e-Manual on

AGRICULTURAL FINANCEAGRICULTURAL FINANCE (Updated up to 20th JUNE 2019)

Prepared by :

Shri. N.G. MasareManager(Faculty)

9822606389State Bank Institute of Learning & Development

AURANGABAD

for Updates, Please visit our website https://sbildaur.statebanktimes.in:8443

Page No. 1 of 90

-: Index :-

Sr. No. Topic Page

No.1 Preface 6

Agri Finance Guidelines by SBIRD 22

Production Credit

KCC - Revised KCC 113 KU-DO -Krishak Unnati Overdraft 154 PML - Produce Marketing Loan 175 AGL - Agri. Gold Loan 206 ABAL- Asset Backed Agri. Loan 247

Farm MechanisationTTL - Tatkal Tractor Loan 27

8 MTNL- Modified New Tractor Loan 319 SSTL - Stree Shakti Tractor Loan 3510 Horticulture Citrus Cultivation 3911

Minor IrrigationMinor Irrigation 48

12 Model MI project 4913 MI General Guidelines 5114

DairyDairy Farming 56

15 Model Dairy Project NABARD 5816 SBI Dairy Sty Plus ## 6217

PoultryPoultry Farming 64

18 Layers Farming 6519 Brioler Plus Tie-up ## 7020

Mudra Schemes

PMMY – Allied Agri. 7421 Mudra Dairy Loan 7622 Mudra Poultr y 7823 Mudra Goat Rearing 8024 Mudra Sheep Rearing 8225 Mudra Pig Rearing 8426 Mudra Fisher y 8627 Mudra Bee Keeping 88282930

List of Active Agri. Products & Product Codes in LOS-AGRI.List of Active Agri. Products & Product Codes in LOS-AGRI.

Page No. 2 of 90

AGRI. FINANCE -Important Circulars

Sr. No. TOPIC Issued by Circular No.

1 Int. Application on Advances RBI RBI Master Cir.No. RBI/2015-16/37 DBOD.NO.Dir.BC.9/13.03.00/ 2015-16,Dt. 01/07/2015

2 Relief Measures to Farmers affected by Natural Clamities RBI RBI MASTER Directions Cir No.RBI/FIDD/2016-17/27, dated

01/07/2016.

3 Priority Sector Lending RBI Master Direction RBI/FIDD/2016-17/33 dated 22nd Dec.2016

4 Moratorium Period SBI CPPD Cir Sl. No. 98 of 2018-19, dated 20th April 2018

5 Credit Scoring Models SBI ABU Cir 187 of 2018-19 dt 11th May 2018

6 Credit Scoring Models-MUDRA Loan SBI ABU Cir Sl No. 1330 of 2018-19, dated 1st Jan. 2019

7 Interest Subvention SBI ABU Cir Sl No. 711 of 2017 - 18 dt 26 Sep 2017

8 Online Noting of Charge SBI ABU Cir Sl No 327 of 2018 - 19 dt 27 June 2018 SOP

9 Interest Rate on AGR Adv. SBI Wef 1 st AUG. 2018

10 Dispension with NO DUES SBI ABU Cir Sl. No. 383 of 2018-19 dated 5th July 2018

11 Stamp Duty Maharashtra Stamp Duty Wef 3rd Aug. 2017

12 Relaxation of Collateral up to 1.60 Lakhs SBI ABU Cir Sl. No. 1512 of 2018-19, dated 13th Feb.2019

13 Active & Deactive Agri. Products SBI ABU Cir Sl No 358 of 2019-20 dated 20th June 2019

Page No. 3 of 90

Whats New ?? Whats New ?? after 1after 1stst April 2018 April 2018

Topic Contents ABU Circular No.

