The Bank disburses loans to the ultimate borrower, for the following main schemes from time to time.

S.No | Major Purpose Code | Sub-Purpose Code | Name of the scheme | Repayment period (inclusive of Grace Period) | Grace Period | Mode of Repayment of Loan |
---|---|---|---|---|---|---|

1 | MINOR IRRIGATION | |||||

1 | 103 | Borewell with Pumpset | 9 Yrs | - | 9 Yearly equated Installments | |

2 | 105 | Tubewell | 9 Yrs | - | 9 Yearly equated Installments | |

3 | 106 | Tubewell with Pumpset | 9 Yrs | - | 9 Yearly equated Installments | |

4 | 107 | Replacement / Renovation of Tubewells | 9 Yrs | - | 9 Yearly equated Installments | |

5 | 108 | Purchase of Pump Set | 9 Yrs | - | 9 Yearly equated Installments | |

6 | 110 | Drip Irrigation | 9 Yrs | - | 9 Yearly equated Installments | |

7 | 111 | Sprinkler Irrigation System | 9 Yrs | - | 9 Yearly equated Installments | |

8 | 113 | Rain Water Harvesting Scheme for SC / ST farmers | 9 Yrs | 2 Yrs | A) Interest to be recovered yearly during the Grace Period in 2 yearly installments. | |

B) Balance in 7 Yearly equated Installments | ||||||

3 | LAND DEVELOPMENT | |||||

9 | 302 | Soil Conservation | 10 Yrs | 1 Yr. | A) Interest to be recovered yearly during the Grace Period | |

B) Balance in 9 Yearly equated Installments | ||||||

10 | 303 | Reclamation of Land | 10 yrs | 1 yr. | A) Interest to be recovered yearly during the Grace Period | |

B) Balance in 9 Yearly equated Installments. | ||||||

11 | 304 | Under Ground Channels / Pipe-line | 10 Yrs | 1 yr. | A) Interest to be recovered yearly during the Grace Period | |

B) Balance in 9 Yearly equated Installments. | ||||||

12 | 308 | Land Levelling | 10 Yrs | 1 yr. | A) Interest to be recovered yearly during the Grace Period | |

B) Balance in 9 Yearly equated Installments | ||||||

13 | 307 | Redemption of Land (Normal) | 10 Yrs | - | 10 Yearly equated installments | |

14 | 306 | Purchase of Land (Scheme) | 10 Yrs | - . | 10 Yearly equated installments | |

5 | FARM MECHANIZATION | |||||

15 | 501 | Tractor | 9 Yrs | - | 18 Half-yearly equated Installments | |

16 | 503 | Thresher | 5 Yrs | - | 10 Half Yearly equated Installments | |

17 | 504 | (A) Harvestor Combine – Self – Driven | 5Yrs | - | 10 Half-Yearly equated Installments | |

(B) Harvestor Combine - Tractor Driven | 5 Yrs | - | 10 Half-Yearly equated Installments | |||

18 | 506 | Repair & Maintenance of tractor | 5 Yrs | - | 10 Half-yearly equated Installments | |

19 | 507 | Trolley | 7 Yrs | - | 14 Half-yearly equated Installments | |

20 | 508 | Agriculture Implements | 7 Yrs | - | 14 Half-yearly equated Installments | |

21 | 509 | Straw Reaper | 7 Yrs | - | 14 Half-yearly equated Installments | |

22 | 510 | Strip Till Drill | 7 Yrs | - | 14 Half-yearly equated Installments | |

23 | 511 | Old Tractor | 7 Yrs | 14 Half-Yearly equated Installments | ||

6 | PLANTATIONS & HORTICULTURE | |||||

24 | 611 | Mango | 10 Yrs | 5 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 | ||||||

25 | 612 | Grapes | 10 Yrs | 3 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. | ||||||

26 | 616 | Guava | 10 Yrs | 5 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. | ||||||

27 | 617 | Citrus Fruits – Kinoo / Orange / Malta | 10 Yrs | 5 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. | ||||||

28 | 618 | Ber / Lichi and All other Fruits | 10 Yrs | 5 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 | ||||||

29 | 622 | Gladiolus / Floriculture | 6 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 | ||||||

30 | 624 | Mushroom Cultivation | 7 Yrs | - | 14 Half Yearly equated Installments. | |

31 | 628 | Aromatic Flowers | 6 Yrs | 1 Yr. | A) During Grace-Period, only interest is to recovered in 2 Half-Year equated installments. | |

(Rose / Tube-rose / Jasmine) | B) Balance in 10 Half-Yearly equated Installments | |||||

32 | 629 | 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 | ||||||

33 | 630 | 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 | ||||||

34 | 629 | Financing of Jatropha Plantation | 10 Yrs | 3 Yr | A) During Grace-Period, only interest is to recovered in 2 Half-Year equated installments. | |

B) Balance in 12 Half-Yearly equated Installments | ||||||

7 | AH-DAIRY | |||||

35 | 703 | Buffalo Breeding | 5 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 | ||||||

36 | 704 | Calf Rearing | 5 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 | ||||||

37 | 706 | Dairy Farming / Dairy Self & all other Dairy Schemes | 5 Yrs | - | In equal Monthly / Quarterly / Half-Yearly Installments | |

38 | 707 | Commercial Dairy | 7 Yrs | - | In equal Monthly / Quarterly / Half-Yearly Installments | |

