Agriculture Documents
AB-1 – Agreement for Hypothecation
AB-2 – Guarantee Deed
AB-3 – Mortgage Deed
AB-4 – Revival Letter (Borrower)
AB-5 – Revival Letter (Guarantor)
AB-6 – Notice to Borrower
AB-7 – Conversion of Crop Loan to Term Loan
Revolutions Cultures
Blue Revolution – Fish Aquaculture- Shrimp/Prawn farming
Green Revolution – Food Apriculture- Mushroom cultivation
Red Revolution – Meat Apiculture- Bee keeping
Yellow Revolution – Oil Seeds Floriculture- Flower production
Black Revolution – Rubber Horticulture- Vegetable, fruits, flowers
Brown Revolution – Cocoa Olericulture- Vegetable production
Rainbow Revolution – Flower Moriculture- Mulberry cultivation
White Revolution – Milk Pisciculture- Fish farming
Sylviculture- Forest tree cultivation
Vermiculture- Rearing of Earthworm
Sericulture- Silk Production
Tissue Culture- Plant propagation
Ground Water Level
White Block – Water uses less than 70% (of ground level)
Grey Block – Water uses 70-90% (of available water)
Dark Black – More than 90% of water used.
Spacing Norms
1 Dug-Well covers area = 90 Meters
1 Bore well /Tube well covers area = 125 Meter
1 Pump set covers area = Nil
Then,
Space Between Two Dug-well (90+90) = 180 meters
Between Two Dug-well & 1 Pumset (90+90) = 180 meters
Between Two Bore-well & 1 Pumset (125+125) = 250 meters
Between one Dug-well & one bore-well (90+125) = 215 meters
Space between 2 Pump sets = (0+0) = 0 Meters
Farmer Type Wet Land Dry Land
Marginal Farmer 1.25 acre 2.50 acre
Small Farmer 2.50 acre 5.00 acre
Agricultural labourer- Land holding up to 0.5 acre of land or having a home-stead; should have
income of more than 50% by way of agricultural wages
Collateral (Mortgage of land) NOT required for Loan upto = Rs. 1 Lac
Accordingly Upto Rs. 1 Lacs = AB-3 (Deed of Mortgage) Not needed
Rabi Season (October to March) = Repayment in 31st July; Kharif Season (April to September) =
Repayment in 31st January
Crop Loan Insurance (PMFBY) Branch gets commission @ 4% of the premium
Crop Loan Insurance (PMFBY), Premium for Kharif- 2% Rabi-1.5% Horticulture- 5%
Crop Loan Insurance (PMFBY), Cut-off date for premium = 31st July & 31st December
Cut-off date for uploading soft-copy of the details of individual insured farmers within 15 days
after cut-off date of premium collection.
RBI has dispensed with obtention of ‘No Due Certificate’ (NDC) from individual borrowers
(including SHGs &
In ATL above Rs.2.00 lacs, Atleast 20 PDCs / cheques covering the full / remaining repayment
period, whichever is less.
Collateral security waived up to = Rs. 1.00 Lacs
In tie-up (Contract Farming), Collateral security waived up to = Rs. 3.00 Lacs
A bank will be eligible for unrestricted refinance by NABARD only if the gross NPA to total loans
and advances as at previous March ended has not exceeded 15%.
DCB (Demand Collection Balance) register is maintained = 30th June every year.
Interest Subvention claims are to be submitted Twice in a year i.e. on 30th September & 31st
March.
Additional Interest Subvention (3%) claims are to be submitted yearly i.e. on 31st March.
(Applicable for loan upto Rs. 3 Lacs)
The concept of weaker sections was evolved by Ghosh Committee
SELF HELP GROUPs: Recommended by Kalia Committee.
SHG - A voluntary association of 10-20 persons with common interest, (In difficult area minimum
no. of members 5)
Finance up to a max of 4 times the savings of SHG, up to Rs. 50000/- per SHG member.
Self Help Groups where all members are undertaking SME activities or majority, say, 90% members
are taking up SME activities are to be classified under SME segment.
Service Area Approach had been recommended by the Ojha committee in 1989. (applicable in
Govt Sponsored Scheme).