Polyhouse

Master Circular

Sl. No. 857 of 2018-19, dated 29/09/2018Solar Photo Voltaic Pumpset Sl. No. 858 of 2018-19, dated 29/09/2018

Pumpset Sl. No. 859 of 2018-19, dated 29/09/2018Power Tiller Sl. No. 860 of 2018-19, dated 29/09/2018Combine Harvester Sl. No. 861 of 2018-19, dated 29/09/2018Asset Backed Loan Sl. No. 829 of 2018-19, dated 25/09/2018Farmer Producer Co. Sl. No. 856 of 2018-19, dated 29/09/2018DAY-NRLM Sl. No. 407 of 2018-19, dated 10/07/2018

Agri. Gold Loan

Master Circular Sl. No. 734 of 2018-19, dated 05/09/2018Gold Appriaisers-Engagement Cir Sl. No. 171 of 2018-19, dated 10/05/2018

Apprisaisers Charges - Cr to CA/SB Cir Sl. No. 328 of 2018-19, dated 27/06/2018

Surprise Verification of Gold Bags Cir Sl. No 297 of 2018-19, dated 18/06/2018

A/cs in Single CIF – Max. 5 A/cs; Rs.25.00 Lakhs Limit Cir Sl. No.727 of 2018-19, dated 05/09/2018

Fraud Prevention-Controllers Visit Cir Sl. No. 908 of 2018-19, dated 06/10/2018

Mudra Products

BeekeepingMaster Circular

Sl. No. 686 of 2018-19, dated 30/08/2018Mushroom Sl. No. 687 of 2018-19, dated 30/08/2018Sericulture Sl. No. 688 of 2018-19, dated 30/08/2018Goat

Introduction of Scheme

Cir Sl. No. 377 of 2018-19, dated 05/07/2018Fishery Cir Sl. No. 376 of 2018-19, dated 05/07/2018Sheep Cir Sl. No. 375 of 2018-19, dated 05/07/2018Poultry Cir Sl. No. 374 of 2018-19, dated 05/07/2018Piggery Cir Sl. No. 394 of 2018-19, dated 05/07/2018

Credit Scoring Model Cir Sl. No. 1330 of 2018-19, dated 01/01/2019Krishak Unnati Overdraft Cir Sl. No. 173 of 2018-19, dated 02/04/2018

Revised KCC

Master Circular Sl. No. 472 of 2018-19, dated 20/07/2018Relaxation of Collateral Security Norms (1.6 Lakhs) Cir Sl. No. 1512of 2018-19, dated 13/02/2019

Online Charge Creation-SOP Cir Sl. No. 327 of 2018-19, dated 27/06/2018

SOF in LOS-Updation Cir Sl. No. 173 of 2018-19, dated 10/05/2018

Scoring Models 5 Revised Models for Agri Cir Sl. No. 187 of 2018-19, dated 11/05/2018

Page No. 4 of 90

MUDRA Cir Sl. No.1330 of 2018-19, dated 01/01/2019No Dues SOP Cir Sl. No. 683 of 2018-19, dated 29/08/2018

Dairy Sty + Dairy Sty +

Withdrawal of Schemes

Cir Sl. No. 799 of 2018-19, dated 18/09/2018

Dairy PlusDairy Plus Cir Sl. No. 798 of 2018-19, dated 18/09/2018

Farmers EasyFarmers Easy Empowered LoanEmpowered Loan (FEEL)(FEEL)

Cir Sl. No. 797 of 2018-19, dated 18/09/2018

Krishi Sakh AabjiKrishi Sakh Aabji Cir Sl. No. 796 of 2018-19, dated 18/09/2018

New Broiler PlusNew Broiler Plus Cir Sl. No. 795 of 2018-19, dated 18/09/2018

Page No. 5 of 90

TOPIC WISE - LATEST CIRCULARS

Revised KCC Master Cir Sr.No. 472/2018-19, dated 20th July 2018Krishak Unnati Overdraft KUOD ABU Cir Sr.No. 7/2018-19, dated 02 April 2018

Produce Marketing Loan PML Master Cir ABU Sl. No.1005 of 2018-19 date 20 Oct 2018

Agri. Gold Loan AGL Master Cir Sl o. 734 if 2018-19 dated 5th Sept. 2018

Tatkal Tractor Loan TTL Master Cir Sl No.751 of 2017-18 dt 03rd OCT.2017

Modified New Tractor Loan MNTL Master Cir Sl No 748 of 2017-18 dated 3rd OCT.2017

