Bank disburses loans to the ultimate borrower, for the following main schemes from time to time:-

S.No | Name of the scheme | Repayment period (inclusive of Grace/gestation Period) | Gestation Period | Grace Period | Mode of Repayment of Loan |
---|---|---|---|---|---|

MINOR IRRIGATION | |||||

1. | Borewell with Pumpset | 9 Yrs | - | - | 9 Yearly equated Installments |

2. | Tubewell | 9 Yrs | - | - | 9 Yearly equated Installments |

3. | Tubewell with Pumpset | 9 Yrs | - | - | 9 Yearly equated Installments |

4. | Replacement / Renovation of Tubewells | 9 Yrs | - | - | 9 Yearly equated Installments |

5. | Purchase of Pump Set | 9 Yrs | - | - | 9 Yearly equated Installments |

6. | Drip Irrigation | 9 Yrs | - | - | 9 Yearly equated Installments |

7. | Sprinkler Irrigation System | 9 Yrs | - | - | 9 Yearly equated Installments |

8. | Rain Water Harvesting Scheme for SC / ST farmers | 9 Yrs | - | 2 Yrs | A) Interest to be recovered yearly during the Grace Period in 2 yearly installments. B) Balance in 7 Yearly equated Installments |

9. | Solar Photovoltaic Water Pumping System | 10 Yrs. | 10 Yearly equated Installments | ||

LAND DEVELOPMENT | |||||

10. | Soil Conservation | 10 Yrs | - | 1 Yr. | A) Interest to be recovered yearly during the Grace Period. B) Balance in 9 Yearly equated Installments |

11. | Reclamation of Land | 10 yrs | - | 1 yr. | A) Interest to be recovered yearly during the Grace Period B) Balance in 9 Yearly equated Installments. |

12. | Under Ground Channels / Pipe-line | 10 Yrs | - | 1 yr. | A) Interest to be recovered yearly during the Grace Period B) Balance in 9 Yearly equated Installments. |

13. | Land Levelling | 10 Yrs | - | 1 yr. | A) Interest to be recovered yearly during the Grace Period B) Balance in 9 Yearly equated Installments |

14. | Redemption of Land (Normal) | 10 Yrs | - | - | 10 Yearly equated installments |

15. | Purchase of Land (Scheme) | 10 Yrs | - . | - | 10 Yearly equated installments |

FARM MECHANISATION | |||||

16. | Tractor | 9 Yrs | - | - | 18 Half-yearly equated Installments |

17. | Thresher | 5 Yrs | - | - | 10 Half Yearly equated Installments |

18. | (A) Harvestor Combine – Self – Driven | 5Yrs | - | - | 10 Half-Yearly equated Installments |

(B) Harvestor Combine - Tractor Driven | 5 Yrs | - | - | 10 Half-Yearly equated Installments | |

19. | Repair & Maintenance of tractor | 5 Yrs | - | - | 10 Half-yearly equated Installments |

20. | Trolley | 7 Yrs | - | - | 14 Half-yearly equated Installments |

21. | Agriculture Implements | 7 Yrs | - | - | 14 Half-yearly equated Installments |

22. | Straw Reaper | 7 Yrs | - | - | 14 Half-yearly equated Installments |

23. | Strip Till Drill | 7 Yrs | - | - | 14 Half-yearly equated Installments |

24. | Old Tractor | 7 Yrs | - | - | 14 Half-Yearly equated Installments |

PLANTATIONS & HORTICULTURE | |||||

25. | Mango | 10 Yrs | 5 Yrs | 2 Yrs | A) First 5 Yrs nothing is to be recovered. B) For 6 th &7 th Year, only interest ( Including Deferred Interest of first 5 Yrs ) is to be recovered in 2 yearly equated Installments. C) Balance in 3 Yearly equated installments |

26. | Grapes | 10 Yrs | 3 Yrs | - | A) First 3 Yrs nothing is to be recovered. B) Balance in 7 Yearly equated Installments ( Including Deferred Interest of first 3 years ) is to be recovered. |

