Seeds of Change Grow with Alfalah and Engro

Engro Fertilizers (Engro Group) and Bank Alfalah Limited have partnered to introduce a revolutionary PKR 250 million financing program for farmers throughout Pakistan. The pilot scheme, launched at Bank Alfalah’s Head Office in Karachi, unites the experience of Engro Fertilizers, Bank Alfalah Limited, Engro CEO Ali Rathore, Bank Alfalah President & CEO Atif Bajwa, and Engro Vice President Marketing Atif Mohammed Ali. The scheme provides loans of a maximum of PKR 1 million per farmer, with an average disbursement of about PKR 0.6 million to about 300–350 farmers, covering up to 2,000 beneficiaries.

Accessible across Engro Markaz retail stores in Sahiwal, Sargodha, Bahawalpur, and Muridke, and through the UgAi agricultural‑e‑commerce platform, the program facilitates clean, collateral-based lending rates of up to 4.5% below market. Payments have been digitized, while a closed-loop P2M (Person-to-Merchant) system optimizes the value chain among Engro Fertilizers, Bank Alfalah, and final-user farmers.

Ali Rathore highlighted that the alliance is a significant move towards better access to quality inputs, yield improvement, and rural resilience. Atif Bajwa further underscored that customized funding solutions are necessary to unlock the potential of Pakistan’s agricultural sector and ensure food security. This alliance is a strategic amalgamation of fertilizer supply chain, finance, and digital innovation to enable Pakistan’s farming community.

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