AGRICULTURE

 Agriculture work force : 54.6 %


 Green revolution - cereal production (1960s- 1980s)
 White revolution - in milk production (Starting 1970s)
 Gene revolution in cotton production, (Early 2000)
 Blue revolution -fisheries (1973-2002)

No Nature of Credit facilities At Branch

1 KCC – Branch powers 15 days

2 Other Agriculture Loans upto 15 days
25000
3 Loans above Rs.25000 30 days
 SERVICE AREA NORMS :
 25-30 Km in their command area for all Priority Sector
Advances

 NOTE : CM and above themselves can permit for financing

beyond 25-30 km

 Other branches for above 25-30 km (RO Head permission)


 Insurance is waived upto ₹50,000/-

 Bills/Vouchers/Stamped receipts WAIVER :
 Agricultural loan up to ₹ 50000/- (POST VISIT 15 DAYS)
 Development loans upto ₹ 2 lakhs
 Calculation of ANBC:
Bank Credit in India 1
Bills Rediscounted with RBI and other approved Financial Institution 2
Net Bank Credit (NBC)* (1-2) = 3
Outstanding Deposits under RIDF and other eligible funds with NABARD, 4+
NHB, SIDBI and MUDRA Ltd in lieu of non-achievement of priority sector
lending targets/sub-targets + outstanding PSLCs
Eligible amount for exemptions on issuance of long-term bonds for 5-
infrastructure and affordable housing
Advances extended in India against the incremental FCNR (B)/NRE 6-
deposits, qualifying for exemption from CRR/SLR requirements
Investments made by public sector banks in the Recapitalization Bonds 7-
floated by Government of India
Other investments eligible to be treated as priority sector (e.g. 8+
investments in securitised assets
Face Value of securities acquired and kept under HTM category Under 9-
the TLTRO 2.0 and SLF-MF and also extended regulatory benefits under
SLF-MF
Bonds/debentures in Non-SLR categories under HTM category 10 +
III+IV- (V+VI+VII)+VIII-IX+X ANBC
 Calculation of ANBC:
Bank Credit in India 1
Bills Rediscounted with RBI and other approved Financial Institution 2 DEDUCT
Net Bank Credit (NBC)* (1-2) = 3
Outstanding Deposits under RIDF and other eligible funds with NABARD, ADD
NHB, SIDBI and MUDRA Ltd in lieu of non-achievement of priority sector
lending targets/sub-targets + outstanding PSLCs
Other investments eligible to be treated as priority sector (e.g. ADD
investments in securitised assets
Bonds/debentures in Non-SLR categories under HTM category ADD
Eligible amount for exemptions on issuance of long-term bonds for DEDUCT
infrastructure and affordable housing
Advances extended in India against the incremental FCNR (B)/NRE DEDUCT
deposits, qualifying for exemption from CRR/SLR requirements
Investments made by public sector banks in the Recapitalization Bonds DEDUCT
floated by Government of India
Face Value of securities acquired and kept under HTM category Under DEDUCT
the TLTRO 2.0 and SLF-MF and also extended regulatory benefits under
SLF-MF
ANBC
 Common guidelines for priority sector loans

 a) ROI : Directives issued by Department of Regulation(DoR)- RBI

 b) Service charges: No charges on priority sector loans up to

 Rs 25,000.
 In the case of eligible priority sector loans to SHGs/ JLGs, this
limit will be applicable per member and not to the group as a
whole.

 c) Receipt, Sanction/Rejection/Disbursement Register :

Electronically should be maintained by the bank

 d) Issue of acknowledgement of loan applications

 AGCL.DIVIDED INTO 3 CATEGORIES BASED ON REPAYMENT
PERIOD

 Short Term : 6 months to 18 months

 Medium Term : 36 months up to 5 years

 Long Term : above 5 years

 Loan sanctioned for construction of Farm House to be

classified under Priority-Agriculture, irrespective of loan
sanctioned, since it is a part of Agriculture Development
loan.
 MARGIN :
PARTICULARS MINIMUM
MARGIN
ALLHV loans other than Medium & Heavy Commercial 10 %
vehicles (MCV/HCV)

