SMS Enterprise has designed various Agri Financing Products for the Farming community to avail agricultural credit facilities on given terms to meet their short term as well as long term credit needs. Agri Financing will be followed at large for provision of fund based & non-fund based facilities as described hereunder:
Small farmers, who hold and cultivate the most of the land all over Pakistan, their biggest set back is the availability of resources and awareness. Our goal is to help them overcome their financial needs through micro-financing, and in the process to educate and monitor them in obtaining high yields, beneficial for them and the country.
Farm Production Loans are disbursed to meet the working capital requirement of sowing, producing, harvesting and marketing of all crops including vegetables, fruits etc. This covers the whole cost of inputs to be incurred on acquisition of seeds, pesticides, fertilizers, other material/service charges etc. The facility would be allowed for a period of 03 years on revolving basis as advised by SMS Enterprise with annual review upon completion of one year of relationship.
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The facility may be allowed for the Purchase of brand new thrashers, other Agri machines like a plow, etc.
Cost of construction/ installation etc. of structures involved in tunnel & greenhouse technology for the growth of horticultural produce.
IOT Based Solutions ,Installation of solar/general tube- wells/engines, open wells, Persian wheels, lift pumps, deep turbines/pumps, electrical installation including the cost of power lines and transformers.Construction of cold storages.
The facility may be allowed for the Purchase of brand new thrashers, other Agri machines like a plow, etc.
For purchase of Brand New Equipment for sprinkle/ trickle/drip irrigation system
Installation of solar/general tube- wells/engines, open wells, Persian wheels, lift pumps, deep turbines/pumps, electrical installation including the cost of power lines and transformers.
Construction of cold storages.
Cost of construction/ installation etc. of structures involved in tunnel & greenhouse technology for the growth of horticultural produce.
The tenure of such financing should not be more than the useful life of Machinery/Equipment/Project as per Policy. It shall vary from 3 years to 7 years. A minimum of 30% of the cost of Machinery, Equipment/Project is to be invested by the borrower as equity.
Any other item required for the development of the farm.
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