Zarkhez e Asaan Digital Zarai Qarza is a government-backed agricultural financing program designed to support small farmers through collateral-free digital loans. By using the online Zarkhez e Portal, farmers can easily register, apply for loans, and track approvals without visiting bank branches. The entire process is digital, secure, and farmer-friendly.
The initiative aims to modernize Pakistan’s agricultural financing system by ensuring transparency, reducing paperwork, and offering timely financial support. This digital shift helps farmers access quality inputs like seeds, fertilizers, pesticides, and diesel with verified spending controls.
What Is the Zarkhez e Portal?
The Zarkhez e Portal is an online platform built to streamline the registration, loan application, and tracking process for eligible farmers.
Purpose of the Portal
- To enable farmers to register digitally without visiting physical offices.
- To provide a transparent channel for loan tracking and usage.
- To maintain an organized database of eligible applicants.
Key Features for Farmers
- Easy online registration
- User-friendly login system
- Real-time loan status updates
- Verified merchant purchase monitoring
- Secure digital wallet integration
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Benefits of Using the Zarkhez e Portal
Digital Ease for Farmers
The portal eliminates traditional paperwork and long bank visits. Everything—from registration to approval—can be done online.
Transparent Loan Tracking
The platform allows farmers to track:
- Application status
- Disbursement progress
- Merchant purchase history
- Repayment schedule
This transparency helps build trust and reduces misuse of funds.
Eligibility Requirements for Registration
Basic Requirements
To register on the portal, a farmer must have:
- Pakistani citizenship
- Age between 21 and 60 years
- Valid CNIC
- Mobile SIM registered in their own name
Land Ownership Criteria
Landowners and tenants both qualify with the following area limits:
- Punjab & KPK: up to 12.5 acres
- Sindh: up to 16 acres
- Balochistan: up to 32 acres
Documents Needed for Zarkhez e Portal Registration
- Valid CNIC number
- Registered mobile number
- Land ownership or tenancy papers
- Bank account (CASA, Asaan or wallet)
- Recent photograph (optional depending on bank)
Step-by-Step Zarkhez e Portal Registration Procedure
Step 1 – Visit the Official Portal
Open the official Zarkhez e registration website using your mobile or computer.
Step 2 – Create Your Digital Account
- Click on New Registration
- Enter your CNIC, mobile number, and personal details
- Verify through OTP sent to your registered SIM
Step 3 – Fill in the Application Form
Provide the required information including:
- Personal biodata
- Land details
- Crop information
- Bank details
Step 4 – Upload Required Details
You may be asked to upload:
- Land documents
- Tenancy agreements
- Supporting identification
Step 5 – Submit the Registration
Once everything is filled in correctly:
- Pay the digital processing fee (Rs 1,200)
- Submit the application
- Wait for verification via NADRA, PMD, ECIB, and bank checks
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Zarkhez e Portal Login Process
How to Log In
- Visit the official portal
- Enter your CNIC
- Type your password
- Click “Login” to access your dashboard
Recovering Your Password
If you forget your password:
- Click Forgot Password
- Enter CNIC
- Verify with OTP
- Create a new password
Understanding the Dashboard After Login
Viewing Loan Status
Once logged in, farmers can check:
- Approval stage
- Assigned financing amount
- Pending verifications
Checking Eligibility & Updates
The dashboard displays:
- Eligibility status
- Advisory messages
- Alerts about merchant spending
Loan Application Through the Portal
Farmers can apply for loans directly from the portal once registration is approved. They can:
- Select crop type
- Choose financing limit per acre
- Confirm merchant selection
- Submit application
The system ensures only one loan is applied per farmer.
Portal Services at a Glance
| Service Feature | Description |
|---|---|
| Online Registration | Complete farmer signup digitally |
| Loan Application | Submit financing requests |
| Real-Time Tracking | Monitor approval and spending |
| Merchant-Verified Purchases | Buy only from approved sellers |
| Insurance Coverage | Life and crop Takaful included |
Common Issues During Login & Registration
- OTP not received
- Incorrect CNIC details
- Network errors
- Mismatched SIM registration
- Land record verification delays
Tips for Successful Digital Registration
- Use a SIM registered in your name
- Enter correct land details
- Keep CNIC updated
- Ensure stable internet while applying
- Double-check form entries before submission
Why Zarkhez e Digitalization Matters for Farmers
Digitalization makes agriculture financing smarter, faster, and more transparent. Farmers now:
- Save travel and paperwork time
- Get accurate loan monitoring
- Receive advisory support digitally
- Build a positive credit score
This initiative strengthens rural development and promotes sustainable agricultural growth.
You can also read: Zarkhez e Asaan Digital Qarza For Poor People
Conclusion
The Zarkhez e Portal Login and Registration system provides a modern and efficient way for farmers to access collateral-free agricultural loans. With a simple digital process, farmers can register, apply for funds, and track their usage—all from a mobile phone. By making financing transparent and accessible, the government aims to uplift small farmers and improve agricultural productivity across Pakistan.
FAQs
- Is registration on the Zarkhez e Portal free?
No, farmers must pay a Rs 1,200 processing fee for verification. - Can tenants apply for Zarkhez e loans?
Yes, tenants with valid tenancy documents are fully eligible. - What if my land data is not updated?
You must get your records updated through local land authorities before applying. - Can I edit my application after submission?
Some fields can be updated, but key information may be locked after verification. - How many loans can a farmer take at once?
Only one loan per farmer is allowed under the program.