39 | 708 | Cattle Shed / Godown | 9 Yrs | - | In 18 Half-Yearly equated Installments | |

40 | 709 | Capital Venture Fund for Dairy | 9 Yrs | 2 | 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 | ||||||

8 | AH–POULTRY | |||||

41 | 803 | Hatchery-Broilers | 7 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 | ||||||

42 | 804 | Hatchery-Layers | 7 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 | ||||||

43 | 808 | Poultry | 7 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 | ||||||

44 | 809 | Capital Venture Fund for Poultry | 9 Yrs | 2 Yrs | 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 | ||||||

9 | AH–SHEEP/GOAT/ PIGGERY/RABBIT | |||||

45 | 901 | Sheep Rearing | 5 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 | ||||||

46 | 902 | Goat Rearing | 5 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 | ||||||

47 | 903 | Piggery | 5 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 | ||||||

48 | 904 | Rabbit Rearing | 5 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 | ||||||

10 | AH – OTHERS | |||||

49 | 1001 | Bullocks | 5 Yrs | - | 10 Half-Yearly equated Installments | |

50 | 1002 | Bullock carts | 5 Yrs | - | 10 Half-Yearly equated Installments | |

51 | 1003 | Camels | 5 Yrs | - | 10 Half-Yearly equated Installments | |

52 | 1004 | Camel cart | 5 Yrs | - | 10 Half-Yearly equated Installments | |

11 | FISHERIES | |||||

53 | 1104 | Fish Farming | 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 | ||||||

54 | 1199 | Fisheries–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 | ||||||

12 | SERICULTURE | |||||

55 | 1201 | Sericulture(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 | ||||||

13 | STORAGE GODOWNS & MARKET YARDS | |||||

56 | 1301 | Rural Godown | 11 Yrs. | 1 Yr | A) 1 st Year only Interest is to be recovered in 2 Half Yearly equated installmentsB) Remaining in 20 Half Yearly equated Installments | |

57 | 1303 | Cold storage | 9 Yrs. | 1 Yr | A) 1 st Year only Interest is to be recovered in 2 Half Yearly equated installmentsB) Remaining in 16 Half Yearly equated Installments | |

58 | 1305 | Godown-cum–Shed for parking Agricultural Machinery | 7 Yrs | - | 7 Yearly equated Installments | |

59 | 1306 | Onion Godown | 9 Yrs. | 1 Yr | A) 1 st Year only Interest is to be recovered in 2 Half Yearly equated installmentsB) Remaining in 16 Half Yearly equated Installments | |

60 | 1307 | Strengthening of Agricultural Marketing infrastructure, grading and Standarization. | 9 Yrs. | 1 Yr | A) 1 st Years only Interest is to be recovered in 2 Half Yearly equated installmentsB) Remaining in 16 Half Yearly equated Installments | |

14 | FORESTRY | |||||

61 | 626 | Poplar | 10 Yrs | 9 Yrs | A) 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. | |

62 | 1402 | Farm Forestry / Eucalyptus & all Other Forestry Schemes. | 10 Yrs. | 9 Yrs | A) 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. | |

75 | NON-CONVENTIONAL ENERGY SOURCES (NCES) | |||||

63 | 7501 | Biogas / Gobar Gas Plants | 7 Yrs. | - | 7 Yearly equated Installment. | |

64 | 7503 | Commercial Production Units of Organic Inputs – Bio-Fertilizer | 7 Yrs. | 1 Yr | A) 1 st Years only Interest is to be recovered in 2 Half-Yearly equated installmentsB) Balance (Principal & Interest) in 12 Half-Yearly equated Installments | |

65 | 7504 | Commercial Production Units of Organic Inputs – Vermiculture Hatcheries | 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 | |

66 | 7505 | Commercial 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 | |

77 | NFS - 22 BROAD GROUPS | |||||

67 | Non Farm sector | 5 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 | ||||||

68 | 7718 | Bee Keeping | 5 Yrs | - | 10 Half-Yearly equated Installments | |

79 | NFS – INFRASTRUCTURE SUPPORT | |||||

69 | 7901 | Small Road Transport Operators (S.R.T.O) | 5 Yrs | - | 10 Half-Yearly equated Installments. | |

70 | 7908 | Two Wheeler | 5 Yrs | - | 10 Half-yearly equated Installments. | |

81 | RURAL HOUSING | |||||

71 | 8104 | Rural Housing – Construction | 15 Yrs | 1 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. | |

72 | 8105 | Rural Housing-Repair / Renovation | 5 Yrs | - | 10 Half-yearly equated Installments. | |

73 | 10202 | Swarojgar Credit Card Scheme | 5 Yrs | - | 10 Half-yearly equated Installments. | |

74 | 10101 | AEZ/Contract Farming | 3 Yrs | - | 6 Half-yearly equated Installments. | |

75 | 7604 | Education Loan | 7 Yrs | 2 Yrs | 10 Half Yearly equated installment (Repayment Period would start after completion of the course) | |

76 | Kisan Credit card scheme(agri allied) | |||||

Upto Rs 3,00,000/- | ||||||

Rs 3,00,001/- to 10,00,000/- | 5Yrs | 10 Half Yearly equated installments | ||||

Rs 10,00,001/- to 18,00,000/- | 7Yrs | 14 Half Yearly equated installments | ||||

10Yrs | 20 Half Yearly equated installments | |||||

77 | Kisan 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 |