Académique Documents
Professionnel Documents
Culture Documents
Quick Success
Series
Agriculture Advances
Champak Das
Chief Manager Training, SBLC Deoghar
Mobile-9431866154
Email- champak.das@sbi.co.in
Updated as on
Page 2
SECURITY NORMS:
Crop Loans (ACC / KCC)
a) Up to Rs.1 lac: Primary: Hypothecation of
standing crops. Collateral Nil.
b) Above Rs 1 lac: Primary: Hypothecation of
standing crops. Collateral : Mortgage/Charge over
land. (In case of genuine difficulties in creation of
mortgage/charge over land, any other
Page 3
Page 4
Page 5
Page 6
Page 7
ARTHIAS PLUS
OBJECTIVES: To finance commission agents
against their receivables from farmers.
Eligibility
(under
Agriculture
segment):
Commission agents enjoying good reputation and
holding a valid license from the market yard/
board and are in the line of business for the past 3
years, having receivables from farmers only,
functioning in rural and semi urban
markets/mandis.
Facility: Cash credit (Hypothecation of book debts
not older than 6 months)
Classification: Priority sector Agricultural
segment indirect Agri Finance.
Limit: Max. Rs. 50 Lacs
Margin: 40%
Security: Primary: Hypothecation of receivables &
movable assets (if any).
Collateral: Equitable Mortgage of Resi / Comm.
Property (Non-Agri) with worth 1.5 times of the
advance (Upto Rs. 25 lacs ); 2 times of the
advance value (Above Rs 25 lacs and upto Rs. 50
lacs).
Interest: (a). Upto Rs. 10 lacs : SBAR (b) Above Rs
10 lacs and upto Rs. 25 lacs : 0.25 % above SBAR.
Above Rs. 25 lacs and upto Rs. 50 lacs: As per CRA
Model.
Repayment: Maximum Six months. Loan should
be liquidated at the end of cropping season with
reasonable time for marketing.
# Loans to commission Agents financed by our
Urban & Metro branches: Loans upto Rs. 10 lakhs
SBF Segment. Loans above Rs 10 lakhs C & I
Segment.
Page 8
JOINT LIABILITY
FARMERS (JLG)
GROUPS
OF
TENANT
TRACTOR
LOAN
SCHEME
Security:
a. Loan limit Upto Rs.1,00,000
Primary: Hypothecation of Tractor,
accessories and Implements purchased
out of Bank finance.
Collateral: NIL
b. Loan limit Above Rs.1,00,000
Primary: Hypothecation of Tractor,
accessories and Implements purchased
out of Bank finance.
Collateral: Registered/equated mortgage
of land for Value not less than100% of the
loan amount or third party guarantee,
good for the amount involved.
If there are genuine difficulties in the
creation of mortgage/charge on lands
wherever required, branch may take Third
Party
Guarantee
after
obtaining
permission
from
the
Controlling
Authority.
Repayment:
In order to have a standardized approach for
regular repayment every month and to maintain
connectivity with the customer, the total scores
awarded under parameters Hiring Potential plus
% age of income from Allied Activities in Tractor
Scoring Model will be adopted to determine the
repayment schedule of the Tractor Loan.
Combined
Marks scored
Under (Hiring
Potential + %
age of income
From
allied
activities)
Loan Repayment
11- 14
6-10
5 and below
Page 9
Page
10
Page
11
Page
12
Margin: 25%
Maximum Loan: Rs.9.00 lacs per farmer.
DSCR: 1.40
ROI: As applicable to ATL.
Type of Advance: Agricultural Term Loan.
Security: Primary: Hypothecation of assets.
Collateral: Mortgage of land on which the poultry
shed and other infrastructure are available or are
proposed to be constructed to cover at least 50%
of the value of the advance.
Repayment: Max 5 years, inclusive of a grace
period of 6 months, with installments at
bimonthly intervals.
Other terms: Copy of Bi-partite agreement
between the farmer and the hatchery as per the
banks specimen, Letter of undertaking to the
Bank by the broiler integrator. WC not needed as
it is met by hatcheries.
SCHEME FOR FINANCING MICRO FINANCE
INSTITUTIONS (MFIs) / NON GOVERNMENT
ORGANISATIONS (NGOs) (ecir-1283 dt. 26/03/2013)
To enable the Bank to lend to MFIs/NGOs for on
lending to SHGs /JLGs/ Individuals and to increase
the outreach by financing large number of SHGs in
cost effective manner, supplementing the efforts
of the branches in financing SHGs.
