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| Incentive Schemes for SMEs & Other Sectors |
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| Risk Coverage Scheme for Small Farmers and Underserved Areas |
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To promote financing for small and marginalized farmers, particularly in unserved and underserved areas, the Government of Pakistan, on the recommendation of the SBP, has approved a Risk Coverage Scheme for Small Farmers and Underserved Areas. |
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All production loans for crops and loans for dairy & livestock and fisheries provided during 01-Jul-25 to 30-Jun-28 are eligible under the scheme. |
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All Commercial Banks, Islamic Banks, Specialized Banks, and Microfinance Banks (MFBs) are eligible to participate. |
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Eligible farmers include subsistence and small farmers in Punjab and Sindh, and farmers of all landholding sizes in KP, Balochistan, AJK, and GB. |
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The maximum loan size under the scheme is Rs3.0 million for the tenor of up to 12 months, extendable to 18 months for sugarcane. |
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The Government provides 10% first-loss risk coverage on the principal amount of loans extended to new borrowers and on the incremental outstanding portfolio of existing borrowers. To incentivize outreach, GoP will pay Rs10,000 per new borrower to banks, subject to a net annual increase in borrowers. |
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For detailed features of the scheme, please refer to the following circular issued by SBP. |
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English: https://www.sbp.org.pk/acd/2025/C2.htm |
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Urdu: https://www.sbp.org.pk/acd/2025/C2-U.pdf |
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For Frequently Asked Questions (FAQs), please click here. |
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