1. BARODA KISAN CREDIT CARD (BKCC)
Objective :
Empowering the farmer
Purpose:
Purchase of quality inputs, investment requirements like purchase of agriculture implements/tractor etc, farming expenses towards farm maintenance, unforeseen family expenses (consumption) and maintenance of non-farm activities.
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2. AGRICULTURAL IMPLEMENTS
T he mode of finance covers activities for purchase of indigenous and improved agriculture equipments/ implements such as sprayers, dusters, hand tools such as khurpi, sickles, secatures, etc, threshers, winnowers, seed-cum-fertilizer drill and bullock or camel and or animal drawn cart etc.
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3. AGRICLINICS AND AGRIBUSINESS CENTERS BY AGRICULTURE GRADUATES
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Agriclinic:
To provide expert advice to farmers on cropping practices, technology dissemination, crop protection from pests and diseases, market trends and prices of various crops and clinical services for animal health to enhance the productivity of crops/animals.
Agribusiness:
These centers to provide a package of soil testing input testing transfer of technology and extension services to farmers.
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4. FINANCING AGENCIES PROVIDING CUSTOM SERVICES TO FARMERS
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Tractor, bulldozer, fixed wing aircrafts and helicopter with accessories for aerial spraying, drill rig for boring wells, drilling tube wells, equipment for construction of wells, lift irrigation, purchase of combine harvester, thresher for hiring on custom basis, construction of godown, warehouse to provide storage facility on rental basis, purchase of truck for transporting agriculture produces to farmer on hiring basis, acquiring milk tankers for transporting milk, establishing curing barn for tobacco, working capital finance to organization/ institution providing such services etc.
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5. DAIRY, POULTRY, ETC.
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Capital expenditure and working capital requirement of units engaged in dairy, piggery, poultry, sericulture and rearing of sheep, goat and camel, for construction of animal sheds, pig house, poultry sheds, purchase of milch animal, pig breeding ,chicks, layers, equipment/ machinery / transport vehicle for purchase of feed and to meet other expenditure e tc.
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6. DEALERS OF AGRICULTURAL INPUTS
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Distribution of agricultural inputs such as seeds, fertilizers, insecticides, cattle /poultry feed, fishing net , sprinkler/drip irrigation machinery, spare parts of oil engine/tractor/fishing boats, tools required for poultry/horticulture etc.
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7. PROVIDING EMPLOYMENT TO UNEMPLOYED TECHNICAL PERSONNEL THROUGH AGRO SERVICE CENTERS
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Providing custom service by way of ploughing, discing, leveling, threshing, hiring of agriculture implements , equipments and pump sets, distribution of seeds, fertilizer, diesel oil, drilling of well, sale of spare parts, repairs to agriculture implements, equipments farm machineries etc.
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8. FARM PRODUCE MARKETING LOAN
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To provide finance to farmer against pledge of receipt issued by state, central govt. ware houses as well as receipt issued by owners of private regd. Warehouse, godown and cold storages.
Objective:
- To provide liquidity to the farmers.
- To enable farmers to hold on their produce during the period of bumper crop harvest when market price are ruling at the lowest.
- To facilitate agriculturist to realize remunerative price by selling their farm produce during off- season when market is ruling high.
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9. FINANCING CONSTRUCTION OF FARM BUILDING AND STRUCTURES
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Construction and repair of farm building and structures viz., bullock shed, tractor and truck shed, farm store , godown and farm silos, threshing yard, gur making shed. Proposal for dairy building, cold storages plants are also considered.
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10. FINANCING SCHEDULED CASTE/SCHEDULED TRIBES
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Purchase of farm implements, tools, pairs of bullocks, creation of irrigation facilities by way of digging of well, installation of pum pset etc.
Finance can also be extended to those, who may not be allotted land, for carrying subsidiary occupation like milch animal, poultry, sheep, goats, pig rearing, bee-keeping, sericulture, fishery.
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11. IRRIGATION POTENTIAL
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Construction of surface well, deepening, renovation of existing wells, purchase of oil engine/electric motor an d pump set, construction of shallow and deep tube wells, leveling of land for irrigation, construction of bandharas , sprinkler irrigation, drip irrigation and boring of well etc.
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12. CONSTRUCTION / EXPANSION / MODERNISATION / RENOVATION OF RURAL GODOWN
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The scheme envisages construction and management of godowns with capacities ranging from above 200 MTs b y cooperative societies, market committees, state warehousing corporations, individuals under agreement from FCI/ state warehousing corporations.
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13. DEVELOPMENT OF HORTICULTURE
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Terracing, bunding, leveling, kyari preparation, drainage lay out and reclamation of saline, alkaline and ravine lands.
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14. FINANCING SECOND HAND TRACTORS
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Farmers engaged in dry land farming or having small land holding who can not afford to purchase first hand tractor, can now obtain finance for second hand tractor under this scheme.
The mode of finance covers activities for purchase of second hand tractor with max. loan amount of Rs 2 lacs:
Purchase of second hand tractor up to 80% of the value assessed or Current market price of new tractor of same model/manufacturer minus depreciation @12% p.a. at straight line method. 
plus
expenses for repairing not exceeding Rs 50000/- as per estimate.
plus
Equipment cost (depreciated) if not considered in valuation mentioned above.
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15. TRACTORS AND HEAVY AGRICULTURAL MACHINERY
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The mode of finance covers activities for:
- purchase of new or second hand tractor,
- tractor drawn implements,
- power tiller and other agriculture machines etc.
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16. CULTIVATION OF CROPS
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Agriculture being the back bone of the Indian Economy, Bank of Baroda has contributed significantly in accelerating the pace of rural development by providing finance to farmer for purchase of agricultural inputs and other expenses of raising of crops.
Eligibility
Progressive, literate and illiterate farmers who are owner of land, cultivators, permanent tenants or leaseholders (for reasonably long period) or share croppers.
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17. DEVELOPMENT OF HORTICULTURE
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Eligibility
All persons engaged in raising fruit gardens, plantations and nursery crops as owners of land or permanent tenants or as lease holders (for reasonably long period).
Nature Of Facility
Term loan for capital expenditures & Cash credit for working capital requirements.
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18. LAND DEVELOPMENT
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The mode of finance covers activities of terracing, bunding, leveling, kyari preparation, drainage lay out and reclamation of saline, alkaline and ravine lands.
Eligibility
All persons engaged in raising crops, fruit gardens, plantations and nursery crops as owners of land or permanent tenants or as lease holders (for reasonably long period).
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19. SCHEME FOR LOAN AGAINST GOLD ORNAMENTS / JEWELLERY
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Loan against pledge of gold ornaments is available for advances under priority sector. The scheme been implemented through selected branches all over the country. The gold ornaments / jewellery must belong to the persons pledging them and he/she must be a local resident and preferably an account holder of the branch. In case there is no account, the identity, address, introduction etc of the person should be provided to the satisfaction of the branch.
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20. SCHEME FOR PURCHASE OF AGRICULTURE LAND
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Scheme For Financing Small And Marginal Farmers Including Share Croppers And Tenant Cultivators For Purchase Of Agricultural Land As Well As Fallow And Wasteland For Agriculture Purpose.
Eligibility
(i.)Small and Marginal farmers i.e. those who would own maximum of non irrigated or irrigated land (including purchase of land under the scheme) as stipulated by NABARD (ii.) Share croppers/Tenant farmers
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Source: http://www.bankofbaroda.com
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