Karachi: Pakistan’s banking sector disbursed Rs 3,231.56 billion in agriculture credit during fiscal year 2025-26, depicting a 24.7% growth against Rs 2,592.23 billion disbursements in the previous fiscal year 2024-25.
The number of total outstanding borrowers, who received agri-loans for production and development purpose, increased 4.8% during the FY26 to 3.26 million as compared to 3.11 million borrowers in FY25, statistics on Agriculture Credit Disbursement for the period July-June FY26 issued by Agriculture Credit and Financial Inclusion Department of SBP showed.
The major portion of the agriloans, Rs 2,924 billion, was acquired for production while Rs 3,231.6 billion were sanctioned for development purposes, as per data that reflected positive growth in disbursements under both the heads.
The contribution of commercial banks in total agri loan disbursement recorded 26.3% yearly growth to reach Rs 2,791 billion during FY26 from Rs 2,209 billion of FY25, the data depicted. The 5 major commercial banks disbursed Rs 1,642 billion while Rs 898.17 billion were issued by Mid-sized banks and Rs 250.38 billion by Islamic banks, showing 13.9%, 61.7% and 18.4% annual growth respectively in agriculture credit disbursement during the period under review.
Agri loan disbursement by the specialized banks in FY 26 reported as Rs 108.45 billion, representing 26.7% increase as compared to Rs 85,62 billion disbursements of FY 25. Zarae Tarqiati Bank Limited (ZTBL) issued loans of Rs 99.61 billion during the period showing 36.5% growth over FY25.
Credit disbursement by the Microfinance and rural support sectors also recorded a positive growth during FY26 as disbursement by the Micro Finance Banks surged 10.3% to Rs 278.33 billion while loans issued by Microfinance
Institutions and Rural Support programs (RSPs) increased 19.6% to Rs 53.81 billion, as per SBP statistics.
The total outstanding amount of agriculture credit by end June 2026 recorded as Rs 1,257.84 billion showing 25% increase as compared to Rs 1,004.86 billion outstanding loans of FY 25.
