BANKING AND AGRI

FINANCE
Submitted By: - Group – 6
I.D. No: - 1251 to 1263
Rural and Agriculture
space in loans
 Instant Gold Loan from HDFC Bank
• The HDFC Bank Gold Loan is your definitive solution to meet your imperative financial needs. Whatever
your reason may be, education, business expansion, personal requirement, medical crisis or any other
specified end-use, our Loan against Gold is all you need.
• Fulfil your needs on your own with HDFC Bank Gold Loan which allows you to get funds in 45 minutes.

Documentation:
Submit any one of the following:
Features: •Passport
Interest Rates: Gold Loan Offering •Driving license
Rates offered in Gold Loan Interest •Voters’ ID Card
Apr’21-Jun’21 Gold Loan Tenure •Aadhaar Card issued by UIDAI
Min-8.85% Gold Loan Repayment •PAN Card
Avg-10.81% •One Passport Size Photograph
Gold Loan Processing
•Agri Allied Occupation
Max-17.10% Gold Loan Amount Documentation(for agriculture
customers)
ICICI INSTANT GOLD LOAN
ICICI Bank offers loan against gold jewelry. A customer can quickly avail of a Gold Loan for any value from
Rs. 10000 to 1 Crore with simple and easy documentation process.
How to get a Gold Loan?
To get a Gold Loan, you can walk into any ICICI Bank branch offering Gold Loan with your jewellery and avail of a Gold Loan for
any value from Rs 10,000 to Rs 1 crore quickly.
What is the interest rate of a Gold Loan?
ICICI Bank Gold Loan comes to you at attractive interest rates starting at 0.99%* per month based on the prevalent market
situation.
The rates will however vary according to the product variants.
What is the process to apply for a Gold Loan?1
Apply Online - Simply fill in all the required information and submit the form online.TEP 2
Receive a Call Back - Get a call back from our loan experts on your mobile no. for verification purposes.EP 3
Gold Valuation - Visit your selected nearest ICICI Bank branch for the valuation of gold submitted by you for the required loan.S 4
Loan Disbursement - Get easy loan disbursement, within just 45 minutes*
Agriculture Loans and Services
Kisan Gold Card
Retail Agri Loans finance to farmers for
specified sum of money, towards his farm
requirements like production of crop, post-
harvest, repair & maintenance and consumption
need of the farmer
(AVG IRR- 10.08%)
Crop Loans
Avail crop loans if you are a farmer/agriculturist
• Growth of field crops
• Development of Commercial Horticulture
• Invest Funds in Orchards and Plantations
HDFC
Retail Agri Loan
Credit limit on Kisan Gold Card based on your farming
needs. The credit limit is renewed every year. The credit
limit is offered through an ATM Debit Card and can be
drawn any time. (AVG IRR – 11.60%)
Small Agri-business loans
Faster loans, Competititive Pricing, Transparency
Working Capital Solutions for Agri Traders, Arathiyas,
Food processing firms, Agri Exporters etc., to suit
business requirement and providing them with credit
Kisan Credit Card
Crop production cost & expenses towards consumption,
post-harvest expenses and repair & maintenance
For investment purpose like land development, purchase
of farm implement, Irrigation equipment etc.
Farmer Finance / Agriculture Loan / Krishi Loan

ICICI Bank offers a range of agriculture loans.

1. Retail Agri Loan - Kisan Credit Card / Kisan Card
 Rate of Interest – 11%
 Basic requirements to avail KCC
• The applicant should be in the age group of 18-70 years
• Owns a piece of agricultural land
• Engaged in agricultural or Allied Agricultural Activities
2. Long term Loan for agriculture & allied activities (Agri Term Loan)
 Rate of Interest 14%
 Repayment of loan: over a period of 3-4 years in monthly/Half yearly/ Yearly instalments as per
your convenience
Agriculture Term Loan- SBI Bank
Farm Mechanization Loan:
1.Combine Harvester Loan 2.Drip Irrigation Loan

Interest Rate 12% p.a. Interest Rate 12% p.a.

