The Asaan Digital Zarai Qarza 2025 initiative introduced by the State Bank of Pakistan (SBP) brings a groundbreaking change in how small farmers access agricultural loans. Under the Zarkhez-e program, this scheme offers fully digital, collateral-free, and fast loan processing for farmers across Pakistan.
With this system, farmers no longer need to visit bank branches or deal with paperwork. Everything—from application to approval—can be completed online through a mobile app or web portal.
What Is Asaan Digital Zarai Qarza 2025?
This scheme is part of SBP’s digital transformation plan focused on financial inclusion. Asaan Digital Zarai Qarza 2025 enables farmers to apply for short-term agricultural financing without providing collateral, making farm inputs more affordable and accessible.
Farmers can use the loan for:
- Purchasing certified seeds
- Buying fertilizers and pesticides
- Managing diesel and machinery costs
- Covering essential crop production expenses
Purpose of the Asaan Digital Zarai Qarza 2025 Program
The scheme addresses the long-standing challenges faced by small farmers in Pakistan. Many struggle to secure bank loans due to lack of collateral and heavy documentation requirements.
SBP aims to solve these problems by ensuring:
Digital Accessibility
Farmers can apply through smartphones or facilitation centers.
Fast & Secure Verification
The system verifies identity using NADRA and mobile SIM records.
Transparent Loan Approvals
All partner banks follow SBP’s digital and standardized approval process.
This makes agriculture financing easier, faster, and more transparent.
Key Features of the Asaan Digital Zarai Qarza 2025
| Feature | Details |
|---|---|
| Scheme Name | Zarkhez-e (Asaan Digital Zarai Qarza) |
| Introduced By | State Bank of Pakistan (SBP) |
| Official Program Name | National Subsistence Farmers Support Initiative (NSFSI) |
| Loan Type | Digital, collateral-free agriculture financing |
| Eligibility | Farmers owning/cultivating up to 12.5 acres |
| Application Mode | Online portal + Mobile application |
| Purpose | Seasonal crop input financing |
| Introduced | 2025 |
How to Apply Online for Asaan Digital Zarai Qarza 2025
Visit the Digital Portal
Go to SBP’s official Digital Agriculture Loan Portal (link will be released soon).
Create an Account
Register using:
- CNIC
- Mobile number
- Basic farming information
Add Farm Details
Enter:
- Land size
- Crop type
- Loan amount required
Upload Required Documents
Such as:
- CNIC
- SIM verification
- Land ownership or tenancy proof
Digital Verification
The portal verifies details via NADRA and mobile records automatically.
Loan Approval
Partner banks review and approve the loan digitally.
Disbursement
Funds are transferred directly to:
- Mobile wallet
- Bank account
Who Can Apply for Asaan Digital Zarai Qarza 2025?
This scheme is designed for:
Subsistence Farmers
Those owning up to 12.5 acres.
Tenant Farmers
Applicants with valid tenancy documents.
CNIC Holders
Farmers must have:
- NADRA CNIC
- SIM registered to their name
Seasonal Crop Growers
Those needing financing for each harvest cycle.
Partner Banks Supporting the Scheme
Expected partner institutions include:
- National Bank of Pakistan (NBP)
- Habib Bank Limited (HBL)
- Bank of Punjab (BOP)
- Zarai Taraqiati Bank Limited (ZTBL)
- Mobilink Microfinance Bank
- Digital & fintech banks
These institutions will manage verification, approval, and disbursement processes digitally.
Why Asaan Digital Zarai Qarza 2025 Matters for Farmers
The scheme is a major financial breakthrough, especially for small-scale farmers who rely on informal lenders due to lack of access to formal credit.
Benefits Include:
Collateral-Free Loans
No land or property mortgage required.
Quick Digital Processing
Loan applications get verified in hours instead of weeks.
Financial Inclusion
Unbanked farmers get access to formal credit.
Low or Subsidized Interest
SBP may offer subsidized mark-up under the Zarkhez-e program.
Less Dependency on Loan Sharks
Reduces exploitation by informal moneylenders.
Promotes Digital Banking
Farmers learn to use mobile wallets and digital financial systems.
Loan Limits and Repayment Terms
Expected Loan Range
- Rs. 150,000 to Rs. 500,000
Repayment Duration
- 3 to 6 months (crop cycle-based)
Interest Rates
- Expected low or subsidized
- Final rate determined by partner banks under SBP guidelines
These terms make the scheme ideal for seasonal farming needs.
Future Expansion of the Zarkhez-e Program
SBP plans to extend the scheme to include:
Livestock Loans
For cattle, dairy, and poultry farming.
Equipment Financing
Loans for:
- Tractors
- Harvesters
- Solar tube wells
Climate-Smart Farming
Loans for:
- Drip irrigation
- Water-efficient technologies
Sustainable Farming Investments
Renewable energy and eco-friendly agriculture solutions.
Frequently Asked Questions
What is Asaan Digital Zarai Qarza 2025?
A digital, collateral-free loan scheme for small and subsistence farmers introduced by SBP.
Who is eligible?
Farmers owning or cultivating up to 12.5 acres.
How to apply?
Through the upcoming SBP Digital Agriculture Loan Portal or mobile app.
Is collateral required?
No, the scheme is fully collateral-free.
What does the loan cover?
Seeds, fertilizers, pesticides, diesel, and all essential crop input expenses.
Conclusion
The Asaan Digital Zarai Qarza 2025 scheme is a milestone in Pakistan’s agricultural transformation. By removing collateral requirements and simplifying the loan application process, SBP has enabled millions of farmers to access affordable financing.
Farmers should keep their CNIC, SIM, and basic land documents ready to apply once the digital portal goes live. This scheme promises a more secure, transparent, and accessible financial future for Pakistan’s agricultural community.
