Pakistan’s leading digital microfinance bank, Mobilink Bank has signed a crucial partnership with HBL Zarai Services Limited to advance agricultural financing for underserved communities under the ‘Zarkhez-e’ Asaan Digital Zarai Qarza Scheme.

Under this partnership, Mobilink Bank will expand access to structured, in-kind agricultural financing for farmers across Pakistan. The Bank, in collaboration with HBL Zarai services, will link financing with essential agricultural inputs and services to help ensure that credit is utilized for productive purposes and contributes to improved farm-level outcomes. Moreover, it will strengthen the efficiency of the financing process through digital channels to enable more streamlined disbursements and transactions.

Whereas HBL Zarai, as an approved Agricultural Services Provider (ASP), will enable farmers to access high-quality agricultural inputs, ongoing agronomic advisory, mechanization services on a pay-per-use basis, and structured crop offtake solutions. This closed-loop model connects financing with input utilization and market access, enhancing transparency, minimizing inefficiencies, and strengthening farmers’ economic resilience.

Commenting on the occasion, Harris Mahmood Chaudhary, President and Chief Executive Officer, Mobilink Bank, said, “Mobilink Bank remains committed to expanding access to finance in a way that is both practical and meaningful. Through our collaboration with HBL Zarai, we are bringing a more integrated approach to agricultural financing by linking credit with inputs, advisory, and market access. This helps ensure that financing is used effectively, improves outcomes, and supports more sustainable and resilient livelihoods.”

Amer Aziz, Chief Executive Officer of HBL Zarai Services Limited, added, “This partnership with Mobilink Bank is a significant step toward strengthening the delivery of structured agricultural financing. By combining financial access with on ground agricultural services, we are ensuring that financing translates into real productivity, improved yields, and better market outcomes for farmers.”

Through this partnership, Mobilink Bank and HBL Zarai aim to enhance coordination, streamline service delivery, and scale in-kind agricultural financing across key agricultural regions. The initiative supports national priorities for sustainable agriculture, financial inclusion, and inclusive economic growth to help Pakistan’s agriculture sector reach its full potential.