27. | Guava | 10 Yrs | 5 Yrs | 2 Yrs. | A) First 5 Yrs nothing is to be recovered. B) For 6 th & 7 th Year, only Interest ( Including Deferred Interest of first 5 Yrs ) is to be recovered in 2 yearly equated installments. C) Balance in 3 Yearly equated installments. |

28. | Citrus Fruits – Kinoo / Orange / Malta | 10 Yrs | 5 Yrs | 2 Yrs. | A) First 5 Yrs nothing is to be recovered. B) For 6 th &7 th Year, only Interest ( Including Deferred Interest of first 5 Yrs ) is tobe recovered in 2 yearly equated installments. C) Balance in 3 Yearly equated installments. |

29. | Ber / Lichi and All other Fruits | 10 Yrs | 5 Yrs | 2 Yrs. | A) First 5 Yrs nothing is to be recovered. B) For 6 th & 7 th Year, only Interest ( Including Deferred Interest of first 5 Yrs ) isto be recovered in 2 yearly equated installments. C) Balance in 3 Yearly equated installments |

30. | Gladiolus / Floriculture | 6 Yrs | - | 1 Yr. | A) During Grace Period, only interest to be recovered in 2 Half-yearly equated installments. B) Balance in 10 Half-yearly equated Installments |

31 | Mushroom Cultivation | 7 Yrs | - | - | 14 Half Yearly equated Installments. |

32. | Aromatic Flowers (Rose / Tube-rose / Jasmine) | 6 Yrs | - | 1 Yr. | A) During Grace-Period, only interest is to recovered in 2 Half-Year equated installments. B) Balance in 10 Half-Yearly equated Installments |

33. | Cultivation of Amla with Drip Irrigation in Kandi area. | 6 Yrs | - | 1 Yr. | A) During Grace-Period, only interest is to recovered in 2 Half-Year equated installments. B) Balance in 10 Half-Yearly equated Installments |

34. | Cultivation of Aloevera in 8 distts. | 6 Yrs | - | 1 Yr. | A) During Grace-Period, only interest is to recovered in 2 Half-Year equated installments. B) Balance in 10 Half-Yearly equated Installments |

35. | Financing of Jatropha Plantation | 10 Yrs | - | 3 Yrs. | A) During Grace-Period, only interest is to recovered in 2 Half-Yearly equated installments. B) Balance in 12 Half-Yearly equated Installments |

AH-DAIRY | |||||

36. | Dairy Entreprenueurship Development Scheme-Small Dairy upto 10 animals; Small Dairy upto 10 animals;Vermicompost; Milk Mach./ Cooling Units; Milk Prod./ Processing Eq.; Transportation/ Cold Chain; Cold Storage Facilities; Veterinary Clinics ; Dairy Parlour/ Dairy Mktg. Outlets | Varies from 5 to 7 years depending upon the component of the scheme | Varies from 0 to 1year depending upon the component of the scheme | equated half yearly installments | |

37. | Buffalo Breeding | 5 Yrs | - | 1 Yr. | A) During Grace Period only Interest is to be recovered in 2 Half-Year equated installments. B) Balance in 8 Half-Yearly equated Installments |

38. | Calf Rearing | 5 Yrs | - | 1 Yr. | A) During Grace Period only Interest is to be recovered in 2 Half-Year equated installments. B) Balance in 8 Half-Yearly equated Installments |

39. | Dairy Farming / Dairy Self & all other Dairy Schemes | 5 Yrs | - | - | In equal Monthly / Quarterly / Half-Yearly Installments |

40. | Commercial Dairy | 7 Yrs | - | - | In equal Monthly / Quarterly / Half-Yearly Installments |

41. | Cattle Shed / Godown | 9 Yrs | - | - | In 18 Half-Yearly equated Installments |

42. | Capital Venture Fund for Dairy | 9 Yrs | - | 2 Yrs. | A) During Grace Period, Interest is to be recovered in equal Monthly / Quarterly / Half-Yearly Installments B) Balance in equal Monthly / Quarterly / Half-Yearly Installments |

AH–POULTRY | |||||

41 | Hatchery-Broilers | 7 Yrs | - | 1 Yr. | A) During Grace Period only Interest is to be recovered in equal Monthly / Quarterly / Half-Yearly equated installments . B) Balance in equal Monthly / Quarterly / Half-Yearly equated Installments |

