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Keeping in view the importance of agriculture, Faysal Bank has introduced “Khushaal
Kissan Scheme” to play its role in the development of agriculture in Pakistan. Following
agriculture finance facilities are provided by Faysal Bank under the scheme.
Production Loans:
Production loans are offered to meet the input and other working capital requirements for
farming, orchards / Nursery, tunnel farming, storage of raw material, transportation,
grading and packing etc by farmers.
Development Loans:
Development loans are offered for the purchase of tractors, trailers, thrashers, ploughs,
cultivators, laser levelers, combine harvesters, processing machinery, pickup and mini
trucks for agricultural use. The product is also designed to meet the cost of installation of
tubewells, turbine, transformers, land leveling, soil improvement, land reclamation, Seed
processing units and for godowns and cold storages.
Livestock:
To meet the fixed cost and working capital requirements for cattle farming, cattle feed
units, dairy farming, poultry farming, poultry feed units and fish farming.
Note: Financial facilities for all other purposes as detailed in SBP’s list of eligible items for Agricultural
Credit are also available.
Features:
Securities:
Security package includes either one or a combination of more than one of the
following.
1. Charge on Agri Land through Agricultural Pass Book issued by the Revenue
Department.
2. Registered / Equitable Mortgage of residential / commercial / Industrial
property located in rural & urban areas.
3. Liquid Assets - Govt. Securities / National Saving Certificates (DSC’s, SSC’s
etc.), Bank Deposits, Certificates of Deposit / Certificates of Investment,
Unconditional & Demand Bank Guarantees subject to conditions laid down in
Prudential Regulations for Agricultural Financing.
4. Registration of Tractors, Trucks and other vehicles in the Joint names of FBL
and the customer or sole name of FBL.
5. Hypothecation / Trust Receipt of Livestock / Machinery and other moveable
assets and charge on Book debts / receivables PLUS either of the items 1, 2, 3
& 4 as above.
6. Two Personal Guarantees (on case to case basis)
Documentation Requirement: