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| SCHEMES FOR AGRICULTURE AND RURAL DEVELOPMENT BY VARIOUS BANKS | |
| KISAN CREDIT CARD SCHEME | |
| ELIGIBILITY | All agriculturists who are in need of short term production requirements. |
| PURPOSE | To provide hassle free short-term credit to farmers on the basis of their land holdings for purchase of inputs and draw cash to meet their production needs. i.e. Cultivation expenses including allied activities with a consumption component. |
| AMOUNT OF LOAN |
Minimum Rs.10,000 and Maximum Rs.20 lakh. |
| LOAN TO FARMERS FOR PURCHASE OF LAND FOR AGRICULTURAL PURPOSES | |
| ELIGIBILITY |
Small and Marginal farmers - land maximum upto 5 acres of non-irrigated land or 2.5 acres of irrigated |
| PURPOSE | To finance small and marginal farmers, share croppers, tenant cultivators for purchasing land to expand activities and to make existing small and marginal units economically viable to bring fallow lands and waste lands under cultivation to step up agricultural production as well as productivity also to finance share croppers / tenant farmers to enable them to diversify farming activities to allied areas to increase their income. |
| AMOUNT OF LOAN |
Maximum Loan amount Rs. 5.00 lacs |
| FARM MECHANISATION | |
| ELIGIBILITY | Farmers/ planters cultivating sizable land, capable of servicing the bank loan |
| PURPOSE | Financing of tractors/ power tiller, trailer, tillers, harvester, thresher, sprayers, cultivators, combine harvesters, generator sets, lift irrigation units, installation of pump sets, drip/ sprinkler irrigation systems etc., |
| AMOUNT OF LOAN |
Minimum Rs.10,000 and Maximum Rs.20 lakh. |
| AGRICLINICS AND AGRIBUSINESS CENTRES | |
| ELIGIBILITY | Graduates in Agriculture and subjects allied to agriculture. |
| PURPOSE | Extension of equal opportunities to all eligible agricultural graduates to undertake economically viable ventures in identified areas through a network of AGRI-CLINICS and AGRI-BUSINESS CENTRES in which the applicant graduate would be stake holders. |
| AMOUNT OF LOAN |
Up to Rs.10 lakh for individuals and up to Rs.50 lakh for groups (normally of 5 of which one shall be MBA graduate). |
| ADVANCE AGAINST WAREHOUSE RECEIPT | |
| ELIGIBILITY | Farmers / traders depositing farm produce in the warehouses of the central / state warehousing corporations. |
| PURPOSE | a. To protect the farmers from the compulsion to sell their produce immediately after harvest of produce despite an adverse market. b. To finance farmers and traders against warehouse receipt. |
| AMOUNT OF LOAN |
70% of the value of the warehouse receipt, valued at the market value or 70% of the market price advised by Agri. Dept, |
| DIFFERENTIAL RATE OF INTEREST SCHEME (DRI) | |
| ELIGIBILITY | Family income should not exceed; Rs.6400 p.a. in rural/ semi urban areas; Rs.7200 p. a. in urban areas. Land holding should not exceed 1 acre irrigated or 2.5 acres unirrigated land. There is no ceiling for SC/ ST members. |
| PURPOSE | To provide credit to weakest among the weak to set up small productive ventures. |
| AMOUNT OF LOAN |
Maximum Rs.6500 inclusive of Rs.1500 for working capital needs. |
| Kisan White Card Scheme For Dairy Development | |
| ELIGIBILITY | (I) Individual borrowers undertaking dairying as subsidiary activity (ii) Individual borrowers undertaking commercial dairy as main activity |
| PURPOSE | 1. Purchase of Animals: Financing individuals for purchase/rearing of good quality high yielding milch animals, viz., cows/buffaloes or cross bred cows for milk production. 2. Construction of Shed: Financing for construction of animal shed. 3. Hi-Tech commercial dairy units: To set up new Hi-Tech commercial dairy units & also for extension of the existing dairy units 4. Modern Machinery: To purchase the modern machinery for diary development and improving the profitability. 5. Transportation Vehicle: To Purchase transport vehicle for transportation of milk and its by product i.e. two wheeler, four wheeler, refrigerated van etc. 6. Working Capital: To meet out yearly requirement of green fodder, dry fodder, animal feed, labour charges and miscellaneous expenses such as veterinary expenses, electricity & water. |
| AMOUNT OF LOAN |
Minimum Rs.50,000/- and maximum Rs.10.00 lacs. |
| SCHEME FOR FINANCING POULTRY FARMING | |
| ELIGIBILITY | Small farmers, landless agricultural labourers or any other persons who are under-employed and intend to supplement income through poultry. |
| PURPOSE | Scheme for financing poultry farming provides for investment credit for construction of sheds and purchase of equipments on the one hand and production credit for purchase of day old chicks, feed, medicines, etc., on the other hand. Financial assistance shall be made available to the intending borrowers as under: - For subsidiary activity: Investment credit will be provided in the shape of medium term loan for acquiring fixed assets whereas production credit will be given to meet the working capital requirements in the shape of Short Term Loan. For main activity: Investment credit will be provided as medium term loan whereas production credit will be given either in the shape of cash credit limit or as an integral component of investment credit. |
| AMOUNT OF LOAN |
Need-based |
| SCHEME FOR FINANCING DEVELOPMENT OF HORTICULTURE | |
| ELIGIBILITY | Individual farmers or group of farmers with stipulated land holding , and Public Sector Undertakings or private firms desirous of seeking financial assistance for plantation of fruit trees or other economic plants on project basis. |
| PURPOSE | For establishment and development of new orchards or groves of fruit crops, plantation crops, ornamental crops, medicinal plants, essential oil/aromatic plants etc, rejuvenation of existing orchards or plantation, raising vegetables ,raising flower crops, inter-cropping in horticultural crops, Marketing loan to meet picking, grading, crating, forwarding and transportation costs etc.. |
| AMOUNT OF LOAN |
Need based |
| SCHEME FOR FINANCING FISHERIES DEVELOPMENT | |
| ELIGIBILITY | Loan assistance is extended to farmers, individuals, co-operative societies, companies, association of persons who have adequate know-how and necessary infrastructural facilities for implementation of the scheme |
| PURPOSE | For Construction/renovation of ponds/tanks., construction of sluices, purchase of fish prawn, fry and fingerlings/ fish seed/ prawn seed, purchase of inputs like oil cake, fertilizers, organic fertilizers and other feed materials upto the first harvest, purchase of nets, boxes, baskets, ropes, shovels, hooks and other accessories etc |
| AMOUNT OF LOAN |
Need based |