{"id":6895,"date":"2021-10-13T12:21:32","date_gmt":"2021-10-13T12:21:32","guid":{"rendered":"https:\/\/www.dibpak.com\/?page_id=6895"},"modified":"2026-04-06T16:39:08","modified_gmt":"2026-04-06T11:39:08","slug":"agri-finance","status":"publish","type":"page","link":"https:\/\/www.dibpak.com\/index.php\/agri-finance\/","title":{"rendered":"Agri Finance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]<\/p>\n<h2>Agriculture Financing<\/h2>\n<p>DIBPL\u2019s Agriculture Financing is an unprecedented and novel solution for a farmers and corporations to meet their needs for growing, improving and enhancing their Agri business. With a diverse portfolio of a strong 8 products is that it comprehensively covers the smallest financing need to the most complex one that any customer may have. The breadth of this portfolio is as broad as one can imagine enabling everyone to meet their needs expeditiously. DIBPL\u2019s Agri Finance is simple to apply for making it one of the easiest repayment products available within DIBPL.\u00a0 and repayment is easier as compared to other products. State Bank of Pakistan shelters the poorest of poor through Agri Financing schemes to propel the poor forward as well as safeguard the Agrarian culture of our beloved country, Pakistan.<\/p>\n<h2>Why Choose DIBPL?<\/h2>\n<ol>\n<li>Most attractive Takaful rates in the industry with complete coverage of loss<\/li>\n<li>Leanest pricing<\/li>\n<li>Quickest turnaround time<\/li>\n<li>Flexibility in product structures<\/li>\n<li>Thorough explanation of details of the financing cycle, documentation and process<\/li>\n<\/ol>\n<h2>DOCUMENTATION:<\/h2>\n<p><strong>Pre-Approval<\/strong><\/p>\n<ul>\n<li>Finance application form.<\/li>\n<li>Three Photos.<\/li>\n<li>CNIC of customer<\/li>\n<li>CNIC of 2 Guarantors\/ References<\/li>\n<li>Copy of Agri. Pass Book.<\/li>\n<li>Genuineness certificate of APB.<\/li>\n<li>Updated Zarie Pass Book and\/ or other property documents relating title etc<\/li>\n<li>Khasra Gardawri\/ Field book\/ DAH form VII \/ Land Revenue tax receipt (For farm credit\u00a0\u00a0\u00a0\u00a0 only)<\/li>\n<li>3 years ASV (Average Sales value) from revenue office \/ FSV through the Bank\u2019s approved evaluators<\/li>\n<li>Feasibility report in case of project finance<\/li>\n<\/ul>\n<h2>DUBAI ISLAMIC BANK\u2019S AGRI FAQs<\/h2>\n<p><strong>Agri Finance made easy for everyone.<\/strong>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_toggle title=&#8221;WHAT ARE STANDARD FEATURES OF DIBPL\u2019S AGRI PRODUCTS?&#8221; style=&#8221;simple&#8221;]<strong>TENORS:<\/strong><\/p>\n<ul>\n<li>SHORT TERM-1 YEAR<\/li>\n<li>MEDIUM-TERM: 2-3 YEARS<\/li>\n<li>LONG-TERM: 4-10 YEARS<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>SECURITY:<\/strong><\/p>\n<ul>\n<li>PASSBOOK-20% margin<\/li>\n<li>PGs of owner(s)\/directors<\/li>\n<li>Mortgage of rural property (50% margin)<\/li>\n<li>Liquid Securities-Lien marking on bank account deposit\/other deposit<\/li>\n<li>Other Security-DIBPL\u2019S CERTIFICATES OF INVESTMENT\/ Hypothecation<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>BORROWER TYPE and