NBP Kissan Khushaal Tractor Scheme 2026 :
When I came across this advertisement from the National Bank of Pakistan, I had to stop and read it twice. In a country where nearly 70% of the rural population depends on agriculture for their livelihood, the cost of a tractor has always been the single biggest wall between a small farmer and a productive harvest. A decent tractor in Pakistan today starts from around PKR 2.7 million — an amount that most small landholders simply cannot arrange upfront. This scheme is NBP’s direct answer to that problem, and frankly, it is one of the more practically structured farming programs I have seen in recent years.
I want to be direct with our readers at Pak Public Portal: the Kissan Khushaal to Mulk Khushaal initiative is not a handout scheme and it is not a balloting lottery. It is a structured tractor financing program where eligible farmers can get a New Holland Al-Ghazi GHAZI tractor on easy installments, delivered to their doorstep, through any NBP branch across Pakistan. The government-backed Kamyab Jawan umbrella covers the subsidized markup, making it significantly cheaper than commercial financing.
Let me walk you through every detail — who qualifies, what documents you need, how to apply, and what you actually get at the end of this process.
About the National Bank of Pakistan
The National Bank of Pakistan is a bank in Pakistan. People often call it The Nations Bank. It has than 1,500 branches all over the country. The National Bank of Pakistan was started in 1949. Since then the National Bank of Pakistan has been helping the government with its programs for the public. The National Bank of Pakistan especially helps farmers, small business owners and people with incomes.
The National Bank of Pakistan does a lot to help people in areas with money for farming. The National Bank of Pakistan gives out loans for crops, animals, farm machines and houses in areas. The National Bank of Pakistan has a loan program called the Kissan Khushaal Tractor Scheme. The National Bank of Pakistan works with Al-Ghazi Tractors Limited for this program. Al-Ghazi Tractors Limited is a known company in Pakistan that makes tractors. They make New Holland tractors.
What makes this program good is that the National Bank of Pakistan has branches over the country and Al-Ghazi Tractors Limited is a trusted company. You are not dealing with a company or a new product. Both the National Bank of Pakistan and Al-Ghazi Tractors Limited have been working in Pakistan for a time.
Scheme Overview. Key Features
| Feature | Details |
| Scheme Name | Kissan Khushaal to Mulk Khushaal |
| Implementing Bank | National Bank of Pakistan (NBP) |
| Program Umbrella | PM Kamyab Jawan Programme |
| Tractor Brand | Al-Ghazi / New Holland |
| Financing Tenure | 7 to 8 years |
| Markup Rate | 5% per year (Subsidized for 10 years) |
| Down Payment | Competitive (Decided by National Bank of Pakistan) |
| Delivery | Doorstep delivery (You pay the price of the tractor) |
| Loan Processing Fee | Nil / Very low |
| Application Mode | Online or visit any National Bank of Pakistan branch |
| Partnering Body | PHA Foundation and Ministry of Housing & Works |
Scheme Type: Farm Equipment Loan
Coverage: over Pakistan including commercial banks, Islamic banks, microfinance banks and HBFCL etc
Tractor Availability: Al-Ghazi New Holland GHAZI Series Tractors
Last Date to Apply Kindly : June 29 2026
About Al-Ghazi GHAZI Tractors (New Holland)
Before we get into the eligibility and application process, it helps to understand what you are actually getting under this scheme. The Al-Ghazi GHAZI tractor is a New Holland-technology machine assembled at AGTL’s plant in Dera Ghazi Khan. It is one of the most widely used tractor models in Pakistan’s agricultural belt, particularly across Punjab and Sindh.
The GHAZI series is available in multiple horsepower variants — commonly 65HP and higher — making it suitable for a wide range of farming operations including ploughing, rotavator work, trolley pulling, and field leveling. New Holland’s Fiat technology pedigree means spare parts are widely available, and certified service centers operate across the country.
For a small or medium farmer, owning a GHAZI tractor is not just about convenience — it directly translates into reduced labor costs, faster field preparation between cropping cycles, and the ability to take on contract farming work that generates additional income.
Eligibility Criteria
Who Can Apply?
- Pakistani Citizens with a valid CNIC — there are no provincial restrictions, the scheme is open across all of Pakistan
- Farmers, young agricultural entrepreneurs, and landowners who need machinery for crop cultivation
- Applicants who cultivate land — either owned land or contract-based farming arrangements
- Those who fall under the PM Kamyab Jawan Agriculture Loan eligibility framework, which includes applicants generally between 21 to 45 years of age
- Existing NBP account holders receive priority processing, though non-account holders can also apply
Key Conditions
- Applicant must not be a loan defaulter with any bank in Pakistan (ECIB clearance required)
- The tractor financed under this scheme must be used for agricultural purposes only
- Applicant should ideally have agricultural land or cultivable land access as primary justification for the loan
- Co-applicants and joint applications may be considered subject to NBP’s credit assessment
What the Scheme Offers — Key Benefits
1. Subsidized Markup at 5% Fixed
Under the Kamyab Jawan programme, the markup rate on agriculture machinery financing is fixed at 5% per annum — significantly lower than commercial tractor loan rates which typically range from 15% to 20% in the open market.
