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1. AGRICULTURAL GOLD LOANS
Purpose
Bank extends hassle free finance to farmers / agriculturists against Gold Ornaments / gold wares to
increase their liquidity to meet crop production expenses, Investment expenses related to agriculture
and / or allied agricultural activities.
Eligibility
Any person engaged in agriculture or allied activities as well as persons engaged in activities permitted
to be classified under agriculture.
Quantum of Loan
Upto 70% of the value of the ornaments .Value will be as advised by the bank to the branches
periodically.
Security
Pledge of gold ornaments.
How do you repay
Credit / Overdraft: Like KCC, it is a running account for a period of 3 years.
Demand Loan / Term Loan :The repayment period of the loan should be fixed so as to coincide with the
harvesting and marketing season / generation of income from the activity, allowing 2 to 3 months time
after harvesting to market the produce and realize the proceeds. However, the total period will not
generally exceed one year from the disbursement of the loan in the case of short-term loan / productioncredit and 36 months in other cases.
How to apply for this loan
Contact your nearest Branch engaged in Agricultural advance.
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2. KISAN CREDIT CARD (KCC)
Purpose:
To provide timely and adequate credit to farmers to meet their production credit needs
(cultivation expenses) besides meeting contingency expenses, and expenses related to
ancillary activities through simplified procedure facilitating availment of the loans as and
when needed.
Who are eligible for the loan? • Owner cultivators, tenant cultivators and Share croppers.
• Agricultural borrowers having good track record for the last 2 years (i.e.,Maintaining standard loan accounts). • Creditworthy new borrowers can also be financed.
Loan amount • Loan amount is based on operational land holding ,cropping pattern andancillary and contingency needs of the farmer for the full year
100% of the cultivation cost available as loan uptoRs 50000/ and 85 % of the cost as loan
above Rs 50000/. Expenses to meet important ancillary activities to production can also be
financed in addition to the above The total limit is inclusive of 20% of production credit,
which includes crop production expenses and working capital for allied agricultural activity,
as contingency credit /consumption loan.
Disbursement of the Loan
As per the cultivation requirements of the crop, the loan will be disbursed in cash . Security Loan amount uptoRs 50000/ Hypothecation of Crops.
Above Rs 50000/ uptoRs 100000 (1) Hypothecation of crops.
(2) Mortgage of land or third party guarantee *
Above Rs 100000/ (1) Hypothecation of crops
(2) Mortgage of lands
*For loans uptoRs 1 lac to farmers having legal ownership of agricultural lands with good
rack record for last 2 years, no collateral is required
How do you repay
It is a revolving cash credit limit with any number of withdrawals and repayments and Limit
is valid for 3 years.
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How to apply for the loan You may contact our nearest braches engaged in agricultural advance or even talk to the
marketing officers visiting village.
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3. PRODUCE MARKETING LOAN
Purpose:
• To help farmers avoid distress sale of their produce
• To enable prompt repayment of crop loan dues and provide liquidity tofarmers to meet contingency needs.• To offer the facility of loan against the stocks stored in farm houses, inaddition to loan against warehouse receipts.
Who are eligible for the loan? 1. All non-defaulter borrowers of our branches, who can store the produce either
in their own farm/premises itself or in a Warehouse / cold storage.
2. Crop loan borrowers of other Bank’s and also Non-Borrower Farmers, whostore their produce/ stocks in a Warehouse / cold storage.
Loan amount 60 to 80% of value of produce depending upon the place of storage subject to a maximum
of Rs.10 lacs.
Documents you need to produce
Stock statement for valuation and evidence of stocks at your residence/ godown Warehouse
receipt, duly endorsed , if stocked at warehouse. SECURITY :
1. Loan sanctioned against goods stored in Farmer’s godown:
Primary : Hypothecation of stocks.Collateral : Mortgage / Charge over Land or Third Party guarantee for loans above
Rs. 50,000/-.
