ZTBL Tractor Loan Scheme 2026 – Easy Financing for Farmers

The ZTBL Tractor Loan Scheme 2026 is a special loan program for farmers in Pakistan who want to buy a new agricultural tractor but cannot afford full cash payment. This scheme is offered by Zarai Taraqiati Bank Limited (ZTBL) with the support of the government to improve farming productivity.

Through this scheme, farmers can purchase tractors by paying a small down payment and returning the remaining amount in easy installments over several years. The loan terms are farmer-friendly and designed to match agricultural income cycles.

This guide explains the ZTBL Tractor Loan Scheme 2026 in simple words so farmers can clearly understand how it works and how to apply.

Feature	Details
Loan Provider	Zarai Taraqiati Bank Limited (ZTBL)
Loan Purpose	Purchase of agricultural tractor
Maximum Loan Limit	Rs. 2.5 Million
Down Payment	10% self-contribution
Repayment Period	8 Years
Installments	Half-yearly
Grace Period	6 Months
Markup Rebate	3% on timely payment

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ZTBL Tractor Loan Scheme 2026 Overview

The ZTBL Tractor Loan Scheme 2026 is mainly designed for small and medium farmers. It helps them move from traditional farming methods to modern agriculture by using tractors.

This scheme offers many benefits to farmers, including:

Easy access to tractor financing
Low down payment requirement
Long repayment duration
Government-supported markup rates

Farmers can use the tractor for plowing, sowing, harvesting, and other farm activities, which saves time and increases crop yield.

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Loan Amount and Down Payment Details

ZTBL provides most of the tractor price under this scheme, while the farmer contributes a small portion.

Important points related to loan amount and down payment:

Farmer must pay 10% of the tractor price as self-contribution
ZTBL finances up to 90% of the tractor cost
Maximum loan amount is Rs. 2.5 million
Final loan amount depends on:
- Tractor price
- Farmer’s income and repayment capacity
- Size of landholding

This low down payment makes tractor ownership possible even for farmers with limited savings.

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Installment Schedule and Repayment Plan

ZTBL has designed a flexible repayment system that suits farmers’ seasonal income.

Key features of the repayment plan include:

Total loan period of 8 years
Installments are paid twice a year
First installment starts after 6 months
Equal installments throughout the loan tenure

This system allows farmers to repay the loan after harvesting crops, reducing financial stress.

Markup Rate, Rebate, and Financial Benefits

The markup rate under the ZTBL Tractor Loan Scheme is lower than commercial bank loans because it is government-supported.

Major financial benefits of the scheme include:

Affordable markup rate
3% markup rebate for timely installment payments
Reduced overall loan cost due to long tenure
No hidden charges

Farmers who pay installments on time can save a significant amount through the rebate facility.

Insurance, Registration, and Security Rules

To protect both the bank and the farmer, ZTBL applies certain security conditions on the tractor.

These conditions include:

Tractor is jointly registered in the name of:
- Borrower
- ZTBL
Tractor must be insured by an “A” rated insurance company
Insurance cost is usually included in the loan
Tractor cannot be sold without bank approval

These steps ensure safety of the asset during the loan period.

How to Apply for ZTBL Tractor Loan Scheme 2026

Farmers can apply for this loan by visiting their nearest ZTBL branch.

The application process is simple:

Visit the nearest ZTBL branch
Contact the agricultural loan officer
Submit required documents
Complete verification and appraisal
Receive loan approval and tractor delivery

For official information and updates, visit the ZTBL website:
👉 https://ztbl.com.pk

Conclusion

The ZTBL Tractor Loan Scheme 2026 is a strong support program for Pakistani farmers. With a low 10% down payment, long 8-year repayment period, half-yearly installments, and markup rebate, this scheme makes tractor ownership affordable. Insurance and joint registration provide security, while farmer-friendly terms reduce financial pressure. Overall, this scheme helps farmers improve productivity, save time, and increase income.

FAQs

Q1: Who is eligible for the ZTBL Tractor Loan Scheme 2026?
Farmers who own or lease agricultural land and meet ZTBL eligibility criteria can apply.

Q2: What is the maximum loan amount offered?
The maximum loan limit is Rs. 2.5 million per farmer.

Q3: When does the repayment of the loan start?
Loan repayment starts after a grace period of six months.

Q4: Is there any benefit for paying installments on time?
Yes, farmers receive a 3% markup rebate for timely installment payments.