Are you interested in working at a highly reputable financial institution that offers growth, learning, and long-term opportunities? Well, if this is what you want, then this article is tailor-made for you!

Today, the freshly announced jobs of ZTBL OG-III / MCO Jobs 2025 will be discussed—an outstanding opportunity for fresh graduates from all over Pakistan, AJK, and Gilgit-Baltistan. I will break down every detail from the advertisement in easy-to-understand English, add a human touch, and explain everything clearly so that even beginners can understand the whole process.

Let’s get started!

What is ZTBL, and why is this job important?

Before jumping into the job details, let’s first understand what ZTBL actually is.

Zarai Taraqiati Bank Limited, or ZTBL, is a specialized, triple-A-rated financial institution of Pakistan. Its major purpose is to support agriculture financing across the country. With more than 500 branches, the ZTBL plays a massive role in the agricultural economy of Pakistan.

So, why does this job matter?

• It’s a semi-government job with very strong job security.
• They are hiring 300 candidates—a great opportunity for fresh graduates!
• The bank offers a competitive salary package, a professional environment, and career growth.
• It’s ideal for those candidates who wish to build a long-term career in the banking and agriculture finance sector.

In short, if you are looking for a sound career beginning, then this could be something worth considering.]

Overview of ZTBL OG-III / MCO Jobs 2025

Following is a quick snapshot of what the advertisement offers:

📌 Position Offered:

OG-III / MCO (Officer Grade – III / Mobile Credit Officer)

📌 Total Number of Seats:

300 Vacancies
(Yes… 300! Which means higher chances of selection.)

📌 Posting Location:

1. Pakistan
2. AJK
3. Gilgit-Baltistan

📌 Age Limit:

Maximum 28 years (as on closing date)

📌 Gender:

Both males and females can apply.

📌 Eligibility:

Minimum 16 years of education with the required CGPA or percentage.

Eligibility Criteria Explained in Simple Words

The original advertisement mentions all requirements, but in a confusing manner. Therefore, here is a straightforward human-friendly explanation:

1. Minimum Qualification

You must have 16 years of education in any discipline.

Preferred fields include:

• Agriculture (High preference)

• Finance

• Economics

• Commerce

• Business Administration

• Management Sciences

• Or any other relevant field

So, even if you are not an agriculture graduate, you can still apply — but agriculture graduates shall be given preference.

2. Required CGPA or Percentage

You must have:

• 2.5 out of 4.0 CGPA, OR

• 3.5 out of 5.0 CGPA, OR

• At least 60% marks (if the percentage system)

This means that even average-performing students can also apply. You do not need to be a topper to qualify.

3. Nationality Requirements

• Only Pakistani citizens can apply.

• Dual nationality holders are not eligible.

4. Fresh Candidates Only

This job is meant for fresh graduates.

Anyone already employed in a permanent, contractual, or part-time capacity in another organization is not eligible. The bank wants to bring in new talent.

General Instructions You Must Know

The advertisement gives a few guidelines to be understood by every applicant:

✔ Recruitment will be strictly based on merit
No sifarish, no shortcuts — selection will follow official ZTBL policies.

✔ Shortlisted candidates will undergo a written test and a panel interview
Only shortlisted candidates will be progressed to the interview stage.

✔ No TA/DA
No travel allowance will be paid for the test/interview.

✔ Competitive salary package
The OG-III position comes with a respectable salary and good benefits in ZTBL.

✔ Professional work environment
The bank focuses on equal opportunities for all genders.

Step-by-Step Guide: How to Apply for ZTBL OG-III Jobs?

A lot of candidates get confused during the application process, but don’t worry — here’s the complete guide in simple steps.

Step 1: Visit the Official Website

Go to:

👉 www.nibaf.sbp.org.pk/careers.html

This is the application portal managed by the National Institute of Banking & Finance (NIBAF).

Step 2: Fill out the Online Application Form

Enter your:

• Personal details

• Academic qualifications

• Contact information

• CNIC

• Upload a recent photo

Ensure everything is correct. Any incorrect details will lead to rejection.

Step 3: Pay Your Application Fee

Deposit Rs. 500/- (non-refundable) in the bank branches as specified in the advertisement.

You will be given a payment slip.

Step 4: Upload Required Documents

You must upload:

• CNIC copy

• Degree / Transcript

• Recent Photo

• Original Deposit Slip

Make sure your documents are clear and readable.

Step 5: Receive Confirmation from NIBAF

After submitting the form, you will get a confirmation message or slip.

Print and save it.

Examination Division,
National Institute of Banking & Finance (NIBAF),
Moulvi Tamizuddin Khan Road,
Karachi – 74200

Candidates who do not send physical documents will be considered incomplete and rejected.

Step 7: Wait for Test Date

Test details will be available on NIBAF’s official website. Your test slip will also be uploaded there.

Step 8: Appear in the Interview (If Shortlisted)

After passing the test, you will be called for an interview. Final selection will be based on:

• Merit

• Test marks

• Interview performance

Important Dates

• Last Date to Apply: 31st December 2025

However, it’s always better to apply early to avoid last-minute issues.

Why Should You Apply for OG-III / MCO Jobs?

You may be wondering:
“Should I really apply for this job?”

Let me give you strong reasons…

1. Great Start to a Banking Career

OG-III is the entry-level officer position. It opens doors for further promotion and growth.

2. Job Security

ZTBL is a semi-government institution, offering you stability and benefits.

3. 300 Seats = Higher Chances

More seats mean less competition. You have a very high chance of being selected.

4. Strong Learning Environment

You will be exposed to:

• Banking operations

• Credit management

• Agricultural finance

• Customer dealing

• Fieldwork & documentation

This experience will be very valuable in your future banking career.

⭐ 5. Attractive Salary Package
ZTBL provides a handsome salary with all allowances, medical, and other benefits.

Frequently Asked Questions (FAQs)

Q: Can a fresh graduate apply?

Yes, this job is especially for fresh graduates.

☛ Are females eligible?

Absolutely, ZTBL is an equal-opportunity employer.

Agriculture degree: Is it required?

Not required, but graduates with an agriculture degree get additional preference.

Is there any age relaxation?

No. The maximum age limit is 28 years.

❓ Is the fee refundable?

No, the fee is not refundable.

❓ Is the test difficult?

No. It contains basic:

• English
• Math
• General Knowledge
• Basic Banking
• Some agriculture-related questions

Should You Apply? Absolutely YES!

ZTBL OG-III / MCO Jobs 2025 is a golden opportunity for fresh graduates who want to enter the banking sector with a strong start.

With 300 vacancies, simple eligibility criteria, and a reputable organization like ZTBL offering growth and stability, this job is worth applying for. The process is easy, the environment is professional, and the future opportunities are endless.

If you’re a motivated, hardworking individual with dreams of building a successful banking career…
This is your moment!