2. Loans sanctioned against Warehouse Receipts (WHR) :
Primary : Pledge of stocks.Collateral : No collateral is required for loans upto the maximum permitted limit of Rs.10 lakhs under the scheme.
DISBURSEMENT: After liquidating the crop loan ,surplus will be disbursed in cash. How to repay? Loan has to be repaid within a maximum period of 12 months depending upon the crop. How to apply for this loan Contact your Branch Manager/Field staff.
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5. LAND PURCHASE SCHEME
Purpose:
To assist Small & Marginal farmers and landless agricultural labourers for purchase of
Land, who are our existing borrowers to consolidate land holdings & development of Wasteland & fallow lands. Who are eligible?
• Small & Marginal Farmers owning less than 5 acres of unirrigated / 2.5
acres of irrigated land in their own names , landless agricultural labourers.• The borrowers should have a record of prompt repayment of the loan forat least two years.
• Good borrowers of other Banks are also eligible provided they liquidatetheir Outstandings to other banks.
Loan amount:
Loan may be considered for:
• Cost of land
• Provision of irrigation facilities & land development (shall not exceed 50%
of the cost of the land).
• Purchase of farm equipments.• Registration charges & stamp duty.
Loan amount will be 85 % of the cost of the land, as assessed by the bank, subject to
the maximum of Rs 5 lakhs Security
Mortgage of land to be purchased How to repay the loan Max. 9-10 years beginning after the expiry of gestation period, with half-yearly
instalments.. .Gestation period will be maximum of 1 year for the developed land and 2
years for the land to be developed.. How to apply for this loan Contact your Branch You may contact our nearest branch or talk to the marketingofficers visiting your village.
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6. SCORING MODEL FOR TRACTOR LOANS
Purpose
Agricultural term loans are sanctioned for purchase of new tractors, accessories and
implements
Who are eligible for tractor loan?
Agriculturists (individually or jointly ) and Persons offering security like NSCs, KVPs, the
Bank’s Fixed Deposits, surrender value of LIC policy, gold ornaments etc. to cover more
than 60% of the loan amount are eligible for the loan .The applicants should score
minimum score of 40 under the Scoring model of the bank. Loan amount
Upto 95 % of the cost of the Tractor, trailer and accessories. (Depending on the scores
in the scoring model).The cost includes the Registration charges and insurance premium
not exceeding Rs 15,000/-. Additional loan equal to 10% of tractor loan for repairs may
be provided for at the time of sanction. Bank will finance only for those models of
tractors which have completed the commercial test from organizations viz. Central Farm
Machinery Training and Testing Institute (CFMTTI) Budni (Madhya Pradesh) or Farm
Machinery Training and Testing Institute (FMTTI), Hissar Security
1. Hypothecation of the tractor, accessories and implements. Noting of Bank’s hypothecation charge in the RC Book of the tractor is compulsory in allthe cases.
2. Collateral Security like NSCs, KVPs, Banks Fixed Deposits ,Surrender
value of LIC policy etc OR Mortgage of agricultural lands .However no collateralsecurity is required, if the score is 70 and above on the scoring model of thebank
How to repay the loan
Within a maximum period of 9 years, including a grace period not exceeding 12 months.
The installments shall be payable half-yearly / yearly, coinciding with the harvesting and
marketing period of the crops proposed to be grown by you
How to apply for this loan
You may contact our nearest branch or talk to the marketing officers visiting your village
.
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7. FINANCING FOR COMBINE HARVESTERS
Purpose Finance is given for the purpose of combined harvesters'. Makes in the approved list of
the bank will only be financed Who are eligible?
a. For self propelled Combine Harvester 1. Farmers who are in a position to operate the Harvester successfully and owning
minimum of 8 acres of irrigated land (corresponding acreage for other types of land).
