Category Scheme

Inputs & Central Kisan Credit Card-

Infrastructure CKCC

Inputs &
Infrastructure Cent Agri Gold Loan

Finance Cent SHG Bank Linkage

Finance CENT AGRI INFRA

 Cent Flexi Agri Business
Finance Loan

Finance Cent PMFME

Inputs &
Infrastructure Cent Kisan Vahan

Inputs & Cent Animal Husbandry

Infrastructure Infra

Inputs &
Infrastructure Cent Farm Machinery
Market
Awareness Cent FPO

Finance Cent Kisan Tatkal

Crop/Livestock
Knowledge Cent Dairy

Farming Cent Poly House Green

Techniques House Shade Net
Finance Cent Kisan Sathi

Land &
Resources Cent Agri Land Purchase

Business Agri Clinic and Agri

Management Business Center
Finance Scheme for financing JLGs

Market
Awareness Cent Warehouse Receipt

Inputs &
Infrastructure Cent Solar
Finance Cent VISVAS

Cent Fisheries and

Aquaculture Infrastructure
Development Fund (FIDF)
Finance Scheme

Cent Agricultural Marketing

Land & Infrastructure (A.M.I)
Resources Scheme
Inputs &
Infrastructure Cent Cold Storage

Farming
Techniques Cent Compressed Bio Gas

Crop/Livestock
Knowledge Cent Fishery
Inputs & Cent Food Processing Plus
Infrastructure – Oil Mill

Crop/Livestock
Knowledge Cent Mushroom

Finance Cent Naari Shakti

Crop/Livestock
Knowledge Cent Poultry

Farming
Techniques Cent SRMS
Purpose (General)
crops/ dairy animals/fisheries/poultry birds/other small
ruminants.
To provide Post-harvest expenses & Produce Marketing
loans.
To meet consumption requirement of farmers
To meet working capital requirement for maintenance of
farm equipment’s and other assets and activities allied to
agriculture like dairy, fisheries etc.

To meet non-speculative and urgent personal expenses like

marriage/educational/ medical needs, business related
needs, Production credit/working capital/investment
agricultural credit needs etc.

Lending to SHGs revolving Cash Credit/Term Loan.

Providing a medium - long term debt finances facility for

investment in viable projects for post-harvest management
Infrastructure and community farming assets through
incentives and financial support in order to improve
agriculture infrastructure in the country.
To provide finance to the units engaged in Food and Agro
processing /Agri Infrastructure/Seed Production /Bio
Pesticides & Bio Fertilizers/ Agri Service providers/Ancillary
activities

Support for micro food processing

To provide Finance for purchase of all type of vehicles i.e.

Two/Four/ Transport vehicle

Incentivizing investments by individual entrepreneurs, private

companies, MSME, Farmer Producer Organizations and
Section 8 companies to establish (i) Dairy processing and
value addition infrastructure (ii) Meat processing and value
addition infrastructure (iii) Animal feed plan

To finance purchase of Tractors, Trailers and other

agricultural implements and accessories.
Collectivization of Farmer Producer Organization (FPOs)
has emerged as a potential tool to transform Indian
agriculture into a sustainable business by taking advantage
of the scale by aggregation of input, demand, produce
aggregation and collective marketing, and value addition,
thus realizing the optimal returns for their produce.

To provide instant credit to the Farming community to meet

their emergency requirements for Agricultural and domestic
purposes for tiding over temporary difficulties.

To provide finance for establishment of dairy units for milk

production.

To provide need based financial assistance for undertaking

Protected Farming of various high qualities commercial
horticulture crops viz. Flowers, Vegetables, Fruits, Medicinal
Plants, Spices etc.

Activity: Construction/erection of Green Houses, Poly

Houses, Shade Nets etc., purchase and installation of
necessary components and working capital.
To help indebted farmers to redeem their outstanding dues
of Money lenders, Pawn Brokers, Fertilizer and farm input
Dealers, Middleman etc.

To provide loan to purchase, develop and cultivate

agricultural as well as fallow and waste land

To Set up Agri Clinic or Agri Business Centers

To augment flow of credit to farmers, especially small,
marginal, tenant farmers, oral lessees, share croppers and
individuals taking up farm activities.

To finance against pledge of Warehouse / Cold Storage

Receipts .

