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.

Islamabad, May 15, 2025: Pakistan’s largest digital microfinance institution, Mobilink Bank and Fatima Fertilizer, a leading player in Pakistan’s agricultural sector, have entered into a strategic partnership to digitally empower Pakistan’s underserved farming communities through enhanced access to finance and financial technology. The collaboration aims to uplift the country’s agri-community by digitizing the agricultural supply chain and providing targeted financial solutions through the integration of Mobilink Bank’s ‘Dost App’ and Fatima Fertilizer’s ‘Sarsabz Pakistan’ platform.

This partnership brings together two leaders in their respective sectors, with a shared commitment to transforming rural livelihoods. The alliance will unlock new opportunities for the farming community, and agri-based small and medium enterprises (SMEs) by combining Mobilink Bank’s inclusive financial products with Fatima Fertilizer’s strong grassroots presence in order to drive social mobility.

As part of this collaboration, farmers will be able to access a wide range of Mobilink Bank’s financial products and services, including agri tubewell financing, input lending, passbook financing, as well as digital banking through the seamless integration of the Dost App with the Sarsabz Pakistan platform.

In addition, the partnership will also focus on equipping farmers with essential financial literacy skills to help them make informed financial decisions. These offerings will be delivered not only through digital channels but also via on-ground engagements, including joint farmer community gatherings with Mobilink bank and Fatima Fertilizer designed to raise awareness, generate leads, and encourage the adoption of financial tools.

“Agriculture is the backbone of Pakistan’s economy, and its progress is vital to our national prosperity,” said Haaris Mahmood Chaudhary, President and CEO of Mobilink Bank. “This strategic integration of our Dost App with the Sarsabz Pakistan App by Fatima Fertilizer is a leap toward building a future-ready, digitally inclusive agri-ecosystem. By simplifying access to finance for agri-inputs, we’re not just digitizing lending; we’re empowering farmers, strengthening rural economies, and paving the way for sustainable growth.”

Also sharing his thoughts, Asad Murad, Chief Operating Officer, Fatima Fertilizer Company Limited, added, “At Fatima Fertilizer, we are deeply committed to enhancing the lives of farmers through innovation, accessibility, and collaboration. Our partnership with Mobilink Bank reflects a shared vision to drive financial inclusion and strengthen the agricultural ecosystem. By integrating digital finance with our Sarsabz Pakistan platform, we are not only bridging critical gaps in agri-input financing but also enabling long-term socio-economic growth in rural communities.”

Mobilink Bank and Fatima Fertilizer’s joint efforts will extend beyond service delivery, contributing to broader financial inclusion goals through farmer education, digital access, and rural entrepreneurship development. The collaboration will not only empower the farmer community in the agri sector but also contribute to the Pakistan’s agri economy.

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