2. Farmers owning lesser acreage than that prescribed above, are also eligible for
availing combine harvester loans provided they could operate the harvesters
successfully and generate sufficient income .Additionally they should provide additional
collateral security like NSCs,Bank Fixed Deposits,LIC policies urban property etc to the
value of at least 50% of the loan amount.
b. For Combine Harvesters as an attachment /equipment
Farmers who are in a position to operate the Harvester successfully and owning
minimum of 6 acres of irrigated land (corresponding acreage for other types of
land)..They should own a tractor of not less than 50 HP . Farmers owning lesser acreage
than that prescribed above, are also eligible for availing combine harvester loans
provided they could operate the harvesters successfully and generate sufficient income,
additionally they should provide additional collateral security like NSCs, Bank Fixed
Deposits, urban property etc the value of at least 50% of the loan amount Loan amount Upto 85 % of the cost of combine harvester and accessories. Security 1. Hypothecation of assets financed
2. Mortgage of land/buildings
How do you repay Repayment of the loan will be in Quarterly/half yearly/yearly installments’ depending on
the liquidity your activity creates AND a maximum period of residual economic life of the
tractor owned which is assumed as 9 years,.
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8. DAIRY PLUS SCHEME FOR FINANCING DAIRY UNITS
PURPOSE
For construction of shed, purchase of milch animals, milking machine, chaff cutter or
any other equipment required for the purpose. Who are eligible?
(1) Individual farmers who are members of the milk procuring societies or located on
milk route
(2) They should be less than 65 years of age .
(3) Individual dairy unit having less than 10 animal - should own minimum 0.25 acre of
land for every 5 animals for growing fodder and be in a position to procure the balance
requirements locally.
(4) Individual dairy unit having 10 animals and above - should own or lease a minimum
of one acre of land for cultivation of fodder for every 5 animals.
Other terms
• Animal purchase should be in 2 batches
• Only buffaloes producing more than 7 litres of milk per day and cows producing
more than 8 litres of milk per day are financed
Animals in first and second lactation alone are eligible for finance LOAN AMOUNT: 100% of the cost for loans uptoRs 50000/
90% of the cost for loans above Rs 50000/ with a maximum of Rs 5 lakhs as Term
loan
WORKING CAPITAL: A working capital @ Rs.2500/- per animal per year may be
Sanctioned for purchase of feed, fodder and medicine along with the term loan
Security
Hypothecation of assets created out of bank finance for loans uptoRs 1.00 lac .For loans Over Rs.1 lac -Mortgage of landed property (or) third party guarantee
Worth for loan amount (or) group guarantee of other 2 dairy farmers. How do you repay
The loan should be repaid in monthly installments’ over a period of 5 lactations.
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9. BROILER PLUS
(Scheme for financing Broiler Farmers under Contract farming) Purpose
Under this scheme loans can be extended to both existing farmers and new farmers
having “Contract Broiler Farming” arrangements for enabling them to construct poultry
shed and feed room and for purchase of equipments Who are eligible for Broiler plus loan?
Those who have experience or undergone training in poultry farming They should have
entered a contract with the companies undertaking broiler production through contract
farming.
ii.The farmers should possess adequate land for construction of poultry shed which
should be at least 500 meters away from any existing poultry farm. Potable water
source should also be available . ECONOMIC FLOCK SIZE:
The minimum flock size should be 5000 birds. However,financing can be done for
10,000 and 15, 000 birds or part thereof.
Loan amount
Upto 75 % of the cost.
UptoRs 3 lacs for every 5000 bird planned to be reared
Maximum loan amount under the scheme will beRs 9.00 lacs per farmer Security:
Hypothecation of assets created out of Bank finance and Mortgage of land on which the
poultry shed and other infrastructure is available
How do you repay
The entire loan should be repaid within 5 years inclusive of a grace period of 6 months,
with installments’ at bi monthly intervals
10. SCHEME TO COVER LOANS FOR GENERAL PURPOSE UNDER - GENERAL CREDIT CARD (GCC)
Purpose
The scheme is to provide hassle-free credit to our customers based on the assessment
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of cash flow without insistence on security, purpose or end-use of the credit. Who are eligible for the loan?
