ZTBL Jobs 2025: 300 Officer Grade-III (MCO) posts are open nationwide! Last date 31 December. Agriculture graduates get top preference. Apply online via NIBAF and start your secure banking career today!
This complete guide covers everything: eligibility, step-by-step application via the new NIBAF portal, salary details, test pattern, interview questions asked in previous cycles, and insider tips that no other website is sharing right now.
Let’s make sure you don’t miss this chance.
1. Zarai Taraqiati Bank Limited (ZTBL) – Quick Overview & Why Join in 2025
ZTBL is Pakistan’s only AAA-rated specialized agricultural development bank with more than 500 branches nationwide. Formerly known as ADBP, it plays a direct role in rural development and farmer financing. Joining ZTBL as an Officer Grade-III means you’ll be posted in real Pakistan — cities, towns, and villages — helping farmers grow their businesses while building a rock-solid government banking career.
In 2025, ZTBL is expanding its Mobile Credit Officer network aggressively, which is exactly why they need 300 fresh, energetic graduates right now.
2. Complete Vacancy Details – Officer Grade-III / Mobile Credit Officer (300 Posts)
| Position | Officer Grade-III (OG-III) / Mobile Credit Officer (MCO) |
| Total Vacancies | 300 |
| Job Locations | Nationwide (including AJK & Gilgit-Baltistan) |
| Nature of Job | Regular (as per ZTBL Staff Regulations) |
| Age Limit | Maximum 28 years (as on 31 Dec 2025) |
| Last Date to Apply | 31 December 2025 |
| Application Portal | www.nibaf.sbp.org.pk/career.html |
3. Full Eligibility Criteria + Hidden Preferences You Must Know
You need minimum 16 years of education (Bachelor’s degree) from an HEC-recognized university with at least:
- CGPA 2.5/4.0 OR 3.5/5.0 OR 60% marks in annual system
Agriculture graduates get strong preference — this is not just written, it’s actually followed in shortlisting. From past cycles, the unofficial preference order is:
- University of Agriculture Faisalabad (UAF)
- Bahauddin Zakariya University (BZU) Multan – Agri
- Sindh Agriculture University Tandojam
- PMAS Arid Agriculture University Rawalpindi
- Other agriculture universities
- Non-agriculture graduates (still eligible but lower priority)
Final-year students awaiting results are NOT eligible this time.
4. Age Limit Relaxation Rules (Very Few People Know These)
- Punjab & Islamabad: +5 years for females only
- Sindh (Rural): +10 years for rural domicile holders
- Balochistan, Ex-FATA, AJK, Gilgit-Baltistan: General relaxation up to 30–32 years
- Disabled persons: +10 years
5. Step-by-Step Application Process via NIBAF Portal (2025 Method)
This year ZTBL has shifted everything to NIBAF (a subsidiary of State Bank of Pakistan). Here’s exactly what to do:
- Visit https://nibaf.sbp.org.pk/Career.html
- Click “Apply Online” for ZTBL Officer Grade-III
- Fill the form carefully (double-check CNIC, name spelling, degree title)
- Upload scanned photo (passport size, white background)
- Submit → you’ll instantly receive a confirmation email + fee voucher (Rs. 500)
- Deposit Rs. 500 in any branch of Habib Bank, Bank Alfalah, or Allied Bank
- Print the confirmation email + paid voucher copy
- Send via courier to:
Examination Division, National Institute of Banking & Finance (NIBAF),
Moulvi Tamizuddin Khan Road, Karachi – 74200 - Keep tracking number — many candidates lose it!
Common mistake that gets you rejected instantly: Sending only the voucher without the printed confirmation email. Both are mandatory.
6. Written Test Pattern & Syllabus by NIBAF (2025 Updated)
| Section | Marks | Topics to Prepare |
| English | 20 | Grammar, comprehension, sentence correction |
| Analytical / IQ | 20 | Series, analogies, patterns |
| General Knowledge | 20 | Pakistan affairs, Islamic studies, current affairs |
| Agriculture & Rural Economy | 40 | Basic crops, fertilizers, rural credit, ZTBL schemes |
Total: 100 marks | Duration: 90–100 minutes
7. Salary Package & Benefits Breakdown (Real Numbers 2025)
| Component | Amount (PKR) |
| Basic Pay | 48,000 – 52,000 |
| House Rent Allowance | 18,000 – 22,000 |
| Utility + Medical | 8,000 – 10,000 |
| Adhoc Relief | 5,000 – 7,000 |
| Gross Salary (approx.) | 85,000 – 92,000 |
| Take-Home (after deductions) | 75,000 – 82,000 |
Plus annual increments, gratuity, benevolent fund, and staff loans at 4% markup.
8. Interview Questions Asked in Previous ZTBL OG-III Cycles (2023–2024)
Here are real questions candidates faced:
- Tell us about yourself and why ZTBL?
- What is the difference between commercial banking and agricultural banking?
- Name five major crops of Pakistan and their sowing seasons.
- What is Kissan Dost Scheme?
- How will you convince a farmer to take a loan from ZTBL instead of an informal lender?
- What is One Window Operation in ZTBL?
Prepare short, confident answers — they love candidates who know ZTBL schemes.
9. Success Tips from Recently Selected MCOs (2024 Batch)
- “Highlight any village/rural background in your interview — they love it.”
- “Learn names of at least 10 ZTBL loan products.”
- “Wear simple formal dress, speak in Urdu if you’re more comfortable.”
- “Agriculture students: mention your final-year project even if it’s basic.”
- If you want to get more jobs must visit JobZoom.pk
10. FAQs – ZTBL Jobs 2025
Q: Can final-year students apply?
No, result-awaited candidates are not eligible this year.
Q: Is there negative marking in the test?
No negative marking confirmed.
Q: Can I apply if I have a non-agriculture degree?
Yes, but agriculture graduates are heavily preferred.
Q: When will admit cards be issued?
Usually 10–15 days after document verification.
Q: Any quota for minorities or disabled?
Yes, as per government policy.
11. Last-Minute Checklist Before 31 December 2025
- Online form submitted
- Rs. 500 fee deposited
- Confirmation email + paid voucher couriered to Karachi
- Tracking number saved
- Started preparing Agriculture section (40 marks!)
Apply here right now → nibaf.sbp.org.pk/career.html
Don’t wait for the last two days — servers get slow and courier services get overloaded.
Good luck! This could be the start of a lifelong secure banking career with ZTBL. Share this guide with friends who need it — someone you know might thank you forever.
