Repayment Schedule

S.NoName of the schemeRepayment period (inclusive of Grace/gestation Period)Gestation PeriodGrace PeriodMode of Repayment of Loan
MINOR IRRIGATION
1.Borewell with Pumpset9 Yrs--9  Yearly  equated Installments
2.Tubewell9 Yrs--9  Yearly  equated Installments
3.Tubewell with Pumpset9 Yrs--9  Yearly  equated Installments
4.Replacement / Renovation of Tubewells9 Yrs--9  Yearly  equated Installments
5.Purchase of Pump Set9 Yrs--9  Yearly  equated Installments
6.Drip Irrigation9 Yrs--9  Yearly  equated Installments
7.Sprinkler Irrigation System9 Yrs--9  Yearly  equated Installments
8.Rain Water Harvesting Scheme for SC / ST farmers9 Yrs-2 YrsA) Interest to be recovered yearly during the Grace Period in 2 yearly installments. B) Balance in 7 Yearly equated Installments
9.Solar Photovoltaic Water Pumping System10 Yrs.10 Yearly equated Installments
LAND DEVELOPMENT
10.Soil Conservation10 Yrs-1 Yr.A) Interest to be recovered yearly during the Grace Period. B) Balance in 9 Yearly equated Installments
11.Reclamation of Land10 yrs-1 yr.A)  Interest to be recovered yearly during the Grace Period B) Balance in 9 Yearly equated Installments.
12.Under Ground Channels / Pipe-line10 Yrs-1 yr.A)  Interest to be recovered yearly during the Grace Period B) Balance in 9 Yearly equated Installments.
13.Land Levelling10 Yrs-1 yr.A)  Interest to be recovered yearly during the Grace Period B) Balance in 9 Yearly equated Installments
14.Redemption of Land (Normal)10 Yrs--10 Yearly equated installments
15.Purchase of Land (Scheme)10 Yrs- .-10 Yearly equated installments
  
FARM MECHANISATION
16.Tractor9 Yrs--18 Half-yearly equated Installments
17.Thresher5 Yrs--10 Half Yearly equated Installments
18.(A)    Harvestor Combine – Self – Driven5Yrs--10 Half-Yearly equated  Installments
(B)    Harvestor Combine - Tractor Driven5 Yrs--10 Half-Yearly equated Installments
19.Repair & Maintenance of tractor5 Yrs--10 Half-yearly equated Installments
20.Trolley7 Yrs--14 Half-yearly equated Installments
21.Agriculture Implements7 Yrs--14 Half-yearly equated Installments
22.Straw Reaper7 Yrs--14 Half-yearly equated  Installments
23.Strip Till Drill7 Yrs--14 Half-yearly equated Installments
24.Old Tractor7 Yrs--14 Half-Yearly equated Installments
PLANTATIONS & HORTICULTURE
25.Mango10 Yrs5 Yrs2 YrsA)      First 5 Yrs nothing is to be recovered. B) For 6 th &7 th Year, only interest ( Including Deferred Interest of first 5 Yrs ) is to be recovered in 2 yearly equated Installments. C) Balance in 3 Yearly equated installments
26.Grapes10 Yrs3 Yrs-A)      First 3 Yrs nothing is to be recovered. B) Balance in 7 Yearly equated Installments ( Including Deferred Interest of first 3 years ) is to be recovered.
27.Guava10 Yrs5 Yrs2 Yrs.A)      First 5 Yrs nothing is to be recovered. B) For 6 th & 7 th Year, only Interest ( Including Deferred Interest of first 5 Yrs ) is to be recovered in 2 yearly equated installments. C) Balance in 3 Yearly equated installments.
28.Citrus Fruits – Kinoo / Orange / Malta10 Yrs5 Yrs2 Yrs.A)      First 5 Yrs nothing is to be recovered. B) For 6 th &7 th Year, only Interest ( Including Deferred Interest of first 5 Yrs ) is tobe recovered in 2 yearly equated installments. C) Balance in 3 Yearly equated installments.
29.Ber / Lichi and All other Fruits10 Yrs5 Yrs2 Yrs.A) First 5 Yrs nothing is to be recovered. B) For 6 th & 7 th Year, only Interest ( Including Deferred Interest of first 5 Yrs ) isto be recovered in 2 yearly equated installments. C) Balance in 3 Yearly equated installments
30.Gladiolus / Floriculture6 Yrs-1 Yr.A) During Grace Period, only interest to be recovered in 2 Half-yearly equated installments. B) Balance in 10 Half-yearly equated Installments
31Mushroom Cultivation7 Yrs--14 Half Yearly equated Installments.
