accurate information for a 100% approval rate.

• Attach Required Documents: Gather the necessary documents, such as CNIC for proof of Identity, business details, collateral, proof of income, and any other documents needed to complete the application process.

• Submit the Application: After filling out the application form and attaching the required documents, submit the application.

• Application Review: Your application will undergo a review process to confirm all details.

• Interview Invitation: Agahe Pakistan will invite you for an interview as part of the application review process. During the interview, you will be asked a few questions, such as the type of loan you want to access, the purpose of the loan, and other related questions.

• Approval and Disbursement: After completing the review and interview process, Agahe Pakistan will notify you of approval. The loan amount will be disbursed into your bank account.

• Loan Repayment: It is advised to carefully read the terms and conditions of repayment and loan tenure.

• Stay in Touch: Keep in touch with the Agahe Pakistan team/staff, and they will guide the loan process.

Agahe Pakistan Agriculture Loan Features

• Farm Equipment Loans
• Water Management Support
• Seed and Fertilizer Subsidies
• Technical Assistance
• Grace Periods

Kashf Foundation Interest-free Agriculture Loans In Pakistan

• Based on Islamic principles, the Kashf Foundation is striving hard to work for the empowerment and economic progress of the country.

• To uplift marginalized communities, the Kashf Foundation offers interest-free agricultural loans to farmers who want to start their businesses and improve their lifestyles.

• In addition to providing business development skills training, Kashf Foundation especially empowers women by offering micro-loans to those engaged in agricultural activities and who lack the resources to enhance their farming initiatives.

• This is aimed at promoting strong financial independence and sustainable livelihoods.

Kashf Foundation Agriculture Loan Amount Without Interest

• To improve the financial well-being of farmers and individuals who are involved in agricultural activities, the Kashf Foundation offers interest-free agriculture loans.

• The loan amounts for agriculture offered by Kashf Foundation range from 10,000 to 1 Lakh rupees.

• This financial support enables farmers to secure the necessary working capital required to purchase equipment and machinery as well as for crop cultivation, thereby enhancing agricultural productivity.

• The financial aid extended by Kashf Foundation through interest-free agriculture loans ultimately contributes to the economic progress of the country.

Kashf Foundation Agriculture Loan Eligibility Criteria | Documents | Requirements

• To apply for an interest-free agriculture loan with Kashf Foundation, individuals must meet the following eligibility criteria:

• A Computerized National Identity Card (CNIC) with Pakistani Nationality is required.

• Applicants also need to provide any other required collateral to proceed with the loan application.

• Two recent passport-sized photographs are required to confirm identity and for other verification processes.

• Business registration documents are also required if applicable, to confirm the authentication process.

How To Apply For Kashf Foundation Agriculture Loan Without any Interest

Follow these steps to apply for Kashf Foundation Agriculture Loan without any interest.

• Visit a Kashf Foundation Branch or Website:
• Request an Application Form:
• Complete the Application Form:
• Attach Required Documents:
• Submit the Application:
• Application Review:
• Connect with Kashf Foundation:
• Interview Invitation:
• Approval and Disbursement:
• Loan Repayment:

• Visit a Kashf Foundation Branch or Website: Visit a branch to apply for an interest-free loan from Kashf Foundation or visit their official website

• Request an Application Form: Ask for an application form, and the staff and representative will guide you through the process.

• Complete the Application Form: Provide the necessary valid information requested in the application form to proceed with the loan process.

• Attach Required Documents: Attach all the required documents as instructed with the application form for guaranteed approval

• Submit the Application: After attaching all the necessary documents to the application form, submit it for the reviewing process

• Application Review: Kashf Foundation will review your application to provide approval

• Connect with Kashf Foundation: Have patience and stay in touch with Kashf Foundation throughout the entire reviewing process.

• Interview Invitation: Kashf Foundation will invite you for a short interview during which you will be asked about the type of loan you have selected and the purpose for applying for that loan.

• Approval and Disbursement: After passing through the interview and application process, Kashf Foundation will grant you loan approval, and the amount will be disbursed into your bank account.

