Zarkhez-e Scheme 2026 Apply Online Registration is start now in Pakistan. The Zarkhez-e Asaan Digital Qarza Program 2026 is a transformative initiative launched by the Government of Pakistan under the leadership of Prime Minister Shehbaz Sharif, aiming to provide collateral-free financing to small farmers across the country. This Zarkhez-e Asaan Qarza 2026 leverages tech-enabled, end-to-end digital processes to ensure seamless access to quality agricultural inputs and support rural development.
Through this initiative, farmers can access loans via structured digital channels (Portal/Mobile App) to purchase seeds, fertilizers, pesticides, and diesel from reputable merchants, preventing misuse of funds and improving productivity.
Zarkhez e Scheme Loan 2026 Zarkhez Qarza Registration Portal Apply Online
Zarkhez-e focuses on improving the livelihoods of small-scale farmers by providing short-term production financing that is fully Shariah-compliant.
Zarkhez Qarza 2026 Apply via Portal
It allows farmers to enhance crop yields, access modern agricultural inputs, and ensure financial security with life and crop insurance coverage. The program also integrates Agri-Advisory Services (AAS) and facilitates the sale of produce, contributing to rural economic uplift.
Zarkhez e Digital Loan 2026 Apply Online
- Collateral-Free Loans: No physical collateral required for eligible farmers.
- Digital End-to-End Process: Applications, approvals, and fund disbursements are fully online.
- Shariah-Compliant Financing: Loan structures adhere to Islamic finance principles.
- Targeted Crop Input Usage: Funds can only be used for seeds, fertilizers, pesticides, and diesel.
- Insurance Coverage: Life insurance and mandatory crop insurance for five major crops.
- Agri-Advisory Services (AAS): Farmers receive technical guidance through certified service providers like LIMS.
- Facilitation in Crop Sale: Farmers can sell produce through accredited warehouses or via Salam/Parallel Salam arrangements.
- Risk Coverage: 10% credit loss guarantee under GOP-supported Risk Coverage Scheme for Small Farmers.
- One Application per Farmer: Ensures fair access and prevents multiple submissions.
مزید معلومات کے لیے یا مفت آن لائن درخواست دینے کے لیے ہمارے واٹس ایپ چینل میں شامل ہوں۔ لنک پر کلک کریں اور چینل جوائن کریں
Eligibility Criteria Zarkhez E Scheme Loan 2026
Farmers must meet the following requirements to apply for Zarkhez-e 2026:
- Land Ownership Limits:
- Punjab & KPK: Up to 12.5 acres
- Sindh: Up to 16 acres
- Balochistan: Up to 32 acres
- Residency: Must be a Pakistani citizen
- Age: Between 21–60 years
- CNIC: Valid CNIC registered with NADRA
- Mobile Number: SIM registered in the name of the borrowing farmer
Zarkhez E Scheme Financing Details
| Type of Farmer | Loan per Acre | Maximum Loan | Cash Out Limit |
|---|---|---|---|
| Landowners | PKR 100,000 | PKR 1,000,000 | 25% |
| Tenants | PKR 100,000 | PKR 500,000 | 15% |
Tenor: Up to 12 months
Pricing: Competitive market rates considering small farmers’ affordability
Repayment: Principal + Markup/profit at the end of tenor; early repayment allowed with no penalty
Zarkhez Qarza Registration 2026
Zarkhez Scheme Application Process
- Visit the Zarkhez-e Portal
- Create an account or login online
- Fill out the Loan Application Form (LAF) and digital terms & conditions
- Submit CNIC, land, and personal details
- Banks/MFBs will verify details and approve loans digitally
- Disbursal is made to wallet/CASA/Asaan Accounts accessible via mobile apps
- Spending is restricted to approved merchants for agricultural purposes
Processing Fee: Rs. 1,200 (covers NADRA, PMD, LIMS verification)
Zarkhez Scheme 2026 Evaluation & Approval Criteria
Banks and financial institutions (FIs) will evaluate applications based on:
- NADRA Verisys & PMD verification
- Sanctions list and NACTA checks
- ECIB/private credit bureau assessment
- Acceptable DBR ratio
- Online psychometric and credit risk assessment (optional)
- On-site verification of farmer identity and land ownership
PM Zarkhez Scheme 2026 Insurance & Risk Coverage
Life Insurance
- All farmers are covered for loan amount in case of death
- Loan recovery managed through insurance claim
Crop Insurance
- Mandatory under the Crop Loan Insurance Scheme (CLIS)
- Takaful arranged for Islamic financing mode
Risk Coverage
- 10% credit loss guarantee under GOP-supported Risk Coverage Scheme for Small Farmers and Underserved Areas
Zarkhez E Scheme 2026 Online Registration
- Agri-Advisory Services: Expert advice on crop management and farming techniques
- Facilitation in Crop Sale: Farmers can sell or store produce in approved warehouses
- Digital Access: Fully integrated mobile and portal services for loan management
- Monitoring & Reporting: SBP collects progress reports from banks/MFBs
Farmers can track application status, receive notifications, and manage funds securely through the portal.
Zarkhez Loan 2026 Last Date
The Zarkhez-e Asaan Digital Loan Program 2026 is a landmark initiative to empower small farmers, enhance crop productivity, and promote rural economic development in Pakistan. By providing collateral-free loans, insurance, advisory services, and digital access, the program ensures that farmers can thrive sustainably, improve yields, and strengthen the agricultural sector.
This program represents a modern, tech-driven, and farmer-friendly approach in line with Pakistan’s agricultural and rural uplift objectives.