The scheme is aimed to provide finance to Individuals,

groups of individuals, SHGs, JLGs, NGO, Farmers Clubs,
Proprietorship, Partnership, LLP, FPO, Co-operative
societies who are engaged in Agriculture and / or Ancillary
activities for installation of Solar Lights/ Solar Pump Sets/
Solar Water Heaters
To provide direct benefit of lower rate of interest to the
eligible Self-Help Groups (SHG’s)/individual beneficiaries
who have availed loans through Public Sector Banks and
other financial Institutes

Creation and modernization of capture and culture fisheries

infrastructure, Creation of Marine Aquaculture Infrastructure,
Creation of modernization of Inland Fisheries Infrastructure

To provide finance for Creation of Marketing Infrastructure

with latest technologies, facilities for grading, standardization
and quality certification of agricultural produce and Creation
of scientific storage capacity for effectively managing
marketable surplus of agriculture and allied sectors.
The scheme is aimed to finance Term Loan and Working
Capital requirements of Cold Storage / Warehouse

The scheme is aimed to provide the finance for setting up

New Compressed Bio Gas Plants and up gradation of
Existing Bio Gas Plants

Fish rearing/ catching, establishment of fish farms, purchase

of sea fishing vessels,
Transportation and Post harvest management,
establishment/ construction of fish marketing infrastructure
and fisheries extension and support services- fish
diagnostic/ testing labs, clinics etc.
The scheme is aimed to provide finance to Edible Oil
Mills/Oil Extraction units.

To finance for establishment and running of Mushroom

cultivation and spawn production units.

The scheme is aimed to provide the finance to women SHG

members to evolve as an entrepreneur.
To finance for establishment and running of Poultry Farms/
Units

The provide loan/ limit to identified manual

scavengers/sanitation workers for their rehabilitation
Eligibility (General)

All Farmers - Individuals / Joint borrowers who are owner

cultivators, tenant farmers, oral lessees, share croppers and Self
Help Groups or Joint Liability Groups of Farmers, Farmers
Producer organizations/ Farmers producer Companies

Individuals/farmers of 18 years and above/proprietorship firms

having KYC complied accounts with our Bank.
& Farmers owning gold

Ideal size of SHGs is 10-20 members and only one member from
a family.

SHG is properly maintaining their accounts.

Farmers, Joint Liability Groups (JLGs), Farmers Producers

Organizations (FPOs), Primary Agicultural Credit Societies
(PACS), Marketing Cooperative Societies, Multipurpose
cooperative Societies. Self Help Groups (SHGs), Agri
entrepreneurs, startups and Central /State agency or Local Body
sponsored Public Private Partnership Projects.
 Individual / Firm/LLP/Cooperative Society/FPO/Companies
engaged in agro related activity

Individual Micro Enterprises, Farmer Producer Organization

(FPOs) /Producers Cooperatives and SHGs

Farmers/Group of farmers/firms/Companies engaged in farming

and /or in allied and ancillary activities

Individual entrepreneurs, private companies, MSME, Farmer

Producer Organizations and Section 8 companies

Individuals, Partnership firms, companies, FSS, PACs engaged

in agriculture and / or allied activities
Farmer Producer Organizations (FPOs)/Farmer producer
Companies (FPCs)

Individual farmers/Joint borrowers who are existing Kisan Credit

Card holders of the bank.

Individuals, farmers, groups of farmers, firms, companies,

societies, NGOs etc.

Farmers, Groups of farmers, SHGs, JLGs, Corporates including

farmers’ Producer companies of individual farmer, Partnership
firms and Cooperatives of farmers directly engaged in Agricultural
and allied activities.
Farmers who are indebted to Non-institutional lenders

Small and marginal farmers, share croppers / tenant farmers and

Entrepreneurs with agricultural background.

Qualified/Trained Individuals and Group of Individuals.

Joint Liability Groups of Small and Marginal Farmers, Tenant
Farmers, Oral Lessees, Share Croppers and Individuals taking
up farm activities.

As per the Cent Warehouse Receipt Scheme.

