Bank Loan on Agricultural Land and Farming Business in Pakistan

Agricultural loans in Pakistan are usually required by farmers or agricultural landowners for various purposes, including the purchase of land, cattle, farming tools or machinery, and maintenance equipment.

It is not uncommon for people in Pakistan to spend their lives saving money to build a business, or chase their dreams of owning a property, be it commercial, residential, or agricultural. And, we know for a fact that very few are able to actually achieve this dream, given the lack of resources and capital.

Given the shortage of finance, agricultural financing proves to be a lifesaver for individuals looking to farm for a living or who are interested in carving a special place for themselves in the field of horticulture. Keeping all these things in mind, we have compiled a list of financial institutions that provide agricultural loans to agro-based businesses in Pakistan.

So, without further ado, let’s get cultivating!


Before we begin by giving you an overview of the institutions that provide bank loans on agricultural land and farming business in Pakistan, here are a few necessary terms that you should be aware of.

To begin with, ‘agri-credit’ or ‘agricultural credit’ is a type of funding provided to agricultural producers, farmers, or to individuals who are looking forward to launching a business in the agricultural sector. This funding is repaid by the lender against a certain interest rate to the bank. The most popular form of agricultural credit in Pakistan is bank loans, while the less-common include a letter of credit or banker’s acceptance document.

That said, here’s our compilation of the banks providing agricultural loans in Pakistan:

  • Allied Bank Limited
  • Habib Bank Limited
  • JS Bank
  • Muslim Commercial Bank
  • National Bank of Pakistan
  • Soneri Bank Limited
  • The Bank of Punjab
  • Zarai Taraqiati Bank Limited


Allied Bank has over 1350 branches across Pakistan
Allied Bank is headquartered in Lahore
Image Credits: Facebook/ ABL

Allied Bank Limited (ABL) is among the pioneers and market leaders in agricultural financing. Headquartered near Allama Iqbal Town in Lahore, the bank has a vast network of over 1,350 branches and ATM booths operational all over the country. In line with the guidelines provided by the State Bank of Pakistan, ABL has designed various agri-credit products for the farming industry. Here are some of the products and loans provided by ABL for both farm and non-farm sectors:

  • HariBhari agricultural revolving credit
  • Tractor financing
  • Agriculture finance for dairy farming
  • Agricultural finance for poultry farming and allied activities

Contact Information of Allied Bank Limited

In case you want to avail these services, you can visit the nearest branch or contact them on their number mentioned below:

Contact Number: 111-225-225



HBL is the largest bank by assets in Pakistan
The history of HBL predates the creation of Pakistan
Image Credits: Facebook/ HBL

Established in 1941 as a subsidiary of Aga Khan Fund for Economic Development, Habib Bank Limited (HBL) is the largest bank by assets in Pakistan. Also known as the country’s first commercial bank, HBL is among the many leading private institutions ensuring that everyone in the country benefits from their world-class services, including the farmers located in the remote and rural areas of the country.

This multinational bank, based in Karachi, boasts a vivid spectrum of products that are specifically designed to cater to the special needs of the farming community and provide financing solutions to the agricultural sector in Pakistan.

Getting loans for farming in Pakistan is not a thing to worry about with HBL’s Rural Banking facilities. Using these financing options, farmers can easily avail agricultural loans for both crop and non-crop products coupled with extremely flexible installment plans.

For your further convenience, here’s a list of agricultural loans provided by HBL:

  • Running Finance Farm Production
  • Dairy and Livestock Finance
  • Poultry Finance
  • Fisheries Finance
  • Tractor Finance

Contact Information of Habib Bank Limited

Although we have provided all the information about HBL’s Rural Banking scheme, in case you want to get in touch with HBL’s representatives, here’s the number and official website:

Contact Number: 111-111-425



JS Bank – a’s partner institution – is an amalgamation of Jahangir Siddiqui Investment Bank Limited and American Express Bank Limited. Operating since 2006, JS Bank comprises several units for corporate banking, treasury, retail banking, investment banking, and wealth management. That said, the agricultural investment unit of this bank was launched in 2014 under the title of ‘JS Zarkhez Agri Finance’.

By increasing its rural presence, the expert team leading the agricultural investment units of JS Banks work side-by-side with farmers and provide required technical support at their doorstep. The bank boasts a number of agri-credit facilities in the farming and non-farming sector.

Contact Information for JS Bank

To get in touch with JS Bank’s representatives, dial the number given below or navigate to their official website:

Contact Number: 111-57-2265



With the help of Muslim Commercial Bank (MCB), availing agricultural loans in Pakistan has become an easier task than ever before. Farmers can easily invest in cattle or farming equipment and pay back the loan via flexible instalments. As per the official website, availing the farming credit of MCB is completely hassle-free for small and medium-sized agro-businesses. The loans come with convenient repayment options. To find out more about this scheme, farmers are required to reach out to customer care representatives or visit the nearest branch of MCB.

