NBP Agriculture Finance
Kisan Dost and Kisan Taqat — NBP's farmer-financing schemes, part of a PKR 132.6 billion agriculture loan book.
- Kisan Dost
- Kisan Taqat
- PKR 132.6B Book
Agriculture isn't a side business for NBP the way it is for most private banks — the bank's founding mandate in 1949 was built around financing crop production, and that history still shows in the size of its farm lending book today. NBP runs its farmer-facing products under two names, Kisan Dost and Kisan Taqat, both confirmed directly from NBP's official Agriculture section.
NBP's Agriculture Book at a Glance
- Agriculture Loan Book (CY2025)
- PKR 132.6 billion
- Year-on-Year Growth
- 23.9%
- Founding Mandate
- Crop financing, 1949
- Landless Farmer Access
- Available
Loan book size and growth confirmed from NBP's Annual Report 2025. Scheme names and features confirmed directly from NBP's official Kisan Dost page (nbp.com.pk/KisanDost).
Kisan Dost
Kisan Dost is NBP's flagship agricultural financing scheme, and per NBP's own product page, it's built around a specific set of features: a competitive mark-up rate, quick and easy processing, and technical guidance provided to farmers at their doorstep rather than requiring a branch visit for advice. NBP offers a wide range of financing schemes under this umbrella, and — notably — a financing facility is also available for landless farmers, which addresses a segment many lenders skip entirely since there's no land title to secure the loan against.
- Financing available against Pass Book
- Financing against residential or commercial property
- Financing against gold ornaments
- Financing against paper security
- Special discounted rate for female borrowers on Agri Gold Loan
- Loan facility on a revolving basis for three years
Feature list confirmed directly from NBP's official Kisan Dost page. NBP has not published specific current mark-up rates, loan limits, or detailed eligibility criteria for Kisan Dost in text form on its site — confirm these directly with an NBP branch before applying.
Kisan Taqat
Kisan Taqat sits alongside Kisan Dost under NBP's Agriculture umbrella as a separate scheme, confirmed directly on NBP's official site. NBP has not published detailed features, rates, or eligibility criteria for Kisan Taqat in text form — its product pages, like several of NBP's other agriculture pages, present the core details as banner graphics rather than readable text. If you're specifically interested in Kisan Taqat, the most reliable path is contacting an NBP branch or the NBP Helpline directly for current agriculture finance terms, rather than relying on a third-party summary of what the scheme covers.
Why NBP's Agriculture Book Is Genuinely Different
Most of Pakistan's private banks treat agriculture as one lending category among many. NBP's own history runs the other way: the bank was originally set up to stabilize jute financing in what was then East Pakistan, and agricultural lending has stayed part of its self-described "national role" ever since. That's part of why NBP's PKR 132.6 billion agri book, growing 23.9% year-on-year as of CY2025, sits at the scale it does. It's also why NBP maintains branches in smaller agricultural districts that private banks often skip — a coverage pattern we cover in more detail on our branch locator page.
Honest context most bank comparison pages skip: ZTBL (Zarai Taraqiati Bank Limited), a specialized state-owned agricultural development bank, remains the dominant name in Pakistani agri lending by branch count and rural focus — it exists for nothing else. NBP isn't trying to out-specialize ZTBL; NBP's advantage is being a full-service commercial bank that also carries a serious agriculture book, so a farmer can access crop financing, a savings account, remittances, and digital banking from the same relationship instead of splitting banking needs across two institutions. HBL also offers a notable feature worth knowing about — the Kissan Card, a revolving credit line usable via QR-code payments directly at input stores — which NBP's Kisan Dost and Kisan Taqat don't currently replicate in the same digital-first form.
Who These Agriculture Finance Schemes Are Built For
- Farmers with land holdings looking for crop or input financing
- Landless farmers who can't offer land title as security
- Female agricultural borrowers eligible for the discounted Agri Gold Loan rate
- Farmers needing revolving, multi-year financing rather than a single-season loan
Confirm current agriculture finance terms
Rates and eligibility for Kisan Dost and Kisan Taqat are set by NBP and can change — confirm directly before applying.
Frequently Asked Questions
What is NBP Kisan Dost?
NBP Kisan Dost is NBP's agricultural financing scheme offering competitive mark-up rates, technical guidance for farmers, and financing against Pass Book, property, gold, or paper security, including a facility for landless farmers — confirmed from NBP's official Kisan Dost page.
How big is NBP's agriculture loan book?
NBP's agriculture loan book stood at PKR 132.6 billion as of CY2025, up 23.9% year-on-year, making NBP one of Pakistan's largest agricultural lenders — confirmed from NBP's Annual Report 2025.
Is NBP or ZTBL better for agricultural financing?
ZTBL is a specialized state-owned agricultural bank with a dedicated rural focus and remains the dominant name in Pakistani agri lending. NBP's advantage is being a full-service commercial bank with a serious agriculture book, letting a farmer combine crop financing with everyday banking, remittances, and digital services in one relationship. The right choice depends on whether you need a pure agri specialist or broader banking alongside farm credit.
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For independent verification, see State Bank of Pakistan, Pakistan Stock Exchange, National Bank of Pakistan.