32.Aromatic Flowers (Rose / Tube-rose / Jasmine)6 Yrs-1 Yr.A)      During Grace-Period, only interest is to recovered in 2 Half-Year equated installments. B) Balance in 10 Half-Yearly equated Installments
33.Cultivation of Amla with Drip Irrigation in Kandi  area.6 Yrs-1 Yr.A)      During Grace-Period, only interest is to recovered in 2 Half-Year equated installments. B) Balance in 10 Half-Yearly equated Installments
34.Cultivation of Aloevera in 8 distts.6 Yrs-1 Yr.A)      During Grace-Period, only interest is to recovered in 2 Half-Year equated installments. B) Balance in 10 Half-Yearly equated Installments
35.Financing of Jatropha Plantation10 Yrs-3 Yrs.A)      During Grace-Period, only interest is to recovered in 2 Half-Yearly equated installments. B) Balance in 12 Half-Yearly equated Installments
AH-DAIRY
36.Dairy Entreprenueurship Development Scheme-Small Dairy upto 10 animals; Small Dairy upto 10 animals;Vermicompost; Milk Mach./ Cooling Units; Milk Prod./ Processing Eq.; Transportation/ Cold Chain; Cold Storage Facilities; Veterinary Clinics ; Dairy Parlour/ Dairy Mktg. OutletsVaries from 5 to 7 years depending upon the component of the schemeVaries from 0 to 1year depending upon the component of the scheme equated half yearly installments
37.Buffalo Breeding5 Yrs-1 Yr.A)      During Grace Period only Interest is to be recovered in 2 Half-Year equated installments. B) Balance in 8 Half-Yearly equated Installments
38.Calf Rearing5 Yrs-1 Yr.A) During Grace Period only Interest is to be recovered in 2 Half-Year equated installments. B) Balance in 8 Half-Yearly equated Installments
39.Dairy Farming / Dairy Self & all other Dairy Schemes5 Yrs--In equal Monthly / Quarterly / Half-Yearly Installments
40.Commercial Dairy7 Yrs--In equal Monthly / Quarterly / Half-Yearly Installments
41.Cattle Shed / Godown9 Yrs--In 18 Half-Yearly equated Installments
42.Capital Venture Fund for Dairy9 Yrs-2 Yrs.A)      During Grace Period, Interest is to be recovered in equal Monthly / Quarterly / Half-Yearly Installments B) Balance in equal Monthly / Quarterly / Half-Yearly Installments
AH–POULTRY
41Hatchery-Broilers7 Yrs-1 Yr.A)    During Grace Period only Interest is to be recovered in equal Monthly / Quarterly / Half-Yearly equated installments . B) Balance in equal Monthly / Quarterly / Half-Yearly equated Installments
42Hatchery-Layers7 Yrs-1 Yr.A)    During Grace Period  Interest is to be recovered in equal Monthly / Quarterly / Half-Yearly equated installments . B) Balance in equal Monthly / Quarterly / Half-Yearly equated Installments
43Poultry7 Yrs-1 Yr.A)      During Grace Period only Interest is to be recovered in equal Monthly / Quarterly / Half-Yearly equated installments . B) Balance in equal Monthly / Quarterly / Half-Yearly equated Installments
44Capital Venture Fund for Poultry9 Yrs-2 Yr.A)   During Grace Period  Interest is to be recovered in equal Monthly / Quarterly / Half-Yearly equated installments . B) Balance in equal Monthly / Quarterly / Half-Yearly equated Installments
AH–SHEEP/GOAT/ PIGGERY/RABBIT
45Sheep Rearing5 Yrs-1 Yr.A)      In 1 st Year only Interest is to be recovered in 2 Half-Yearly equated installments. B) Remaining in 8 Half Yearly equated installments
46Goat Rearing5 Yrs-1 YrA)      In 1 st Year only Interest is to be recovered in 2 Half-Yearly equated installments. B) Remaining in 8 Half Yearly equated installments
47Piggery5 Yrs-1 YrA)      In 1 st Year only Interest is to be recovered in 2 Half-Yearly equated installments. B) Remaining in 8 Half Yearly equated installments
48Rabbit Rearing5 Yrs-1 YrA)      In 1 st Year only Interest is to be recovered in 2 Half-Yearly equated installments. B) Remaining in 8 Half Yearly equated installments
AH – OTHERS
49Bullocks5 Yrs--10 Half-Yearly equated Installments
50Bullock carts5 Yrs--10 Half-Yearly equated Installments
51Camels5 Yrs--10 Half-Yearly equated Installments
52Camel cart5 Yrs--10 Half-Yearly equated Installments
FISHERIES
53Fish Farming7 Yrs-1 Yr.A)      1 st year only Interest is to be recovered in 2 Half Yearly equated installments. B) Remaining in 12 Half Yearly equated Installments
54Fisheries–Others (Hatchery, renovation of ponds etc.)7 Yrs-1 Yr.A)      1 st year only Interest is to be recovered in 2 Half Yearly equated  installments. B) Remaining in 12 Half Yearly equated Installments
SERICULTURE
55Sericulture(Mulberry cultivation & Cocoon rearing)5 yrs-1 Yr.A)      1 st year only Interest is to be recovered in 2 Half Yearly equated installments. B) Remaining in 8 Half Yearly equated Installments
STORAGE GODOWNS & MARKET YARDS
56Rural Godown11 Yrs.-1 YrA)      1 st Year only Interest is to be recovered in 2 Half Yearly equated installmentsB)      Remaining in 20 Half Yearly equated Installments
57Cold storage9 Yrs.-1 YrA)      1 st Year only Interest is to be recovered in 2 Half Yearly equated installmentsB)      Remaining in 16 Half Yearly equated Installments
58Godown-cum–Shed for parking Agricultural Machinery7 Yrs--7 Yearly equated Installments
59Onion Godown9 Yrs.-1 YrA)      1 st Year only Interest is to be recovered in 2 Half Yearly equated installmentsB)      Remaining in 16 Half Yearly equated Installments
60Strengthening of Agricultural Marketing infrastructure, grading and Standarization.9 Yrs.-1 YrA)      1 st Years only Interest is to be  recovered in 2 Half Yearly equated installmentsB)      Remaining in 16 Half Yearly equated Installments
FORESTRY
61Poplar10 Yrs-9 YrsA)      1 st 9 years only Interest is to be recovered in 18 Half-Yearly installments.B)      Remaining ( Principal & Interest) to be recovered at the end of 9 th year (in 10 th year) in 2 Half-Yearly equated installments.