2. Financing Tenure of 7 to 8 Years
Rather than demanding the full tractor price upfront, NBP spreads repayment over 7 to 8 years with easy monthly or seasonal installments — aligned with cropping cycles so that repayment does not clash with low-income farming months.
3. Foundation Price Basis
The tractor is financed at foundation/subsidized price — not the inflated market rate. This means you are paying installments on a lower base amount, which directly reduces your total loan burden.
4. Doorstep Delivery
Once loan approval is complete, delivery of the tractor is arranged at your location — you do not need to travel to a city dealer or manufacturing plant. This is particularly helpful for farmers in remote areas.
5. Nationwide NBP Branch Access
With over 1,500 branches across Pakistan, NBP’s branch network ensures that farmers in every district — from Tharparkar to Chitral — can walk into a nearby branch and initiate this application.
6. Technical Advisory Support
The scheme includes access to free technical advice at your doorstep — meaning NBP or its partner representatives can provide guidance on tractor operation, maintenance basics, and loan management.
Required Documents
To apply for the NBP Kissan Khushaal Tractor Scheme you will need:
- A valid CNIC. Please bring a photocopy and the original for verification.
- Your Agricultural Passbook. This shows your land holdings registered with the revenue department.
- Documents that prove you own the land. These can be a Fard or Girdawari from the office. If you are farming on contract you can bring a lease agreement.
- Recent passport-sized photographs. Usually you need 2, to 4 of these.
- Your bank account details. It is preferred if you have an NBP account. If not you can open an account at the same time.
- A mobile number that is linked to your CNIC and verified by NADRA.
- A loan application form. You can get this from an NBP branch or their online portal.
- NBP Kissan Khushaal Tractor Scheme has some requirements. You must submit all documents to apply for NBP Kissan Khushaal Tractor Scheme.
How to Apply. Step by Step
Option A: Online Application
- Go to the website: www.kamyabjawan.gov.pk / BankForm/newApplicantForm
- On the homepage click on “Apply for Loan“
- Fill in Section A with your details CNIC and contact information
- In the sector selection choose “Agriculture” as your industry
- Select “Agriculture Machinery” as the business sector
- Choose “Tractor” as the sub-sector
- Complete all remaining sections and upload the documents
- Submit your application and note down your Application Reference Number
- You will get an SMS confirmation on your registered number
- Wait for the bank to assign your application to a branch
- You can track your application status online using your CNIC or Application ID
- Once assigned go to the designated NBP branch for verification and document submission
Option B: Walk-in, at NBP Branch
- Go to your NBP branch and ask for the “Kissan Khushaal Tractor Scheme” application form
- Fill out the form with the help of the branch agriculture loan officer
- Submit all required documents
- The branch will process your ECIB clearance and credit assessment
- If approved the tractor will be delivered to your address
Important Terms and Conditions
- This is a loan scheme, not a free tractor grant — full repayment with markup is required
- Tractor must be registered in the applicant’s name and used only for agricultural purposes
- Any misuse of loan funds (e.g., using loan for non-agriculture purposes) may result in full loan recall by NBP
- Applicants with any active bank default will not qualify — ECIB report will be checked
- NADRA verification of CNIC and date of birth is mandatory — ensure your information is accurately entered in the online form
- If no update is received within 30 to 45 days of submission, contact NBP’s UAN helpline: 111 627 627
- Loan approval is not guaranteed — it is subject to credit assessment, land verification, and bank discretion
- The tractor financing is tied to the Al-Ghazi GHAZI / New Holland model under this specific scheme
Why You Should Apply
Honestly, from everything I have researched and seen about Pakistan’s agriculture financing landscape, this scheme hits the right notes. The combination of a 5% fixed markup rate, 7-8 year tenure, foundation price basis, and doorstep delivery addresses the four biggest pain points that have historically kept small farmers away from tractor ownership.
Think about it this way — a farmer spending PKR 20,000 to PKR 30,000 per season on tractor rental or contract ploughing will, over 7 years, spend more than the cost of owning one. This scheme effectively converts that rental expense into a productive monthly installment that results in asset ownership at the end.
What I particularly appreciate about NBP’s role here is the branch accessibility. Unlike some schemes that require applicants to visit a central city office, NBP’s rural branch network means that a farmer in Rahim Yar Khan or Khairpur can apply from a branch that is genuinely close to their village.
If you have land — owned or leased — and you have been putting off getting a tractor because of upfront cost, this is the moment to walk into your nearest NBP branch and have that conversation. The worst that can happen is a preliminary assessment that tells you where you stand.
Contact Information
- NBP UAN Helpline: 111 627 627
- NBP Official Website: www.nbp.com.pk
- Online Application Portal: www.kamyabjawan.gov.pk/BankForm/newApplicantForm
- PHA Foundation: www.pha.gov.pk
- Social: @pha_foundation (Instagram & X/Twitter) | phafoundation (Facebook)
- Pak Public Portal: https://pakpublicportal.com/
Frequently Asked Questions (FAQ)
- What is the Kissan Khushaal Tractor Scheme about?
