आपसे अनुरोध किया जाता है कि आपके आधार नंबर प्रमाणीकरण की स्थिति “असफल” होने के मामले में अपने आधार कार्ड की प्रति शाखा में जमा करें। अपने आधार नंबर के प्रमाणीकरण की स्थिति जानने के लिए तत्काल शाखा से संपर्क करें।
You are requested to submit a fresh copy of your Aadhaar Card to the Branch in case the authentication status of your Aadhaar number is “FAILED”.
To know the authentication status of your Aadhar Number, please contact the Branch immediately.
A unique Scheme to provide adequate and timely credit support under a single window to the farmers for their cultivation and other needs.
Crop loan Component: Cash Credit
Allied activities component: Cash Credit - Working capital for activities allied to agriculture
Term loan Component : To meet Capital requirements
All Farmers – Individuals/ Joint borrowers who are owner cultivators.
Owner cultivator cultivating leased land along with self cultivated land.
Tenant Farmers, Oral Lessees & Share Croppers.
SHGs or Joint Liability Groups of Farmers including tenant farmers, share croppers etc
Crop Loan Component :
The First year limit consists of Production credit + 30% for Contigency+30% for Domestic Expenses.
The Limit for subsequent years are arrived by adding 10% of the limit towards cost escalation/ increase in Scale of Finance upto 5th year.
Working capital for activities allied to agriculture:
30% of the 1st year limit.
Term Loan :
Term loan limit shall be restricted to seven times of annual surplus generated from present/proposed farm operations as well as allied activities OR 50% of the value of land.
Term Loan -Maximum limit Rs.10 lakh under Akshay Krishi Kisan Card Scheme.
For Crop loan Component: Nil
For Term Loan Limit under Akshay Krishi Kisan Credit Card scheme where the limit is arrived on the basis of 50 % of the value of land ( fixed by appropriate authority in the blocks/circles/districts of the state )- Margin-Nil
In all other cases of loan above Rs 1,00,000/- Margin-15%
On Debit balances: On Debit balances: As applicable to agricultural advances. Interest subvention announced by Central Government and/or State Government from time to time is also available to crop loan borrowers. (click here for Rate of Interest)
On Credit Balances in AKCC a/cs : The interest as applicable to S/B account (presently 4%) shall be paid on Credit balance on daily basis.
For loans up to Rs. 1,00,000.00 – Hypothecation of crops/movable assets.
For loans above Rs. 1,00,000.00 – Hypothecation of crops/movable assets.
Mortgage/Charge Creation of land as per Agricultural Credit Operation Act of the states concerned.
Charge/lien over liquid securities in the form of Fixed Deposit/NSC/KVP etc. and gold, providing full cover to the limit granted.
Guarantee from two persons of adequate means and repute – acceptable to the Bank.
Above Rs.4 Lac – (depending on the Course / Institutes) security varies from third party guarantee, co-obligation of parents, full collateral security
Specified crops grown in notified areas will be covered under NCIP (National Crop Insurance Programme), Modified National Agriculture Insurance Scheme/(MNAIS)/ Weather Based Crop Insurance Scheme(WBCIS) /Coconut Palm Insurance Scheme (CPIS) as operated by concerned State Government.
Personal Accident Insurance Scheme (PAIS) is also available.
Optional Health Insurance for famer customers is available.
Crop loan limit is sanctioned for a period of 5 years, subject to renewal of the limit each year.
The Term loan component under the scheme is designed to meet the capital expenditure where the asset life is such that repayment is ensured within 9 years.