Apply for a ZTBL Tunnel Farming and Greenhouse Loan in Pakistan: Up to Rs 5 Million, 1 Year Grace
ZTBL lends up to Rs 5 million for tunnel farming, greenhouses and flowers, repaid within 5 years with up to 1 year grace. See terms, documents and how to apply.
Zarai Taraqiati Bank Limited (ZTBL) lends up to Rs 5 million per borrower for tunnel farming, greenhouses and flower growing, repayable within five years in half-yearly instalments. You put in 10 per cent of the loan yourself, and tunnels and greenhouses get a one-year grace period before repayment starts.
The scheme is called the Agri Financing Scheme for Floriculture and Green Houses. It covers roses, tube roses, gladiolus, potted and ornamental flowers, and off-season vegetables grown under tunnels or in greenhouses. It runs through every ZTBL branch in Pakistan.
ZTBL lends up to Rs 5 million for tunnels, greenhouses and flowers
The limit is Rs 5 million per borrower or party, double the Rs 2.5 million cap on most ZTBL farm schemes. The loan is for farmers who grow flowers or vegetables. ZTBL says it aims to help rural families earn a living from flowers and off-season vegetables, and to cut rural unemployment.
Tunnel farming means growing vegetables under low or walk-in plastic tunnels, so a crop such as tomato, cucumber or chilli reaches the market weeks before the open-field crop. A greenhouse does the same on a bigger, permanent frame. Both need money up front for the frame, sheet, drip lines and seed, which is what this loan pays for.
Grace periods depend on what you grow
Every loan under the scheme is repaid within five years in half-yearly instalments. The grace period before the first payment is one year for tunnel farming, greenhouses and roses, and six months for tube roses, gladiolus, and potted or ornamental flowers. Markup follows ZTBL's prevailing rate on development loans.
| What you finance | Repayment | Grace period |
|---|---|---|
| Tunnel farming and greenhouses | Within 5 years, half-yearly | 1 year |
| Rose cultivation | Within 5 years, half-yearly | 1 year |
| Tube roses and gladiolus | Within 5 years, half-yearly | 6 months |
| Potted and ornamental flowers | Within 5 years, half-yearly | 6 months |
The longer grace for tunnels and roses gives you a full season or more before the first payment falls due. Plan the first instalment around your first harvest, not the loan date.
Our example: on a Rs 2,000,000 tunnel loan, your 10 per cent share is Rs 200,000. If the one-year grace sits inside the five years, the principal is spread over eight half-yearly instalments of Rs 250,000 each, plus markup. That is our arithmetic, so ask the branch for the actual schedule in writing.
Who can apply: flower and vegetable growers with a clean credit record
Any creditworthy farmer who grows flowers or vegetables can apply. Old ZTBL borrowers with a good repayment record who know the work are also considered. You need 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 every loan you hold with any bank. A late payment or default anywhere shows up there. You can see your own record before applying through the e-CIB and Tasdeeq credit report check. The Obligor Risk Rating (ORR) is ZTBL's own grade of how risky a borrower is; a lower number means lower risk.
Documents for the floriculture and greenhouse loan
- A copy of your CNIC.
- The ZTBL loan application form.
- Your agricultural passbook or Fard Jamabandi, the land record.
- Two recent photographs.
Punjab farmers can pull the land record through the Punjab online Fard service before going to the branch.
Collateral and approval go through ZTBL's head office
The loan is secured against tangible property owned by the borrower, under the bank's policy. Your 10 per cent share is deposited as self-contribution. Every case is sanctioned by the Credit Review Department at ZTBL's head office in Islamabad, not by the branch alone, so expect the file to take longer than a crop loan.
Ask the branch at the start which property papers it will accept, and whether a family member's land can stand as a co-applicant's security. Some other ZTBL schemes allow that. Bank staff monitor the loan after release, so keep receipts for the frame, sheet and drip kit.
How to apply for the ZTBL tunnel farming loan
Take your papers and a cost estimate for the tunnel, greenhouse or flower beds to your nearest ZTBL branch. The branch prepares the case and sends it to the head office for sanction. Once approved and the legal papers are signed, the loan is released and the grace period begins.
- Price your project: frame, plastic sheet, drip lines, seed or bulbs, labour.
- Check your e-CIB credit report and clear any old overdue amounts.
- Collect your CNIC copy, passbook or Fard Jamabandi and two photographs.
- Arrange your 10 per cent share and the property papers for collateral.
- Submit the application at a ZTBL branch and ask for the markup rate in writing.
- Wait for head office sanction, sign the legal papers and receive the loan.
Most tunnels are watered by drip lines, and both Punjab and KP subsidise drip systems: see the Punjab drip irrigation subsidy and the KP drip and sprinkler scheme. Growers in Khyber Pakhtunkhwa can plan crops with the KP winter vegetable sowing calendar. The ZTBL helpline is 051-111-30-30-30.
Common questions
How much can I borrow from ZTBL for tunnel farming?
Up to Rs 5 million per borrower or party, with 10 per cent of the loan from you.
How long do I get to repay a ZTBL greenhouse loan?
Within five years, in half-yearly instalments, with a one-year grace period for tunnels, greenhouses and roses.
Which flowers does the ZTBL floriculture loan cover?
Roses, tube roses, gladiolus, and potted or ornamental flowers. Off-season vegetables under tunnels or in greenhouses are covered too.
What is the markup on the ZTBL tunnel farming loan?
ZTBL's prevailing markup rate on development loans applies. Ask the branch for the current rate in writing before you sign.
Can a new farmer get this loan?
Yes, if you are creditworthy, grow flowers or vegetables, and have a clean e-CIB report with an Obligor Risk Rating of 4 or better.
Where do I apply?
At any ZTBL branch in Pakistan. The head office's Credit Review Department gives the final approval.
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, Agri Financing Scheme for Floriculture and Green Houses, and the helpline from the ZTBL home page. The page lists no markup percentage; it says the development loan rate applies. The repayment example is our arithmetic. Terms can change, so confirm them at a branch before you commit.
About the author
Senior Writer, Public Services and Technology
Shahid joined us in 2024 as an author. He is a senior contributor to Pakistan's leading technology websites. He writes detailed articles, mostly covering his expertise in the latest tech, mobiles, apps, gadgets, and step-by-step guides. His ideology is to help people understand the latest trends and explain complex methods through very easy-to-understand guides.