42 | Hatchery-Layers | 7 Yrs | - | 1 Yr. | A) During Grace Period Interest is to be recovered in equal Monthly / Quarterly / Half-Yearly equated installments . B) Balance in equal Monthly / Quarterly / Half-Yearly equated Installments |

43 | Poultry | 7 Yrs | - | 1 Yr. | A) During Grace Period only Interest is to be recovered in equal Monthly / Quarterly / Half-Yearly equated installments . B) Balance in equal Monthly / Quarterly / Half-Yearly equated Installments |

44 | Capital Venture Fund for Poultry | 9 Yrs | - | 2 Yr. | A) During Grace Period Interest is to be recovered in equal Monthly / Quarterly / Half-Yearly equated installments . B) Balance in equal Monthly / Quarterly / Half-Yearly equated Installments |

AH–SHEEP/GOAT/ PIGGERY/RABBIT | |||||

45 | Sheep Rearing | 5 Yrs | - | 1 Yr. | A) In 1 st Year only Interest is to be recovered in 2 Half-Yearly equated installments. B) Remaining in 8 Half Yearly equated installments |

46 | Goat Rearing | 5 Yrs | - | 1 Yr | A) In 1 st Year only Interest is to be recovered in 2 Half-Yearly equated installments. B) Remaining in 8 Half Yearly equated installments |

47 | Piggery | 5 Yrs | - | 1 Yr | A) In 1 st Year only Interest is to be recovered in 2 Half-Yearly equated installments. B) Remaining in 8 Half Yearly equated installments |

48 | Rabbit Rearing | 5 Yrs | - | 1 Yr | |

AH – OTHERS | |||||

49 | Bullocks | 5 Yrs | - | - | 10 Half-Yearly equated Installments |

50 | Bullock carts | 5 Yrs | - | - | 10 Half-Yearly equated Installments |

51 | Camels | 5 Yrs | - | - | 10 Half-Yearly equated Installments |

52 | Camel cart | 5 Yrs | - | - | 10 Half-Yearly equated Installments |

FISHERIES | |||||

53 | Fish Farming | 7 Yrs | - | 1 Yr. | A) 1 st year only Interest is to be recovered in 2 Half Yearly equated installments. B) Remaining in 12 Half Yearly equated Installments |

54 | Fisheries–Others (Hatchery, renovation of ponds etc.) | 7 Yrs | - | 1 Yr. | A) 1 st year only Interest is to be recovered in 2 Half Yearly equated installments. B) Remaining in 12 Half Yearly equated Installments |

SERICULTURE | |||||

55 | Sericulture(Mulberry cultivation & Cocoon rearing) | 5 yrs | - | 1 Yr. | A) 1 st year only Interest is to be recovered in 2 Half Yearly equated installments. B) Remaining in 8 Half Yearly equated Installments |

STORAGE GODOWNS & MARKET YARDS | |||||

56 | Rural Godown | 11 Yrs. | - | 1 Yr | A) 1 st Year only Interest is to be recovered in 2 Half Yearly equated installmentsB) Remaining in 20 Half Yearly equated Installments |

57 | Cold storage | 9 Yrs. | - | 1 Yr | A) 1 st Year only Interest is to be recovered in 2 Half Yearly equated installmentsB) Remaining in 16 Half Yearly equated Installments |

58 | Godown-cum–Shed for parking Agricultural Machinery | 7 Yrs | - | - | 7 Yearly equated Installments |

59 | Onion Godown | 9 Yrs. | - | 1 Yr | A) 1 st Year only Interest is to be recovered in 2 Half Yearly equated installmentsB) Remaining in 16 Half Yearly equated Installments |

60 | Strengthening of Agricultural Marketing infrastructure, grading and Standarization. | 9 Yrs. | - | 1 Yr | A) 1 st Years only Interest is to be recovered in 2 Half Yearly equated installmentsB) Remaining in 16 Half Yearly equated Installments |

FORESTRY | |||||

61 | Poplar | 10 Yrs | - | 9 Yrs | A) 1 st 9 years only Interest is to be recovered in 18 Half-Yearly installments.B) Remaining ( Principal & Interest) to be recovered at the end of 9 th year (in 10 th year) in 2 Half-Yearly equated installments. |

