The Asaan Digital Zarai Qarza 2025 is a new scheme by the State Bank of Pakistan (SBP). It provides digital, collateral-free loans for small farmers to buy seeds, fertilizers, pesticides, diesel, and other farm inputs. Farmers can apply through a mobile app or online portal without visiting a bank branch. The scheme makes agriculture finance simple, fast, and transparent. (SBP Official Link)
| Key Point | Details |
|---|---|
| Scheme Name | Zarkhez-e (Asaan Digital Zarai Qarza) |
| Launched By | State Bank of Pakistan (SBP) |
| Target Group | Small and subsistence farmers |
| Land Eligibility | Up to 12.5 acres (Punjab & KP), 16 acres (Sindh), 32 acres (Balochistan) |
| Loan Limit | Rs. 150,000 – Rs. 500,000 depending on crop and farm size |
| Application Mode | Online portal or mobile app |
| Loan Purpose | Crop inputs: seeds, fertilizers, pesticides, diesel |
| Verification | NADRA CNIC & SIM verification |
Who Can Apply for Asaan Digital Zarai Qarza
The scheme is designed for small and subsistence farmers. Eligible farmers include:
- Farmers owning up to 12.5 acres of land
- Tenant farmers with valid tenancy documents
- Farmers growing seasonal crops and needing short-term financing
- Must have a valid CNIC and mobile SIM in their name
Benefits for eligible farmers:
- Access bank loans without collateral
- Simple and fast online process
- Financial support for seasonal farming inputs
- Reduced reliance on informal moneylenders
How to Apply Online for Agriculture Loans
Farmers can apply through the official portal or mobile app. The steps are:
- Register with CNIC, mobile number, and basic farm details
- Enter land size, crop type, and loan amount
- Upload NADRA verified CNIC, SIM, and land/tenancy proof
- The system verifies details automatically through NADRA and mobile data
- Partner banks process the loan and transfer funds to the farmer’s account or mobile wallet
Advantages of online application:
- No need to visit a bank physically
- Faster approval and disbursement
- Transparent and secure verification
- Easy tracking of application status
Loan Coverage and Fund Usage
The loan is mainly for seasonal crop inputs. Farmers can use it to:
- Buy certified seeds and fertilizers
- Purchase pesticides and diesel
- Manage crop production costs and other essential inputs
Key points about fund usage:
- 75% of the loan is disbursed for in-kind inputs
- Up to 25% can be used as cash for other farm-related expenses
- Loan limits depend on farm size, ranging from Rs. 150,000 to Rs. 500,000
- Repayment is short-term, usually between 3 to 6 months
This ensures that funds are used properly and support better crop yield.
Partner Banks and Support
SBP has partnered with several banks to ensure smooth loan processing:
- National Bank of Pakistan (NBP)
- Habib Bank Limited (HBL)
- Bank of Punjab (BOP)
- Zarai Taraqiati Bank Limited (ZTBL)
- Mobilink Microfinance Bank and other digital banks
Benefits of partner banks:
- Quick verification and approval
- Digital transfer of funds to mobile wallets or bank accounts
- Guidance for proper use of funds
- Monitoring to ensure loans are used for crop inputs only
This network provides full digital support for all eligible farmers.
Benefits and Importance of the Scheme
The scheme provides multiple benefits for farmers and the agriculture sector:
- No collateral required for small loans
- Fast and transparent approval process
- Encourages financial inclusion in rural areas
- Reduces dependence on informal lenders
Other advantages:
- Boosts digital literacy among farmers
- Supports seasonal crop planning
- Improves productivity and farm efficiency
- Saves time and effort in loan processing
The initiative helps farmers access funding, improve yields, and participate in the formal financial system.
Conclusion
The Asaan Digital Zarai Qarza 2025 under the Zarkhez-e program makes agricultural loans easier, faster, and more accessible. With its digital, collateral-free process, farmers can get financing for crop inputs efficiently. The scheme helps farmers manage costs, improve crop yields, and build financial inclusion, benefiting both individual farmers and the wider agriculture sector.
FAQ
Q1: Who can apply for Asaan Digital Zarai Qarza 2025?
A1: Farmers owning up to 12.5 acres or tenants with valid documents can apply.
Q2: Is collateral required for the loan?
A2: No, the scheme offers collateral-free loans to eligible farmers.
Q3: What can the loan be used for?
A3: The loan can be used for seeds, fertilizers, pesticides, diesel, and other seasonal farming expenses.
Q4: How do farmers apply for the loan?
A4: Farmers can apply online via the SBP portal or mobile app, upload required documents, get verified digitally, and receive funds in their account or mobile wallet. (SBP Official Link)