Applicant must have sufficient income to serve the instalment

and interest
SHGs registered with NRLM/NULM OR NABARD having all
members belonging to either SC (100%) or OBC (100%) and
individual SC or OBC borrowers having annual family income
less than Rs3.00 Lakh

State Govt./ Union Territories, State owned corporations/ State

Govt. undertakings/ Govt. sponsored supported organisations

Individuals, group of farmers/ growers, Registered Farmer

Producer Organizations, Proprietary, Partnerships, Companies,
Corporations, NGOs, SHGs, Co-operatives, etc. Activities which
are in the nature of either storage or other marketing
infrastructure up to primary processing only to be covered.
Profit making existing units, New units

Sole Proprietorship/ Partnership/ Limited Liability Partnership/

Companies/ Cooperative Societies and Other Constitution of
Borrowers permissible by Ministry of Petroleum and Natural Gas.

Individual(s) Fishers, Fish Farmers, Fish workers, SHGs/ JLGs in

fisheries sector
Profit making existing units, New units, Risk hurdle rate for
new/enhancement/takeover as per Loan Policy

Individuals, SHG, Proprietorship Firms, LLPs, Partnership Firms,

Pvt/Public ltd co.

Individual women SHG members (under DAY NRLM) of matured

well performing SHGs (Standard)

A SHG member (under DAY NRLM) in Rural areas who has

completed a minimum two years in a SHG (Standard) and should
run a viable economic enterprise.

Beneficiaries shall be identified & sourced by NRLM/SRLM

For Govt. Sponsored scheme: Small & Marginal farmers,
landless labourers or other persons who are un-employed/ under
employed and want to venture in poultry farming for income
generation.
For Commercial activity: The borrower should be well
experienced in running poultry unit and should be Engaged/
desirous of engaging himself in such an activity on commercial
basis as his main vocation.

Manual Scavengers/Sanitation Workers/ Waste pickers and their

dependents i.e. spouse or children/ Persons engaged in cleaning
of sewers and septic tanks
Nature of Facility Limit (Contact Bank)

Cash Credit limit will be

Short-term revolving credit sanctioned for 5 years

Min. Rs 10,000/-

Max Rs.40 Lakh (Under

Agri Segment 20 Lakh)
Demand Loan, Term Loan,
Over Draft, CC, CKCC Overall limit under RAM
segment capped at Rs.40

Cash Credit/ Term Loan.

NA

Term loan NA
Term Loan /OD/BG/LC
NA

* Term Loan/CC/OD
NA

Term loan NA

Term loan NA

Term loan NA
Term Loan/Cash Credit/OD
Book Debts against
receivables
Non Fund Based (NFB) Limits-
Bank Gaurantee(BG)
NA

Term Loan repayable within 5

years. NA

NA NA
Term loan NA

Purchase of Land :
Maximum of Rs10.00
lakhs.
Estate Purchase :
Term loan Maximum Rs. 200.00 lakh

Term loan NA
 For individual member of
the group – Maximum
Rs1.00 lakh.

For JLG as a group –

Based on the available
cultivable area of each
member of the JLG and
the activity undertaken,
maximum Rs5.00 lakh
per group.
CC

Cash Credit / Demand Loan . NA

Term Loan
NA
Term Loan/Cash Credit NA

Term Loan/ CC/ OD/ NFB

limits- Bank Guarantee NA

Term Loan
NA
Term Loan/Over Draft against
Book Debts
NA

Term Loan/CC/ODBD/ BG/LC NA

Term Loan/ CKCC/ CC/ OD

NA
Working Capital/TL/Packing
credit/Non Fund Based Limit
LC and LG
NA

Term Loan/Cash Credit

NA

Term Loan
NA
Term Loan/Cash Credit
NA

Term Loan/Cash Credit

NA
Quantam loan Margin (Contact Bank)

Nil as it is inbuilt in the

scale of finance.
NA

Max Rs.40 Lakh (Under Agri

Segment 20 Lakh)

Overall limit under RAM 18% to 40% as per

segment capped at Rs.40 Lakh product code

Quantum of limit minimum limit Upto Rs. 10.00 Lakh: NIL

Rs. 6.00 Lakh (fixing of overall
limit for 5 years) with maximum Above Rs. 10.00 Lakh to
of Rs 20.00 lakh per group. Rs. 20.00 Lakh : 10%

*10% of project cost

NA
Minimum Rs 2.00 Lakhs OD/Peak level OD-20%,
TL/Open TL-25%, BG/LC-
Maximum Rs 1000.00 Lakhs 20%