Contact Information of Muslim Commercial Bank

In order to reach out to MCB’s customer services, contact on the number given below or visit their official website:

Contact Number: 111-000-622



Operating since 1949 and headquartered on I.I Chandigarh Road, Karachi, National Bank of Pakistan, as the name suggests, is a state-owned financial institution that provides some of the best banking solutions to the farming sector in the country. As a subsidiary of the State Bank of Pakistan, NBP aims to facilitate the agricultural industry with some of the most client-friendly services. With more than 1,400 branches operating all over the country, NBP is well-known to take every measure of market needs into consideration and provide financing solutions to farmers.

Further, the institution offers agricultural loans in Pakistan under the umbrella of ‘Kisan Dost’ and ‘Kisan Taqat Dairy Farm’ schemes. Here’s a list of some famous products offered by NBP for the agricultural sector:

  • Poultry farming in a controlled environment
  • Dairy farming
  • Off-season vegetable farming in tunnels
  • Floriculture in Pakistan
  • Kinnow processing plant
  • Dehydrated fruits and vegetable plant feasibility
  • Dates processing plant

Contact Information of National Bank of Pakistan

If you want to find out more about NBP’s agri-credit schemes, contact on the number given below or visit their official website:

Contact Number: 111-627-627



Soneri Bank Limited is a private institution that offers agricultural financing in Pakistan of varying tenors to all creditworthy individuals. To facilitate such individuals engaged in horticulture, plantation, poultry, animal husbandry or farming, Soneri Bank is increasing its rural presence and offering innovative financing solutions to the agricultural sector.

Under the umbrella of ‘Agri Financing’, the bank offers different schemes based on short-term and long-term loans. In line with State Bank of Pakistan’s guidelines, here’s a list of agricultural loans provided by Soneri Bank:

  • Farm Production Loan
  • Farm Development Loan
  • Non-Farm Working Capital or Development Loan for dairy farming
  • Non-Farm Working Capital or Development Loan for poultry farming
  • Non-Farm Working Capital or Development Loan for fish farming
  • Non-Farm Working Capital or Development Loan for cattle farming
  • Mustaqeem Tractor Loan
  • Mustaqeem Murabaha Non-Farm Working Capital Loan for Poultry Farming

Contact Information of Soneri Bank Limited

Here’s how to get in touch with Soneri Bank Limited: 

Contact Number: 111-766-374



The Bank of Punjab, as the name implies, is yet another state-owned bank in Punjab that provides financing solutions to the farming sector under the name of ‘Agriculture Loans’ schemes. The loans under these schemes are unique in the sense that they provide adequate technical support and timely credit to the farmers for both their personal and business needs.

Moving forward, the Bank of Punjab also provides loans for machinery like tractors. Farmers with a good reputation who have their permanent residence in the same area as the bank are eligible to apply for this loan.

Contact Information of The Bank of Punjab

If you want to avail agricultural credit from the Bank of Punjab, here’s how you can get in touch with them:

Contact Number: 111-267-200



ZTBL is among Pakistan's leading banks for agri financing
ZTBL also provides loans for dairy farming in Pakistan

Zarai Taraqiati Bank has maintained its presence among the most prominent institutions in Pakistan that provide bank loans on agricultural land and other farming-related needs. The bank covers the entire range of agricultural financing. From a farm to the finished product, it offers credit solutions for crop production, cattle farming, warehousing, horticulture, and plantation. It is one of the few banks that provide loans for dairy farming in Pakistan.

Some of the popular schemes offered by Zarai Taraqiati Bank Limited in agricultural financing are:

  • Kisan Dost Scheme
  • Sada Bahar Scheme
  • Warehouse Receipt Financing Scheme
  • Tahafuz-e-Ajnas Scheme
  • Soghat-e-Shireen Scheme
  • Tobacco Barn Financing Scheme
  • Khushk Ratab Scheme
  • Rural Development Scheme for AJK

Moreover, Zarai Taraqiati Bank also offers credit assistance for small businesses for both men and women on easy installments.

Contact Information of Zarai Taraqiati Bank Limited

Contact Number: 111-30-30-30


All in all, there are many banks that provide loans for farmers in Pakistan but none as reliable as the ones mentioned in our list.

This brings us to the end of our post on bank loans on agricultural land and horticultural business in Pakistan. For more information about financing in Pakistan’s real estate, head over to My Blog. If you have any questions regarding agricultural financing, write to us at

Kashif Qureshi
Salam! I am an i-National Marketeer, Business Developer & Realtor Pakistan with a great career history of 19 years. Having lived, studied and worked in multiple countries, I am multi-lingual and I welcome you to my website.

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