AGRI-CLINICS AND AGRI-BUSINESS

CENTRES (ACABC) SCHEME

Dr. J. Diraviam
Senior Scientist and Head
Nodal Officer, ICAR Krishi Vigyan Kendra,
Saraswathi Foundation for Rural Development and Training
Pulutheri, R.T.Malai Post, Kulithalai Tk
Karur Dist.621 313
 OBJECTIVES

• TO PROVIDE EXTENSION AND

OTHER SERVICES TO THE FARMERS

• TO SUPPORT AGRICULTURAL
DEVELOPMENT

• TO CREATE GAINFUL SELF-

EMPLOYMENT OPPORTUNITEIS
 CONCEPT / DEFINITION
• AGRI-CLINICS :
TO PROVIDE EXPERT ADVICE &
SERVICES WHICH WOULD ENHANCE
PRODUCTIVITY AND ENSURE
INCREASED INCOME TO FARMERS

• AGRI-BUSINESS CENTRES :
COMMERCIAL AGRI-VENTURES FOR
INCOME GENERATION &
ENTREPRENEURSHIP DEVELOPMENT
 ELIGIBLE PERSONS

GRADUATES IN AGRICULTURE & ALLIED
SUBJECTS ALLIED SUBJECTS

DIPLOMA HOLDERS (WITH 50% MARKS)/PG
DIPLOMA HOLDERS IN AGRI AND ALLIED
SUBJECTS FROM SAU, STATE AGRI. & ALLIED
DEPTS. AND STATE DEPT OF TECHNICAL
EDUCATION.

BIOLOGICAL SCIENCE GRADUATES WITH PG IN
AGRI AND ALLIED SUBJECTS.

DEGREE HOLDERS IN COURSES RECOGNISED BY
UGC HAVING MORE THAN 60% OF THE CONTENT
IN AGRI. & ALLIED SUBJECTS.
 ELIGIBLE PERSONS CONTD….

DIPLOMA/PG DIPLOMA HOLDERS IN COURSES WITH
>60% OF COURSE CONTENT IN AGRI & ALLIED
SUBJECTS, AFTER B.SC. IN BIOLOGICAL SCIENCES
FROM RECOGNISED COLLEGES AND UNIVERSITIES

AGRICULTURE RELATED COURSES AT
INTERMEDIATE (+2) LEVEL WITH AT LEAST 55%
MARKS

DIPLOMA IN AGRICULTURE & ALLIED SUBJECTS
OFFERED BY OTHER AGENCIES ARE ALSO ELIGIBLE
SUBJECT TO APPROVAL OF DEPARTMENT OF
AGRICULTURE AND COOPERATION, GOI ON THE
RECOMMENDATION OF THE STATE GOVERNMENT

CANDIDATES SHOULD BE TRAINED
 AREA OF OPERATION

• BOTH RURAL AND URBAN AREAS

• GEOGRAPHICAL LOCATION :
NO RESTRICTION
FULL FINANCIAL SUPPORT FOR

TRAINING/HAND HOLDING
(MANAGE)

CREDIT (BANKS)

CREDIT– LINKED BACK ENDED
SUBSIDY THROUGH NABARD
Eligible Financial Institutions

• CBs

• RRBs

• SCBs

• SCARDBs

• UCBs (Scheduled)
 PROJECT COST

INDIVIDUAL CEILING : ` 20 LAKH (` 25 LAKH
IN CASE OF EXTREMELY SUCCESSFUL
PROJECTS)

GROUP CEILING : ` 100 LAKH (AT LEAST 5
TRAINED PERSONS OUT OF WHICH ONE
COULD BE FROM MANAGEMENT
BACKGROUND)

GROUP COULD BE 2 OR MORE TRAINED
PERSONS

PERSON WITH MANAGEMENT BACKGROUND
ONLY TO BE INCLUDED IN GROUP OF 5 OR
 PROJECT COST CONTD….
• COMPUTER /PRINTER/BROADBAND
CONNECTION (1 MBPS ATLEAST) –
AN INTEGRAL PART OF TFO
• CREDIT SANCTIONED BY BANK COULD
BE HIGHER DEPENDING ON VIABILITY/
FEASIBILITY
• AT LEAST 10% OF THE PROJECT COST
SHOULD BE IN CAPITAL FORM
• INSURANCE COULD BE A PART OF TFO
EXTREMELY SUCCESSFUL PROJECTS


PROJECT COST LIMIT IS EXTENDED BY
` 5 LAKH I.E. ` 20 LAKH + ` 5 LAKH = `
25 LAKH)

TO BE APPROVED BY EMPOWERED
STEERING COMMITTEE USING ABOVE
CRITERIA

BASED ON DEFINED CRITERIA AND
SCORING FOR THE SAME
 TERM LOAN

SHOULD BE COMPOSITE
(FIXED CAPITAL + WC FOR 1 OPERATING
CYCLE)