Eligibility:
i. All our existing customers with the branch having satisfactorily conducted deposit
accounts including no frills deposit accounts in our books; say, for the last 6 months, or
so, and / or loan accounts classified as standard assets will be eligible for availing loan
under the scheme.
ii. GCC facility should, however, not be extended to the KCC borrowers. Loan amount Maximum Rs 25000 / Security: Nil How to repay the loan
Account will be in the nature of cash credit. The outstanding amount in the GCC should
be cleared in full when the applicant is fluid with cash which may be at yearly/ half
yearly / quarterly / monthly intervals based on the occupation of the applicant / his
family. In case the entire amount is not repaid a minimum of 20 % of the amount due
along with upto date interest debited should at least be repaid.
11. MINOR IRRIGATION SCHEMES
Purpose
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Loan covers various activities like digging of new wells (open / bore wells), deepening of
existing wells, energisation of wells (oil engine/electrical pump set ),laying of pipelines,
installing drip / sprinkler system and lift irrigation system. Who are eligible?
All farmers having a known source of water available for irrigation purpose are eligible
for the loan. Loan amount
For loans uptoRs 50000/ 100 % of the project cost
For loans above Rs 50000/ upto 85 % of the project cost will be provided as loan
cost
What are documents you need to provide?
(1) Land records
(2) Quotation for the assets to be purchased
(3) An estimate for the civil works to be undertaken
(4) Geologist certificate wherever applicable
(5) Feasibility certificate from the EB Dept Security
A) Where movable assets are not created
(a) UptoRs 10000/ Personal guarantee
(b) above Rs 10000/ Personal guarantee and Mortgage of land
B) Where movable assets are created
(a) UptoRs 50000/ Hypothecation of assets created
(b) Above Rs 50000 Hypothecation of assets and mortgage of land
How to repay the loan Repayment will be in Quarterly / half yearly / yearly installments’ over a period of 5 to 7
years depending on the crops or the liquidity created by the agriculture activity
undertaken.
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12. SCHEME FOR FINANCING SEED PROCESSORS
Purpose
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To extend financial assistance to the seed processors against their receivables due to
them from the seed growers.
Who are eligible? Seed processors / units
• Enjoying good reputation & credit worthiness.
• Holding a valid license from the concerned State Department of Industries for
Installation of Seed Processing Plant.
• Having valid certificate from Seed Certification Department.
• Doing business for the last 3 years.
• Having receivables from the farmers.
• Who have posted profits during the past two years of operation are eligible to avail
credit limits under the scheme.
Loan amount
60 % of the value of the receivables. Minimum Rs 2.00 lacs. No upper limit Security (1) Assignment/hypothecation of receivables from the farmers.
(2) Equitable mortgage of residential/ commercial property worth 1.5 times of the limitsanctioned belonging to either the applicant or the guarantor. How to repay the loan? Loan to be liquidated within a maximum period of 6 months for each crop season
i.e.,Rabi&kharif.
13. CAPITAL INVESTMENT SUBSIDY SCHEME FOR COMMERCIAL PRODUCTION UNITS OF ORGANIC
INPUTS UNDER NATIONAL PROJECT ON ORGANIC FARMING
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Purpose
This scheme is to promote organic farming in the country on a large scale. Under this
scheme manufacturing of organic inputs such as biofertilisers, vermicompost, fruit and
vegetable waste compost are considered.
Who are eligible for the loan Individuals, group of farmers/growers, proprietary and partnership firms, cooperatives,
fertiliser industry, seed industry, Companies, Corporations, NGOs are eligible New as
well as existing units (for expansion / renovation) engaged in the production are eligible
under the scheme. Loan amount 50% of the Project cost as Bank loan
25% of the cost will be provided as subsidy from Government, subject to ceilingCost of the project depends on the location, capacity, technology, invoice prices etc SECURITY Security will be as per norms prescribed from time to time. How to repay the loan? Repayable in 8 – 10 years, with a grace period of 2 years.