The operational area of the branches for financing under schemes other than GSS, should be:
(a) ADBs/DBDs – Within a radius of 50 km.
(b) Other branches- within a radius of 20 km
.
The Branches have to submit LBR (Lead Bank Return)
(a) LBR 1- Annual statement showing annual target under the plan
(b) LBR 2- Month wise disbursement under the credit plan
(c) LBR 3- Half yearly recoveries and outstanding Loans & LBR U1/U2/U3 are submitted by branches
located in urban areas
Agriculture Segment Products
Kisan Credit Card (Revised)
Collateral:-
Upto Rs. 1 Lacs – NIL
> Rs.1 Lacs – Mortgage of land
Loan Amount : No Minimum; No Maximum
Age- 18-70 Years
Short Duration (say up to 12 Months); and Long Term (say 12-18 Months)
Scoring Model:- 71 & above (Clear Sanction); 26 to 70 (May be considered); But score less than 26-
Decline
Facility – ACC (Agriculture Cash Credit)
Margin – NIL PROCESSING FEE = upto 3.00 LACS - NIL
Marginal Farmer = Rs. 10000 to Rs. 50000 as flexi KCC based on land & crop pattern + small TL
investment
Other than Marginal Farmers = loan based on Maximum Permissible Limit (MPL)
Validity = KCC Limit is valid for 5 years, subject to annual review. Branches shall, therefore, ensure
to obtain revival letters before expiry of 3 years.
Rate of interest for KCC account is based on the Maximum Drawing Limit
Security document if loan limit above Rs.1.00 lakh
KCC is in the nature of revolving cash credit. Credit Balance in the account is eligible for receipt of
interest at Savings Bank rate
Simple interest will be applied on due date or for one year whichever is earlier
In case of non –payment of loan within the prescribed repayment due date, interest will be applied
at card rate, beyond the repayment due date, compounded at half yearly rests
TAT = 3 days from completion of all documents
Service Area Concept will not be applicable
Margin is included in (SOF-Scale of finance)
Concession in rate of Interest @ 0.50% if Loan above Rs. 3.00 Lacs
Personal Contact to the farmer, if KCC remains overdue above 3 days.
Repayment due dates based on cropping pattern are as follows
Cropping patter Repayment due date
Kharif (April to September) Monocrop Date fixed by SLBC/DTC or 31st January
Rabi crop ( October to March ) Monocrop Date fixed by SLBC/DTC or 31st July
Short Term (Multi Crop) Date fixed by SLBC/DTC or 12 Months from the date of first DISBURSEMENT
Long Term crops (one crop) Date fixed by SLBC/DTC or 12 Months from the date of first
DISBURSEMENT
KRISHAK UTTHAN YOJANA
Maximum Loan = Rs. 1.00 Lacs
Validity = 3 Years (annual review)
No Security ; No Margin
Facility for tenant farmers, landless farmers, share croppers and oral lessee, who don’t have
recorded land.
Disbursement : 20% instant on sanction & rest 80% after ensuring end use of funds.
Migratory tillers are not eligible under the scheme.
Joint Liability Group
Group of 4-10 Members
More than one person from the same family should not be included in the same JLG
NABARD provides grant assistance to Bank for formation, nurturing and financing of new JLGs @
Rs.2, 000 per JLG
Maximum Loan amount of loan may be restricted to Rs.50,000 per individual
Margin = NIL
Score = 6/10
NABARD will provide 100% refinance assistance under investment credit.
