• Commission agents/ arthias holding valid license from market yard/ committee and are in the line of business for last 3 years.

• Cash credit against hypothecation of book debts not older than 6 months (book debts receivable from farmers only are considered).

• Persons who are permanent residents of the village cultivating crops and residing within the areas of operation of the branch.
• Preference will be given to those farmers who organize into SHGs.

• Need based production and investment credit for agriculture and allied activities.

SCHEME FOR FINANCING JOINT LIABILITY GROUPS (JLGs) OF TENANT FARMERS

• To augment flow of credit to tenant farmers, share croppers/ small farmers who do not have proper title deeds; through formation and financing of JLGs.

• Members of JLGs individually or jointly.

SCHEME FOR TAKE OVER OF LOANS OF FARMERS INDEBTED TO NON-INSTITUTIONAL LENDERS

• To provide credit assistance to the farmers facing acute distress due to heavy burden of debt from non-institutional lenders.             

• Existing borrowers of the bank, who are regular in repayment of loan with interest in the past except for the circumstances beyond their control.
• Non-borrower farmers cultivating own lands and hailing from service area of the branch.
  
• Tenant farmers provided they are members of SHG or Joint Liability Group.

• To meet term loan and working capital credit needs of existing/ new borrowers belonging to small business units,
• Retail trade, artisans, village industries, SSI units, professionals and self employed persons.

• Maximum Rs.10 lakh.