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Bank Alfalah Islamic Agri Financing

Agriculture is the backbone of Pakistan’s economy, contributing nearly a quarter of the GDP, generating 60% of exports, and employing around 40% of the labor force. At Bank Alfalah Islamic, we recognize the vital role of this sector and are committed to supporting farmers and agri-entrepreneurs with a comprehensive suite of Shari’ah-compliant financing solutions.

Our Islamic Agri Financing is designed to provide both short-term and long-term financing, aligned with the crop cycle and business needs of the agricultural community. Whether for production, working capital, farm development, or agri-based industries, we ensure financial empowerment rooted in Islamic principles.

 


Key Agri Financing Facilities:

  • Musalsal Zarie Sahulat: Short-term production finance and working capital solutions for immediate farming needs.

  • Tractor & Transport Zarie Sahulat: Financing for tractors, trolleys, pickups, trucks, vans, motorcycles, boats, and transport machinery.

  • Machinery & Equipment Zarie Sahulat: For modern farming equipment like harvesters, threshers, sowing drills, bio-gas units, and more.

  • Aabpaash Zarie Sahulat: Financing for irrigation systems including tube wells, turbines, pumps, sprinklers, and drip irrigation setups.

  • Islah-e-Araazi Zarie Sahulat: Land development solutions such as leveling, terracing, reclamation, embankments, and water reservoirs.

  • Poultry Zarie Sahulat: Working capital and investment financing for poultry farms, hatcheries, feed mills, storage, and processing.

  • Dairy & Livestock Zarie Sahulat: Financing for dairy animals, livestock farms, feedlots, chilling plants, cold storage, and veterinary setups.

  • Fisheries Zarie Sahulat (Inland): Support for fish farming including pond construction, feed, water systems, boats, and cold storage.

  • Silos/Storage Zarie Sahulat: Funding for cold storage, silos, bins, godowns, and storage infrastructure for agricultural produce.

  • Marketing Zarie Sahulat: Financing for marketing, packing, processing, and export of agri-produce including fruits, vegetables, meat, and cotton.

  • Agri Industrial Zarie Sahulat: Long-term financing for seed processing units, milk plants, cotton ginning factories, grading, and packaging facilities.

  • Bills / Guarantees Zarie Sahulat: Facility against agri-produce receipts, bills, vouchers, and guarantees.

 


Eligibility Criteria:

  • Age between 18 – 65 years (up to 70 years at final adjustment; exceptions till 80 years with guarantors).

  • Must be a genuine farmer or engaged in farm/non-farm agri activities.

  • Name should appear in revenue records (for farm credit).

  • No record of default in the banking system.

  • Must provide valid securities/sureties.

  • Applicant must be a Pakistani citizen/entity registered in Pakistan.

 


Required Documents:

  • Copy of CNIC & two photographs.

  • Updated Zarie Pass Book or other property title documents.

  • Khasra Gardawri / DAH Form VII / Land revenue tax receipt (farm credit).

  • Three years’ ASV (Average Sales Value) / FSV report.

  • Feasibility report (for project finance).

  • Other documents as required.

 


Why Choose Bank Alfalah Islamic Agri Financing?

  • Wide range of Shari’ah-compliant financing schemes.

  • Tailored solutions aligned with crop and business cycles.

  • Support for both farm and non-farm agri activities.

  • Dedicated to empowering Pakistan’s agricultural economy.

At Bank Alfalah Islamic, we believe in cultivating prosperity by strengthening the roots of Pakistan’s economy — its farmers. With our Agri Financing solutions, you can grow your land, expand your business, and secure a sustainable future, all within the principles of Shari’ah.

 

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