62Farm Forestry / Eucalyptus & all Other Forestry Schemes.10 Yrs.-9 YrsA)      1 st 9 years only Interest is to be recovered in 18 Half-Yearly installments.B)      Remaining ( Principal & Interest) to be recovered at the end of 9 th year (in 10 th year) in 2 Half-Yearly equated installments.
NON-CONVENTIONAL ENERGY SOURCES (NCES)
63Biogas / Gobar Gas Plants7 Yrs.--7 Yearly equated Installment.
64Commercial Production Units of Organic Inputs – Bio-Fertilizer7 Yrs.-1 YrA) 1 st Years only Interest is to be  recovered in 2 Half-Yearly equated installmentsB)  Balance (Principal & Interest) in 12  Half-Yearly equated Installments
65Commercial Production Units of Organic Inputs – Vermiculture Hatcheries7 Yrs.-1 Yr.A)  1 st Year only Interest is to be  recovered in 2 Half-Yearly equated installmentsB)  Balance (Principal & Interest) in 12  Half-Yearly equated Installments
66Commercial Production Units of Organic Inputs – Fruit & Vegetable Waste Compost.7 Yrs.-1 Yr.A)      1 st Year only Interest is to be recovered in 2 Half-Yearly equated installmentsB)      Balance (Principal & Interest) in 12  Half-Yearly equated Installments
NFS - 22 BROAD GROUPS
67Non Farm sector5 Yrs7 Yrs10 Yrs----10 Half-yearly equated Installments.14 Half-yearly equated Installments20 Half-yearly equated Installments
i) Upto Rs. 50000/-ii) Rs. 50,001 to 2,00,000/- lacsiii)Above Rs. 2,00,001/- lacs
68Bee Keeping5 Yrs--10 Half-Yearly equated Installments
NFS – INFRASTRUCTURE SUPPORT
69Small Road Transport Operators (S.R.T.O)5 Yrs--10 Half-Yearly equated Installments.
70Two Wheeler5 Yrs--10 Half-yearly equated Installments.
RURAL HOUSING
71Rural Housing – Construction15 Yrs1 Yr.A)      In 1 st Year only Interest is to be recovered in 2 Half-Yearly equated Installments. B)      In remaining 28 Half-Yearly Installments, both Principal & Interest is to be recovered.
72Rural Housing-Repair / Renovation5 Yrs--10 Half-yearly equated Installments.
OTHERS
73Swarojgar Credit Card Scheme5 Yrs--10 Half-yearly equated Installments.
74AEZ/Contract Farming3 Yrs--6 Half-yearly equated Installments.
75Education LoanDuration of the course +1 year gestation period 1 Yr.-10 (< 5lakh)or 14 (>5lakh) Half Yearly equated installments (Repayment Period would start after completion of the course + gestation period))
76Kisan Credit card scheme(agri allied)
Upto Rs 3,00,000/-5Yrs--10 Half Yearly equated installments
Rs 3,00,001/- to 10,00,000/-7Yrs--14 Half Yearly equated installments
Rs 10,00,001/- to 18,00,000/-10Yrs--20 Half Yearly equated installments
77Kisan Credit card scheme(NFS)
Upto Rs 3,00,000/-5Yrs--10 Half Yearly equated installments
Rs 3,00,001/- to 10,00,000/-7Yrs--14 Half Yearly equated installments
Rs 10,00,001/- to 18,00,000/-10Yrs--20 Half Yearly equated installments
78.Agriclinics & AgroBusiness Centres7Yrs--14 Half Yearly equated installments

Rate of Interest

Loan AmountRate (%)
Upto Rs. 50000/-11.10%
Above Rs. 50001/- 12.30%
Commercial Dairy
(10 or more milch animals)
11.80%
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