SSTL-Stree Shakti Tractor Loan Master Cir Sl. No 749 of 2017-18 dated 3rd Oct.2017

SSTL-Collateral free Master Cir Sl. No. 752, dt 3 OCT.2017

Tractor Loan Tie-UP TTL ABU Cir 648 of 2017-18, dated 13th Sept.2017 Sept. 2017

Power Tiller ABU Master Cir 860 of 2018-19, dated 29th Sept.2018

Combine Harvester ABU Master Cir Sl No. 861 of 2018-19, dated 29th Sept.2018

Dairy Society Plus ## Master Cir.- Sl. No. 148/2009-10, dated 06.06.2009

PMMY – Allied Agri. ABU Cir Sl. No. 647 of 2017-18, dated 13th Sept. 2017

Mudra Dairy Master Cir.- Sl. No. 1332/2017-18, dated 07.02.2018

Mudra Poultry ABU Cir Sl. No. 374 of 2017-18, dated 5th July 2018

Mudra Goat Rearing ABU Cir Sl. No. 377 of 2017-18, dated 5th July 2018

Mudra Sheep Rearing ABU Cir Sl. No. 375 of 2017-18, dated 5th July 2018

Mudra Pig Rearing ABU Cir Sl. No. 394 of 2017-18, dated 7th July 2018

Mudra Fishery ABU Cir Sl. No. 376 of 2017-18, dated 5th July 2018

Mudra Bee Keeping ABU Cir Sl. No. 686 of 2018-19, dated 30 Aug 2018

Mudra Sericulture ABU Master Cir Sl. No. 688 of 2018-19, dated 30th Aug. 2018 Annx

Mudra Mushroom ABU Master Cir Sl. No. 687 of 2018-19, dated 30th Aug. 2018 Annx

Brioler Plus ## ABU Cir.- Sl. No. 1269/2015-16, dated 13.01.2016

Green House ABU Cir Sl. No. 1517 of 2015-16, dated 10 th March 2016

Poly House ABU Master Cir Sl. No. 857 of 2018-19, dated 29th Sept.2018

Cold Storage ABU Master Cir Sl NO. 147of 2009-10 dated 5th June 2009

Asset Backed Agri. Loan ABAL Master Cir No.829 of 2018-19 dt 25th Sept. 2018

Farmers Producer Co.-FPC ABU Master Cir Sl No. 856 of 2018-19 dated 29th Sept 2018

Solar Pump Irrigation System ABU Master Cir 858 of 2018-19, dated 29th Sept.2018

Page No. 6 of 90

AGRICULTURAL FINANCE PREFACE

Even in the 21st century of technology, 70% of our population is dependent on Agriculture for their livelihood and employment. The Agriculture production is totally dependent on

1. Climate 2. Weather conditions3. Soil4. Irrigation Facilities5. Labour

Even after Green Revolution, there is uncertainty in agriculture production. The modern techniques of cultivation requires capital for inputs like fertilizers, pesticides, farm mechanization, Irrigation & storage facilities etc. most of the agricultural produce like vegetables, fruits are of perishable nature and being wasted due to lack of storage facilities.

The average land holding per individual is shrinking and majority of the farmers are Marginal and Small Farmers who are unable to meet the capital requirement, resulting in low productivity. These marginal and small farmers are scattered and hence do not have any bargaining power neither for purchase of inputs nor for market price of their produce.

Over the period of time, the contribution of agriculture to GDP is coming down year by year. The limitations of this agricultural field are :-

1. Lack of Assured Irrigation facilities 2. Heavy dependance on Rain Fall,3. Uncertain and uneven monsoon,4. Seasonal employment,5. Non use of modern technology,6. Lack of storage facilities,7. Lack of capital etc.

To overcome above limitations government has declared agriculture sector as priority sector and setup Agri. Universities and NABARD to ensure research and adequate fund flow to this sector. The government has also set up a lending bench mark of 18% of ANBC for Banks. From 70s Banks are extending financial assistance to this sector and played a vital role in Green Revolution and self dependance in food production.