MCVs/HCVs 25%
Second hand vehicles 25%
Second hand Tractors 40%
Deep Sea fishing vessels 25-33%
Estate Purchase Loans 50%
purchase of lands for agricultural purposes 20%
Agri Clinics and Agri-Business Centers (ACABC) For loans
upto Rs.5 lacs NIL
For loans beyond Rs. 5 lacs 15 TO 25 %
KISAN TATKAL AND KCC KRISHI MITRA CREDIT CARD NIL
411/21 11.06.21 : MODIFICATION IN SECURITY NORMS FOR AGRICULTURE LOANS
Margin : Agriculture loans up to 1.60 lakh: Nil
Above 1.60 lakh: 15 to 25%
SECURITY : Up to Rs.1.60 Lakh Hypothecation of crops/Assets created out of our FIN.
In states where online/manual charge creation is In states where online/manual
not available charge creation is available

For loans above Rs.1.60 lakh For loans above Rs.1.60 lakh
to Rs.2.50 lakh
Hypothecation of crops/ assets created out of our Hypothecation of crops/ assets
finance. created out of our finance.
.
Mortgage of landed properties Creation of charge on land
. records
In case, party is already having a development/ For loans Above Rs.2.50 lakh
investment loan, and total exposure including Hypothecation of crops/ assets
the proposed exposure exceeds Rs.1.60 Lakhs, created out of our finance.
mortgage of landed property is to be stipulated
Mortgage of landed properties
in addition to hypothecation of crops cultivated.
Creation of Charge on land records
 SECURITY : Where tie-up arrangement is available (like in
case of sugar factory, Tobacco Board etc.,) for recovery,
loans up to Rs.3.00 lakhs can be extended without
insisting on mortgage .

 Scheme specific Stipulations on mortgage of landed

properties :
 Canara Kisan OD : at least 200% of the limit
 Tractor loans/power tiller/Combine harvester/other
farm machineries : EQUAL TO LOAN AMOUNT
 Deep sea fishing vessels/Estate Purchase Loan : 200%

 If leasehold rights are not mortgaged, Immovable security

should be obtained, value of which should be a minimum
200% of the loan amount
 SECURITY : Agri-clinics / Agri-business
Loan Quantum Security to be stipulated
up to Rs.5,00,000/ Hypothecation of assets created out of our finance.
CGFMU
Above Hypothecation of assets created out of our finance.
Rs.5,00,000/- and Mortgage of landed property if the same is available as a part
up to 10 LACS of prime security.
CGFMU
Above 10 lacs Hypothecation of assets + Mortgage + co obligant
 CROP LOANS : If borrowers cannot mortgage the entire land on
which they are going to raise crops, branches/offices are permitted
to grant crop loans against the security of part of the land valued
twice the loan amount.

 Loans granted for land development activities such as land leveling,

sinking of well, contour bunding and other farm development
loans, loans granted for construction of cold storages, rural
godowns, warehouses, market yard, silos and loans involving
development work, value of security (Post development value)
should be minimum of 125% of the loan amount.
 FOR GENUINE REASONS SUCH AS NON-AVAILABILITY OF
ORIGINAL TITLE DEEDS,IF THE BORROWER CANNOT
MORTGAGE LANDS , ALTERNATIVE SECURITIES AS UNDER
MAY BE OBTAINED
NATURE OF SECURITY MARGIN
Surrender value of LIC policies 10 %
Market value of approved shares/debentures/bonds 50%
Market value of approved demat shares 30%
Approved units of mutual funds 50% of net asset value
(NAV) or market value
whicheve
Govt. Promissory Note 10%
NSC's/Kisan Vikas Patra's (KVP) 25%
Gold Jewelry (on appraised value) Kisan Credit Card :NIL
Gold Loan Over Draft:10%
Other Loans: 40%
 Exemptions for aggregations for the purpose of
determining Interest:

 For the purpose of determining the ROI in respect of

finance under the following Schemes, the limits under
similar type of advance alone shall be considered for
the purpose of aggregating the limits:

 i) Scheme of gold loans for agricultural purposes.