15% to 25% of the 15% to 25% of the total
cost of the combine Margin cost of the project
Margin
harvester and its
accessories Repayment Tenure 5 to 13 years
9 years, including •Up to Rs.10,000 – Nil
Repayment Tenure •More than Rs.10,000 –
grace period Collateral Mortgage or charge on
Collateral Mortgage of land land
 Dairy Loan Poultry Loan Fisheries Loan

Interest Rate 12.10% p.a. Interest Rate 12.10% p.a. Interest Rate 12.10% p.a.
Margin 25%
Margin 15% 15% to 25% of
5 years (in bi- Margin the total
Repayment monthly project cost
installments)* 60 months
Repayment (start-up period
Mortgage of Period Repayment Maximum 48
the land on is 6 months) Period months
which the shed
Collateral or other
infrastructure For loan up to
Guarantee of Rs.1 lakh – Nil
will be milk union or
constructed** Collateral Collateral For loan above
mortgage of Rs.1 lakh –
property Land mortgage
 Land Purchase Scheme Setting up Agri Clinics and Agri Business
Centres

Loan Amount •Individual activities – Rs.20 lakh*

85% of the cost of the •Group activities – Maximum of Rs.100 lakh
Loan Amount
land*

9 to 10 years from the Repayment 5 to 10 years, with grace period of 2 years

Loan expiry of the gestation Tenure
Repayment period (half-yearly
installments)** •Up to Rs.5 lakh – Hypothecation of assets
created
Mortgage of the land that Security •More than Rs.5 lakh - Hypothecation of assets
Security
is being purchased created and mortgage of land or third-party
guarantee

The applicant’s 50% share of the margin will be

Soft Loan
provided by NABARD as a soft loan. There will
Assistance
be no interest on this amount.
Tractor Loans - ICICI Bank
ICICI bank offers easy and hassle-free tractor loans for first time buyers/tractor owners having agricultural land.

Benefits
INTEREST RATE 12.55% - 19.65%
• Easy loan procedure
• Quick processing LOAN AMOUNT Up to 90% finance of value of
• Repayment period up to 5 years & Loan upto 90% of tractor cost the tractor

• Flexible repayment options LOAN TENURE Maximum 60 months

• Fixed Rate of Interest throughout the tenure
MARGIN REQUIRED 15% of loan amount
• Non- mortgage loan available
• Low processing fee PROCESSING FEE 2% to 3% of loan amount
• low Interest Rate
•
PREPAYMENT Lower of the 2 options
Dedicated Credit Relationship Manager
CHARGES mentioned:1) 4% of principal
• Digital Sourcing & Collection process outstanding or 2) Interest
outstanding for unexpired
• Express Sanction period of loan
• Easy Part Prepayment Facility with no charges
• Structured Flexible EMI scheme
 HDFC- TRACTOR LOANS

Interest Rate 14 – 22 %

Loan Amount Up to 90% finance of value of the tractor

CRITERIA / ELIGIBILITY
Loan Pay Back Period 1-7 years
• Minimum age - 18 years
Margin Required Minimum of 15%. • Maximum age - 60 years
Processing Fee 2% of loan amount • Minimum Annual Income : ₹ 1 lakh (for Farmers) &
₹ 1.5 lakhs (for Commercial segment)
Late Payment Penalty 2% per month on unpaid installments

Repayment
Can be done by Post-dated Cheques (PDCs) or DOCUMENTS REQUIRED
Electronic Clearing System (ECS) • ID Proof
• Address Proof
Collateral
No additional collateral to get a tractor loan • Income proof (Land Records - not older than 3 months)
• Signature Proof
Insurance
Get Credit Shield for tractor loan and • Income Tax (ITR) and financial statements for the last two years
protect family from debt

BENEFITS CLAIMED
Repayment as EMI
• Non farmers are also eligible to avail this loan
6% If within 6 months from the date of disbursement on the •
principal outstanding Financing available for New as well as Used Tractors
• The LoanA amount will cover the cost of tractor, accessories,
4% After 6 months and before 12 months implements, insurance and registration expenses.
• Facility of Monthly, Quarterly and Half yearly repayment
2% After 12 months
• Loan can be availed of with or without additional collateral
 Features & Benefits of State Bank Of India Tractor Loan
Tractor Loans -SBI Bank • Financing available for New as well as Used Tractors