• Loan Repayment: Read the repayment terms and conditions carefully and follow them correctly to avoid any inconvenience.

Kashf Agricultural Loan Features

• Training Workshops
• Localized Support Centres
• Livestock Management Training
• Community Development
• Flexible Repayment Terms

Alkhidmat Foundation Business and Agriculture Loan In Pakistan

• Alkhidmat Foundation is a renowned non-profit organization committed to providing financial assistance to underprivileged individuals.

• This Foundation offers an attractive initiative program, Qarz e Hasna, providing interest-free loans to farmers, contributing to the economic and social progress of the agriculture sector.

• Individuals can borrow loans for agriculture purposes without incurring any interest and repay them in installments or a manner suitable for them within the given loan tenure.

• These interest-free loans are provided to farmers who require financial assistance for agricultural development without incurring additional interest burdens, thereby promoting sustainable farming activities in the agriculture sector.

Also read: Top 7 Urgent Loan Apps In Pakistan Without Interest | 50K-2Lakh Urgent Loan

Alkhidmat Foundation Agriculture Loan Amount Without Interest

• You can access the Alkhidmat Foundation Business Agriculture Loan amounting up to 150,000 rupees, without any interest.

• With this amount, farmers can access interest-free small business loans for agriculture and invest in agricultural activities.

Alkhidmat Foundation Agriculture Loan Eligibility Criteria | Documents | Requirements

• The eligibility criteria to apply for Alkhidmat Foundation interest-free loan program include the following:

• Applicant’s age should fall between 18 and 62 years

• An authentic CNIC (Computerized National Identity Card) with Pakistani nationality is required for the verification of the applicant’s identity.

• The applicant’s father’s CNIC card is also required, providing complete details of the permanent address.

• Proof of income, including bank statements, monthly salary slips, land holdings, and other collaterals, is required to be eligible for an interest-free agriculture loan.

• Four passport-size photos are required for the identification of an applicant.

How To Apply For Alkhidmat Foundation Agriculture Loan Without any Interest

To apply for an interest-free agriculture loan with Alkhidmat Foundation, follow these steps.

• Visit an Alkhidmat Foundation Branch or Website:
• Visit the Branch:
• Navigate to the Loan section:
• Fill out the application:
• Request an Application Form:
• Attach Required Documents:
• Submit the Application:
• Application Review
• Connect with Alkhidmat Foundation:
• Interview Invitation:
• Approval and Disbursement:
• Loan Repayment:

• Visit an Alkhidmat Foundation Branch or Website: Go to the official website of Alkhidmat Foundation and gather all the necessary information.

• Navigate to the Loan section: Navigate to the loan section and select your loan type.

• Visit the Branch: Visit your nearby branch of Alkhidmat Foundation. The staff will guide you to proceed with the loan process.

• Request an Application Form: You can also ask for the application form by visiting their office and filling it out with the guidance of the staff.

• Fill out the application: Fill out the online application form with the required necessary information, ensuring that all the details are accurate.

• Attach Required Documents: Attach all the necessary documents mentioned in the guidelines for quick approval.

• Submit the Application: After completing the application form and attaching the required documents, submit the application.

• Application Review: The application will be under the review process

• Connect with Alkhidmat Foundation: Stay connected with Alkhidmat Foundation

• Interview Invitation: Alkhidmat Foundation will call you for an interview in which you will be asked a few questions about your selected loan type and your land holdings.

• Approval and Disbursement: After a successful interview and application process, the loan will be disbursed into your bank account.

• Loan Repayment: You can repay your loan within the mentioned loan tenure specified by Alkhidmat Foundation.

Alkhidmat Agricultural Loan Features

• Diverse Collateral Options
• Revolving Loan Facility
• Youth Involvement Programs
• Transparent Loan Terms
• Networking Opportunities

National Bank of Pakistan (NBP) Agriculture Loan Without Interest

• The National Bank of Pakistan is a well-reputed bank that offers a range of agricultural loan programs designed to support farmers in various aspects of their agricultural activities.

