Pakistan’s horticultural produce including fruit,
vegetables, flowers and ornamental plants have great demand
in both domestic and export markets. The government is
taking several initiatives for the development of horticulture
sector and its value chain. Therefore, keeping in view
the increasing credit demand for this sector, SBP in consultation
with stakeholders has developed the attached “Guidelines
on Horticulture Financing” to facilitate banks in
developing specific products to increase the flow of credit
to the horticulture.
The Guidelines provide details about horticulture including
financing to fruit, vegetables, flower & ornamental
plants production. It also provides eligibility criteria
for borrowers, types of financing, collateral requirements,
fixation of loan limit, repayment terms, loan monitoring
mechanism, etc. Banks may adopt the guidelines in the
present form or with some adjustments to suit their organizational
& operational needs and market characteristics, subject
to compliance with SBP’s regulations for agriculture
financing.
Please acknowledge receipt.