How to Apply for a ZTBL Poultry Loan of Up to Rs 5 Million: Golden Misri and Black Australorp
ZTBL lends up to Rs 5 million for Golden, Misri and Black Australorp poultry farms, repaid within 8 years. See the eligibility tests, staged payout and steps.
ZTBL lends up to Rs 5 million per borrower for poultry farming with Golden or Misri chickens, or with Black Australorp chickens. You put in 10 per cent yourself. The loan is repaid within 8 years in half-yearly instalments, and the first instalment starts two years after the money is paid out.
A shed of local hens is one of the cheapest ways to start a farm business, and ZTBL now finances it with two dedicated loans. We read ZTBL's Golden and Misri chicken loan page and its Black Australorp loan page on 15 October 2026. Every term below comes from them. Neither page states a markup rate, so we quote none.
ZTBL finances two breeds with the same limit of Rs 5 million
The two loans are Golden or Misri chicken farming and Black Australorp chicken farming, each for egg and meat production. Both carry a maximum of Rs 5 million per borrower or party, and both run nationwide wherever no federal or provincial restriction applies.
ZTBL describes the Golden and Misri breeds as well adapted to hot, cold, humid and dry weather and able to live as scavenger birds at low cost. It describes the Black Australorp as a breed with strong egg-laying and good meat weight. These are the bank's own words, not our test.
| Term | Golden or Misri loan | Black Australorp loan |
|---|---|---|
| Maximum loan | Rs 5 million | Rs 5 million |
| Your share | 10 per cent | 10 per cent |
| Repayment | 8 years, half-yearly | 8 years, half-yearly |
| First instalment | Two years after payout | Two years after payout |
| Credit tests | Clear e-CIB, risk rating up to 4 | Clear e-CIB, risk rating up to 4 |
Eligibility differs a little between the two loans
For Golden and Misri, ZTBL accepts creditworthy rural people in poultry and encourages women borrowers. For Black Australorp, it wants a farmer with good repayment behaviour who knows the breed. Both need a clear e-CIB report and a risk rating up to 4.
Old borrowers with good repayment behaviour who know poultry are also considered for the Golden and Misri loan. Check your State Bank credit record first, using the steps in the e-CIB credit report guide. A wrong entry there can end an application before it starts.
Instalments begin two years after disbursement, over eight years
The loan is recovered within 8 years in half-yearly instalments, and the first instalment falls due two years after the money is disbursed. That gap gives a new farm time to build a flock. The markup is the prevailing rate on development loans.
The pages do not say whether markup is charged during those two years, so ask the branch. It is the single most important question for your plan. Also ask for the total you will repay over the whole term, in writing, before you sign any paper.
The bank pays out in stages, starting with the poultry shed
After the legal papers are signed, ZTBL releases the money for the poultry structure first, in three equal instalments. It checks that each instalment was used properly before releasing the next. The money for birds and running costs then goes into your current account.
So build the shed in three parts and keep receipts for each part. The bank checks how the money was used, not just how much was spent. The Australorp page lists what the special drive covers: fertile eggs, day-old chicks, roosters and hens. Plan your buying to match.
Bring four papers and offer security the bank accepts
ZTBL asks for a CNIC copy, the loan application, an agricultural passbook or Fard Jamabandi, and two recent photographs. Security can be any tangible asset the bank accepts. On a Rs 5 million loan, your 10 per cent share is Rs 500,000.
The Credit Review Department at head office sanctions the loan. In Punjab you can get a land record online, as shown in the steps to get a Fard online. If you also plan to keep cattle or goats, the Punjab livestock card is a separate scheme worth reading.
- Choose the breed and write a plan with the shed size, flock size and costs.
- Check your e-CIB report and gather your CNIC, photographs and land record.
- Visit a ZTBL branch and ask for the loan application for your breed.
- Ask in writing about markup during the two-year gap and the total repayment.
- Submit the file, keep the receipt and ask when head office will decide.
Common questions about the ZTBL poultry loans
How much can I borrow for poultry farming?
Up to Rs 5 million per borrower or party, under either the Golden and Misri loan or the Black Australorp loan.
When do I start repaying?
Instalments start two years after disbursement and run in half-yearly payments within 8 years.
Are women eligible?
Yes. The Golden and Misri page says women borrowers are especially encouraged.
What is the markup rate?
The prevailing rate on development loans applies. The pages give no figure, so ask the branch in writing.
Can I buy the chicks and birds with the loan?
Yes. After the shed is built, the bank releases money for birds and running costs through your current account.
Does the loan work everywhere in Pakistan?
The pages say it applies nationwide where no federal or provincial restriction is in force.
How we verified this
What we checked, where we read it, and what we could not confirm.
Last checked 15 October 2026. The limit, eligibility wording, documents, contribution, repayment term, stage-wise release and sanction authority come from ZTBL's Golden and Misri chicken loan page and Black Australorp loan page at ztbl.com.pk. The Rs 500,000 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.