ELIGIBILITY CRITERIA:<\/strong><\/p>\n<ul>\n<li>INDIVIDUAL\/PROGRESSIVE FARMER (18-65 YEARS OLD)<\/li>\n<li>CORPORATION<\/li>\n<li>PAKISTANI NATIONAL<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>TERMS AND CONDITIONS:<\/strong><\/p>\n<ul>\n<li>The applicant shall be a genuine farmer\/ engaged in farm and non-farm activities<\/li>\n<li>The applicant\u2019s name shall appear in the revenue records (In case of farm credit only)<\/li>\n<li>The applicant shall not be a defaulter of the banking system<\/li>\n<li>The applicant shall be able to produce proper securities \/ sureties<\/li>\n<li>The applicant (individual and \/or business entity) shall be a Pakistani\/registered in Pakistan<\/li>\n<\/ul>\n<p>[\/vc_toggle][vc_toggle title=&#8221;WHAT ARE THE QUICK PROCESSING DOCUMENTS REQUIRED?&#8221; style=&#8221;simple&#8221;]<strong>Pre-Approval<\/strong><\/p>\n<ul>\n<li>Finance application form.<\/li>\n<li>Three Photos.<\/li>\n<li>CNIC of customer<\/li>\n<li>CNIC of 2 Guarantors\/ References<\/li>\n<li>Copy of Agri. Pass Book.<\/li>\n<li>Genuineness certificate of APB.<\/li>\n<li>Updated Zarie Pass Book and\/ or other property documents relating title etc<\/li>\n<li>Khasra Gardawri\/ Field book\/ DAH form VII \/ Land Revenue tax receipt (For farm credit only)<\/li>\n<li>3 years ASV (Average Sales value) from revenue office \/ FSV through the Bank\u2019s approved evaluators<\/li>\n<li>Feasibility report in case of project finance<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>AGRICULTURE CREDIT DEPARTMENT-ALIZEH TARIQ 2<\/strong><\/p>\n<ul>\n<li>Form VII-B of land<\/li>\n<li>ECIB of customer<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>Post- Approval<\/strong><\/p>\n<ul>\n<li>Facility Accepting Letter.<\/li>\n<li>IB-7 cum set of Shariah agreement.<\/li>\n<li>Charge Creation Certificate with copy of Form-VII.<\/li>\n<li>Mortgage deed of urban and rural property &amp; other collaterals.<\/li>\n<li>Scanned copy of form VII-B (computerized) by BOR after 30 days of finance disbursement.<\/li>\n<\/ul>\n<p>[\/vc_toggle][vc_toggle title=&#8221;WHAT IS THE PAYMENT FREQUENCY FOR OUR PRODUCTS?&#8221; style=&#8221;simple&#8221;]<\/p>\n<ul>\n<li>MONTHLY<\/li>\n<li>QUARTERLY<\/li>\n<li>HALF-YEARLY<\/li>\n<li>YEARLY<\/li>\n<\/ul>\n<p>[\/vc_toggle][vc_toggle title=&#8221;WHAT ARE SOME OF THE BROAD TYPES OF FINANCING CRITERIA USED BY DIB&#8217;S AGRI DIVISION CRITERIA FEATURES OF AGRI FINANCE?&#8221; style=&#8221;simple&#8221;]<strong>Sector<\/strong><\/p>\n<ul>\n<li>Farm Sector (Crops, Orchard and Vegetables)<\/li>\n<li>Non-Farm Sector ( Live Stock- Poultry, Fisheries, Dairy)<\/li>\n<\/ul>\n<p>[\/vc_toggle][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n<h2><strong> WHAT IS THE PAYMENT FREQUENCY FOR OUR PRODUCTS? <\/strong><\/h2>\n<ul>\n<li>MONTHLY<\/li>\n<li>QUARTERLY<\/li>\n<li>HALF-YEARLY<\/li>\n<li>YEARLY<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2><strong>What are some of the broad types of financing criteria used by DIB\u2019s Agri Division<\/strong><\/h2>\n<table width=\"699\">\n<tbody>\n<tr>\n<td width=\"145\"><strong>CRITERIA <\/strong><\/td>\n<td