Circulars/Notifications - Agricultural Credit Department  
 ACD Circular No. 06 of 2007
December 24, 2007  

The Presidents / Chief Executive Officers
All Banks

Dear Sirs / Madam,


Guidelines on Horticulture Financing

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.



Enc: As above.

Yours faithfully,


(Muhammad Ashraf Khan)

About SBP
Economic Data
Press Releases
Laws & Regulations
Monetary Policy
Help Desk
SBP Videos
Contact us
What's New?
Online Tenders
Web Links

Educational Resources
Regulatory Returns
Rupey ko Pehchano
Zahid Husain Memorial Lecture
Best view Screen Resolution : 1024 * 768
Copyright © 2016. All Rights Reserved.