ISLAMABAD, April 13, 2026: Pakistan’s digital microfinance sector received a significant boost as Mobilink Bank and HBL Zarai Services Limited signed a Memorandum of Understanding (MoU) to enhance agricultural financing for underserved farming communities across the country.

The partnership will be implemented under the “Zarkhez-e” Asaan Digital Zarai Qarza Scheme, aiming to provide farmers with structured, in-kind financing linked directly to essential agricultural inputs and services. The initiative seeks to ensure that credit is used productively, ultimately improving crop yields, farm sustainability, and the economic resilience of smallholder farmers.

Under the agreement, Mobilink Bank will leverage its digital banking infrastructure to facilitate efficient loan disbursements and financial transactions. By integrating digital channels, the bank aims to simplify access to financing for farmers, particularly those in remote and underserved regions.

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HBL Zarai Services Limited, serving as an approved Agricultural Services Provider (ASP), will complement the financing by offering high-quality agricultural inputs, agronomic advisory services, mechanization 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 and minimizing inefficiencies within the agricultural value chain.

Speaking at the signing ceremony, Harris Mahmood Chaudhary, President and Chief Executive Officer of Mobilink Bank, emphasized the institution’s commitment to inclusive financial solutions. He noted that the collaboration represents a more integrated approach to agricultural financing, ensuring that farmers not only receive credit but also gain access to the resources necessary for sustainable productivity and improved livelihoods.

Amer Aziz, Chief Executive Officer of HBL Zarai Services Limited, highlighted the importance of aligning financial services with on-ground agricultural support. He stated that the partnership would help translate financing into tangible improvements in productivity, enabling farmers to achieve better yields and secure market access.

The collaboration also aims to strengthen coordination between financial and agricultural service providers, streamline service delivery, and scale in-kind financing across key agricultural regions. By supporting farmers with both financial and technical resources, the initiative is expected to contribute to enhanced food security and rural economic development.

Experts view such partnerships as vital for strengthening Pakistan’s agricultural ecosystem and advancing national priorities related to financial inclusion and sustainable growth. With agriculture remaining a cornerstone of the country’s economy, the Mobilink Bank–HBL Zarai collaboration is poised to create meaningful opportunities for farmers and support the sector’s long-term resilience.