width=\"554\"><strong>Features OF AGRI FINANCE<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"145\">Sector<\/td>\n<td width=\"554\">\u2022 Farm Sector (Crops, Orchard and Vegetables)<\/p>\n<p>\u2022 Non-Farm Sector ( Live Stock- Poultry, Fisheries, Dairy)<\/td>\n<\/tr>\n<tr>\n<td width=\"145\">Purpose<\/td>\n<td width=\"554\">\u2022 Production<\/p>\n<p>o Working capital-short term finance<\/p>\n<p>\u2022 Development<\/td>\n<\/tr>\n<tr>\n<td width=\"145\">Term<\/td>\n<td width=\"554\">\u2022 Short term (up to one year)<\/p>\n<p>\u2022 Medium term (up to 3 years)-Term financing<\/p>\n<p>\u2022 Long term (up to Ten years)-Term Financing<\/p>\n<p>\u2022 Seasonal financing<\/td>\n<\/tr>\n<tr>\n<td width=\"145\">Sources of funding<\/td>\n<td width=\"554\">\u2022 Informal\/non-institutional financing- eg. To commission agents, private\u00a0 money lenders, land lords, relatives, friends, suppliers of inputs and equipment,\u00a0 etc.<\/p>\n<p>\u2022 Formal\/Institutional lending- Governmental\/public sector agencies, NGOs,\u00a0 Microfinance\/Specialised institutions-commercial banks.<\/td>\n<\/tr>\n<tr>\n<td width=\"145\">Nature<\/td>\n<td width=\"554\">\u2022 Funded (term loans, running finance\/revolving credit, etc)<\/p>\n<p>\u2022 Non-funded (LC, LG, SBLC, etc.)<\/td>\n<\/tr>\n<tr>\n<td width=\"145\">Security<\/td>\n<td width=\"554\">\u2022 Clean\/unsecured financing<\/p>\n<p>\u2022 Secured financing<\/td>\n<\/tr>\n<tr>\n<td width=\"145\">Disbursement<\/td>\n<td width=\"554\">\u2022 Cash<\/p>\n<p>\u2022 Kind<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<table width=\"699\">\n<tbody>\n<tr>\n<td width=\"145\">Customer<\/td>\n<td width=\"554\">\u2022 Corporate financing<\/p>\n<p>\u2022 Non-corporate financing (to individuals\/FARMERS)<\/td>\n<\/tr>\n<tr>\n<td width=\"145\">Types of Borrowers<\/td>\n<td width=\"554\">\u2022 Farmers<\/p>\n<p>\u2022 Individuals<\/p>\n<p>\u2022 Fishermen<\/p>\n<p>\u2022 Fish farmers<\/p>\n<p>\u2022 Corporate firms, partnerships and individuals<\/p>\n<p>\u2022 Cooperative societies\/self-help groups<\/p>\n<p>\u2022 Fish catching\/ processing \/packing companies<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text css=&#8221;&#8221;]<\/p>\n<h2>Agricultural Finance Designated Branches<\/h2>\n\n\n\t<div class=\" download_link \">\n\t<a href=\"https:\/\/www.dibpak.com\/wp-content\/uploads\/2024\/05\/DIB-Agriculture-Financing-Designated-Branches-v1.pdf\" class=\"vc_row wpb_row vc_row-fluid\" >\n      <div class=\"d-reports-box \">\n            <div class=\"col-md-9 pl-0 pr-0 float-left\">\n                <h6 class=\"mb-0\"><\/h6>\n               <h5 class=\"mt-0\">PDF Download<\/h5>\n            <\/div>\n            <div class=\"col-md-3  pl-0 pr-0 float-left text-right\"><img decoding=\"async\" src=\"https:\/\/www.dibpak.com\/wp-content\/themes\/dib\/assets\/images\/report-img.png\" class=\"mt-2 mr-2\"><\/div>\n        <\/div>\n\t\t<\/a>\n\t\t<\/div>\n\t\n<h2>Crop<\/h2>\n\n\n\t<div class=\" download_link \">\n\t<a href=\"https:\/\/www.dibpak.com\/wp-content\/uploads\/2021\/10\/Crop-Flyer.pdf\" class=\"vc_row wpb_row vc_row-fluid\" >\n      <div