 ii) SHG loans.
 iii) Pledge loans, Farm house and 3/4 Wheeler loans

 In respect of other loans, exposures under the above are

to be however aggregated and slab should be arrived at
 PENAL INTEREST : Govt. sponsored Schemes are exempted
All Priority Agricultural Advances
Upto aggregate credit limit of Rs.25,000 NIL
Upto aggregate credit limit of Rs.25,000 1%
Aggregate limits above Rs. 2 lakhs 2%

Estate purchase loans

Upto Rs. 5000 NIL
Above Rs.5000 2%
 GENERAL : Customers having satisfactory credit history with our bank
for a minimum period of 1 Year are considered as the existing customers.

 DISPLAY OF BOARDS WAIVED :

 All agricultural loans up to a limit ofRs.25,000/-.
 All crop production loans, KCC, and Canara Kisan OD loans irrespective of
loan amount

 POST SANCTION VISIT: Post sanction visit is undertaken within 15-30 days
of disbursement to ascertain end use

 PIPR: Rs 50 lacs and above (quarterly) (Waiver : Circle head upto 2 crores)

 CIC GUIDELINES : Fresh Agri-Loans upto Rs.10 lakh in aggregate to a

borrower / individual can be sanctioned by RSA irrespective of Risk grade
 Rs. 10.00 lacs to Rs.25.00 lacs for High Risk accounts, may be
permitted by RO HEAD – CAC.

 All the Relief measures under Natural Calamities should be extended

within 90 days from the date of Natural Calamity Notification
 Restructuring : NEED NOT BE CLASSIFIED AS NPA

 Maximum repayment up to 2 years (including the moratorium

period of 1 year) if the crop loss is between 33% and 50% can
be permitted.

 If the crop loss is 50% or more, the restructure period for

repayment may be extended to a maximum of 5 years
(including the moratorium period of one year).

 In all cases of restructuring, moratorium period of at least one

year should be considered.

 Further, additional collateral security shall be insisted for

such restructured loans.
 “Canara Consumption Loan” : to provide relief and to
remove the hardships of existing borrowers who are
affected by the consequences of Natural calamity in Rural
and Semi Urban areas, with a maximum ceiling of Rs.15000/-
per borrower.

 FEES/INCENTIVE PAYABLE :
 For Souring of Proposal: PACs shall be paid service
fee/commission of 0.10% of loan amount sanctioned for
proposal sourced with a maximum of Rs 50000/- per proposal.
 AGRICULTURE
VALUATION :

AEOs and AEO Promotee MGR :Agricultural loans upto Rs.30 lac

AND Other Managers - loans upto a limit of Rs.20.00 lakhs

Periodicity of valuation : with structure (3 years)

With out structures (5 years)

Kisan Credit Card Scheme
Purpose: Cultivation & other short term needs including consumption and
Term Loan requirement. Sub limit-I as per formula

Sub - Sectoral limit NORM

I) Crop maintenance (A) SOF X Extent of area cultivated

As per scale of finance (DLTC)

EX : RS 50000X 2 ACRE = 100000
ii}Post harvest / household / 10% of (i)
consumption requirements (EX :10 % OF 1 LAC) =10000

iii)Repairs and maintenance 20% of (i)

expenses of farm assets (EX :20 % OF 1 LAC) =20000

iv) Crop insurance and/or accident Actual cost incurred EX = 5000

insurance including PAIS, health can be considered
insurance & asset insurance

Total KCCS First year LIMIT (i)+ (ii) + (iii) + (iv) EX : 135000
There shall be 10 % annual increase in WC Limit subject to satisfactory
annual review.
KCC ASSESSED (1 year) RS 135000
2 YEAR (10 % INCREASE) Rs 13500 + (Rs 135000/) =Rs 148500 RS 148500

3 YEAR (10 % INCREASE) Rs 14850 + (Rs 148500/) = Rs 163350/- Rs 163350/-

4 YEAR (10 % INCREASE) Rs 16335 + (Rs 163350/) = Rs 178885/- Rs 178885/-
5 YEAR (10 % INCREASE) Rs 17889 + (Rs 178885/ = Rs 196774/- Rs 196774/-

Documents & Mortgage for final year limit :To be obtained for the
sanctioned for 5th year ST limit but withdrawal permitted for relative
season/year not entire 5th Year ST WC limit.

