• Cultivation/ Crop production expenses of short duration crops.
• Annual maintenance of long duration crops/plantation crops/ postharvest expenses.
• Working capital requirements of allied activities like Dairy,Poultry, Piggery, etc.
• Annual maintenance/ repair cost of farm machinery/equipment.
• Maintenance/ repair cost of fencing, soil and water conservation structures.
• Post-harvest expenses.
• Consumption needs of farmers.

• All farmers – Individuals/Joint borrowers who are owner cultivators.
• SHGs or Joint Liability Groups (JLG) of farmers including tenant farmers, share croppers etc.
• Loans under VFPCK scheme.

• Land Tax Paid Receipt
• Possession Certificate
• Title deeds
• Any other documents as required by the bank

Limit

• As per Scale of finance for the crop as decided by the District Level Technical Committee (DLTC) plus crop insurance premium. 15-20% increase over scale of finance may be considered on merit.

Margin

• No separate margin stipulated, as the same is inbuilt in Scale of Finance.

• Upto Rs.1 lakh : Hypothecation of crops/farm assets
• Above Rs.1 lakh: Hypothecation of crops/farm assets and equitable mortgage of landed property valued 150% of loan amount
• Security norms for KCC granted to SHGs & JLGs shall be as per respective schemes.

• Tenable for 5 years
• Review is to be conducted every year.
• Each withdrawal shall be repaid within one year from the date of such withdrawal.
• Interest applied is due for payment on review date.

• For Deposit interest rates Click here.
• Please visit Service charges Click here