• Get up to 90% finance on your tractor

INTEREST RATE 12% • Affordable Tractor loan interest rates

• The Loan amount will cover the cost of tractor, accessories,

LOAN AMOUNT Up to 90% finance of value of implements, insurance and registration expenses.
the tractor
• Customized financing solutions to meet individual requirements
LOAN TENURE Maximum 5 years
• Minimal documentation, quick processing and faster
disbursements
MARGIN Minimum of 15%. • Loan can be availed of with or without additional collateral
REQUIRED
• Flexible loan tenure
PROCESSING 2% to 3% of loan amount
• Facility of Monthly, Quarterly and Half yearly repayment
FEE
• You can use post-dated cheques (PDCs)/ Standing
PREPAYMENT As per bank's policy Instruction/ECS/ ACH to easily repay the loan
CHARGES
• Non farmers are also eligible to avail of a loan
MICRO FINANCE-

• Microfinance, also called microcredit​, is a type of banking service provided to unemployed or low-income individuals or groups
who otherwise would have no other access to financial services.
• While institutions participating in the area of microfinance most often provide lending—microloans can range from as small as
$100 to as large as $25,000—many banks offer additional services such as checking and savings accounts as well as micro-
insurance products, and some even provide financial and business education. The goal of microfinance is to ultimately give
impoverished people an opportunity to become self-sufficient.
KEY POINTS OF MICROFINANCE:-
•Microfinance is a banking service provided to unemployed or low-income individuals or groups who otherwise would have no other
access to financial services. 
•Microfinance allows people to take on reasonable small business loans safely, and in a manner that is consistent with ethical lending
practices. 
• Most microfinancing operations occur in developing nations, such as Uganda, Indonesia, Serbia, and Honduras. 
•Like conventional lenders, microfinanciers charge interest on loans and institute specific repayment plans.
•The World Bank estimates that more than 500 million people have benefited from microfinance-related operations
SUSTAINABLE LIVELIHOOD INITIATIVE

• Our Sustainable Livelihood Initiative (SLI) is a holistic approach that aims to deliver financial support to
that section of the population who lack access to formal banking services. By making loan availability
convenient and stress-free, our objective is to empower SHGs and JLGs with financial independence and
eliminate their dependence on money lenders. 
• So far, HDFC Bank SLI has enabled women to avail credit and utilise it for professions such as livestock
rearing, handicrafts, tailoring, artificial jewellery designing, setting up grocery shops, etc. It has also
augmented cash flow to farmers by extending collateral-free loans. 

IMPACT DATA

Women trained 41,01,642

Women supported though

capacity building programme
2,52,506

Self help group formed

6,81,823
FEATURES OF SUSTAINABLE LIVELIHOOD INITIATIVE
LOAN PROGRAMME BY HDFC BANK
Category Features

Eligibilty Criteria •Existing and new SHG and JLG with a minimum of five members
•Should have a regular repayment track record or must exhibit consistent savings in the savings account
•Bureau check is mandatory

Type of borrowers Women

Tenure • Upto 18 Months for JLG

• Up to 30 Months for SHG
Range of loan •Minimum - Rs.15,000/-per member
•Maximum - Rs.65,000/- per member

Documentation •Identity and address proof (copy of voter ID card/driving license/Aadhaar)

•Loan track records (if any loans are obtained)
Interest Rates •14% to 18% p.a for SHG
•24% to 25 % p.a for JLG
Charges •No processing Fees
•No closure charges
•No pre-closure charges

