ZTBL and PDA Forge Strategic Alliance to Drive Pakistan’s Dairy Sector Modernisation

Zarai Taraqiati Bank Limited (ZTBL) and the Pakistan Dairy Association (PDA) have signed a memorandum of understanding to improve access to finance, upgrade technology, and influence policy reform across the sector.

The agreement was formalised in Islamabad, with ZTBL President and CEO Mr. Tahir Bhatti and PDA CEO Dr. Shehzad Amin signing the document in the presence of senior ZTBL officials and PDA representative Dr. Zubair.

This collaboration is part of PDA’s broader agenda to deepen partnerships across the public and private sectors, extending its impact throughout the dairy value chain.

Under the agreement, ZTBL will extend subsidised or interest-free financing — where applicable — to PDA member farmers and processors. This is intended to support investment in infrastructure, expand capacity, and modernise dairy operations.

Commercial dairy farms will gain improved access to credit, aimed at boosting animal health, productivity, and scaling up operations. For processors, the partnership opens up financing opportunities to adopt modern technologies, drive product innovation, and raise efficiency.

Both organisations have also pledged to jointly advocate for policy changes that support long-term sector growth, including a more enabling financial and regulatory framework.

The partnership is expected to serve as a catalyst for:

• Expanding financial access for farmers and businesses
• Encouraging modernisation of dairy infrastructure
• Strengthening the link between policy and practical execution
• Creating a more resilient and innovative dairy sector

By combining ZTBL’s financial tools with PDA’s industry reach, the agreement signals a move toward a more inclusive and sustainable dairy economy in Pakistan.