The various activities financed can be broadly classified in to :-

I. Farm Credit a. Production Credit -

- Crop Loans to - Short /Medium/Long Term & Plantation/Horticulture Crops) - Loans to farmers against ware house receipt

b. Development Credit- Minor Irrigation -Ele. Motor/Pipe Line- Minor Irrigation -Drip Irrigation- Minor Irrigation -Solar pumps- Minor Irrigation -Dug Wells- Minor Irrigation -Tube Wells- Farm Mechanisation - Tractor Scoring Model

Page No. 7 of 90

c. Allied Activities

- Dairy Farming- Poultry - Broiler- Poultry - Egg- Sheep Rearing- Goat Rearing

d. Producer Companies

II. Agri. Infrastructure- Construction of Storage Facilities- Soil Conservation and watershed development- Tissue Culture and Agri. Bio-Technology.

III. Ancillary Activities-Agri. Clinics and Agri. business Centre-Food & Agro processing units up to Rs.100 Crores-Loans to Primary Agri. Cr. Societies (PACS).

In this manual we are going study some of the above major activities we are financing.

Home

Page No. 8 of 90

FARM CREDIT (Direct Finance)

A finance sanctioned to individual agriculturist is referred as Direct Agriculture Finance. This is provided for

• Production Credit • Development Credit• Allied Activities• Agri. Infrastructure

PRODUCTION CREDIT :

We may say this is Working Capital finance as it is sanctioned to meet the production cost or operating cost to meet the cost of Agri. inputs such as Seeds, Fertilizers, Pesticides, small value equipments, labour charges etc. which are required for raising of crops. This finance is popularly know as Crop Loans.

The cultivation of crops is mainly dependent on following factors

1. Climate / Weather conditions2. Soil Type3. Harvesting Season4. Water6. Labour

Climate / Weather and Soil Type :

Certain crops require particular type of weather and soil. For example, wheat crop requires cold weather and black soil with water holding capacity, apple requires cold weather as well hilly terrine, coconut requires damp weather and salty soil near sea shore.

Harvesting Season:

The period required for cultivation of crops (seed to seed) is referred as "Harvesting Season". Harvesting period differs for crop to crop. Some crops may be cultivated within a period of 90 to 120 days, where as some crops may require a period of 12 months also. The cultivation period broadly can be classified as below :-

Crop type Harvesting Season Examples

Short Duration 90 days to 120 days Pulses, Cerals, Cotton, Paddy, Maiz, Wheat, Jawar, Fooder Crops etc.

Long Duration 120 days to 12 Months Sugar Cane, Banana, Horticulture Crops etc.

To generate cash surplus, agricultural produce requires to marketed. The agriculturist may require some more time for fetching good marketing price and marking. Cash generation is possible only after sale of agricultural produce. The period required for generation of liquid surplus (cash to cash) is referred as "Crop Season". The crop season includes marketing period also.

Crop Season = Harvesting Season + Marketing Period.

Page No. 9 of 90

While repayment of any loan is expect only from liquid surplus generated from the activity, the crop season plays a vital role in deciding repayment of the agricultural loans as income from agricultural sector is not a regular one.

The due dates for repayment of Crop Loans and Term loan will depend directly on harvesting season and indirectly on crop season. Further the TL installment as well as interest application frequency viz. Half Yearly or yearly will depend on liquid surplus generation frequency.

Water :

The prime requirement for cultivation of crops is water. Depending on the availability of water the agriculture farming can be classified in to :-

1. Dry Land Farming2. Irrigated Farming

Dry Land Farming :

In our country, 80 % agricultural farm lands does not have any irrigation facility and are totally dependent on rain fall. In our country, the rain fall is not available evenly and through out the year. It is available during monsoon season of June to September only. This type is also referred as dry land farming. The crops dependent on rainfall and cultivated during monsoon season are referred as " Kharif Crops " and crop season is referred as "Kharif Season".

Irrigated Farming :

Remaining 20% agriculture farm land have a irrigation facilities through

a. Surface Water - Irrigation dams, Canals, Tanks, Pounds, Rivers etc.b. Ground Water - Dug wells, Bore Wells, Tube Wells, Lift Irrigation Schemes etc.

