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Comprehensive One Time Settlement Package in lieu of Employees Pension Scheme of the Bank implemented in compliance of orders dated 29.11.2013 passed by  Hon’ble Punjab & Haryana High Court. .......Read More


The Bank provides Long Term Loans at Simple Rate of Interest for Agriculturists and Non Agriculturists for a number of purposes.


PLANTATION & HORTICULTURE

Under this scheme, loan is given for grape cultivation,fruit orchards, floriculture and Aromatic plants (like Rose,Tuberose etc.) by the Primary Banks as under:-

 

                                                                   Annual Cost (%)                            Amt. in Rs                     

Activity

Unit Size

Year wise Capital Expenditure

Repayment Period (Years)

Instalment

Grace Period (years)

1

(%)

2

(%)

3

(%) 

4

(%) 

5

(%) 

TOTAL COST

Citrus

Acre

60

10 10 10 10

40000/-

10

Yearly

5

Guava

Acre

70

10 10 10 -- 36000/-

10

Yearly

5

Peach

Acre

70

10 10 10 -- 40000/-

10

Yearly

5

Ber

Acre

70

10 10 10 -- 36000/-

10

Yearly

5

Pear

Acre

70

10 10 10 -- 40000/-

10

Yearly

5

Mango 

Acre

60

10 10 10 10 52000/-

12

Yearly

5

Grapes

Acre

95

5 -- -- -- 3,90,000/-

10

Yearly

3

Floriculture

Acre

100

--

--

--

--

4,30,000/-

6

Yearly

1

Aromatic & med. plants

-- -- -- -- -- -- 1,20,000/- 6 Yearly 1

Nurseries

Hectare 100         6,25,000/- 6 Half yearly  

Poly House

3400 Sq. mt. area           5,00,000/- 6 Half yearly 1

 

CONDITIONS

  • The orchard should be of a minimum of 1 acre. Provision of water should be there.
  • For floriculture, Poly House and Nursery, the Application /Project Report shall be prepared by the Horticulture Department
  • Agriculturist should either have his own land of atleast 3 acres or should have other sources of income so that till the fruits are grown, he can sustain himself.
  • Plants shall be bought from Horticulture Department approved Nursery or Government Nursery.
  • Amount which has to be paid for buying the plants shall be disbursed from the loan straight to the Nursery.
  • After proper utilisation of the first installment of loan, the second installment shall be disbursed. 

 

NEW SCHEME

AMLA
Aonla (Emblica officinalis) is a very hardy, prolific bearer and highly remunerative even without much after care. Aonla is the richest known natural source of vitamin. Its juice contains 20

aonlaaonla

times as much vitamin C as orange juice. Aonla is known for its pharmaceutical properties.
            It is a wonder herb and one of the precious gifts of nature to man. It is the best of all acid fruits and most useful for health and body rejuvenation and prevents aging. It's mineral and vitamin contents include calcium, phosphorus, iron, carotene, thiamine, riboflavin and vitamin C. Its calorific value is 58. 100 g of fruit provides 470 to 680 mg of vitamin C. The dehydrated berry provides 2428 to 3470 mg of vitamin C per 100 g.
          
            The use of aonla in such ayurvedic preparations as Chyavanprash, Triphala and Ashokrishta is age-old. The fruits can be made into preserves, sauce, dried chips, tablets, jellies, pickles, toffee, powder etc. It is also used in pharmaceutical and cosmetic products such as hair oil, shampoos, chavanprash, etc. The ascorbic acid and other constituents are well retained even in dried form of amla fruits.
            It boosts immune-system; The most important ingredient of century-old Ayurvedic medicines; fresh fruits rich in vitamin C are good live tonic, refrigerant, cooling, blood purifier and anti-diabetic; useful in jaundice, anemia, heart complaints, dyspepsia and indigestion; seeds used to treat diabetes, asthma, bronchitis and stomach disorders.

Under this scheme, loan shall be sanctioned according to the following:-

  • Unit cost of the loan shall be Rs. 1,20,000/- per acre.
  • Margin money 15%.
  • Loan shall be repaid in half yearly installments.
  • Grace period shall be 1 year.