Zarkhez-e Asaan Digital Qarza is a new loan scheme of the Government of Pakistan for small farmers. In this scheme, farmers can get an easy loan for their crops without giving any land or property as a guarantee. PAK Kamyabi gives you the full detail of this scheme in simple words on this page.
Many small farmers could not get bank loans in the past because of hard rules and long paper work. This scheme is fully digital, and the farmer is checked on his crop and income, not only on land papers. Farmers can also check the Green Tractor Scheme, which gives a subsidy of Rs 10 lakh on new tractors in Punjab.
Scheme Details
| Point | Detail |
|---|---|
| Scheme Name | Zarkhez-e Asaan Digital Qarza 2026 |
| Department | Government of Pakistan, agriculture loan scheme |
| Loan for Tenant Farmers | Up to Rs 500,000 |
| Loan for Land Owning Farmers | Up to Rs 1,000,000 |
| Guarantee (Collateral) | Not required |
| Target | Around 750,000 farmers who have no bank account |
| Total Fund | About Rs 300 billion in three years |
| Area | All Pakistan, including KPK, Balochistan, Gilgit-Baltistan and AJK |
How to apply for Zarkhez-e Asaan Digital Qarza
- Download the official Zarkhez app from the Google Play Store.
- Make your account in the app and complete the digital verification.
- Fill the loan application in the app with your crop and income detail.
- Submit the application and track your loan status in the app.
- If you cannot use the app, visit your nearest bank branch. The bank staff will help you with the digital registration.
- Never pay any agent or middleman. Apply only through the app or the bank.
Eligibility Criteria
- You must be a farmer of Pakistan. Small farmers and tenant farmers are given first chance in this scheme.
- Tenant farmers can get a loan of up to Rs 500,000.
- Farmers who own land can get a loan of up to Rs 1,000,000.
- No land or property is needed as a guarantee for the loan.
- Your loan is checked on your crop, your work and your income, not only on land papers.
Conclusion
Zarkhez-e Asaan Digital Qarza is a good step for small farmers who need money for seeds, fertilizer and other crop needs but have no land to give as a guarantee. With loans up to Rs 10 lakh, a full digital system and no collateral, this scheme can help many farmer families. If you are a small farmer, download the Zarkhez app or visit your bank and apply with care.
FAQs
Q1: How much loan can a farmer get in Zarkhez-e Asaan Digital Qarza?
Ans: Tenant farmers can get up to Rs 500,000, and land owning farmers can get up to Rs 1,000,000.
Q2: Is any guarantee needed for this loan?
Ans: No. This loan is given without any land or property guarantee.
Q3: How can I apply for this scheme?
Ans: Download the Zarkhez app from the Google Play Store and apply in the app, or visit your nearest bank branch for help.
Q4: Who can apply for Zarkhez-e Asaan Digital Qarza?
Ans: Small farmers and tenant farmers from all over Pakistan can apply, including KPK, Balochistan, Gilgit-Baltistan and AJK.
Q5: What is the last date for this scheme?
Ans: No last date is announced for this scheme. You can apply any time through the app or your bank.
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