Even though, the irrigation facility are available, the irrigation is not available every where through out the year. They can be broadly classified as under :-

Irrigation type Examples

Perennial Irrigation

Water is available during entire year.

Irrigation in Punjab, Haryana states through Canals of Major dams, Rivers of Ganga, Satlaj etc.

Seasonal Irrigation

Water is available only for some period after mansoon, but not through out the year.

Dug Wells, Small ponds, Tanks etc.

The crops cultivated after monsoon season are referred as " Rabbi Crops " and crop season is referred as "Rabbi Season".

Page No. 10 of 90

The following table explains the limitation of farmers and his cropping patterns i.e. which type of crops and how many crops can be cultivated in a year. :-

Irrigation Source Crop Type

Crop Season Total Crops / Income

in A Year

Crop Loan ClassificationKharif Rabbi Summar

RainfallShort Duration Y N N 1 Short Duration -

MonoLong Duration N N N 0Seasonal Irrigation

Short Duration Y Y N 2 Short Duration- DoubleLong Duration N N N 0

Perennial / Assured through out the Year

Short Duration Y Y Y 3Long Duration

Long Duration Y 1

It is evident from above table that,

• A farmer dependent on rainfall has to restrict him self for cultivation of Short Duration Crops. He can grow only One crop during the year.

• A farmer having seasonal irrigation has to grow only Short Duration Crops. He can grow Two crops in a year.

• Both the above farmers can't cultivate Long Duration Crop.• A farmer with perennial irrigation has following two options :

▪ Cultivate 2 or 3 Short Duration Crops in a year OR▪ Cultivate 1 Long Duration Crop in a year.

Following table shows the relation between Irrigation Facility, Cropping Pattern No. Incomes in a year and Income Generation frequency

Irrigation Type Cropping Pattern No. of Incomes / year

Income generation Frequency

Rainfed Short Duration - Mono One YearlyIrrigated - Seasonal Short Duration - Double Two Half Yearly

Irrigation - Perinnial

Short Duration Two or Three Half YearlyLong Duration One Yearly

We can say that, Climate, Crop Duration and Irrigation facilities plays a vital role in cropping pattern, number of income generated in a year and also on repayment schedule.

Labour :

Labour is another important input for the Indian agricultural as the most of the farmers are marginal and small farmers without capacity to invest capital. Small Agriculture farm size is also contributed for restricting the farm mechanization at minimum level. Labour charges are also differs from place to place. This difference has been reflected in different SOF (Scale of Finance) of Crop Loans for different districts, finalized by Dist. Technical Committee of the concerned district.

Agri. Finance Guidelines by SBIRD Home

Page No. 11 of 90

Revised KCC Scheme – 2012SBI Master Cir Sr.No. 472/2018-19, dated 20th July 2018

Original R BI Cir No. RBI/2011-12/553 RPCD.FSD.BC.No. 77/05.05.09/2011-12 dt. 11/05/2012

PURPOSE a. Cost of Cultivation of Kharif, Rabi, Long Duration Crops aurb. Cunsumption Requirementsc. Maintainance expenses for Farm Equipments.d. Purchase of Small value Farm Equipments.and Fodder Crops Fodder Crops are also eligible for Crop Loan Finance.

ELIGIBILITY Individual farmers - (Owner Cultivators, Tanent Cultivators, Oral Lesses, Share Croppers) Age:18-70 YrsSHGs or JLGs - (of Farmers, Tenant Cultivators, Share Croppers.)

NATURE OF FACILITY Revolving CASH CREDIT Sanctioned for 5 Years

QUANTUM OF LOAN

1. Marginal Farmers ( Land holding up to 2.5 Acres/ 1 Hectores) A Flexi limit of Rs. 10,000/- to Rs, 50,000/- based on crops grown.2. Other Farmers (Land holding above 2.5 Acres/ 1 Hectors) MDL (Each Years Limit) a. Cost of Cultivation for Kharif, Rabi & Long Term Crops as per Cropping Pattern & SOF. + b. Consumption requirements (10% of a) + c. Maintainance requirements (20% of a) + d. Cost of small value of Farm Equipments (75% of cost repayable within 1 Year.)