REPAYMENT SCHEDULE IS TO BE DRAWN ON
THE TOTAL COMPOSITE LOAN INCLUDING
SUBSIDY

REPAYMENT PERIOD : 5-10 YEARS DEPENDING
ON ACTIVITY

MAX GRACE PERIOD : 2 YEARS

ROI ON LOAN : RBI GUIDELINES/POLICY OF
THE BANK

LOCK-IN PERIOD : 3 YEARS
 MARGIN MONEY

AS PER RBI GUIDELINES

NO MARGIN FOR LOAN UPTO ` 5
LAKH

50% OF THE MARGIN MONEY AS
SOFT LOAN FROM NABARD
 SECURITY

AS PER RBI GUIDELINES

LOANS UP TO ` 5 LAKH CAN BE
SECURED AGAINST
HYPOTHECATION OF ASSETS
CREATED
CREDIT LINKED COMPOSITE SUBSIDY

44% FOR WOMEN, SC/ST AND ALL
CATEGORIES OF BORROWERS FROM
NER, HILLY STATES

36% FOR ALL OTHERS

RELEASED UPFRONT IN ONE
INSTALMENT BY NABARD TO BANKS
AFTER SANCTION OF LOAN

ALL CANDIDATES TRAINED UNDER
THE SCHEME SHALL BE ELIGIBLE FOR
SUBSIDY IF LOAN IS SANCTIONED ON
OR AFTER 9.7.2006
CREDIT LINKED COMPOSITE SUBSIDY

BANK TO KEEP SUBSIDY IN ‘SUBSIDY
RESERVE FUND ACCOUNT
(BORROWER WISE)’

BANKS NOT TO CHARGE INTEREST
ON SUBSIDY PORTION

BALANCE IN THE ‘SUBSIDY RESERVE
FUND ACCOUNT’ WILL NOT FORM
PART OF DTL
CREDIT LINKED COMPOSITE SUBSIDY

REVISED TFO CEILING APPLICABLE TO
CASES SANCTIONED AFTER 4.8.10

CASES SANCTIONED BUT NOT CLOSED
SHALL BE CONVERTED TO COMPOSITE
SUBSIDY- DIFFERENTIAL AMOUNT
BETWEEN PAYBLE AND PAID
ASSISTANCE TO BE RELEASED IN ONE
LUMPSUM ON OBTAINING A CLAIM
FROM THE BANK
CREDIT LINKED COMPOSITE SUBSIDY

BENEFIT OF SUBSIDY CAN BE EXTENDED
TWICE TO A SINGLE BORROWER WITHIN
THE OVERALL CEILING

WHEN 2 INDEPENDENT PROJECTS ARE
FINANCED TO THE SAME BENEFICIARY
(SUBSIDY WOULD BE AS PER ADMISSIBLE
TFO CEILINGS BY CONSIDERING THE TFO
OF BOTH THE PROJECTS TOGETHER)

EXPANSION OF AN EXISTING PROJECT
OF A BORROWER (ONLY ON THE TFO
FOR EXPANSION AND THE COST OF THE
EXISTING PROJECT IS NOT INCLUDED)
CREDIT LINKED COMPOSITE SUBSIDY


FRESH/EXPANSION PROJECTS
SANCTIONED BY BANKS BEFORE
4.8.10:
TFO CEILING WILL BE `10 LAKH
(INDIVIDUAL)

FRESH/EXPANSION PROJECTS
SANCTIONED BY BANKS ON OR AFTER
4.8.10 :
TFO CEILING WILL BE ` 20 LAKH
(INDIVIDUAL)
 PROCEDURE

AGRIPRENEUR TO SUBMIT PROJECT
PROPOSAL FOR LOAN AND SUBSIDY TO
BANKS

BANKS TO APPRAISE, SANCTION AND
DISBURSE THE FIRST INSTALMENT

BANKS TO CLAIM SUBSIDY FROM NABARD
WITH A BRIEF PROJECT PROFILE-CUM-
CLAIM FORM

ROS ARE EXPECTED TO DISPOSE OFF THE
CLAIMS WITHIN A FORTNIGHT FROM THE
DATE OF RECEIPT OF THE CLAIMS

BANKS TO SUBMIT UTILIZATION
CERTIFICATE

DELIVERY OF EXTENSION SERVICES
SHALL BE THE MAIN COMPONENT

RECORD OF ADVISORY SERVICES
(PRESCRIBED PROFORMA) IS TO BE
MAINTAINED BY THE UNIT

ANY TWO OFFICIAL MAY TAKE UP
PERIODIC/SURPRISE VISIT FOR
VERIFYING RECORDS OF ADVISORY
SERVICES

WHERE MISUTILIZATION OF SUBSIDY
HAS BEEN NOTICED BANK SHALL
REFUND THE SUBSIDY TO NABARD

A CONSOLIDATED REPORT IS TO BE
FINALIZED BY THE BANK BEFORE 3
YEARS LOCK-IN PERIOD FOR
FORWARDING TO NABARD/ATMA FOR
INFORMATION