Loan limit should not exceed 50% of value of the produce

Each withdrawal under the short term sub-limit to be liquidated in 12

months (short term crops)/18 months (in case of long term crops).

Annual review : NF 974 format.

Validity/Tenability: 5 years subject to annual review.

 KCC ASSESSED (1 year) RS 135000
2 YEAR (10 % INCREASE) Rs 13500 + (Rs 135000/) =Rs 148500 RS 148500
3 YEAR (10 % INCREASE) Rs 14850 + (Rs 148500/) = Rs 163350/- Rs 163350/-
4 YEAR (10 % INCREASE) Rs 16335 + (Rs 163350/) = Rs 178885/- Rs 178885/-
5 YEAR (10 % INCREASE) Rs 17889 + (Rs 178885/ = Rs 196774/- Rs 196774/-

152/21 : KCC : Review /Renewal : Fixing limit for 2nd and subsequent Year

1. During Annual Review/Renewal of KCC accounts, branches to verify the SOF

provided by the DLTC. If there is increase in Scale of finance => 10%, then
branches to enhance the limit by 10% as per the original sanction.

2. If there is no increase in SOF during the year, branches may continue existing
limit, without enhancing the limit of 10% as per the Original sanction.

3. In the existing accounts, if the 5th Year limit is already availed, such accounts
may be continued with the existing limit, even though there is no increase in SOF as
per the 5th Year limit.

4.However, in the cases where the renewal amount is less than the 5th year limit as
per the 10% increase, Branches may consider a higher quantum of loan for crop
maintenance based on the need and in deserving cases to the extent of 15-25% over
and above the scale of finance.
FLEXI KCCS - For Marginal Farmers : A flexible limit
of Rs. 10,000 to Rs. 50,000 may be provided (as Flexi
KCC)

Term Loan component (Sub Limit II):

shall be limited to 3 times the annual net

income of the farmer/a maximum of Rs. 5.00
lakhs.
Dairy loans:
Normal Economic Life :
Buffalo is 5 to 7 lactations and
Cow is 10 lactations.

Finance upto age of their 3rd lactation.

High Yielding Milch Cattle: Not less than 5 litres milk

yield per day.

RABI SEASON – NOV TO MAY

KHARIF SEASON - June to September
AGRICULTURAL INNOVATION CENTRE (AIC)

Undertake appraisal of high value Agricultural projects for

clients seeking financial assistance from our bank and project
appraisal for outside clients

For New Customers: Project Cost above Rs 150 lakhs

For Existing Customers: Project Cost above Rs 300 lakhs

46/21 : Enabling of Online KCC, KCC Renewal and
Agriculture Gold Loan Applications through Mobile Banking &
Net Banking channels (OMNI CHANNELS) - Implementation of
EASE 3.0 A

Borrower will be followed up with 2 SMSs & emails prior to

the expiry of application on completion of 7 working days
from the date of application

Borrower will be provided with 7 working days to approach

the Branch with required Documents/ jewels to process the
loan.
.
220/2021 06.04.21 AGRICULTURE : Master Circular on SHG-Bank Linkage Programme

85 % of the groups linked with banks were formed exclusively by women.

CDD of all the members of SHG may be undertaken at the time of credit linking of SHGs.

Loans to SHGs are allowed to be classified under Priority Sector Lending under the respective
categories viz Agriculture, MSME, Social Infrastructure and others, subject to extant
guidelines.

SHGs may be sanctioned savings linked loans by banks (varying from a saving to loan ratio of
1:1 to 1:4). However, in case of matured SHGs, loans may be given beyond the limit of 4 times
the savings provided SHGs have submitted micro credit plan.

