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Loans

Agriculture Loan



1 DAIRY PROMOTION : To promote  rural dairy entrepreneurs who are basically farmers, we have various schemes like our bank's own Dairy development Scheme, Kamdhenu, Mini Kamdhenu, Micro Kamdhenu and of course popular scheme of NABARD : DEDS 
Security : No collateral security Upto Rs. 1.00 Lac finance. For financing more than Rs. 1.00 Lacs, we just require Simple mortgage of Agriculture Land and Guarantee of two persons.
Interest : our current interest rates on dairy scheme under Ag. Sector are as under :
Upto Rs. 3.00 Lacs : 9.50% p.a.
More than Rs. 3.00 Lacs but less than Rs. 25.00 Lacs : 10.50% p.a.
Rs. 25.00 Lacs and more : 12.00 p.a.
2 TRACTOR AND OTHER AGRICULTURE IMPLEMNETS : You want to purchase tractor, harvester, rotavator or any other agriculture implement, come to our nearest branch to your residence. Easy finance with the simplest of terms and conditions.
Security : Simply against the simple mortgage of agriculture land. No Collateral Security upto Rs.1.00 Lacs.
Repayment : To facilitate you, we provide repayment schedules as long as 9 years subject to type of vehicle.
Interest : our current interest rates on dairy scheme under Ag. Sector are as under:
Upto Rs. 3.00 Lacs : 9.50%  p.a. 
More than Rs. 3.00 Lacs but less than Rs. 25.00 Lacs : 10.50%  p.a. 
Rs. 25.00 Lacs and more : 12.00% p.a.
3 FISHERIESWelcome the blue revolution. Enjoy finance on easy terms. We also provide finance for the Fisheries schemes with subsidy, sponsored by National Fishery Development Board (N.F.D.B.)  Interest : our current interest rates on Fisheries schemes under Ag. Sector are as under: 
Upto Rs. 3.00 Lacs : 9.50% p.a.
More than Rs. 3.00 Lacs but less than Rs. 25.00 Lacs : 10.50%  p.a.
Rs. 25.00 Lacs and more : 12.00  p.a.
4 KISAN CREDIT CARD( Smart Card cum Debit Card) : As per guidelines of GOI, we issue Smart Card cum Debit Card to our farmers enjoying Kisan Credit Card facility. Limit is issued as per NABARD guidelines , with a provision of 10% annual increase for 5 years. It comprises of production credit loan as well as term loan for catering  various types needs of farmers. Visit our nearest branch to your residence for detailed information.
(2% Interest subvention & 3% Additional Incentive for Prompt Recovery is presently admissible for crop loans upto Rs.3.00 lacs extended to farmers @7% p.a.) subject to continuation by GOI.) 
Interest : our current interest rates on production credit components of Kisan Credit Card are as under :
Upto Rs. 3.00 Lacs : 9.00% p.a.
More than Rs. 3.00 Lacs but less than Rs. 25.00 Lacs : 10.00% p.a.
Rs. 25.00 Lacs & More : 11.50% p.a. (Applicable rate of interest after adjusting interest subvention and prompt recovery subvention comes to just 4% p.a.) 
For Term loan component our interest rates are as under :
Upto Rs. 3.00 Lacs : 9.50% p.a.
More than Rs. 3.00 Lacs but less than Rs. 25.00 Lacs : 10.50% p.a.
Rs. 25.00 Lacs and more : 12.00% p.a.
5 POULTRY DEVELOPMENT : They say, SUNDAY HO YA MONDAY ROJ KHAO ANDE, We say : to produce them, Take finance from us any day. We have suitable schemes for financing to Broiler as well Layers to promote the entrepreneurs in this sector. Interest : our current interest rates on Poultry schemes under Ag. Sector are as under:
Upto Rs. 3.00 Lacs  :  9.50%  p.a.
More than Rs. 3.00 Lacs but less than Rs. 25.00 Lacs  : 10.50% p.a.
Rs. 25.00 Lacs and more : 12.00 p.a.
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