Maximum Rs. 2.00 Crore Minimum 10%

Farmers: Rs 2.00 Lakhs To Rs

15.00 Lakhs
Two Wheelers : 10%
Others engaged in Agri allied
/ancillary activities: Rs 2.00 Four Wheelers/Transport
Lakhs to Rs 25.00 Lakhs vehicles:15%

Micro and small

enterprise-10%

Medium enterprise-15%

Others-25%
NA

Upto 1 lakh-NIL

NA * Above 1 Lakh- 20%

 Term Loan/CC/BGs-
Minimum Rs. 10.00 Lakh and 25%
Maximum Rs. 500.00 Lakh OD Book Debts- 40

50% of CKCC limit or 25% of

annual income (minimum
Rs.1,000/- and maximum NA
Rs.50,000/-.)
For loans up to Rs1lakh :
Nil
For loans above Rs1lakh
and up to Rs 5 lakh :
10%
Unit cost excluding Margin For loans above Rs 5
Money. lakh and uptoRs10 lakh :
Based on viability of the project 15%
and repaying capacity of the For loans above Rs10
borrower(s). lakh : 20%

Up to 80% of the project cost,

maximum Rs5.00 crore.

For SHGs and JLGs the Up to Rs 1 lakh : Nil

maximum loan will be Rs20 Above Rs1lakh :
lakh and Rs5.00 lakh Minimum 20% of the
respectively. Project cost.
 NA
Maximum of Rs 1.00 Lakh

Purchase of land: 20% .

NA *Estate Purchase :50%

Upto Rs. 5 Lakh –Nil,

Above Rs. 5 Lakh to 10

Lakh- 10%,

Above Rs. 10 Lakh to

For individual: Maximum of Rs Rs. 20 Lakh – 15%,
20.00 Lakhs
Above Rs. 20 Lakh –
For group project: Maximum of 20% of the project cost.
Rs 100.00 lakhs
 On loans uptoRs1 Lakh :
Nil

On loans above Rs1

Lakh : 10%
NA

35% on value of
Warehouse Receipt/
Market price or 20% of
Maximum Rs 75.00 Lakh value as per MSP

For loans up to Rs 1.60

Solar lights / Water heaters : Up Lakh : NIL
to Rs 5.00 Lakh
Solar Pump Sets : Up to Rs For loans above Rs 1.60
10.00 Lakh Lakh : 15
For SHGs- Max Rs4.00 Lakh

For Individuals- Max Rs2.00

Lakh NIL

There is no cap on upper limit Minimum 20%

Minimum 50% and Maximum Minimum 20% and

80% of the project cost, Maximum 50% of the
including subsidy. project cost.
 OD Limit for on advance
payment to farmers :
25%

OD Limit against rent

receivable (Max 12
Min Rs 10.00 Lakh months) : 40%

Max Rs 50.00 Cr Term Loan : 25%

Minimum 25%
NA

Up to Rs 1.60 Lakh :
NIL

Above Rs 1.60 Lakh to

Rs 3.00 Lakh : 10%

Above Rs 3.00 Lakh :

Maximum RS 25.00 Crore 20%
 Fund Based : 20%

Non Fund Based : 10%

to 20% (As per value of
collateral security
Maximum RS 100.00 Crore coverage)

Min Rs. 5.00 Lakh to Max Rs

1.00 Crore Minimum – 25%

Minimum Rs 1.00 Lakh Up to Rs 1.60 Lakh: NIL

Maximum Rs 5.00 Lakh Above Rs 1.60 Lakh:

10%
 Upto Rs. 5.00 Lakh –
20% of project cost
Above Rs. 5.00 Lakh –
25% of project cost
NA

Individual : Rs 15.00 Lakhs

SHGs/Groups : Rs 50.00 Lakhs

NIL
Repayment

NA
3 months-36 months
(Retail/MSME)

3 months-60 months
(Agriculture)

In case of 3 months/6

NA

* 7 years (including
maximum moratorium 2
yrs).
Term Loan –Max 108
months (Moratorium Max
12 Months)

OD/BG/LC: Annual renewal

* CC/OD- To be renewed
every year.

* Term Loan- Max 6 years

(including max moratorium
of 6 months)

5 TO 7 Years

8 years (including
moratorium of max 2yrs).