Agri Gold Loan
Facility = DL / CC / OD
LTV % = 75% i.e. (Margin = 25%)
Repayment = CC/OD = 3 years; & DL – 2 or 3 months after harvesting but not later than 1 year
Processing Fee = Upto Rs. 25000 = Nil
Collateral value = 135% of Advance value (Value of Ornaments always be 135% of outstanding)
GOLD Retention Limit is reviewed by competent authority every year in JANUARY
Gravity Test Formula :- 19.3= X / (X-Y) (Gravity of 24 Caret Gold is 19.3)
Assessment upto Rs. 50000/- generally done by Cash Officer; above Rs. 50000/- by reputed Gold
appraiser. In Hyderabad/ Chennai / Kerala circle it is beyond Rs. 1.00 Lacs
Quality / purity of Gold rests with : CASH OFFICER
Weight / No. of items of Gold Ornaments rests with : JOINT CUSTODIAN
Produce Marketing Loan (PML)
To help farmers avoid distress sale of their produce & to enable prompt repayment of crop loan
dues and provide liquidity to farmers to meet contingency needs
LOAN = Max. 50 lacs (Repayable within 12 Months)
Margin = 40% in all case (except WHR issued by Collateral Managed warehouses)
No Cash Disbursement for loan beyond Rs. 20000/- (Only to Account)
Inspection: For Loan up to Rs. 25000/- (Once in Two Months i.e. Bi-monthly)
Inspection: For Loan above Rs. 25000/- (Monthly, if stored in own house / warehouse )
Scoring Model = 30/50 (In case score is 25/50, sanction may be granted by next higher authority)
The interest subvention @ 2% is available on PML for a period of 6 months for Loan upto Rs. 3.00
Lacs to Small and marginal farmers having KCC.
Collateral:
(a) Farmers own warehouse: Waived upto Rs. 1.00 Lacs (Above 1.00 Lacs Mortgage of Land)
(b) Other than above: Waived upto Rs. 10.00 Lacs (Above 10.00 Lacs Mortgage of Land)
(c) WHR Issued by Collaterally managed Warehouses: Fully Waived
ARTHIAS PLUS
For Financing Commission Agents / Arthias against their receivables from farmers.
Facility : Cash Credit (Hypothecation of Book debts not older than 6 months)
Max Loan = Rs. 50 lacs; MARGIN = 40%
Collateral = Up to Rs. 25000/- (1.5 times of the advance as Equitable Mortgage)
Collateral = Above Rs. 25000/- (2 times of the advance as Equitable Mortgage)
Repayment = Max 6 Months
KISAN GOLD CARD (KGC)
Quantum of Loan: 5 times the annual farm income / 50% of the value of land (to be) mortgaged as
collateral security, whichever is less, with a maximum of Rs. 10 lakh minus term loan outstanding
if any at the time of application.
Max- 10 lacs (Facility - ATL only)
Margin: Investment Purpose: 10% Consumption Purpose: 30%
Disbursement: 80% for Investment Credit (Other than Purchase of land, Construction of farm
house and Purchase of tractor & its accessories)
Disbursement: 20% for Consumption Needs
Validity = 1 year from sanction
Repayment = For Normal Activity – 6 to 7 years
Repayment = For Horticulture – 9 years
ASSET BACKED AGRI. LOAN (ABAL)
Loan Amount : 5 times of farm/non-farm Annual Income OR 65% of the value of land/building to
be mortgaged whichever is less.
Minimum - Rs. 3.00 Lacs
Maximum - Rs. 200.00 Lacs
Facility : Drip-line OD Only for Medium & large farmers
Margin – 15-25%
LTV – 65%
Collateral Coverage– 155% of Loan amount
EM/RM of SARFAESI Compliant immovable property
Property within the radius of 25 KMs. from the branch
Only 1st charge on immovable property
Processing Fee: 1.00 % of loan amount. Maximum Rs. 2.00 Lacs
Repayment : 1 to 6 years
Inspection: Half-yearly
Interest Subvention NOT available.
13(2) notice under SARFAESI to be served at the date of NPA, if not repaid.
