The State Bank of Pakistan (SBP) 2026 has launched the “Zarkhez-e – Asaan Digital Zarai Qarza” program to support small and subsistence farmers with collateral-free agriculture loans. This fully digital system allows farmers to apply online without visiting a bank branch. The initiative provides financial assistance, promotes higher crop yields, and encourages agriculture growth in Pakistan.
| Feature | Details |
|---|---|
| Loan Amount | Up to Rs. 1 Million (Landowners), Up to Rs. 500,000 (Tenants) |
| Interest Rate | Competitive rates with government risk coverage |
| Disbursement | 75% in-kind (seeds, fertilizer) and 25% cash |
| Security | Collateral-free for eligible small farmers |
| Duration | Up to 12 months (aligned with crop cycles) |
| Eligibility | Land limits, age 21–60, valid CNIC, clean credit record |
| Partner Banks | HBL, BOP, UBL, MCB, Bank Alfalah, NRSP Microfinance |
| Processing Fee | Rs. 1,200 non-refundable digital fee |
Eligibility Criteria for Asaan Digital Zarai Qarza
Farmers must meet the following conditions to qualify:
- Landholding: Punjab & KPK up to 12.5 acres, Sindh up to 16 acres, Balochistan up to 32 acres
- Age: 21–60 years
- CNIC verified by NADRA
- Registered mobile SIM in the applicant’s name
- Clean eCIB record (no loan defaults)
Step-by-Step Application Process
The loan application process is entirely digital via the Zarkhez-e portal or partner bank apps:
- Online Registration: Access the official Zarkhez-e portal or bank apps (HBL, BOP, UBL, etc.)
- LIMS Verification: Land ownership or tenancy verified through the Land Information Management System (LIMS)
- Digital KYC: Complete facial or fingerprint verification using smartphone
- Processing Fee: Pay Rs. 1,200 to cover NADRA and LIMS verification
- In-Kind Spending: 75% of the approved loan is available digitally for seeds, fertilizers, and pesticides
Informative Loan Details Table
| Feature | Benefit for Farmers |
|---|---|
| 75% In-Kind Funds | Ensures purchase of certified seeds and fertilizers |
| 25% Cash | Used for transport, labor, or small farming expenses |
| Maximum Loan Limit | Landowners Rs. 1 Million, Tenants Rs. 500,000 |
| Loan Duration | 12 months aligned with crop cycles |
| Collateral-Free | No security required for eligible farmers |
| Partner Banks | HBL, BOP, UBL, MCB, Bank Alfalah, NRSP |
| Digital Verification | Fast approval via CNIC and LIMS |
| Risk Coverage | Government provides partial risk protection for lenders |
Benefits of the Program
The Asaan Digital Zarai Qarza ensures farmers receive high-quality agricultural inputs and prevents misuse of funds:
- Guarantees access to certified seeds and fertilizers
- Prevents diversion of funds to non-agriculture purposes
- Improves crop yield and farm productivity
Partner Banks for Easy Loan Access
Farmers can apply through multiple banks integrated with the program:
- Habib Bank Limited (HBL)
- Bank of Punjab (BOP)
- United Bank Limited (UBL)
- MCB Bank
- Bank Alfalah
- NRSP Microfinance Bank
Final Thoughts on SBP Asaan Digital Zarai Qarza 2026
The SBP Asaan Digital Zarai Qarza 2026 program empowers small farmers with collateral-free loans, enhances financial independence, and promotes sustainable agriculture. Farmers are encouraged to use the official Zarkhez-e portal or partner bank apps for quick digital approval and timely access to funds, ensuring a productive farming season and higher income.
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