Repayment Monthly : EMI

How to apply?  Visit your nearest HDFC Bank Branch

Terms and conditions apply
 MICRO BANKING - ICICI
• ICICI Bank has created products that are simple, convenient and locally accessible so as to maximise
customer comfort.
• Self Help Groups:
• Self Help Groups (SHGs) are homogeneous group of 10-20 individuals who get together for saving
and internally helping each other in times of need. Self Help Group-Bank Linkage Program (SBLP)
aims to deliver financial products & services to the section of Indian population that lacks access to
formal banking. This segment, often from the lower income, meets its financial needs through
informal sources such as money lenders, traders, family and friends etc. However, these sources
have their own limitations.
• Eligibility:
 SHG should be in existence for at least 6 months
 Group of 10-20 women
 A minimum Savings/Corpus of Rs 5,000
 Acceptable level of financial and administrative discipline in running of the SHG
Micro Savings
ICICI Bank recognizes the need for easy savings facilities for
their unbanked customers.
Pioneered the launch of micro-savings products under their
‘Business Correspondent’ (BC) model. They have partnered with
NGOs, Societies and Trusts their business correspondents, to
deliver savings services to their low-income customers.
ICICI Bank offers credit facility to clients sourced by Business
Correspondent Partners.
Key Features:
• Nature of facility: Demand Loan/ Term Loan
• Loan Ticket Size: Rs. 10,000 - Rs. 50,000
• Loan Tenure: Minimum 12 months and Maximum 24 months
• Rate of Interest:
• Loan Amount - Rs. 15,000 and below - Rate of Interest
25.76%
• Loan amount - Above Rs. 15,000 - Rate of interest 25.12%
• Loans Post June 30, 2016 - Rate of interest 22.25% p.a.
• Processing Fees + Charges: No processing fee, foreclosure
fee or renewal fee
• Security: No security/ collateral is required.
Apna Savings Account
Features:
 The Rural Savings Account will be
available through Business
Correspondents.
 The account is zero balance with no initial
deposit.
 The Customer is provided with an E-
passbook.
 All transactions in the accounts are done
only after a biometric authentication.
 Nomination facility is available.
 Interest is payable on quarterly basis.
Eligibility
The account is available only for:
 Only for Resident Indians. NRIs and
foreign nationals are not eligible for this
Account.
 Individuals residing in rural areas.
Micro Finance:

ICICI Bank provides financial assistance to the MFIs in the form of Term loan, Overdraft and
Portfolio Buyout facilities. Access to financial services is a key element in the process of socio-
economic empowerment of the financially under-served sections of the society.

Initiatives:
 To enhance access to financial services by bridging gaps wherever there are missing markets.
 To improve livelihood opportunities and productivity in the country.
 To bring more people into the socio-economic mainstream, thus contributing to the full
realisation of India’s vast untapped market.
 SBI – Microfinance- SBI Bank
SHG-BANK Credit Linkage
SBI has actively participated in SHG-Bank Credit Linkage programme since its inception in 1992 as a pilot project of NABARD. Since then, the
Bank has made a steady progress in financing SHGs. SBI market share in SHG credit linkage is 23.65% (March 2018) among public sector
Banks.
Initiatives
•Sensitization of staff working in rural and semi-urban branches.
•Training programmes on SHGs are conducted at 54 Learning Centres and SBIRD, Hyderabad.
•Close liaison with NGOs
•Lending to NGOs / Federations of SHGs / MFIs
•Training /skill up-gradation through 151 Rural Self Employment Training Institutes (RSETIs)
•Financial Literacy Centres (FLCs): 338 FLCs conduct camps, seminars and workshops to create financial awareness among people.
•Scheme for Promotion of Women SHGs implemented through anchor NGOs in 150 backward / Left Wing Extremism (LWE) affected
districts.
•Cash credit facility provided to SHGs to facilitate flexibility in operation. SHG members can save variable amount over and above the
minimum saving fixed by the group. This forms part of saving corpus for the purpose of arriving at loan limit to SHGs.
•Scheme for Financing (SHGs) of Scheduled Tribes (STs) for channelizing the funds of National Scheduled Tribes Finance and Development
Corporation (NSTFDC).
•Under National Rural Livelihood Mission (NRLM) scheme, loans to Women SHGs are provided at 7% p.a. interest rate in 250 identified
districts. Prompt payee SHGs gets additional subvention of 3% p.a.
•Under Joint Liability Groups (JLGs), loans are granted to groups for economic activities like crop production, allied agricultural activities, etc.