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Are you looking for a prestigious government banking career that offers stability, growth, and a chance to serve Pakistan?
The Zarai Taraqiati Bank Limited (ZTBL) has officially announced its latest recruitment drive for 2025. The bank is inviting applications from dynamic and energetic graduates for the position of Officer Grade-III (OG-III) / Micro Credit Officer (MCO).
For young professionals wanting to enter the banking sector, this is one of the most anticipated opportunities of the year. Here is everything you need to know about the eligibility criteria, job responsibilities, and how to apply online.
Job Overview: Key Highlights
Before diving into the details, here is a quick look at the job summary:
| Feature | Details |
| Organization | Zarai Taraqiati Bank Limited (ZTBL) |
| Position | Officer Grade-III (MCO) |
| Job Type | Permanent / Regular |
| Sector | Government / Banking |
| Education | Bachelor’s Degree (16 Years) |
| Age Limit | 21 – 30 Years (Check specific ad for relaxations) |
| Location | Nationwide (All Provinces) |
| Deadline | December 2025 |
About ZTBL and the Role of an MCO
Zarai Taraqiati Bank Limited is not just a commercial bank; it is the backbone of Pakistan’s agricultural economy. Its primary mission is to provide financial assistance to small farmers, landlords, and rural industries to boost national food security.
What is an MCO?
The Micro Credit Officer (MCO) is the face of ZTBL in rural areas. Unlike a typical desk job, this is a dynamic field role. As an MCO, your primary duties will include:
- Field Visits: Traveling to farms and villages to meet potential borrowers.
- Loan Processing: Analyzing the needs of farmers and disbursing agricultural credit.
- Recovery: Ensuring timely repayment of loans to maintain the bank’s liquidity.
- Advisory: Guiding farmers on the best financial schemes for crop production, livestock, and dairy farming.
If you enjoy interacting with people and want a job that takes you out of the office, this role is perfect for you.
Eligibility Criteria for ZTBL Jobs 2025
To ensure you are shortlisted, you must meet the following strict criteria set by the bank.
1. Educational Qualification
Candidates must hold a Bachelor’s or Master’s Degree (minimum 16 Years of Education) from an HEC-recognized university.
- Preferred Disciplines: Agriculture, Economics, Business Administration (BBA/MBA), Commerce, Banking & Finance, or Rural Development.
- Note: Graduates with an agricultural background are often given a competitive edge.
2. Age Limit
- Minimum Age: 21 Years
- Maximum Age: 30 Years
- (Age relaxation may be available as per Government of Pakistan rules, usually up to 3-5 years for specific cases).
3. Domicile & Gender
- Who can apply: Both Males and Females are eligible.
- Region: Candidates from all over Pakistan (Punjab, Sindh, KPK, Balochistan, Gilgit-Baltistan, and AJK) can apply.
Salary Package & Benefits
One of the biggest reasons to join ZTBL is the compensation package. As an OG-III officer, you are entering the officer cadre with excellent perks:
- Competitive Salary: Estimated starting gross salary between PKR 55,000 to 75,000.
- Allowances: Includes Medical, House Rent, and Conveyance allowances.
- Job Security: As a government-backed institution, your job is secure compared to the private sector.
- Growth: Structured career path moving from OG-III to OG-II, OG-I, and eventually Branch Manager.
How to Apply for ZTBL OG-III Jobs 2025
The application process is fully online. Follow these steps carefully to avoid rejection.
- Visit the Official Website: Go to the official ZTBL website or the testing service mentioned in the advertisement.
- Find the Career Section: Look for the “Careers” or “Jobs” tab and select “OG-III / MCO Recruitment 2025”.
- Fill the Online Form: Enter your personal data, academic records, and contact details accurately.
- Upload Documents: You will need to scan and upload:
- Updated CV/Resume
- CNIC (Front & Back)
- Recent Passport-size Photograph
- Degree/Transcript copies
- Submit Application: Double-check your information and hit submit. Keep a printout of the generated application form for your records.
More Government Opportunities
If you are interested in energy sector jobs in KPK, check out our detailed guide on ETEA HAZECO Jobs 2025 Online. This is another excellent opportunity for engineering and technical professionals.
Frequently Asked Questions (FAQs)
Q: Is field work mandatory for this job?
Yes. The MCO role is primarily field-oriented. You will be visiting rural areas frequently.
Q: Can I apply with a 14-year Bachelor’s degree (BA/BSc)?
Generally, ZTBL requires 16 years of education (BS or Master’s) for Officer Grade positions. Please check the specific advertisement for any exceptions.
Q: Is there an application fee?
If the recruitment is handled by a third-party testing service (like OTS), a challan fee (usually PKR 300-500) will apply.
Conclusion
The ZTBL OG-III MCO Jobs 2025 offer a golden opportunity to start a high-growth career in banking. By bridging the gap between finance and agriculture, you aren’t just earning a salary—you are contributing to Pakistan’s development.
Don’t miss out! Prepare your documents and apply today before the portal closes.