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Purchase of Agrl.implements,
Bullocks and carts, Land Development, repairs to Farm machinery
and meet the consumption needs of the farmers viz. Education,
Marriage etc., |
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Farmers having excellent
repayment of their ACC / ATL a/cs for the past 3 years
irrespective of their land holdings |
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- Five times the annual income or 50% of the value of
land mortgaged as collateral security whichever is less
with a maximum of Rs.10 lacs
- Loan for consumption purpose should not exceed
50% of the total limit
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20% and 30% (Consumption purpose) |
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As applicable to ATLs |
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Each loan has its own repayment
schedule with a maximum of 6-7 years |
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This facility is in addition
to KCC limit and treated as ATL a/cs (maximum of 5
a/cs), consumption purpose ATL is treated as clean Term
Loan |
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To meet the timely Cash Credit and Consumption
credit requirements of the farmers |
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- Entire crop production requirements for full year is
fixed based on operational land holding, cropping
pattern and scale of finance.
- Ancilliary to crop production viz. maintenance of Agri-machiney
implements, electricity charges also may be considered.
- Contingency requirement to an extent of 20% of the
peak credit limit for expenses
like
Medical, Education, Marriage, Funerals, Birth and
other religious ceremonies
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Appropriate drawing may be fixed based
on seasonality in credit requirements, projected cash flow
/
repayment , peak level requirement |
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KCC is like revolving cash credit limit
valid for 3 years subject to annual review. Repayment to
coincide
with harvesting / marketing. Any number of withdrawals and
repayment within the limit allowed |
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A credit card cum pass book issued to the
farmer borrower |
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Withdrawal slips |
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As applicable to Agricultural Advances |
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Erection of rural godowns for storing
farm produce to prevent distress sale by the farmers immediately
after harvest |
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Individual farmers / group of companies
/ growers partnership proprietary firms, NGOs, SHGs, Companies,
Co-operatives, Agro-processing co-op societies, Marketing
Boards and Agro processing corporations |
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- Minimum size of godown 100 MT cost Rs.2 lacs
- Maximum size of godown 10,000 MT cost Rs.150 lacs
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- Subsidy is back ended and will be released in two
instalments by NABARD.
- 25% of capital cost of the project subject to a maximum
amount of Rs.37.50 lacs for certain category of borrowers.
- 33% of capital cost of the project subject to a maximum
amount of Rs.50 lacs for certain category of borrowers.
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To enable the farmers to acquire combine
harvesters for timely completion of harvesting/threshing
and
winnowing operations of crops like paddy, wheat, soyabean,
economy on labour charges and lucrative income by way of
custom(hiring)
service |
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- Farmers, individuals as well as co-owners actually
cultivating the land (a minimum of 8 acres irrigated
land,corresponding
acreage for other types of land)
- Non-farming entrepreneurs capable of utilising
combine harvester for custom hiring work
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90% of the cost of the combine harvester
with accessories |
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10% of the cost of the combine harvester
with accessories |
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- Self propelled track version Rs.14 lacs (approx)
- Self propelled wheel version Rs.9 lacs (approx)
- Tractor mounted wheel version Rs.3.30 lacs (approx)
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The cost may vary depending on make/plan
and other factors |
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Combines should be comprehensively insured
against all risks for its full cost. Policy to be assigned
in Bank's favour |
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R.T.O :Combines should be registered with
the RTO and also Bank's charge noted in the RTO and the registration
book |
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5 years |
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13.00% |
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Models of combines tested by CFMTTI, Budni,
MP, FMTTI Hissar will only be eligible with BIS code IS:9164:1979 |
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Purchase of vehicles viz. two wheelers,
four wheelers carriage van, maxicabs, jeep, car, lorry, truck,
etc. for supervising agricultural operations / management
of the farm / estate and for transportation of agricultural
produce, inputs, labour etc. |
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- Agriculturists cultivating his own land or engaged
in allied activities such as dairy, poultry, sericulture,
fish farming etc.
- Persons engaged in production / distribution of agricultural
and allied commodities
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An upper monitoring ceiling of Rs.5 lacs
is fixed for the scheme |
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15-25% (minimum of 25% for MCVs/ACVs) |
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As applicable to ATLs |
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3-5 years in monthly / quarterly / half
yearly depending upon income generation |
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Contact
your nearest Branch
of State Bank of Mysore or |
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Chief Manager
State Bank of Mysore
Agricultural Banking Department
H .O.: K.G.Road, Bangalore - 560009, INDIA
Phone: 91 80 22353901 to 22353909 ; 22353473.extn.375;22353460
Fax: 91 80 22283684
email:cmagri@sbm.co.in
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