class=\"d-reports-box \">\n            <div class=\"col-md-9 pl-0 pr-0 float-left\">\n                <h6 class=\"mb-0\"><\/h6>\n               <h5 class=\"mt-0\">PDF Download<\/h5>\n            <\/div>\n            <div class=\"col-md-3  pl-0 pr-0 float-left text-right\"><img decoding=\"async\" src=\"https:\/\/www.dibpak.com\/wp-content\/themes\/dib\/assets\/images\/report-img.png\" class=\"mt-2 mr-2\"><\/div>\n        <\/div>\n\t\t<\/a>\n\t\t<\/div>\n\t\n\n\n\t<div class=\" download_link \">\n\t<a href=\"https:\/\/www.dibpak.com\/wp-content\/uploads\/2021\/10\/Crop-Production-Flyer.pdf\" class=\"vc_row wpb_row vc_row-fluid\" >\n      <div class=\"d-reports-box \">\n            <div class=\"col-md-9 pl-0 pr-0 float-left\">\n                <h6 class=\"mb-0\"><\/h6>\n               <h5 class=\"mt-0\">PDF Download<\/h5>\n            <\/div>\n            <div class=\"col-md-3  pl-0 pr-0 float-left text-right\"><img decoding=\"async\" src=\"https:\/\/www.dibpak.com\/wp-content\/themes\/dib\/assets\/images\/report-img.png\" class=\"mt-2 mr-2\"><\/div>\n        <\/div>\n\t\t<\/a>\n\t\t<\/div>\n\t\n<h2>Livestock<\/h2>\n\n\n\t<div class=\" download_link \">\n\t<a href=\"https:\/\/www.dibpak.com\/wp-content\/uploads\/2021\/10\/Live-Stock-Flyer-2.pdf\" class=\"vc_row wpb_row vc_row-fluid\" >\n      <div class=\"d-reports-box \">\n            <div class=\"col-md-9 pl-0 pr-0 float-left\">\n                <h6 class=\"mb-0\"><\/h6>\n               <h5 class=\"mt-0\">PDF Download<\/h5>\n            <\/div>\n            <div class=\"col-md-3  pl-0 pr-0 float-left text-right\"><img decoding=\"async\" src=\"https:\/\/www.dibpak.com\/wp-content\/themes\/dib\/assets\/images\/report-img.png\" class=\"mt-2 mr-2\"><\/div>\n        <\/div>\n\t\t<\/a>\n\t\t<\/div>\n\t\n\n\n\t<div class=\" download_link \">\n\t<a href=\"https:\/\/www.dibpak.com\/wp-content\/uploads\/2021\/10\/Live-Stock-Flyer.pdf\" class=\"vc_row wpb_row vc_row-fluid\" >\n      <div class=\"d-reports-box \">\n            <div class=\"col-md-9 pl-0 pr-0 float-left\">\n                <h6 class=\"mb-0\"><\/h6>\n               <h5 class=\"mt-0\">PDF Download<\/h5>\n            <\/div>\n            <div class=\"col-md-3  pl-0 pr-0 float-left text-right\"><img decoding=\"async\" src=\"https:\/\/www.dibpak.com\/wp-content\/themes\/dib\/assets\/images\/report-img.png\" class=\"mt-2 mr-2\"><\/div>\n        <\/div>\n\t\t<\/a>\n\t\t<\/div>\n\t\n<h2>Grower\/Value Chain<\/h2>\n\n\n\t<div class=\" download_link \">\n\t<a href=\"https:\/\/www.dibpak.com\/wp-content\/uploads\/2021\/10\/Grower-Flyer.pdf\" class=\"vc_row wpb_row vc_row-fluid\" >\n      <div class=\"d-reports-box \">\n            <div class=\"col-md-9 pl-0 pr-0 float-left\">\n                <h6 class=\"mb-0\"><\/h6>\n               <h5 class=\"mt-0\">PDF Download<\/h5>\n            <\/div>\n            <div class=\"col-md-3  pl-0 pr-0 float-left text-right\"><img decoding=\"async\" src=\"https:\/\/www.dibpak.com\/wp-content\/themes\/dib\/assets\/images\/report-img.png\" class=\"mt-2 mr-2\"><\/div>\n        <\/div>\n\t\t<\/a>\n\t\t<\/div>\n\t\n<h2>Tractor<\/h2>\n\n\n\t<div class=\" download_link \">\n\t<a href=\"https:\/\/www.dibpak.com\/wp-content\/uploads\/2021\/10\/Tractor-Machinery-Flyer.pdf\" class=\"vc_row wpb_row vc_row-fluid\" >\n      <div class=\"d-reports-box \">\n            <div class=\"col-md-9 pl-0 pr-0 float-left\">\n                <h6 class=\"mb-0\"><\/h6>\n               <h5 class=\"mt-0\">PDF Download<\/h5>\n            <\/div>\n            <div class=\"col-md-3  pl-0 pr-0 float-left text-right\"><img decoding=\"async\" src=\"https:\/\/www.dibpak.com\/wp-content\/themes\/dib\/assets\/images\/report-img.png\" class=\"mt-2 mr-2\"><\/div>\n        <\/div>\n\t\t<\/a>\n\t\t<\/div>\n\t\n<h2>Land<\/h2>\n\n\n\t<div class=\" download_link \">\n\t<a href=\"https:\/\/www.dibpak.com\/wp-content\/uploads\/2021\/10\/Land-Development-Flyer.pdf\" class=\"vc_row wpb_row vc_row-fluid\" >\n      <div class=\"d-reports-box \">\n            <div class=\"col-md-9 pl-0 pr-0 float-left\">\n                <h6 class=\"mb-0\"><\/h6>\n               <h5 class=\"mt-0\">PDF Download<\/h5>\n            <\/div>\n            <div class=\"col-md-3  pl-0 pr-0 float-left text-right\"><img decoding=\"async\" src=\"https:\/\/www.dibpak.com\/wp-content\/themes\/dib\/assets\/images\/report-img.png\" class=\"mt-2 mr-2\"><\/div>\n        <\/div>\n\t\t<\/a>\n\t\t<\/div>\n\t\n<h2>Godown\/Cold Storage<\/h2>\n\n\n\t<div class=\" download_link \">\n\t<a href=\"https:\/\/www.dibpak.com\/wp-content\/uploads\/2021\/10\/Godown-Cold-Storage-Flyer.pdf\" class=\"vc_row wpb_row vc_row-fluid\" >\n      <div class=\"d-reports-box \">\n            <div class=\"col-md-9 pl-0 pr-0 float-left\">\n                <h6 class=\"mb-0\"><\/h6>\n               <h5 class=\"mt-0\">PDF Download<\/h5>\n            <\/div>\n            <div class=\"col-md-3  pl-0 pr-0 float-left text-right\"><img decoding=\"async\" src=\"https:\/\/www.dibpak.com\/wp-content\/themes\/dib\/assets\/images\/report-img.png\" class=\"mt-2 mr-2\"><\/div>\n        <\/div>\n\t\t<\/a>\n\t\t<\/div>\n\t\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;] Agriculture Financing DIBPL\u2019s Agriculture Financing is an unprecedented and novel solution for a farmers and corporations to meet their needs for growing, improving and enhancing their Agri business. With a diverse portfolio of a strong 8 products is that it comprehensively covers the smallest financing need to the most complex one that any &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.dibpak.com\/index.php\/agri-finance\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Agri Finance&#8221;<\/span><\/a><\/p>\n","protected":false},"author":7,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/pages\/6895"}],"collection":[{"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/comments?post=6895"}],"version-history":[{"count":11,"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/pages\/6895\/revisions"}],"predecessor-version":[{"id":64139,"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/pages\/6895\/revisions\/64139"}],"wp:attachment":[{"href":"https:\/\/www.dibpak.com\/index.php\/wp-json\/wp\/v2\/media?parent=6895"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}