14. GRAMIN BHANDARAN YOJNA - CAPITAL INVESTMENT SUBSIDY SCHEME FOR CONSTRUCTION /
RENOVATION OF RURAL GODOWNS
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Purpose
This scheme is for creating scientific storage capacity in the rural areas for storing farm
produce ,thereby prevent distress sale of produce by the farmers after harvest ,by
promoting pledge financing and marketing credit.
Who are eligible for the loan? 1. Individuals / Farmers. quality cum inputs testing laboratories.
2. Proprietary and partnership terms..
3. Co-operatives, Agro-processing co-operative societies.
4. Companies.
5. Corporations, Agro-Industrial corporations.
6. Agricultural Produce Marketing Committees..
7. Group of Farmers/Growers.
8. NGOs
9. Agro-Processing Corporations..
10. Self Help Groups..
11. Marketing Boards etc.
The godown can be constructed / located in any area outside the limits of a Municipal
Corporation area. Rural godowns located in Food Parks promoted by Ministry of Food
Processing Industries are also eligible.
Loan amount Depending on the project cost. Maximum Project cost will be Rs 1500/ to 2000/ per
tonne capacity for construction and Rs 500/ per tonne for renovation NABARD is
providing back end subsidy for the projects financed by the Banks ,depending on the
location and capacity of the godowns
Bank will financeupto 80 % of the Project cost Security Mortgage /charge of Land and godown How do you repay The loan should be repaid in 11 years, with a grace period of one year. Subsidy will be
credited as the final installments .
15. FINANCE TO HORICULTURE
Purpose
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Loans for development of fruit orchards like mango, chikoo, Grapes, pomegranate,
apple, etc., as well as short term crops like banana, pineapple, Flowers in open and
green houses and vegetable crops are financed. Who are eligible?
All farmers having cultivable lands. Loan amount
UptoRs 50000/ 100 % of the cost of the asset / project cost
Above Rs 50000/ upto 85 % of the asset / project is given as loan.
For Short term loans, loans are given under our crop loan / Kisan Credit Card schemes. Documents you need to provide
For Orchard development you need to submit the following:
i) Water and soil testing report
ii) A feasibility certificate from the local Horticulture department
iii) Land records
iv) Quotation /estimates for the costs to be incurred
v) Project Report, if the project is large Disbursement of the loan
Generally disbursements are made directly to the suppliers. Cultivation expenses are
released in stages as per the schedule set in your proposal.
Security
Loan amount uptoRs 50000/ Hypothecation of assets created
Above Rs 50000/ uptoRs
100000
(1) Hypothecation of assets created
(2) Mortgage of land or third party guarantee
Above Rs 100000/ (1)Hypothecation of assets created
(2) Mortgage of lands
How do you repay?
The loan repayment starts after the completion of the gestation period varying from 4 to
7 years for different crops. Repayment commences from the time the crop gives
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economic yield and is linked to the income generation of each crop every year and
varies between 7 to 12 years.
16. KRISHI KALYAN
FARMERS EASY EMPOWERED LOAN (FEEL): “KRISHI KALYAN”
(Combo Product of ACC and PML) Purpose:
• To provide timely and adequate credit to farmers to meet production and
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consumption expenses.• To offer credit against the stocks stored in farmers own premises / godowns/
warehouses/ cold storage, which help farmers avoid distress sale of the produce
& promptly repay the loan dues.• To reduce the multiple process of separate application, documentation & EM
creation for availment of KCC and PML, thereby reduce the time for delivery of
credit.