Within 5 to 9
years(including moratorium
period of Max 12 months)
CC/OD- To be renewed
every year.

T/L- Max 10 yrs (including

moratorium of 6 months in
case of purchase of
machineries).

Within 5 years in half yearly

/ yearly instalments.

Repayment period will

depend on the cash flow
and will vary between 3-7
years

Maximum 7 years including

moratorium of 3 to 12
months.
5 years

Within 7 to 10 years
Estate Purchase 7 to 9 year

5 to 7 years
Depending upon duration
of crop and realization of
sale proceeds.

Within 12 months or due

date of Warehouse
Receipt, whichever is
earlier .

Maximum within 7 years in

Equal Monthly/
Quarterly/Half Yearly/
Yearly instalments
Cash Credit-Limit is for 5
years to be renewed every
year

Term Loan- Max 5 years

(including moratorium of
max 3 months).

CC/OD to be renewed
every year. T/L maximum
loan period is 12 years
including maximum
moratorium of 2 years,
repayable in monthly / Half
yearly / Yearly instalments
based on harvesting and
marketing of Crops.

5-7 years, depending upon

the cash flow, including a
moratorium period of one
year.
Working Capital : Max 12
months- Annual Renewal

Term Loan : Door to

Door tenure Max 10 years

Working Capital –
Maximum period of 12
Months – Annual Renewal
Term Loan – Maximum 12
Years including moratorium
of 6 months to 2 years
repayable in Monthly/
Quarterly instalments.

5 to 10 years
Working Capital : Maximum
period of 12 Months –
Annual Renewal

Term Loan : Door to Door

tenure 7 years. (including
moratorium period of
Maximum up to 12 months)

Term loan – 3 yrs to 7 yrs

Cash credit – 1 yr subject
to annual review.

Maximum Repayment
Period of 60 months
including Moratorium
Short term loan for layers –
in 18 months

Short term loan for broilers

– in 12 months

Up to Rs 5.00 Lakh : 60
months

Above Rs 5.00 Lakh : 84

months
Security (Contact Bank)

*Primary -
- Hypothecation of crops/dairy animals/fisheries/poultry birds/other small
ruminants and other assets created out of bank's finance.
* Collateral -
- No collateral for limit upto Rs 2 Lakh.(In tie ups-up to Rs.3.00 Lakh- No
security required)
- For limits above Rs 2.00 Lakh, collateral security is required.

Pledge of gold ornaments or Gold Coins sold by Banks (Max. 50 grams

per person)

Group guarantee

* Primary-Hypothecation of assets created out of bank's finance.

* Collateral
- No collateral for limit uptoRs2.00Crore since advance will be covered
under CGTMSE.
- For limits above Rs2.00Crore -Total value of collateral security should be
at least 125% of the amount financed by Bank
Hypothecation of stock/receivables/Plant and Machinery

Collateral Security : Minimum 100% of loan amount

* Primary-Hypothecation of stock/Book Debts/Plant & Machineries.

* Collateral – NIL (advance to be covered under Credit Guarantee Fund
Trust for Micro and Small Enterprises (CGTMSE

Hypothecation of vehicle
Collateral Security:
Up To Rs 2.00 Lakhs: NIL
Above Rs 2.00 Lakhs to Rs 10.00 Lakhs: Third Party Guarantee
Above Rs 10.00 Lakhs : 50 % of loan + Third Party Guarantee

NA

Machinery
NA

Charge on the existing securities obtained for CKCC.

Primary : Hypothecation of Livestock and other assets Created out of

Bank finance.

Collateral: (Aggregating all Agricultural loans) For Loans up to 2 Lac: - Nil

For Loans above 2 Lac: - Creation of Mortgage/Charge on land having

Market value at least to the extent of 100% of loan amount.

NA
Tangible security if any, pledge with the moneylenders
Hypothecation of Crops.
Mortgage of land.

Primary :
- Charge on land purchased out of bank finance.
- Hypothecation of crops raised on the land/estate
Collateral :
-No collateral uptoRs.2.00 Lakh
- Charge on other land presently owned/ Resi Property in case of Estate
purchase, if any. ( value of Security should not less than 200% of loan

Primary Security :
Hypothecation of assets created out of Bank Finance.
Collateral Security :
UptoRs5.00 Lakh- NIL

Above Rs5.00 Lakh-Creation of Mortgage or Charge on Agriculture Land

Charges on crops/ assets created out of bank finance/ pledge of
warehouse receipts, depending upon the purpose of the loan.
Primary -
Pledge of Warehouse Receipt.

