Development Finance increases efficiencies through technology which enable farmers in the rural segment of Pakistan, to become self-reliant for farm-to-fork solutions.
This is made possible by agriculture value chain aggregation to provide farming technology, unbiased agronomy and weather advisory packaged as ‘in-kind’ fairly priced credit to help farmers increase their yield per acre, save, invest and sell so they can truly raise their standard of living.
Ensuring digital and financial inclusion, Development Finance targets Pakistan’s Agriculture and SME sectors, and in the process, uplifts the underserved farmers of the country.
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Other terms and conditions are applicable as per Bank’s and SBP’s policies from time to time.
Yes, lease land cultivator can also avail this product.
Yes, but the finance amount will not exceed PKR 1 Mn. This provision has been placed for financial inclusion of those farmers who do not own their land.
No. It is an in-kind facility, and farmers availing it will be able to pay for crop inputs and services through the finance amount. However, some portion [5-10%] may be given out in cash in lieu of water and labor expenses.
If the crop meets the standards provided by the HBL partner bulk processor, the farmers will have to sell their produce to the said processor. However, in case the farmer is getting better price elsewhere, he can sell his produce there by abiding by HBL’s prescribed procedure.
Currently, it is only available at limited branches in Okara and Gujranwala. However, soon it will be available in other regions as well.
Currently, it can only be availed for Maize, Potato, Rice and Wheat. However, soon it will cover other crops as well.
Participating farmers will receive high quality seeds, fertilizers, and plant protection chemicals.
No. However, participating farmers will receive modern mechanization and its operator, specific to the financed crop, on a rental basis.
No, the required inputs shall be delivered at farm-gate of the participating farmer, while the transportation cost shall be paid through in-kind finance facility of the respective farmer.
The market-based mark-up rate shall be charged to the participating farmers.