How to Apply for the ZTBL Kissan Rozgar Fruit Shop Loan in Gilgit-Baltistan
ZTBL's Kissan Rozgar Scheme lends up to Rs 2.5 million to open a fresh or dry fruit shop in Gilgit-Baltistan. See the age rule, the tests and how to apply.
ZTBL's Kissan Rozgar Scheme lends up to Rs 2.5 million to a Gilgit-Baltistan resident aged 18 to 60 to open a fresh or dry fruit shop. You need your own farm land, a clear e-CIB report and 10 per cent of the loan as your share. Repayment takes 5 years, with a six-month grace period.
Gilgit-Baltistan grows cherries, apricots, apples, pears and almonds, and fruit spoils fast. Selling it from your own shop, fresh or dried, can add to a farm family's income. ZTBL built a loan for exactly this. We read the Kissan Rozgar Scheme page on ZTBL's website on 15 October 2026. Every term below comes from it. The page states no markup rate, so we quote none.
The scheme finances a fresh or dry fruit shop and only in Gilgit-Baltistan
Kissan Rozgar finances a fresh or dry fruit shop. It applies only in ZTBL branches in the Gilgit-Baltistan zone. The bank says fruit has a short shelf life, so most is dried, and that millions of tourists visit the region each year.
The page says the bank wants farmers to open their own fresh or dry fruit shops in villages across the region. So the loan is for a shop, not for an orchard or a tractor. For those, look at ZTBL's other loans. The page does not say what the money can buy, such as shelves, a cold room or stock, so ask the branch.
| Term | What ZTBL's page says |
|---|---|
| Purpose | Establishing a fresh or dry fruit shop |
| Where | ZTBL branches in the Gilgit-Baltistan zone |
| Maximum loan | Up to Rs 2.5 million per borrower or party |
| Your share | 10 per cent of the loan |
| Repayment | Within 5 years, half-yearly, 6 months grace |
You must live in Gilgit-Baltistan, own farm land and be aged 18 to 60
ZTBL requires a resident of Gilgit-Baltistan with suitable self-owned and self-possessed agricultural land, aged 18 to 60, with a valid CNIC. Your e-CIB report must be clear and your Obligor Risk Rating must be 4 or better.
Self-owned means the land is in your name. Self-possessed means you actually hold it. The land must also be enough to make the shop project workable. The page does not give a minimum area. The e-CIB is the State Bank's credit record, and you can see yours through the e-CIB credit report guide.
| Eligibility test | What the page says |
|---|---|
| Residence | Resident of Gilgit-Baltistan |
| Land | Appropriate self-owned and self-possessed agricultural land |
| Age | 18 to 60 years |
| Identity | Valid CNIC copy |
| Credit | Clear e-CIB report; Obligor Risk Rating up to 4 |
Put in 10 per cent yourself and offer security the bank accepts
You put in 10 per cent of the loan, as a deposit or as money spent on the project. On Rs 2.5 million that is Rs 250,000. The loan is secured against tangible property, and a family member's property is accepted if you have none.
The bank sanctions the loan through its Credit Review Department at head office. After the legal papers are signed, it pays the money into your deposit account. The cost of credit is "as per the bank's rules", and the markup is the prevailing development-loan rate, so ask the branch for every charge in writing.
Repay in five years, with a six-month grace period
ZTBL recovers the loan within 5 years in half-yearly instalments, with a grace period of six months. During the loan, its monitoring staff also check how you use the money, so keep your receipts and stock records ready for them.
The page does not say whether the grace period counts from approval or from the first payout, so ask the branch to put the first due date in writing. Fruit is seasonal, so a shop earns most when the harvest is in. Match the instalment dates to those months. Ask the branch to set dates that suit your sales. If your plan is bigger than a shop, the guide to SME loans from Pakistani banks shows other options for a small business.
- Write a plan with the shop location, stock, cost and expected sales.
- Check your e-CIB report and your land record.
- Collect your CNIC copy and the other papers the branch asks for.
- Visit a ZTBL branch in Gilgit-Baltistan and ask for the Kissan Rozgar application.
- Get the markup rate and charges in writing, submit and keep the receipt.
Common questions about the Kissan Rozgar fruit shop loan
Who can apply for the Kissan Rozgar Scheme?
A resident of Gilgit-Baltistan, aged 18 to 60, with suitable self-owned agricultural land, a valid CNIC, a clear e-CIB report and a risk rating up to 4.
How much can I borrow?
Up to Rs 2.5 million per borrower or party.
Can I apply from Punjab or Sindh?
No. The page says the scheme applies only in ZTBL branches in the Gilgit-Baltistan zone.
How long do I have to repay?
Within 5 years in half-yearly instalments, with a grace period of six months.
What is the markup rate?
The prevailing rate on development loans applies. The page gives no figure, so ask the branch.
What if I have no land of my own?
The page requires self-owned agricultural land for eligibility. It also says a parent's or family member's property can be accepted as security. Ask the branch how it treats your case.
How we verified this
What we checked, where we read it, and what we could not confirm.
Last checked 15 October 2026. The purpose, area, eligibility tests, limit, 10 per cent share, security rule, repayment term and sanction authority come from ZTBL's Kissan Rozgar Scheme page at ztbl.com.pk. The Rs 250,000 share is our arithmetic. We did not apply or call a branch. ZTBL can change its terms, so confirm them at the branch.
About the author
Public Services and Education Journalist
Fajr Riaz is a journalist and content writer at Pakistan Era, based in Lahore. She covers the questions people meet in everyday life in Pakistan: how a public service works, what a change in the rules means, and where to find a reliable answer.
