{"id":104288,"date":"2025-12-22T16:30:29","date_gmt":"2025-12-22T11:30:29","guid":{"rendered":"https:\/\/www.zameen.com\/news\/?p=104288"},"modified":"2025-12-22T16:30:33","modified_gmt":"2025-12-22T11:30:33","slug":"zarkheze-launched-for-small-farmers","status":"publish","type":"post","link":"https:\/\/www.zameen.com\/news\/zarkheze-launched-for-small-farmers.html","title":{"rendered":"Farm loans go digital: Zarkheze launched for small farmers"},"content":{"rendered":"\n<p>Islamabad: The Finance Division, in collaboration with the State Bank of Pakistan (SBP) and Pakistan Banks Association (PBA), has launched Zarkheze, a digital platform aimed at transforming agricultural financing in the country. The platform allows small farmers to digitally apply for loans of up to PKR 1 million through the Zarkheze app.<\/p>\n\n\n\n<p>Under the initiative, 75 percent of the financing will be disbursed in kind for the purchase of agricultural inputs through pre-approved vendors affiliated with banks. Applications will undergo verification and agronomic assessments before submission to the farmer\u2019s chosen bank for processing.<\/p>\n\n\n\n<p>In addition to financing, Zarkheze will provide farmers with agri-advisory services through the Land Information Management System (LIMS), improving productivity and access to quality inputs. To encourage adoption, the government has provided a 10 percent first-loss coverage and an operational cost subsidy of PKR 10,000 per borrower for net increases in outstanding bank loans to small farmers.<\/p>\n\n\n\n<p>Read: <a href=\"https:\/\/www.zameen.com\/news\/punjab-sindh-revert-to-old-agriculture-tax-rates.html\" target=\"_blank\" rel=\"noreferrer noopener\">Punjab, Sindh revert to old agriculture income tax rates<\/a><\/p>\n\n\n\n<p>Commenting on the launch, Finance Minister Senator Muhammad Aurangzeb said, \u201cZarkheze exemplifies our commitment to expanding financial inclusion. By facilitating access to formal credit for small farmers, this initiative supports rural development and national food security.\u201d<\/p>\n\n\n\n<p>SBP Governor Jameel Ahmad added, \u201cBy digitising the credit journey, Zarkheze removes friction for small farmers, ensuring timely and accessible formal lending while promoting digital payments in the rural economy.\u201d<\/p>\n\n\n\n<p>PBA Chairman Zafar Masud highlighted the banking sector\u2019s role, stating that banks are committed to streamlining processes and expanding outreach for smallholder farmers, including those operating in largely undocumented sectors.<\/p>\n\n\n\n<p>The Zarkheze application is now available on the Google Play Store, and farmers can also visit their nearest bank branch for assistance with digital onboarding.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Islamabad: The Finance Division, in collaboration with the State Bank of Pakistan (SBP) and Pakistan Banks Association (PBA), has launched Zarkheze, a digital platform aimed at transforming agricultural financing in the country. The platform allows small farmers to digitally apply for loans of up to PKR 1 million through the Zarkheze app. Under the initiative, 75 percent of the financing will be disbursed in kind for the purchase of agricultural inputs through pre-approved vendors affiliated with banks. Applications will undergo verification and agronomic assessments before submission to the farmer\u2019s chosen bank for processing. In addition to financing, Zarkheze will provide farmers with agri-advisory services through the Land Information Management System (LIMS), improving productivity and access to quality inputs. To encourage adoption, the government has provided a 10 percent first-loss coverage and an operational cost subsidy of PKR 10,000 per borrower for net increases in outstanding bank loans to small farmers. Read: Punjab, Sindh revert to old agriculture income tax rates Commenting on the launch, Finance Minister Senator Muhammad Aurangzeb said, \u201cZarkheze exemplifies our commitment to expanding financial inclusion. By facilitating access to formal credit for small farmers, this initiative supports rural development and national food security.\u201d SBP Governor Jameel Ahmad&hellip;<\/p>\n","protected":false},"author":18,"featured_media":76277,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[15016],"tags":[70040,67485,70043,17893,70041,29801,60340,64915,60510,60072,58313,19874,70039,2631,70042],"persona":[],"class_list":{"0":"post-104288","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-new-developments","8":"tag-agri-advisory","9":"tag-agricultural-financing","10":"tag-digital-loans","11":"tag-digital-payments","12":"tag-farm-loans","13":"tag-finance-division","14":"tag-financial-inclusion","15":"tag-lims","16":"tag-pakistan-agriculture","17":"tag-pakistan-banks-association","18":"tag-pakistan-news","19":"tag-rural-development","20":"tag-small-farmers","21":"tag-state-bank-of-pakistan","22":"tag-zarkheze","23":"cat-15016-id"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Zarkheze launched for small farmers - Zameen News<\/title>\n<meta name=\"description\" content=\"The Zarkheze application is now available on the Google Play Store, and farmers can also visit their nearest bank branch for assistance...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.zameen.com\/news\/zarkheze-launched-for-small-farmers.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Zarkheze launched for small farmers - Zameen News\" \/>\n<meta property=\"og:description\" content=\"The Zarkheze application is now available on the Google Play Store, and farmers can also visit their nearest bank branch for assistance...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.zameen.com\/news\/zarkheze-launched-for-small-farmers.html\" \/>\n<meta property=\"og:site_name\" content=\"Pakistan Real Estate News &amp; 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