No loan related and adhoc service charges/inspection charges should be levied on loans to
SHGs. However, out of pocket expenses like Credit Information Report (CIR) charges shall be
collected

The progress under SHG-BLP, shall be reported to NABARD (Micro Credit Innovations
Department), Mumbai, on a quarterly basis, and the returns in the prescribed format shall be
submitted within 15 days from due date.
222/2021 06.04.2021 : MASTER CIRCULAR ON LEAD BANK SCHEME.

Lead Bank Scheme is administered by the RBI since 1969.

As on March 31, 2021, 12 public sector banks and 1 private sector bank have
been assigned with the lead bank responsibility in 730 districts in the
country.

Our Bank has been assigned with Lead Bank responsibility in 60 districts
spread over 8 states and two union territories under 14 Circles of the Bank.

Our Bank has been assigned with:

State Level Banker’s Committee (SLBC) Convenorship in 2 states i.e.
Karnataka and Kerala and Union Territory Level Banker’s Committee
(UTLBC) Convenorship in Lakshadweep.

.
. 247/2021 17.4.21 : Priority Sector Lending (PSL) – Increase in limits for Bank lending
against Negotiable Warehouse Receipts (NWRs) / electronic Negotiable Warehouse Receipts
(eNWRs)

Farm Credit - Individual farmers AND Corporate farmers, Farmer Producer Organisations
(FPOs)/(FPC) Companies of Individual Farmers, Partnership firms and Cooperatives of
farmers engaged in Agriculture and Allied Activities:

Loans up to ₹ 75 lakh against pledge/hypothecation of agricultural produce (including

warehouse receipts) for a period not exceeding 12 months against NWRs/eNWRs and
up to ₹ 50 lakh against warehouse receipts other than NWRs/eNWRs.

.
347/21 28.05.21 : Continuation of Revamped Pradhan Mantri Fasal Bima Yojana (PMFBY)
and Restructured Weather Based Crop Insurance Scheme (RWBCIS) for FY 2021-22.
The scheme will remain under implementation during 2021-22 in its existing form.
A New private sector general Insurance company namely, Go-digit General Insurance
Company Ltd has been empanelled in addition to the 18 general insurance companies already
empanelled for implementation of PMFBY/ RWBCIS

385/21 07.06.21 : WAIVER OF ALL S/C FOR KCCS CROP/ANIMAL HUSBANDRY & FISHERIES
LOANS UP TO Rs. 3.00 LAKHS TO SMALL AND MARGINAL FARMERS TILL 31.03.2022.
Waiver of all service charges (Processing, Documentation, Inspection, Ledger, Folio Charges
and Other Service Charges) up to 31.03.2022.
Applicable for KCC/ Crop Loans limit up to Rs. 3.00 Lakhs granted to SF & MF.
Product Codes – 230, 274, 840, 847, 895, 899, 1801, 1805, 1806, 1833 & 1899
Branches/Offices to collect the charges manually, if the aggregate limit exceeds the cut off
for waiver
421/21 14.06.21 : Implementation of Revamped PMFBY- Kharif 2021.
Voluntary for all farmers,
Branch must generate the challan and raise the NEFT/RTGS against the
challan within 15 days the enrolment cut-off date.
It should be avoided to generate the challan and payment of challan on the
last day as in case of failure, refund may take 2- 3 days and after cut-off
challan generation process is stopped.
NEFT/RTGS transfer amount against the challan should be exact match
with the transaction amount mentioned on the challan slip (Including
paise).
Do not round off the NEFT/RTGS amount even for the second decimal place.
This amount includes the service of of Rs 5 Plus 18% GST i.e Rs 5.90.
Reporting of crop loss intimations of farmers in case to localized
calamities and postharvest losses to implementing Insurance Companies
within 48 hours of receipt of intimations from farmers
556/21 16.08.21 : CONTINUATION OF CONCESSIONAL ROI FOR HIGH VALUE/AREA SPECIFIC
AGRICULTURE ACTIVITIES w.e.f. 01.08.2021 TO 31.07.2022.
Discontinuation of Concessional RoI for Protected Cultivation

(Green Houses/Poly house/ Shade net cultivation)

The concessional ROI shall be withdrawn in the following cases:

