Apply for a ZTBL Agri Tourist Orchard Loan in Gilgit-Baltistan, Swat and Chitral: Up to Rs 2.5 Million

The scheme is called Establishment of Agri Tourist Outlet or Orchard. ZTBL's aim is to join farming and tourism so that growers in the northern valleys sell their apricots, apples, cherries and other produce to visitors directly, and cut out the middleman.

ZTBL lends up to Rs 2.5 million to turn an orchard into a tourist stop

The limit is Rs 2.5 million per borrower or party. The loan is for orchard owners who want to set up an agri-based tourist outlet, or add value to an orchard they already run so that it earns more. Tourists can visit, stay, enjoy the orchard and buy produce in a real farm setting.

In practice that can mean a small guest room or a few huts among the trees, a sitting area, a fruit stall, a drying shed for apricots, or a path and parking for visitors. Take your plan to the branch and agree which costs the loan will cover before you apply.

The scheme runs in Gilgit-Baltistan and four Mingora region branches

ZTBL offers this loan across the whole of its Gilgit-Baltistan region, and at four branches of its Mingora region: Mingora in Swat, Dir, Alpurai and Chitral. Orchard owners anywhere else in Pakistan cannot use this scheme, though general ZTBL farm loans still apply to them.

The scheme's eligibility line is written for residents of Gilgit-Baltistan, while the area list also names the four KP branches. If you live in Swat, Dir, Shangla or Chitral, ask the branch to confirm in writing that you qualify before you spend money on a plan.

Fruit sellers in Gilgit-Baltistan who want a roadside shop rather than a tourist orchard can look at the ZTBL Kissan Rozgar fruit shop loan, which is built for that.

You repay yearly over five years after a one-year grace

The loan is repaid within five years in yearly instalments, with a one-year grace period. Yearly payments suit orchard income, which comes in one main season. The markup is ZTBL's prevailing rate on development loans, and the money is paid into your current account after the legal papers are signed.

Your own share works two ways. If the project costs Rs 2.5 million or less, you put in 10 per cent of the project cost. If it costs more, you pay everything above Rs 2.5 million yourself. So a Rs 2,000,000 project needs Rs 200,000 from you, and a Rs 3,000,000 project needs Rs 500,000. Those figures are our arithmetic from the rule.

Who can apply: orchard owners aged 18 to 60 with a clean credit record

You must already own an orchard and want to build a tourist outlet on it, or add value to it. You must be between 18 and 60 years old, with a clean e-CIB report from the State Bank of Pakistan and an Obligor Risk Rating of 4 or better.

The e-CIB is the State Bank's credit bureau record of all your bank loans. Check it yourself through the e-CIB and Tasdeeq credit report and clear any overdue amount first. The Obligor Risk Rating is ZTBL's own risk grade for a borrower; 4 is the highest number the scheme accepts.

Documents and security

• A copy of your CNIC.
• The ZTBL loan application form.
• Your agricultural passbook or Fard Jamabandi, the land record for the orchard.
• Two recent photographs.

The loan is secured against tangible property you own. If you have none, ZTBL accepts a parent's or family member's property, with that person joining as a co-applicant.

How to apply for the ZTBL agri tourist orchard loan

Take your papers and a costed plan for the outlet to a ZTBL branch in Gilgit-Baltistan, or to the Mingora, Dir, Alpurai or Chitral branch. The case goes to the Credit Review Department at ZTBL's head office for approval. After release, the branch's mobile credit officer checks how the money was used within one month.

1. Confirm your branch is in the Gilgit-Baltistan region or one of the four Mingora branches.
2. Write a costed plan: rooms or huts, fruit stall, drying shed, paths and parking.
3. Check your e-CIB credit record and clear any overdue amount.
4. Collect your CNIC copy, passbook or Fard Jamabandi and two photographs.
5. Arrange your own share and the property papers for collateral.
6. Apply at the branch, wait for head office sanction and sign the legal papers.
7. Receive the loan in your current account and keep receipts for every cost.

Visitors reach the valleys by road for most of the year, but winter closes some routes. Before you count on winter guests, check the Swat and Chitral road status and the NATCO bus service to Gilgit and Skardu. The ZTBL helpline is 051-111-30-30-30.

Common questions

What is the ZTBL agri tourist outlet loan?

A ZTBL loan of up to Rs 2.5 million for orchard owners who want to open their orchard to tourists, where visitors can stay and buy produce from the farmer.

Where is the ZTBL agri tourist loan available?

Across ZTBL's Gilgit-Baltistan region, and at the Mingora (Swat), Dir, Alpurai and Chitral branches of its Mingora region.

How do I repay the loan?

In yearly instalments within five years, after a one-year grace period.

How much must I put in myself?

10 per cent of the project cost if it is Rs 2.5 million or less. If it costs more, you pay everything above Rs 2.5 million.

Is there an age limit?

Yes. Applicants must be between 18 and 60 years old.

Do I need my own orchard?

Yes. The scheme is for people who already have an orchard and want to build a tourist outlet on it or add value to it.

How we verified this

What we checked and where we read it.

Last checked 14 November 2026. All terms come from ZTBL's own page, Financing for Establishment of Agri Tourist Outlet/Orchard, and the helpline from the ZTBL home page. The page's area line covers Gilgit-Baltistan and four Mingora region branches, while its eligibility line names residents of Gilgit-Baltistan only; we have flagged that difference for readers in KP. The page lists no markup percentage and no list of items the loan covers; the examples of outlet costs and the share calculations are ours. Terms can change, so confirm them at a branch before you commit.