The Zarkhez-e farmer loan program has been introduced to provide up to PKR 1 million in digital agricultural financing to farmers across Pakistan. Through this initiative, eligible farmers can apply online for financial support to purchase essential farming inputs without visiting banks or dealing with agents.
Launched with the support of the Government of Pakistan, the Zarkhez-e portal aims to make farm financing simple, transparent, and accessible for growers in both rural and semi-urban areas.
What Is the Zarkhez-e Farmer Loan Program?
Zarkhez-e is a government-backed digital agriculture financing platform designed to help farmers manage seasonal farming expenses. Instead of cash withdrawals, the loan amount is used to purchase approved agricultural inputs from verified suppliers.
The program focuses on:
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Timely financial support
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Digital processing
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Reduced dependency on informal lenders
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Transparent verification
Farmers can apply through the mobile app or the official online portal from home.
Purpose of the Zarkhez-e Loan Scheme
Many farmers delay sowing or reduce crop quality due to lack of funds at the right time. The Zarkhez-e program has been designed to solve this issue by ensuring season-ready financing.
Key objectives include:
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Supporting timely crop production
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Reducing reliance on middlemen
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Improving agricultural productivity
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Bringing farmers into the formal banking system
The scheme supports farmers across Punjab, Sindh, Khyber Pakhtunkhwa, and Balochistan.
What Can the Zarkhez-e Loan Be Used For?
The loan amount can only be used for verified agricultural purchases, including:
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Certified seeds
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Fertilizers
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Pesticides
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Diesel for tractors and machinery
All purchases are made through approved vendors, ensuring quality control and proper use of funds.
Key Features of Zarkhez-e Farmer Loan
Some important features of the scheme include:
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Loan amount up to PKR 1,000,000
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Strictly for agricultural purposes
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Fully digital application process
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No physical bank visits required
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Purchases from verified suppliers only
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Transparent approval and monitoring system
Who Can Apply for the Zarkhez-e Loan?
Farmers who meet the following conditions can apply:
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Valid CNIC
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CNIC-registered mobile SIM
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Proof of land ownership or farming activity
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Active involvement in agriculture
Final approval depends on eligibility review and bank verification.
Two Ways to Apply for Zarkhez-e Loan
Farmers can apply using either of the following methods:
Apply via Zarkhez-e Mobile App
The mobile app is designed for ease of use.
Steps:
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Create an account using CNIC and mobile number
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Set and confirm a password
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Verify account through OTP
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Enter land and farm details
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Upload required documents
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Submit the application
After submission, the application moves to verification.
Apply via Official Online Portal
Farmers can also apply through the official portal managed by Punjab Information Technology Board:
Steps:
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Click on Sign Up
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Enter CNIC, date of birth, and contact details
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Upload CNIC (front and back) and profile photo
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Review information and submit the form
Required Documents for Zarkhez-e Loan
Applicants should keep the following documents ready:
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CNIC (front and back)
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Land ownership or tenancy documents
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Proof of farming activity (if required)
Clear and accurate documents help speed up processing.
Important Things Farmers Must Know
Before applying, farmers should note:
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SIM must be registered on applicant’s CNIC
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Incorrect or false information leads to rejection
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Application submission does not guarantee approval
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Final approval is granted by partner banks
Avoid applying multiple times with different details.
Benefits of Zarkhez-e Loan for Farmers
The program offers multiple long-term benefits:
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Freedom from informal lenders
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Timely access to farming inputs
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Better crop planning
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Reduced financial stress
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Transparent and digital process
For many farmers, this loan provides stability during critical farming seasons.
Why Zarkhez-e Matters for Pakistan’s Agriculture
Agriculture remains a backbone of Pakistan’s economy. By offering easy and timely financing, the Zarkhez-e portal helps strengthen food security, improve farmer confidence, and promote sustainable agricultural growth.
This initiative reflects the government’s move toward technology-driven farmer support.
Final Words
The Zarkhez-e PKR 1 million loan for farmers is a practical solution for growers who need timely financial support without complex procedures. Farmers with valid documents and CNIC-registered mobile numbers should consider applying through official channels only.
Providing correct information and applying early can improve chances of smooth processing.
Disclaimer
physiotherapy.org.pk is an independent informational website.
We are not affiliated with or officially connected to any government department, bank, or financial institution. This article is published for general awareness only. For official details, always refer to verified government portals.