In case of down-gradation in Risk Rating.
If account slips to NPA, Card rate to be charged retrospectively from the date of extending
concessional ROI.
In the event of non-compliance of sanction terms and conditions, card rate to be charged
retrospectively from the date of extending concessional ROI. I
If account is taken over by other Banks/FI’s, card rate to be charged retrospectively from the
date of extending the concessional ROI.
556/21
Schemes Existing eligibility condition Concessional RoI
Cold Storages & Rural Immovable primary and Collateral Security of 150% MCLR+0.15%
Godowns
Inland Fisheries above Rs.10 lakhs for inland fisheries (Aquaculture) MCLR +1.45%
(Aquaculture) with total security back up of 125% including Stock
.Horticulture Projects Large Horticulture projects above Rs.25 lakhs other MCLR +1.45%
than protected cultivation with immovable security
cover of 125%
Lift Irrigation Project Large projects above Rs.25 lakhs MCLR +0.70%
Micro Irrigation Projects Micro Irrigation projects above Rs.3.00 lacs MCLR +1.45%
. Seed Production & Security (other than stock) >100 MCLR + 1.00 %
Processing

Security (other than stock) 50 to 100 MCLR + 1.45 %

High Value Dairy Loans High value proposals of more than Rs.25 lakhs with One year MCLR
security back up of Immoveable properties to an +1.70%
extent of 125%

High value proposals of more than Rs.25 lakhs

MCLR +2.20%
without security back
556/21

Schemes Existing eligibility condition Concessional RoI

Potato Production in Potato cultivation in area for more than 50
the State of Punjab acres for the STATE OF PUNJAB
50 to 100 acres
MCLR+1.70 %

ABOVE 100 ACRES

MCLR+0.70 %
Scheme for Purchase of (Karnataka and Maharashtra States) MCLR+1 %
Sugarcane Harvesting
Machine under Tie-up
with Sugar Mills
Pineapple Crop KERALA STATE) MCLR +0.70%
Cultivation
Term Loan Scheme Up to Rs.10 lakhs RLLR+1.05%
“FLAVOUR” for Coffee
Processing Industries
10 TO 100 lakhs RLLR+1.75%
561/21 18.08.21 : National Livestock Mission – EDEG Component Allocation of funds for FY
2021-22.
“The Department of Animal Husbandry and Dairying, Ministry of Fisheries, Animal
Husbandry and Dairying, GOI have allocated budget of Rs.74,75,00,000/- for the year 21-22

604/21 14.09.21 : Mandatory seeding of Aadhar number to KCC accounts for crediting Interest
Subvention and Prompt Repayment Incentive. BO report “281126

625/21 21.09.21 : Modifications under Component –A of Pradhan Mantri Kisan Urja Suraksha
evam Uttham Mahabhiyan (PM-KUSUM) Scheme guidelines. (AGCL)

Competent authority has approved the revised repayment Norms for financing under
Component-A of PM-KUSUM scheme as 15 years including one year Repayment Holiday
576/21 30.08.21 : MODIFICATION IN SECURITY NORMS FOR GRANTING KCCS LOANS ON
LEASED LAND CULTIVATION.
Wherever farmers do not have own land and cultivating only lease lands :
Collateral Security: Mortgage of immovable property (L& B /Commercial property) value of
which should be minimum 125% of the loan amount, wherein value of vacant land should
not be more than 50%.
Wherever, farmer is cultivating in both own land and leased land :
Collateral security: Mortgage of own land and any other L & B /commercial property, value of
which should be minimum of 125% of the loan amount with value of vacant land should not
be more than 50%. However, if the value of the own land is alone 125% of the loan amount,
then other collateral security need not be insisted.
In case of existing KCC loans which are sanctioned with collateral security less than 125% of
the loan amount, they may be permitted to renew at the existing security level subject to
minimum 100% till closure.
However, enhancement in the limit if any, to be permitted with revised security norms i.e.,
minimum 125% of the loan amount
636/21 27.09.21 : Revised scheme guidelines of Agriculture Infrastructure Fund (AIF)
Eligibility has been extended to State Agencies, Agricultural Produce Market
Committees(APMCs), National & State Federations of Cooperatives, Federations of Farmer
Produce Organizations (FPOs) and Federations of Self Help Groups (SHGs). APMCs operating
regulated markets for agriculture and allied sector produce including fisheries shall also be
eligible.