The Kissan Khushaal Tractor Scheme is a program that helps farmers buy tractors. The National Bank of Pakistan is running this program under the PM Kamyab Jawan umbrella. It lets Pakistani farmers buy an Al-Ghazi New Holland GHAZI tractor and pay for it in installments over 7 to 8 years. The interest rate is low at 5%. This way farmers who cannot pay the price of a tractor upfront can still own one.
- Is the Kissan Khushaal Tractor Scheme a free tractor scheme or a loan?
The Kissan Khushaal Tractor Scheme is a loan. You will get the tractor. You have to pay back the loan amount plus interest over time. The good thing is that the interest rate is low at 5%. Normally you would have to pay 15-20% interest. This means your monthly payments will be lower.
- What kind of tractor can I buy under the Kissan Khushaal Tractor Scheme?
The scheme offers the Al-Ghazi GHAZI series tractor. This tractor is made in Pakistan using New Holland technology. It is a known tractor and you can easily get spare parts for it all over the country. You might be able to choose from horsepower options depending on what the National Bank of Pakistan has available.
- Who can apply for the NBP Kissan Khushaal Tractor Scheme 2026 loan?
Any Pakistani citizen who is a farmer can apply. You need to have a CNIC and be between 21 and 45 years old. You also need to have a credit history meaning you have not defaulted on any loans before.
- Can I apply for the NBP Kissan Khushaal Tractor Scheme 2026 if I do not own land but farm on lease?
Yes you can apply. The scheme is meant to help all farmers, those who do not own land. If you farm on lease you can still apply for the loan. This is especially helpful for farmers in Sindh and Southern Punjab where many people farm on lease.
- What interest rate will I pay on the NBP Kissan Khushaal Tractor Scheme 2026 Loan ?
The interest rate for the Kissan Khushaal Tractor Scheme loan is 5% per year. This is much lower than what you would pay if you bought a tractor from a dealer. Normally you would have to pay 15-20% interest per year.
- How long do I have to pay back the NBP Kissan Khushaal Tractor Scheme 2026 ?
You have 7 to 8 years to pay back the loan. The National Bank of Pakistan might also let you pay back the loan in installments that match your farming income. This means you can pay back the loan when you have money, which’s usually after harvest time.
- Can I apply for the NBP Kissan Khushaal Tractor Scheme 2026 online. Do I need to go to a bank branch?
You can do both. You can apply online at kamyabjawan.gov.pk/BankForm/newApplicantForm. You can go to a National Bank of Pakistan branch near you. If you apply online you will still need to go to a bank branch to verify your documents.
- What documents do I need to apply for the NBP Kissan Khushaal Tractor Scheme 2026?
You need your CNIC, a passbook or land revenue record, passport-sized photos and a mobile number that is registered with NADRA. If you are a lease farmer you need to bring your lease agreement or any document that shows you are a farmer.
- How long does it take to get approved for the NBP Kissan Khushaal Tractor Scheme 2026 loan?
It usually takes 30 to 45 days to get approved. You can track your application online. You will get SMS updates. If you do not hear back after 45 days you can call the National Bank of Pakistan helpline at 111 627 627 to ask about your application.
- Will the tractor be delivered to my farm. Do I need to pick it up?
The Kissan Khushaal Tractor Scheme offers doorstep delivery. This means that once your loan is approved the tractor will be delivered to your farm or a location near you. This is helpful for farmers who live in areas and would have to travel far to pick up the tractor.
- What happens if I miss a payment, on the NBP Kissan Khushaal Tractor Scheme 2026 loan?
If you miss a payment you will have to pay a fee and it might affect your credit score. It is very important to apply for the loan if you can afford to pay it back. You should talk to the National Bank of Pakistan loan officer about your income and expenses before you apply for the loan.
Disclaimer
The details about the NBP Kissan Khushaal Tractor Scheme 2026 on Pak Public Portal come from the advertisement and what the government says about this scheme. We also did some research on the agriculture financing programs that the National Bank of Pakistan offers. Pak Public Portal is its thing and does not work with the National Bank of Pakistan Al-Ghazi Tractors Limited, PHA Foundation or the PM Youth Programme. The National Bank of Pakistan and the government can change the loan terms, who’s eligible the interest rates and when things get done whenever they want. We really think you should go to your National Bank of Pakistan branch or call 111 627 627 to get the most up to date information before you decide to do anything with your money. Pak Public Portal is not responsible if what we say here is different from what the actual scheme termsre when you apply for the NBP Kissan Khushaal Tractor Scheme 2026.
We just want to make sure you have the information about the NBP Kissan Khushaal Tractor Scheme 2026.
The NBP Kissan Khushaal Tractor Scheme 2026 is what we are talking about. We want to be clear about that.
So please check with the National Bank of Pakistan for the details, on the NBP Kissan Khushaal Tractor Scheme 2026.
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