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Customer Segment

Any person engaged in any agriculture or allied activities as well as persons engaged in activities permitted by RBI to be classified under agriculture.

An Individual person resident of India.

Purpose

To meet the short-term production / investment credit for:

Crop Production

Land based activity other than crop cultivation

Irrigation

Allied agriculture activity
- Dairy
- Other Allied

Repayment of loan taken from non-institutional lenders

For Personal need/use – Non-agricultural purpose.

Eligibility

Existing Customer of Bank

NTB customer (who are new to Bank)

Type Of Credit

Demand Loan - Bullet payment (one-time payment)

EMI based repayment

Loan Amount

For Agriculture purpose - Min. Rs.10000/- and Max. Rs.2.00 lakh

For Retail Purpose - Min.Rs.25000/- and Max. Rs.25.00 lakh per borrower

Disbursement

Amount will be disbursed digitally in account of the customer

Security

Pledge of Gold Jewellery/ ornaments.

Processing Fee and charges

For Agriculture purpose –
- Upto 50,000 - NIL.
- Above 50, 000- Rs.500/- +GST

For Retail Purpose - 0.30 % of Loan Amount,max Rs 500+ GST

ROI

For Agriculture purpose - MCLR (one year)

For Retail Purpose - RLLR+BSP

Documentation fees

NIL

Valuation Charges

Rs.3/-+ GST per Thousand, maximum Rs. 500/-+ GST

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