62 | Farm Forestry / Eucalyptus & all Other Forestry Schemes. | 10 Yrs. | - | 9 Yrs | A) 1 st 9 years only Interest is to be recovered in 18 Half-Yearly installments.B) Remaining ( Principal & Interest) to be recovered at the end of 9 th year (in 10 th year) in 2 Half-Yearly equated installments. |

NON-CONVENTIONAL ENERGY SOURCES (NCES) | |||||

63 | Biogas / Gobar Gas Plants | 7 Yrs. | - | - | 7 Yearly equated Installment. |

64 | Commercial Production Units of Organic Inputs – Bio-Fertilizer | 7 Yrs. | - | 1 Yr | A) 1 st Years only Interest is to be recovered in 2 Half-Yearly equated installmentsB) Balance (Principal & Interest) in 12 Half-Yearly equated Installments |

65 | Commercial Production Units of Organic Inputs – Vermiculture Hatcheries | 7 Yrs. | - | 1 Yr. | A) 1 st Year only Interest is to be recovered in 2 Half-Yearly equated installmentsB) Balance (Principal & Interest) in 12 Half-Yearly equated Installments |

66 | Commercial Production Units of Organic Inputs – Fruit & Vegetable Waste Compost. | 7 Yrs. | - | 1 Yr. | A) 1 st Year only Interest is to be recovered in 2 Half-Yearly equated installmentsB) Balance (Principal & Interest) in 12 Half-Yearly equated Installments |

NFS - 22 BROAD GROUPS | |||||

67 | Non Farm sector | 5 Yrs7 Yrs10 Yrs | --- | - | 10 Half-yearly equated Installments.14 Half-yearly equated Installments20 Half-yearly equated Installments |

i) Upto Rs. 50000/-ii) Rs. 50,001 to 2,00,000/- lacsiii)Above Rs. 2,00,001/- lacs | |||||

68 | Bee Keeping | 5 Yrs | - | - | 10 Half-Yearly equated Installments |

NFS – INFRASTRUCTURE SUPPORT | |||||

69 | Small Road Transport Operators (S.R.T.O) | 5 Yrs | - | - | 10 Half-Yearly equated Installments. |

70 | Two Wheeler | 5 Yrs | - | - | 10 Half-yearly equated Installments. |

RURAL HOUSING | |||||

71 | Rural Housing – Construction | 15 Yrs | 1 Yr. | A) In 1 st Year only Interest is to be recovered in 2 Half-Yearly equated Installments. B) In remaining 28 Half-Yearly Installments, both Principal & Interest is to be recovered. | |

72 | Rural Housing-Repair / Renovation | 5 Yrs | - | - | 10 Half-yearly equated Installments. |

OTHERS | |||||

73 | Swarojgar Credit Card Scheme | 5 Yrs | - | - | 10 Half-yearly equated Installments. |

74 | AEZ/Contract Farming | 3 Yrs | - | - | 6 Half-yearly equated Installments. |

75 | Education Loan | Duration of the course +1 year gestation period | 1 Yr. | - | 10 (< 5lakh)or 14 (>5lakh) Half Yearly equated installments (Repayment Period would start after completion of the course + gestation period)) |

76 | Kisan Credit card scheme(agri allied) | ||||

Upto Rs 3,00,000/- | 5Yrs | - | - | 10 Half Yearly equated installments | |

Rs 3,00,001/- to 10,00,000/- | 7Yrs | - | - | 14 Half Yearly equated installments | |

Rs 10,00,001/- to 18,00,000/- | 10Yrs | - | - | 20 Half Yearly equated installments | |

77 | Kisan Credit card scheme(NFS) | ||||

Upto Rs 3,00,000/- | 5Yrs | - | - | 10 Half Yearly equated installments | |

Rs 3,00,001/- to 10,00,000/- | 7Yrs | - | - | 14 Half Yearly equated installments | |

Rs 10,00,001/- to 18,00,000/- | 10Yrs | - | - | 20 Half Yearly equated installments | |

78. | Agriclinics & AgroBusiness Centres | 7Yrs | - | - | 14 Half Yearly equated installments |