TIME LIMIT FOR COMPLETION :
6 MONTHS FROM DATE OF DISB. OF
1ST INSTALMENT (PLUS ADDITIONAL 6
MOTHS FOR JUSTIFYABLE DELAY)

BENEFIT OF SUBSIDY IS NOT AVAILABLE
IF THE PROJECT IS NOT COMPLETED
WITHIN STIPULATED TIME & SUBSIDY IS
TO BE REFUNDED TO NABARD

INSURANCE TO BE TAKEN WHEREVER
REQUIRED

DISPLAY OF SIGN BOARD AT THE UNIT

PRE AND POST COMPLETION
INSPECTION OF PROJECT BY BANK

SUBSIDY SUBJECT TO AVAILABILITY OF
FUNDS FROM GOI
 EMPOWERED STEERING COMMITTEE

SECRETARY (A&C) : CHAIRMAN

ADDL. SECY, DAC : MEMBER

AS & FA, DAC : MEMBER

DDG (EXTN.), ICAR : MEMBER

DG, MANAGE : MEMBER

ED, NABARD : MEMBER

JT. SECY (EXTN.) : MEMBER SECRETARY

GOI’S INTERPRETATION OF THE SCHEME

INSTRUCTIONS WILL BE FINAL
 Innovations
• Creating awareness about ACABC
programmes through our KVK activities
• Using all social media to raise awareness
about the programme – Whatsapp, Facebook
• Inviting success FPO members to handle
session to candidates
• Providing exposure visits to FPOs, successful
farmers
• Availing Consultancy Service of a successful
Agripreneur for DPR preparation
• Utilizing KVK faculty for handholding support
Training
We invite applications through Local News papers
and All India Radio, Trichy
Scrutiny of the applications are done as per the
New guidelines
We conduct pre screening for selection of
candidates
For screening committee we invite members from
MANAGE, NABARD, Banker, Director of
Agriculture.
Training
For the inaugural and valedictory functions we
invite officials from NABARD , Agrl. Department
and Bank.
In the training we invite the faculty from the
following departments like NABARD, Department of
Agriculture, Horticulture, Marketing, Veterinary
sciences, Commercial Bank, Professors from
Agricultural University, Trichy
Conduct the Training Programmes as per the
guidelines
Schedule, Midterm Report & Final
Evaluation reports are sent to MANAGE on
time.
Registers are maintained for Daily
Attendance, Accommodation & for Follow-
up activity.
During the Training & Field Visits, daily
attendance register is maintained.
Feedback will be taken on individual
basis and overall feed back of the
program will be taken from
participants.
We collect all the DPR from the
participant on last day and we send it
to concerned banks.
We provide library and internet
facility to the trainees.
Handholding

• Forwarding project proposal to the

banks
• Visiting the established ventures
• Establishing rapport between
Agripreneurs and bankers
• Motivating the Agripreneurs to continue
the established ventures
 Handholding
• Apprising the Agripreneurs about the guidelines governing
subsidy and interest components from time to time.

• Getting DPRs vetted by Agri Officer of commercial bank

• Meeting Department of Agriculture officials.

• Attending / Participating in meeting organized by

MANAGE alongwith the Agripreneurs

• Followup with NABARD for release of Subsidy

 Market survey
Separate questionnaire for Market Survey.
The DPR is prepared strictly based on individual Market
Survey Reports.
DPR Preparation
Resource Person, Bank Officials and Nodal officer are involved
in the DPRs preparation.
 The DPRs contain a place for Extension activities.
 Involvement of State government &
ATMA

Maintaining rapport with ATMA to utilize the

services of trained Agripreneurs.

State Government, Bankers and University

officials are invited to the guest lectures for
Training and also to show successful
Enterprises which has helped in sensitizing
them and also building rapport.
 Success stories – Raj agro service
Demonstration of Farm
machinery before Israel Deputy
Commissioner and high level
officers from 28 states at the
Indo Israel Cutflowers
Training Center, Thally,
Krishnagiri Dt. TN on 16-17,
Dec 2015

Shri M.Rajkumar – SBI

Omalur, Rs 20 lakhs
I.D. No. TN 4112
Date of start: 30.12.13
Turnover: Rs 2 lakhs p.a.
Glimpses of our training
programme
Screening and
Inauguration
Class room sessions – Guest
Faculty
Class room sessions – Guest
Faculty
Class room sessions – Guest
Faculty
Class room sessions – KVK Staff
Class room
sessions –
KVK Staffs
Class room sessions by Successful
Agripreneurs
DPR Preparation
Exposure visit to Agrl. Engg.
College, Kumulur
Exposure visit to Agrl. Engg.
College, Kumulur
Cattle feed processing unit
Cattle feed processing unit
Seed Processing Unit –
Trichy Dt
Exposure visit to IFS Farm,
Nadayanur
Exposure visit to Dairy Unit -
Velayuthapalayam
Slatted Goat rearing- Velayuthapalayam
Thank you