A single entity can now set up maximum 25 projects at different locations having separate
Local Government Directory (LGD) code.

Each such project will be eligible for interest subvention on loan upto Rs 2 Crores.

However, the limit of 25 projects is not applicable to State agencies, National and State
Federations of Cooperatives, Federations of FPOs and Federation of SHGs.

APMCs will be eligible for multiple projects of different infra types within their designated
market area.

Scheme extended for 13 years i.e.,from 2020-21 to 2032-33 CONINUED…..

636/21 27.09.21 : Revised scheme guidelines of Agriculture Infrastructure Fund (AIF)
Rs 100000 Crore to be provided by banks and financial institutions as loans to PACS,
Marketing Cooperative Societies, FPOs, SHG, Farmers, JLG, Multipurpose Cooperative
Societies, Agri-entrepreneurs, Startups and Central/State agency or Local Body sponsored
Public Private Partnership Projects, State Agencies, Agricultural Produce Market Committees
(Mandis), National & State Federations of Cooperatives, Federations of FPOs (Farmer
Produce Organizations) and Federations of Self Help Groups (SHGs).

Loan disbursement under the scheme will complete in 6 years.

During the financial year 20-21, the projects amounting to about Rs 4000 crore have been
sanctioned under the scheme.

Repayment period : Maximum period 7 years including the moratorium period of up to 2

years

650/21 30.09.21 : AGRICULTURE INFRASTRUCTURE FUND (AIF) SCHEME– Campaign from

01.10.21 to 15.10.21. (9 th day of every month to be observed as “AIF DAY”)
675/21 12.10.21 : “Krishi Sankalp- Mega Core Agriculture Disbursement Campaign-December
2021” from 01.10.21 to 31.12.21.

Agriculture is the primary source of livelihood for about 58% of India’s

population.
Gross Value added by agriculture, forestry, and fishing was estimated at
Rs.19.48 lakh crore in FY 2019-20.
Indian food and grocery market is the world’s 6th largest, with retail
contributing 70% of the sales.

The Indian Food processing industry accounts for 32% of the country’s total
food market

Each AEO to disburse Rs. 4.50 Cr (Rs.1.50 Cr per month) during Campaign
Hi-Tech AF branch to disburse Rs.18 Cr (Rs. 6 Cr per month) during Camp
Each Non-AEO branch to disburse Rs.2.25 Cr (Rs. 0.75 Cr per month) during
the Campaign
Each ACC (Agricultural Credit Centre) to disburse Rs. 58.50 Cr (Rs. 19.50 Cr
per month) during the campaign period.
OLD MATERIAL : QUESTIONS MAY NOT COME FROM THIS
Kisan Tatkal

Only for KCC holders to meet post harvest expenses

Min. ₹1000/- Maximum ₹50,000)

Repayment :, 3-5 years half yearly/ Yearly installments.

Krishi Mitra Credit Card Scheme (KMCCS)

Tenant farmers, oral lessess, share croppers and farmers

who have lands, but do not have land records

Loan amount ₹50,000/- Total limit should not exceed 50% of

the value of the produce

Tenability 3 years
Canara Kisan OD Scheme :

OD facility for Agriculturists having One year satisfactory track record.

This norm may be relaxed by the next higher authority provided
following norms of the scheme are complied with.

Purpose – NOT for crop production

Other purpose like repair/replacement of animals/machinery, land

development activities or expenses, repayment of genuine private
debts, nonfarm sector wc and consumption needs.

MINIMUM QUANTUM - ₹ 1.00 lakh

 )
 Conditions KOD sanction at IF RECOVERY IS MORE
branch THAN 90%
Maximum of 3 times Maximum of 4 times
of gross annual income of gross annual income
Quantum
or or
Max Limit-₹ 7.50 lakhs Max Limit-₹ 12.50 lakhs

₹ 1 lakh per acre ₹1.50 lakh per acre

Ceiling on Finance per
subject to 50% of the subject to 50% of the
acre of land mortgaged
value of landed property. value of landed property.

