Zarkhez-E Agricultural Credit Scheme Overview
Zarkhez-E is a new agricultural credit initiative launched by the federal government to support small farmers. The scheme focuses on farmers who were unable to access formal loans in the past. Nearly 93% of smallholders fall into this category and now have a financing option designed for their needs.
The Ministry of Finance explains that Zarkhez-E removes traditional barriers. The scheme uses digital systems instead of lengthy paperwork. It aims to build a fair and inclusive agricultural credit structure across Pakistan.
- Targets excluded small farmers
- Uses digital loan assessment
- Supports inclusive rural growth
Why Zarkhez-E Is Important for Small Farmers
Pakistan’s agricultural loans were mostly taken by large farmers. Only a small portion of farmers received most of the funding. Zarkhez-E addresses this imbalance by shifting focus toward productivity instead of land size.
Small farmers often struggle with cash flow and seasonal expenses. This scheme gives them a chance to invest in crops, seeds, and inputs without pledging land as security.
- Focus on equity, not scale
- Encourages productivity growth
- Reduces financial exclusion
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Key Features of the Zarkhez-E Scheme
Zarkhez-E is a collateral-free loan program. Farmers are evaluated through digital agronomy tools, satellite data, and verified digital identities. This reduces delays and improves transparency.
The scheme is fully digitized through a mobile application. Farmers can apply online or get help from bank branches for onboarding.
- No collateral requirement
- Digital verification system
- Faster loan processing
Loan Limits and Eligibility
Loan amounts are set according to farming status. Tenant farmers and landowners have different limits to ensure fair access. These limits help manage risk while supporting productivity.
The scheme plans to include around 750,000 unbanked farmers. Over three years, it is expected to inject Rs. 300 billion into rural areas.
| Farmer Type | Maximum Loan Amount |
| Tenant Farmers | Rs. 500,000 |
| Landowners | Rs. 1,000,000 |
Regional Coverage and Fair Distribution
Zarkhez-E is designed for equal regional access. Farmers from less developed regions will receive the same support as those in major agricultural zones.
Areas included are Khyber Pakhtunkhwa, Balochistan, Gilgit-Baltistan, Azad Jammu and Kashmir, and underserved parts of Punjab and Sindh.
- Province-wide availability
- Focus on underserved regions
- Balanced rural development
Digital Access and Application Process
The Zarkhez app is available on the Google Play Store. It allows farmers to apply, verify identity, and track loan status digitally. This reduces dependency on manual processes.
Bank branches also provide support for farmers unfamiliar with digital tools. This hybrid approach ensures wide participation.
| Access Method | Purpose |
| Zarkhez Mobile App | Online application |
| Bank Branches | Digital onboarding help |
FAQs
What is Zarkhez-E?
Zarkhez-E is a digital, collateral-free agricultural loan scheme for small farmers.
Who can apply for Zarkhez-E loans?
Tenant farmers and landowning farmers who meet digital verification requirements can apply.
How much funding is planned under the scheme?
Around Rs. 300 billion is expected to be injected into the rural economy over three years.
Where can farmers apply for Zarkhez-E?
Farmers can apply through the Zarkhez app or visit nearby bank branches for assistance.
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