Collateral -
- No collateral against Warehouse Receipts issued by Central / State
Warehousing Corporations and by other collateral managers having tie-up
arrangements with the bank.
- In other cases :
Third party guarantee of two persons

Primary : Hypothecation Assets created out of bank finance.

Collateral : All Loans (existing & proposed loan) under Agriculture put
together

Limit up to Rs 2.00 Lakh : NIL

Limit above Rs 2.00 Lakh: Charge on farm land or other collaterals
mortgageable property/ Time deposit/ LIC policy/KVP/NSC, which is
minimum 50% of the loan amount.
Primary Security - Hypothecation of Assets created out of Bank Finance .

Collateral - NIL

Primary Security :Hypothecation of Stock / Book Debts / Hypothecation

of plant & machineries (in case of loan of machineries)

Collateral Security : No collateral securities are required up to Rs 5.00 Cr

if the activity is eligible under Micro and Small enterprises as per defined
MSME ceilings, since the advance will be covered under Credit Guarantee
Fund Trust for Micro and Small Enterprises (CGTMSE).

Advances above Rs 5.00 Crore and Advances not covered under

CGTMSE 150% of limit, collateral securities is required.

EM/ Charge on the land of the Project and other assets financed by the
bank.
Assignment of receivables/Book Debts i.e. advance to farmers/rent
receivables, Hypothecation of Plant & Machinery financed by the Bank,
Equitable Mortgage on Cold Storage.

Minimum 50% Collaterals to be obtained where forward and backward

linkage are in place and in other cases 100% collaterals are to be
obtained.

Collateral : Up to Rs 2.00 Lakh : NIL

Above Rs 2.00 Lakh up to Rs 2.00 Cr-

Loan up to Rs 10.00 Lakh : No collateral security, to be covered under

NCGTC Guarantee

Above Rs 10.00 Lakh up to Rs 5.00 Cr : No collateral if the activity eligible

under Micro and Small enterprises CGTMSE coverage to be taken

Above Rs 5.00 Cr : Mortgage of immovable property with realizable value

minimum 100% sanctioned limit (FB+NFB)
Primary Security : Hypothecation of stocks and receivables and all assets
created out on Bank’s fund.

Collateral Security :

Up to Rs 5.00 Crore : If advance cover under CGTMSE no collateral is

required.

Above Rs 5.00 Crore : Collateral Security by way of Equitable mortgage of

SARFAESI compliant immovable property with realizable value minimum
50% of the limit sanctioned (FB + NFB).

Primary Security: Hypothecation of assets created out of Bank Finance

Collateral Security : As per Scheme

Primary : Hypothecation of assets created out of Bank finance.

Collateral : NIL (To be covered under CGTMSE guarantee.

Primary Security: Hypothecation of assets created out of Bank Finance
Collateral Security : Upto Rs. 2 Lakh – NIL
Upto Rs. 10.00 Lakh – No collateral, to be covered under NCGTC Guaran
*Above Rs. 10.00 Lakh – As per circular

Primary : Asset created out of Bank finance

Collateral : No collateral (loans will be covered under relevant guarantee

scheme)
Rate of Interest (Contact Bank)

7% p.a. advances covered under Interest Subvention scheme and

advances not covered under Interest Subvention scheme is as follows:
Up to 3 Lakhs: MCLR+1.35
Above 3 Lakhs upt o 10 Lakhs: MCLR + 2.50
Above 10 Lakhs up to 100 Lakhs: MCLR + 3.00

As per Loan Tenure and Credit facility

Above Rs 3.00 Lakh to Rs 5.00 Lakh-MCLR

Above Rs 5.00 lakh up to Rs 10.00 lakh-MCLR + 1.25%
Above Rs 10.00 Lakh and up to Rs 20.00 Lakh-MCLR + 1%

Upto 2.00 Crore: 6 Months MCLR + 1%

Interest Subvention: 3% per annum upto a limit of Rs.2 Crore for

maximum period of 7 years
Up to Rs 100.00 Lakhs: It will be as per prevailing rate of the scheme
Above Rs 100.00 Lakhs : As per credit rating

