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1. Dhanam Kissan Vahana
Purpose: For acquisition of Two-wheelers by farmers
- Increase their mobility and save time and reduce cost of traveling
- Would help farmers in arranging Agricultural inputs in time
- Reduce wastage of perishable produce by enabling transportation
- Facilitate market sales rather than farm gate sale thereby fetching better price for the produce.
- Facilitate better supervision of agricultural operation
Eligibility:
(1). Applicant should be owner cultivator of minimum 1 acre of land (Or)
(2). Should have a Dairy unit with minimum of 10 cows / Buffaloes (Or)
(3). The net income from Agriculture and other sources, of the family should be above Rs.50000/- provided the Spouse/another member of the family is a permanent employee of a reputed company/ firm / Govt service /Educational institution and should be co-obligant to the loan.
Loan Amount: Minimum Amount : Rs.20000 and Maximum Amount: Rs.40000
2. Dhanam Kissan Card
Purpose: To facilitate adequate and timely credit for the comprehensive credit requirements of farmers under single window adopting whole farm approach, including the short-term credit needs and for their contingent credit needs.
Eligibility: The credit facility extended under the scheme will be in the nature of term loan and revolving cash credit for agriculture and allied activities.
The criteria for selecting persons for issuing Dhanam Kissan Cards are as follows:
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Individual farmers who are owner cultivators and farmers cultivating authorized leased lands whose credit requirement is Rs.5000 and above and having good track record for the last two years
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The party should not be a defaulter in any financial institutions
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The borrower should come within the Service Area Norms, subject to relaxations therein.
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Dhanam Kissan Card is not issued to parties dealing in Selective Credit Control commodities, minors, POA holders and defaulters
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Loan for any activity coming under purview of production credit of agriculture, working capital requirements of allied activities may be considered under the scheme ensuring repayment capacity of farmers
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New borrowers will be considered strictly on merits at the discretion of the Branch Manager.
Issue of Cards:
The beneficiary under this scheme will be issued with a credit card cum pass book, specially designed for the purpose, incorporating the name, address, particulars of land holding, borrowing limit, validity period etc which will serve both as an identity card as well as facilitate recording of the transactions on an ongoing basis. The card, among others, would provide for a passport size photograph of the holder. The borrower would be required to produce the card cum passbook whenever he operates the account.
Loan Amount: Minimum credit limit is Rs.5000 and No ceiling on maximum amount
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