Schemes & features Modified New Tractor loan Stree Shakti Tractor Loan Tatkla Tractor Loan
Dairy Society Plus
Loan = 4 X the average profit of last 2 years (Maximum Rs. 10.00 Lacs)
Out of Loan of Rs. 10 Lacs, Bifurcation of Finance under:-
(a) Milk House / Society Office = Rs. 2 Lacs
(b) Automatic Milk collection system = Rs. 1 Lac
(c) Milk Transportation = Rs. 3 lacs
(d) Chilling Unit = Rs. 4 Lacs
Margin = 15%
Repayment = 5 Years with gestation /Moratorium period of 6 Months
Collateral = Mortgage of land / Guarantee of Dairy Union
Dairy Plus
Maximum Age = Less than 65 years
Having Animals LESS than 10 = 0.25 acre land for every 5 animal for growing green fodder
Having Animals MORE than 10 = 1 acre land for every 5 animal for growing green fodder (Either
Own / lease)
Loan Amount = Max- 5 Lacs
Working Capital = Rs. 2500/- per animal per year
Margin = Loan upto Rs. 1.00 Lac = NIL
Margin = Loan above Rs. 1.00 Lac = 10%
Repayment = 5 Years + Gestation /Moratorium period of 6 Months
New Dairy Products under Tie-up
Maximum Age = Less than 65 years
Having 0.5 acre land for every 5 animal for growing green fodder
Finance for 4 Milch cattle (Without Margin)
Margin = NIL (Only 10% kept as TDR)
Collateral =Up to Rs. 1.00 Lac= NIL
> Rs. 1.00 lac to Rs. 3.00 Lacs = 20% (10% as TDR + 10% in Others)
> Rs. 3.00 lacs = 35% (10% as TDR + 25% in Others)
Minimum Score : 25 & Above
Repayment = 5 Years (Including 1 Month Moratorium)
PAI of Rs. 2.00 Lacs Mandatory
5 Years Insurance of New Cattle by Applicant
POLY House
Facility = Both TL / ACC / KCC
Term Loan (for cost of construction / purchase of machinery)
ACC (for cultivation of vegetables / crops)
Loan Amount = Cost of Project – Margin
Margin = 15%
Collateral = Upto Rs. 1 Lacs – NIL & More than Rs.1 Lacs – Mortgage of land
Credit Score = 50 & Above
Minimum Size of Unit = 1000 Square Meters
TAT = 7 days
Solar Photovoltaic Water Pump
Loan = 80% of (Cost + Insurance)
Margin = 20% of (Cost + Insurance)
Subsidy = Upto Max- 5 H.P.
Back end subsidy = in form of Zero rate TDR for 3 years locking period
Credit Score = 50 & above
Repayment = 10 Years
FEEL (Farmer Easy Empowered Loan) (Krishi Kalyan)
Combination of KCC + PML
Max Loan amount = (a) Production Credit - No Upper Limit
(b) PML - Rs. 25 Lacs per borrower
Margin = (i) Production Credit (a) If Scale of Finance is available – NIL
(b) If cost of cultivation is available (Then Above Rs. 1.00 Lac) = 15 to 25%
(ii) PML = 40%
Repayment = Crop loan to be liquidated out of PML and PML to be liquidated within 12 Months.
Stock Statement = Bi-Monthly
General Credit Card
Limit = Rs. 25000 (Max.)
Validity = 3 Years (Annual review)
Revolving CASH CREDIT
SHG Credit Card
Min- Rs. 50000/-
Max- 4 X Corpus of SHG as CASH CREDIT
No Margin
Validity = 3 Years
SHG Gold Card
Minimum Rs. 2.00 Lacs as TERM LOAN
No Margin
Validity = 3 Years
Broiler Plus under Tie-up
New Farmer – Minimum flock size = 6000 birds
Existing Farmer – Expansion of 6000 addition birds Total 6000 to 12000 birds
Repayment to begin from the 7th month of disbursement (5 repayment cycle in a year)
Moratorium = 6 Months
TAT = 7 days
Facility = ATL
Margin = New (NIL) – Only Cash Collateral 25%
Margin = existing (NIL) – Only Cash Collateral 20%
As TDR with card rate and interest will be credited in loan account (on quarterly basis)
Collateral = 50% of Loan Amount
Credit Score = 25 & above
PAI is mandatory
Broiler Plus
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 be ensured.
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. A model scheme has also been circularized by the
Bank
New Farmer – Minimum flock size = 6000 birds
Rearing Period of birds : 7 weeks
Repayment = 5 years inclusive of Moratorium of 6 Months
Facility = ATL
Maximum Loan : Rs.9.00 lakh per farmer
Margin = 25%
Collateral = 50% of Loan Amount
Credit Information Report
When Secured Loan When Unsecure Loan
Up to Rs. 3.00 Lacs = Only ONE CIR Up to Rs. 1.00 Lac = Only ONE CIR
Above Rs. 3.00 Lacs = Two CIR Above Rs. 1.00 Lac = Two CIR
