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Crop Production |
Banking & Credit :: Nationalized Bank |
Weather |
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Purpose: Cultivation expenses for various crops. Eligibility: Agriculturists, Tenant farmers and Share Croppers and all categories of farmers - Small/Marginal (SF/MF). Loan Amount: Cost of cultivation incurred for each crop per acre of crop cultivated and 9% of the cost of cultivation (Scale of Finance) Documents Need:
For further details Click here 2. PRODUCE MARKETING LOAN SCHEME Purpose: Farmers storing produce in their own premises to prevent distress sale. Eligibility: All categories of farmers availing crop loan from us. Loan Amount: 6% of the value (minimum support price) of the produce stored. Documents Need: Stock statement for valuation. Evidence (personal verification by the bank officer) of Stocks at the residence/godown. For further details Click here 3. LOAN AGAINST WAREHOUSE RECEIPTS / COLD STORAGE RECEIPTS Purpose: Farmers storing produce in private / government warehouse / cold storages against pledge of warehouse / cold storage. The maximum repayment period of the loan is 6 months. Eligibility: All categories of farmers availing crop loan. Loan amount: The loan amount will be 6% of the value (minimum support price) of the produce stored. Documents Need: Only the warehouse receipt issued and signed by the authorized warehouse keeper. The warehouse receipt should be duly endorsed in favor of the Bank. For further details Click here 4. KISAN CREDIT CARD SCHEME (KCC) Purpose: Farmers for their short term credit needs. Eligibility: Farmers with excellent repayment record for 2 years. Farmers who have defaulted in repayment but have liquidated the outstandings are also eligible. Loan amount is decided based on the cropping pattern, ancillary and contingency needs of the farmer for the full year. 9% of the cost of cultivation (Scale of Finance) is given as loan per acre. 10% of the cost is available as loan up to Rs. 50,000/- and 85 % of the cost is available as loan above Rs. 1,00,000/- For further details Click here 5. AGRICULTURAL TERM LOANS (ATL) Purpose: Agricultural term loans are provided for the purchase of assets (farm machinery Bullocks , sheep etc. / creation of assets (orchard development, poultry, dairy development etc.) connected with rural activities under agriculture, horticulture, plantation, sericulture, animal husbandry, fisheries etc., where the loan amount is repayable over a period of time exceeding-3 years. Eligibility: All categories of farmers and agricultural laborers are eligible. Loan amount: Up to Rs.50,000/- 10% of the cost of the asset / project cost is provided as loan. Above Rs.50,000/- upto 85 % of the cost of the asset/project is given as loan. Documents Need: For activities like purchase of bullocks etc there is no need for any documents. For larger amounts of loan, estimate/quotation/project report will be called for . For land based activities you need to produce the land records . For loans above Rs. 25,00no dues certificate from the banks operating in the area will be required. For further details Click here Purpose: Direct finance to cultivators for better productivity. Land clearance(removal bushes, trees, etc.), land leveling and shaping, contour/graded bounding, bench terracing for hilly areas, contour stone walls, staggered contour trenches ,disposal drains, reclamation of saline/alkaline soils and fencing etc. Eligibility: All farmers owning agricultural land Loan amount: Up to Rs. 50,000/- 10% of the cost of the asset / project cost is provided as loan. Above Rs. 50,000/- upto 85 % of the cost of the asset / project is given as loan. Documents Need: The estimated cost, supported by estimates of a civil engineer. For further details Click here Purpose: Irrigation facilities from underground / surface water sources All structures and equipments, digging of new wells (open/bore wells), deepening of existing wells (traditional/in well bore), energisation of wells (oil engine/electrical pump set), laying of pipe lines, installing drip/sprinkler irrigation system and lift irrigation system. Eligibility: All farmers having a known source of water Loan amount: Up to Rs. 50,000/- 10% of the cost of the asset / project cost is provided as loan. Above Rs. 50,000/- up to 85 % of the cost of the asset / project is provided as loan. Documents Need: An estimate for civil works to be undertaken and quotation for the assets to be purchased have to be submitted. Land records to ascertain the title to the property, Geologist certificate and feasibility certificate from the electricity board should also be submitted where relevant. For further details Click here Purpose: Credit for purchase of farm equipment and machinery for agricultural operations.Purchase of tractors and accessories, trailers, power tillers, combine harvesters, power sprayers, dusters, threshers etc. Eligibility: Farmers owning more than minimum acreage of perennially irrigated lands are eligible. Eligibility for purchase of other farm equipment is decided on the income generated by the agri activity undertaken. Loan amount: Up to Rs. 50,000/- 10% of the cost of the asset is provided as loan. Above Rs. 50,000/- upto 85 % of the cost of the asset provided as loan. Documents Need: Quotation for the assets to be purchased. Land records to ascertain cultivation rights title to the property. For further details Click here 9. FINANCING OF COMBINE HARVESTERS Purpose: Purpose of purchase of combine harvesters.
Loan amount: Up to 75 % Cost of combine harvester and accessories. Documents Need: Quotation for the combine harvester and accessories to be purchased. Land records to ascertain cultivation rights title to the property. For further details Click here Purpose: Free term loans to farmers. Eligibility: Farmers with excellent repayment record for at least past 2 years. New farmers with sizeable deposits with our branches for 3 to 4 years. Loan amount Loan amount is fixed on the basis of 5 times annual farm income or 50% of the value of the land mortgaged as collateral security and maximum of Rs.5 lacs. Documents Need: Land records other than that is already given to the Bank viz. like record of rights / encumbrance if required. For further details Click here Purpose: Loan to small and marginal farmers / landless laborers for purchase of agricultural land. Eligibility: Small/marginal farmers, tenants, share-croppers owning less than 5 acres of unirrigated / 2.5 acres irrigated land and landless agricultural labourers, with record of prompt repayment of loans. Own land before and after purchase should not exceed 5 acres unirrigated / 2.5 acres irrigated land. Loan amount: Maximum loan amount under the scheme will be Rs.5 lac. Development of land, irrigation facilities and for cultivation of crops. A farmer will be required to contribute minimum 15 percent of total cost as margin from his own resources. For further details Click here Purpose: Scheme for financing tractor to Rural Youth for custom hiring. Eligibility:
Loan amount:
Documents Need: Land records in the name of your family / applicant (minimum 1 acre) to be submitted. valid driving license. For further details Click here Purpose: To finance commission agents against their receivables of farmers. Eligibility: Commission agents with valid license from the Market Yard / Board. Agents who are in business for the last 3 years. Only Commission agents having receivables from farmers. Loan amount: Maximum of Rs.25 lacs. in form of cash credit. Documents Need: Statement of book debts (not older than 6 months)Land records of the security offered. Commission agent license Audited balance sheet to be submitted. even talk to the marketing officers visiting your village and produce the land documents. For further details Click here Purpose: To finance:
Eligibility: Farmers who are member of milk procuring societies or located on milk route. Owners of small dairy with less than 1milch animals and owning a minimum of 0.25 acres for every 5 animals. Large dairy units with 1milch animals and more owning a minimum of 1 acre of land for cultivation of fodder for every 5 animals. Loan amount:
For further details Click here Purpose: Farmer for construction of broiler sheds any other development work required and equipment needed for broiler farming. Eligibility: Farmers who have entered into a contract with the companies undertaking broiler production through contract farming. Loan amount:
For further details Click here Purpose: Loans for development of fruit orchards like mango, chikoo, Guava, Grapes, pomegranate, apple, lechee etc., as well as short term fruit crops(banana, pineapple etc.), flowers in open and green houses (roses, carnation, chrysanthemums, jasmine etc.) and vegetable crops (potato, tomato, brinjal, gourds, peas etc.) are financed. Eligibility: All-farmers having cultivable lands. Loan amount: Upto Rs. 50,000/- 10% of the cost of the asset / project cost is provided as loan. Above Rs. 50,000/- upto 85 % of the cost of the asset / project is given as loan. For short term loans the loans are given under our crop loan / Kisan Credit Card scheme and the terms applicable under these scheme are applicable for these loans. For further details Click here
Source: http://www.sbi.co.in
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