• With flexible loan packages, NBP offers interest-free agricultural loans to meet the diverse needs of farmers, such as livestock farming, crop production, and other agricultural activities.

• These interest-free loans help Kisans (farmers) expand their agriculture business and invest in other agricultural activities.

National Bank of Pakistan (NBP) Agriculture Loan Amount

• The interest-free loan amount for agriculture varies based on the individual circumstances and business plans of applicants. Additionally, the type of loan selected plays a vital role in determining the loan amounts

Also read: SmartQarza Loan App- 25,000 Online Urgent Loan In Pakistan (SECP Verified)

NBP Agriculture Loan Eligibility Criteria+Documents+Requirements

• All farmers, including landowners or tenants, are eligible to apply for an agricultural loan through NBP.

• The documents required to apply for an NBP loan include commercial or residential property documents, passbooks, proof of land holdings, gold (with a minimum of 21 karats purity), or any other required collaterals.

• Applicants must fill out the application form with accurate information, attach the required documents, and provide details about the purpose of the loan request.

• Applicants need to submit two copies of a valid CNIC ID card for verification purposes.

• To verify the identity of the applicant, two recent passport-sized photographs are also required.

How To Apply For National Bank of Pakistan (NBP) Agriculture Loan Without any interest

To apply for an interest-free agriculture loan with NBP, follow these steps:

• Visit the National Bank of Pakistan (NBP) Website:
• Visit the Branch:
• Request loan application form:
• Fill out the application:
• Attach Required Documents:
• Submit the Application:
• Application Review:
• Approval and Disbursement:
• Loan Repayment:

• Visit the National Bank of Pakistan (NBP) Website: Visit the official NBP website to gather the necessary information.

• Visit the Branch: Head to the nearest branch of NBP to obtain the loan form and guidelines.

• Request loan application form: Request the loan application form by visiting the NBP branch; the staff will assist you.

• Fill out the application: Complete the application with the necessary information as outlined in the guidelines. Ensure that the information provided is accurate.

• Attach Required Documents: Attach all necessary documents as specified in guidelines

• Submit the Application: After attaching all required documents to the application form, submit it to the NBP branch

• Application Review: NBP staff will review your application to determine eligibility and make a decision to accept or reject it.

• Approval and Disbursement: Wait for approval; upon approval, the loan will be transferred to your account.

• Loan Repayment: Read the loan repayment terms and adhere to them accordingly.

NBP Agricultural Loan Features

• Competitive Mark-up Rate
• Quick & Easy Processing
• Provision of Technical Guidance
• Wide Range of Financing Schemes
• Inclusive Approach

PM Youth Business and Agriculture Loan with 0% Interest

• The Prime Minister’s Youth Business and Agriculture Loan Scheme (PMYB&ALS) is designed to facilitate the active involvement of young entrepreneurs and individuals in the agriculture sector by offering them affordable and accessible agriculture loans.

• These loans support farmers with diverse agriculture activities including livestock farming, crop cultivation, purchasing machinery and equipment, sowing, and harvesting.

• They are made available with comparative interest rates through a network of 15 Commercial, Islamic, and SME banks, along with flexible repayment terms.

PM Youth Business and Agriculture Loan Amount

• Tier 1 provides interest-free loans starting from 0.5 million PKR, with no additional charges (0% markup).

• For Tier 2, loans range from above 0.5 million up to 1.5 million PKR, carrying a minimal interest rate of 5% markup.

• In Tier 3, loans extend beyond 1.5 million up to 7.5 million, featuring a competitive interest rate of 7% markup.

PM Youth Business and Agriculture Loan Amount Calculator

• The loan amount calculator is a financial tool designed to calculate the total loan amount and repayment terms.

• Borrowers can input their preferred loan amount, with a maximum limit of 7.5 million rupees, to meet the requirements of their agricultural business needs accordingly.

• The repayment tenure can be chosen for a maximum period of 8 years. This approach ensures that borrowers do not experience any undue burden when repaying the loan.

