Agricultural Loans

Sindh Bank Agricultural Loans

Crop production credit, tractor financing, dairy and poultry working capital, and the Benazir Zarai Khushhali crop-input program — with real rates, limits, and eligibility.

• Crop Financing
• Dairy & Poultry
• Landlady-Eligible

Sindh Bank's agriculture credit policy centers on supporting small farmers with working capital and asset financing — covering crop production, forestry, horticulture, fish farming, dairy farming, poultry farming, and agriculture value-chain lending, along with export of agricultural goods and any other purpose SBP declares eligible. Rather than one generic "farm loan," the bank runs several distinct schemes, each suited to a different need.

Core Scheme

Benazir Revolving Credit

Tractor Financing

Up to 75% of price, 5 years

Zarai Khushhali Markup

6M KIBOR + 3.5% p.a.

Crop Risk Coverage

Crop Loan Insurance Scheme

Benazir Revolving Credit Scheme (BRCS)

Designed for the working capital needs of crop farming — sowing, producing, growing, harvesting, and marketing crops, vegetables, and fruits, including input costs. Credit is extended on a revolving basis, automatically renewed each year once SBP's clean-up conditions are met.

Two features worth knowing before applying: documentation is one-time for the full three years rather than annual paperwork, and markup is charged only on the amount actually utilized (outstanding debit balance), not the full sanctioned limit. A landlady can also access this facility by applying jointly with her husband or a blood relation — brother or father — as co-applicant.

Sindh Abadgar Tractor Scheme

Financing for small farmers to purchase a tractor for land development and cultivation.

Dairy Farming Loans

Sindh Bank splits dairy financing into two distinct products depending on whether the need is operating expenses or asset purchase:

Poultry Farming — Working Capital Loan

For running poultry farms, hatcheries, and feed mills — covering eggs/day-old chicks, feed and feed raw material, vaccination and medication, and overhead expenses like labor, utility bills, and transport.

Benazir Zarai Khushhali Program

A short-term production loan for crop inputs — seeds, pesticides, fertilizers — targeted at cultivators of rice, wheat, cotton, and sugarcane, run under SBP's General Refinance (GRFN) framework.

This program also has a built-in crop-sale mechanism: a bilateral agreement is executed between the applicant and the rice mill, cotton ginning factory, or sugar mill to buy back the crop, with payment to agri retailers/distributors made via pay order.

Before Applying

Eligibility and documentation differ meaningfully between these schemes, so the right one depends on what you actually need financed — working capital for an existing operation, an asset purchase like a tractor or dairy shed, or crop-input costs ahead of a specific harvest. Application fees follow the bank's official Schedule of Charges. For the Zarai Khushhali Program specifically, a clean eCIB record is mandatory and the debt-burden ratio is capped at 50%, so it's worth checking your credit standing before applying rather than after.

More on Sindh Bank

For independent verification, see State Bank of Pakistan, SECP, Sindh Bank Agricultural Loan.

Frequently Asked Questions

Compare Sindh Bank With

See how Sindh Bank's agricultural lending stacks up against other Pakistani banks with a strong rural/agri focus.

Last Verified: September 2, 2026