Upto Rs. 10.00 Lakhs – RBLR+1.25%

Above Rs. 10.00 Lakhs upto Rs. 1.00 Cr – RBLR+1%

Above Rs. 1.00 Cr to Rs. 2.00 Cr – RBLR+0.50%

A) *(1.) Farmers (Two wheeler and Four wheeler) : MCLR + 0.15%

*(2.) Others Transport Vehicle : MCLR + 0.50%

B) *(1.) Agri Business, Service Centers and Allied Activities (Two

wheeler and Four wheeler) : MCLR + 0.15%
*(2.) Others Transport Vehicle :
Up to Rs 10.00 Lakh : MCLR + 0.50%
Above Rs 10.00 Lakh to Rs 25.00 Lakhs : MCLR + 1.05%

For the borrowers whose project cost are falling within MSME defined
ceilings-RBLR+2%

For Others- As per rating of accounts

As applicable to Agri Farm Credit

Rs. 10.00 Lakh to Rs. 100.00 LakhAbove Rs. 100.00 Lakh: MCLR +
0.50% As per risk rating of the borrower

NA

*As per prevailing rate

Processing Charges:
Up to Rs 3 Lakh/- : NIL
*Above Rs 3 Lakh/- : @ 0.30%

As applicable to agricultural advance

As applicable for Agriculture farm credit

UptoRs3,00,000/ : MCLR + 1.35%

Above Rs3.00 lakh to Rs10.00 lakh: MCLR + 2.50%
Above 10.00 lakh to 100.00 lakh :MCLR +3.00

As per prevailing rate of interest

As per prevailing rate of interest

As per prevailing rate of interest

Up to Rs 3.00 Lakh: MCLR + 1.00%

Above Rs 3.00 Lakh: MCLR + 1.50%

Upto Rs 3.00 Lakh - MCLR + 1.35%

Above Rs 3.00 lakh to Rs 4.00 lakh: MCLR + 2.50%

Up to Rs 3.00 Lakh : MCLR + 1.35%

Above Rs 3.00 Lakh to Rs 10.00 Lakh : MCLR + 2.50%

Above Rs 10.00 Lakh up to Rs 100.00 Lakh : MCLR + 3.00%

Above Rs 100.00 Lakh : As per credit rating of the borrower

Up to Rs 2.00 Crore : 6 months MCLR + 1%

Above Rs 2.00 Crore : As per credit rating of borrower

Rs 10.00 Lakh: MCLR + 0.50%

Above Rs 10.00 Lakh up to RS 100.00 Lakh: MCLR + 1.00%

Above Rs 100.00 Lakh : As per risk rating

Upto Rs 100.00/- Lakh -MCLR + 1.35%

Above Rs100.00 Lakhs: As per credit rating of the borrower

Up to Rs 3.00 Lakh : MCLR + 1.35%

Above Rs 3.00 Lakh to Rs 10.00 Lakh : MCLR + 2.10%

Above Rs 10.00 Lakh up to Rs 1.00 Cr : MCLR + 2.60%

Above Rs 1.00 Cr RoI as per credit rating and realizable value of

collateral security
Up to Rs 3 Lakhs : MCLR

Above Rs 3 Lakhs up to Rs 10 Lakh: MCLR + 0.50%

Above Rs 10 Lakh up to Rs 100 Lakh: MCLR + 1.00%

Above Rs 5.00 Lakhs upto Rs 10.00 Lakh: MCLR (12M) + 1.15%

Above Rs 10.00 Lakh upto Rs 100.00 Lakh: MCLR (12M) + 1.25%

For Agriculture: MCLR (12M) + 2.00%

For Other Schemes: RBLR + 1.45%

Upto Rs 3.00/- Lakh -MCLR (12M) + 1%

Above Rs 3.00 Lakhs upto Rs 10.00 Lakh: MCLR (12M) + 1.15%

Above Rs 10.00 Lakh upto Rs 100.00 Lakh: MCLR (12M) + 1.25%

MCLR

*For projects up to Rs 1.00 Lakh : Men - 5% p.a. and Women - 4% p.a.

*For projects above Rs 1.00 Lakh : 6% p.a.

(*Interest subsidy- difference of Interest charged and chargeable as per

scheme will be paid by NSFDC /SCAs)