PPAF Agriculture Loan Eligibility Criteria+Documents+Requirements

• To access PPAF agriculture loans, applicants must fall within the age range of 18 to 60 years. This ensures a broad range of farmers, including young and middle-aged individuals, can benefit from agricultural loans to enhance their productivity.

• Proof of a valid CNIC card is required to verify the individual’s citizenship and determine eligibility for processing the application.

• Another document needed to qualify for the interest-free agriculture loan is proof of ownership or tenancy of agricultural land. This allows PPAF to confirm that the loan you are seeking is for agricultural business activities as a landowner or tenant.

• Applicants must be residents of the targeted union council or a specific area identified by the Pakistan Poverty Alleviation Fund. PPAF has instituted this residency requirement to eradicate poverty and particular regions.

• This requirement helps gain insights into specific areas and promotes enhanced agricultural productivity by providing loans to benefit individuals across the country

How To Online Apply For PM Youth Business and Agriculture Loan

To apply for an interest-free agriculture loan with PPAF, follow these steps:

• Visit the official website
• Select Loan Tier
• Fill out the application form
• Attach necessary document
• Submit your application
• Review Procedure
• Loan disbursement
• Repayment Terms

• Visit the official website: Visit the official website of PM Youth Business and Agriculture Loan.

• Select Loan Tier: Choose your desired loan tier and provide your valid CNIC card number along with required details.

• Fill out the application form: After following the above steps, the application form will be accessible. Fill in the necessary information, including your name, father’s name, and CNIC details.

• Business details: Complete the business details, such as industry name, and industry category, and specify the category of your business.

• Loan Details: Select your desired loan amount loan and loan size.

• Financing details: Enter the bank name, monthly installment amount in rupees, and other required financial information.

• Submit your application: After completing the application form and attaching all the necessary documents, submit your application to PPAF.

• Review Procedure: Coperate with the PPAF team during the application review process.

• Loan disbursement: Once your application is approved, the loan will be disbursed into your given bank account.

• Repayment Terms: Understand the repayment terms carefully and follow them as instructed.

PPAF Agricultural Loan Features

• Diverse Collateral Options
• Revolving Loan Facility:
• Wide Range of Financing Schemes
• Flexible Repayment Plans
• Technical Assistance Programs

Also read: Exposing the List Of Fake Online Loan Apps In Pakistan 100+ {Updated}

Benefits of Interest-Free Agriculture Loans in Pakistan

• Repayment Flexibility: Interest-free loans provide flexibility in repaying the loan, relieving financial burdens from farmers and enabling them to manage repayments in a way that best suits their needs.

• Quick Access to Loans: Farmers can quickly access agricultural loans for unforeseen situations such as unexpected crop failures, sudden market fluctuations, or equipment breakdowns.

• Sustainable farming with Interest-free loans: Interest-free loans support sustainable farming by allowing farmers to make community-based decisions, freeing them from the burden of high-interest debts.

• Empower Entrepreneurship: Interest-free agriculture loans play a vital role in economic diversification in rural areas by empowering rural entrepreneurs and farmers to explore business ventures beyond traditional farming

• Investment in Agricultural Innovation: Interest-free loans assist individuals and farmers to invest in innovative agricultural activities and new technologies, resulting in increased efficiency and overall advancements in the agricultural sector.

• Empowers Marginalized Farmers: Interest-free loan positivity impacts farmers’ well-being by eliminating financial stress. Farmers can focus on their jobs and personal lives without the constant burden of high-interest repayments.

• Empower Women In Agriculture: Interest-free loans empower women in the agriculture sector who are involved in agricultural business activities to improve their lifestyle and contribute to the socioeconomic progress of the country

• Promotion of Agro-Tourism: Through interest-free loans, farmers can generate additional income through tourism by opening their farms to visitors, providing them with agricultural experiences.

Also read: SECP Cancels License Of 3 Leading Online Loan Apps In Pakistan

FAQs | Interest-Free Agriculture Loan in Pakistan