ELIGIBILITY All non-defaulter and credit worthy farmers – owner cultivators, tenant
farmers, and share croppers, having good track record and cultivating crops , like food
grains( cereals), pulses, oilseeds etc., produce of which could be stored in godowns
/ware houses/cold storage etc., Farmers cultivating fruits and vegetables, in centers
where cold storage facilities are available.
Quantum of Loan:
Total credit limit will be sanctioned, comprising of following components.
Production credit:
Annual Credit needs will be sanctioned, depending on the operational land holdings,
cropping pattern, and scale of finance. Contingency credit:
Contingency credit:
Produce Marketing loan:
Limit depends on the current market price or the MSP fixed by the Government (less
Margin) multiplied by the quantum of stock to be stored. Maximum Limit:
a. Production Credit : No upper limitb. Produce Marketing Loan : Max of Rs 10 lac per borrower.
Margin:
• For Production Credit: 15-20%
• For Produce Marketing loan:
1. sanctioned against goods stored in Farmers own godown 40%2. Loans against warehouse receipt 20-35%
SECURITYLimit up to Rs 1 Lac:
Primary: - Hypothecation of standing crops and / or stocks Stored under produce
Marketing Loan Collateral : - NIL
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Limit above Rs 1 Lac;
I) If the Production credit portion does not exceed Rs 1 lac and Produce Marketing Loan
is against Warehouse receipt (Max Limit Rs 10 lacs)
a) Hypothecation of standing crops and/or Pledge of stocks.
b) Warehouse Receipt (duly endorsed) and Letter from the Warehouse Authorities to the
effect that the stocks covered by WHR will be released only on a written communicationfrom the bank
II)If production credit limit exceeds 1lac & produce loan is against warehouse receipt
(below Rs 10 lac)
a) Hypothecation of standing crops and/ or Pledge of stocks.
b) Mortgage /charge over the land to the extent of Production credit limit.
III)If production credit limit exceeds 1lac & produce stored in Farmers own go-down
a) Hypothecation of standing crops and stocks
b) Mortgage/charge over land
c) Declaration of Stocks from the farmer INTEREST RATE
As applicable from time to time to crop loans. REPAYMENT
Crop Loan (Production Credit) &} Loan amount will be liquidated from Produce
Contingency credit Loan } Marketing loan sanctioned to the farmer
Produce Marketing Loan is to be repaid within a maximum period of 12 months, from
the date of availment of the PML loan, depending on the produce.
17. FINANCING JLG OF TENANT FARMERS
FINANCING JLG OF TENANT FARMERS Objectives:
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• To augment flow of credit to tenant farmers cultivating land either as oral lessees
or sharecroppers and small farmers, who do not have proper title to their land
holding, through formation and financing of JLGs.• To extend collateral free loans to target clients through JLG mechanism.• To build mutual trust and confidence between the Bank and tenant farmers.
Purposes of credit
The finance to JLG is a flexible credit product addressing the credit requirements of its
members including crop production, consumption, marketing and other productive
purposes.
Who should constitute the JLG? • Members should be of similar socio-economic status and background carrying out
farming activities and who agree to function as a joint liability group.
• The group members should not be a defaulter to any other formal financial
institution.
• JLG should not be formed with members of the same family and more than oneperson from the same family should not be included in the JLG.
Size of the JLG
The group should be formed preferably with 4 to 10 members to enable the group
members to offer mutual guarantee. While informal group of upto 20 members could
also be considered, such large groups are found to be not effective in fulfilling mutual
guarantee obligations in the case of farmers.
JLG models:
Model A: The group members are eligible for individual loans on executing an inter-se
guarantee agreement.
Model B: The group is eligible for accessing one loan, which could be combined credit
requirement of all its members. Type of loan
ACC or ATL depending upon the purpose of loan.
Loan limit
Maximum amount of loan available is Rs.50, 000/- per individual both under Models A
and B
Security Norms
No collaterals are obtained. Only mutual guarantee is obtained.
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