Eligibility: NGOs/ MFIs should any one Regd
Society/ Regd Trust/ Regd Company/ Non Banking
F Is or any Institution engaged in micro-finance.
NGO/ MFI having minimum partnership of
SHG/JLG 50 and individuals - 500. In cluster
financing min membership of Federation should
be 30 SHGs. Existing for last 12 months and
running micro credit programme for last 6
months, continuous profit making, maintains a
satisfactory & transparent accounting, MIS and
Internal Audit System, not be defaulter, having
risk portfolio less than 5% etc.
Rating: Loan below Rs 25 lacs Specific Scoring
model min 60 marks.
For loan of Rs.25 lacs and above - CRA rating is
compulsory as applicable to NBFC model and
guidance note on banking exposure to be
followed i.e, SB 5 and above for new connections
and SB 7 for enhancement. Rating from external
rating agency
Facility: MTL or CC. Margin: Nil.
TOL/TNW: Maximum permissible TOL/TNW to be
5 and additionally Debt /Equity is capped at 5:1.
Page
13
Page
14
Marketing
Infrastructure,
Grading
and
Standardization (AMIGS) is being implemented
since 20.10.2004. It has now been decided that
the existing two schemes be subsumed with
effect from 01.04.2014. In respect of all the
projects sanctioned under the previous guidelines
(sanctioned till 31.03.2014), claims of Subsidy ha
to be submitted to the concerned Regional Office
of NABARD, as per the then prevailing guidelines
of the Schemes viz Gramin Bhandaran Yojana and
AMIGS.
Objectives of the scheme:
i. To develop agricultural marketing infrastructure
including horticulture, dairy, poultry, fishery,
livestock and minor forest produce.
ii. To promote innovative and latest technologies
in agricultural marketing infrastructure.
iii. To promote direct marketing.
iv. To promote creation of scientific storage
capacity for storing farm produce, processed farm
produce and agricultural inputs etc.
v. To provide infrastructure facilities for grading,
standardization and quality certification of
agricultural produce.
vi. To promote Integrated Value Chains (confined
upto primary processing stage only) to provide
vertical integration of farmers with primary
processors.
vii. Primary processing means adding value to the
produce without change in its form and may
include washing, sorting, cleaning, grading,
waxing, ripening, packaging, labeling etc.
Eligible Marketing infrastructure:
The activities eligible for financial assistance
under the Scheme are the following:
i. Creation of scientific storage capacity like
godowns, including standalone silos for storage of
food grains with necessary ancillary facilities like
loading, unloading bagging facilities etc.
(Assistance for storage infrastructure will be
available on capital cost of project including cost
of project including cost of allied facilities like
boundary wall, internal roads, internal drainage
system, weighing, grading, packing, quality
testing and certification, fire fighting equipments
etc.)
ii. Cold storages as a part of a permissible
integrated
Page
15
A) NE
States,
Sikkim, UTs
of
Andaman &
Nicobar &
Rate of
subsidy
(on capital
cost)
33.33%
Subsidy ceiling
Up to
More
1000
than
MT in
1000
Rs./MT MT
and
upto
30000
MT in
Rs./MT
1333.20 1333.20
33.33%
1166.55
1000.00
300.00
25%
875/-
750/-
225.00
Maxim
um
ceiling
(Rs.
Lakhs)
400.00
Lakshadweep
Islands,
hilly*
areas
B) In other
Areas
1. For
Registered
FPOs,
Panchayats,
Women,
SC/ ST
Beneficiari
es or their
cooperative
s**
/Self-help
groups
2. For all
other
categories
of
beneficiaries
Infrastructure projects
infrastructure:
Category
A) N E States,
Sikkim, States of
Uttarakhand,
Himachal
Pradesh, Jammu
& Kashmir, UTs
other
Rate of Subsidy
(on capital cost)
33.33%
than
storage
Maximum
Subsidy
Ceiling (Rs. in
lakhs)
500.00
of Andaman &
Nicobar and
Lakshadweep
Islands, hilly* areas
B) In Other Areas
1. For registered
FPOs, Women,
SC / ST
beneficiaries and
their cooperative
**
33.33%
500.00
25%
400.00
Page
16
Page
17
Page
18
Page
19
Page
20