Maximum amount to be given under KOD for repayment of Private Debts is now Rs
2.00 Lakhs.

Folio Charges @₹100/- per folio ie 40 entries. Debited Quarterly

Tenability: 3 years with annual review.

Produce Loan

Maximum ₹50 lacs per farmer/ borrower.

Branch sanction limit is restricted to Rs 10.00 lacs per

party under the scheme. Loan above Rs 10.00 lacs
through higher authority as RO/CO.

Valid for one year Maximum 75 % of the assessed value.

The assessed value shall be least of the following:

➢Minimum Support Price declared by
state /Central Govt.
➢Current market price.
➢Value as per Negotiable Warehouse Receipt
Farm Machinery Loans

Purpose : Farm machinery loans are considered for

purchase of tractor, power tiller, trailer and accessories,
combine harvester, grain threshers, sprayers, dusters,
ploughs drills and such other farm implements and
equipments needed for agricultural activity.


Features FM/ Tractor Loan Small Tractor Loan
Eligible Farmers / Group of farmers Farmers / Group of farmers owning
customers owning 8 acres irrigated or 6 acres irrigated or 12 acres dry
16 acres dry land Land

Financing tractor/ Farm Purchase of brand new small

Machinery as per Scoring tractor (up to 30HP), accessories
matrix. and Implements.
Tractor usage for 1200-
1400 hours. Minimum 600 Usage : At least 1000-1200
hours in farmers own working hours including minimum
land. 500 hours on the farmers own
land.

Max. loan amount for purchase of

tractor is 3.5 lacs and
additional loan of Rs. 50,000 for
accessories/implements/trailer
may be considered
Repayable within 7 to 9 years

 Bird Insurance waiver Conduct Scoring- The
corpus fund at Borrower level to be collected as RD
per month (collected for 5 yrs) on working capital
limit/s & should be stipulated as collateral.
 Commercial Layer – 6 % of WC,
 Parent Broiler – 10% of WC.
 Commercial Broiler– 12% of WC
Matsya Suraksha” A Scheme to Finance Fishermen
cost of fuel, oil, consumables and stores, repairs and maintenance of own boats,
selling and other WC related expenses.
Minimum: Rs. 10,000/- Maximum Rs. 1,00,000/-
Repaid in 35 months in 24 equal instalments.(Repayment holiday from June to Sept
every year)
“Matsya Parirakshan” (A Scheme to Finance Fisher Women )
To meet recurring expenses of fisherwomen
Single transaction Short- term loan
Min 5000/- Max 50000/-
Repaid in 35 months NO HOLIDAY period.
“Matsya Samruddhi” (A Scheme to Finance SHGs/JLGs)

(Women at fish markets either individually or in groups

Purpose : Fresh Fish vending, drying, salting, net making, feed production, manure
production, boat/ net purchase, carrying vehicle purchase, inland fisheries. The
total savings of the group for Five years at current rate shall be calculated.

Quantum depends on rate of savings. Maximum loan of Rs. 50,000/- per member
with a maximum of 10 lac per group.

CC limit tenable till 5 years, with repayable monthly interest

 • Agriclinics & Agribusiness Centres
Purpose • Constitution – individual, joint or partnership firms, Limited
companies, etc. Graduates in agriculture only
Ceiling on Project • Rs 20 lacs per graduate with max. Rs 100 lakhs per group of 5
eligible candidates (of whom one can be
Accounting/Management graduate)
Margin • Up to Rs 5 lacs: Nil and above Rs 5 lacs – 15 to 25%.

Agri-Clinics: To provide expert advice and services to farmers on

technology, cropping practices, protection from pests and diseases, market
trends, prices of various crops in the markets and also clinical services for
animal health, etc., which would enhance productivity of crops/animals
and increased income to farmers.

Agri-Business Centers: To Provide farm equipments on hire, sale of inputs

and other services.