• Limit will be stepped by 10% every year in 2nd, 3rd, 4th and 5th year.• MPL (Highest amount of 5 years) will be sanctioned as KCC Limit.

SOP for Capturing SOF in LOS : ABU Cir Sl.No. 173 of 2017-18, dated 10th May 2018MARGIN/ LTV Ratio

a. Cost of Cultivation - N I L (included in SOF)b. Farm Equipments - 25 %

EMI / NMI Ratio - Not Applicable -

RATE OF INTEREST

• Interest rates are to be linked to 1 Year MCLR.• Interest rate is basedon the MDL (Not on MPL)• If Limits are not renewed, int.rate from due date will be MCLR + 3.25 p.a.• Interest concession of 0.50% p.a is given to famers who avail loan above Rs.3.00

lakhs loan limit over and above the interest rates applicable. • Int. Rate on MDL above Rs 3.00 Lacs will be MCLR+3.25% p.a.

SBI Cir. Sl. No. 671/2016-17, DATED 20 AUG.2016Interest Subvention

• Int. Subvention @ 2% p.a. is available from Govt. Of India for MDL upto 3 Lacs. Effective int. rate charged to customers for MDL upto Rs.3.00 Lacs will be 7% p.a.

• Addl. Subvention @ 3% p.a. is available from Govt. Of India to farmers for prompt repayment. Effective int. rate charged to customers will be 4% p.a.

• Additional subvention is also available in some states from respective State Governments.

• Int.Subvention ABU Cir Sl No. 711 of 2017 - 18 dt 26 Sep 2017

Interest Application: • Interest should not be compounded on Current Dues.

• Interest can be compounded at Half-yearly rests only on Overdue Crop Loans.• On Long Duration Crops Interest is to be applied at Yearly Rests.

RBI Master Cir .No. RBI/2015-16/37 DBOD.NO.Dir.BC. 9/13.03.00/2015-16, DATED 01/07/2015

INT. ON CREDIT BAL. Int. @ SB int. Rate will be paid on Credit Balance.

It will be calculated automatically and credited to account in December & June every year.

Page No. 12 of 90

SECURITY

PRIMARY

Hypothecation of Crop grown on the farm land

Even though the KCC Account is not renewed, it is secured by future crops to be grown in the same piece of land. ABU Cir Sl No 1651 of 2016-17, dated 21 March 2017

COLLATERALWaived upto MPL of Rs.

Borrower Type Without Tie-up

With Tie-up

New Applicants, Existing Borrowers with GOOD Track Record

1.60 Lakhs 3.00 Lakhs

ABU Cir Sl No. 1512 of 201819, dated 13th Feb.2019

Noting of Charge Collateral Security a) Waived - Hyp. Charge should noted only on Crops grown in the farm Land. b) Applicable – Hyp. Charge should noted on Crops grown in the farm Land as well as Agril. Land Mortgaged to the Bank by EM/RM. Online Noting :ABU Cir Sl No 327 of 2018 - 19 dt 27 June 2018 SOP

CREDIT SCORING ABU Cir 187 of 2018-19 dt 11th May 2018 Credit Scoring Model Format . CRA Model for Limits > 25. 00 Lacs & Above.

REPAYMENT Turn Over Account.Every drawal to be repaid within a period of 12 Months.Account will be treated as repaid whenever, Credit Summations exceeds MDL Amount.

PROCESSING FEES

MDL upto – 0.50 Lacs – WaivedMDL 0.50 Lacs – Normal charges on the basis of MDL

MDL Amount Above MDL Above Up to Processing Fees #Up to Rs.50000/- W a i v e dRs. 50000/- Rs. 100000/- Rs.100/-Rs. 100000/- Rs. 300000/- Rs. 100/- per Lacs and Part thereofRs. 300000/- and Above 0.30 % f Loan Amount# Applicable Service Tax/GST to be loaded.To be recovered at the time of Initial Sanction as well Renewal

CPPD Cir Sl. No. 595 of 2017-18 dated 29th August, 2017INSURANCE

Crop Insurance is mandatory. All Notified Crops are to be covered under PMFBY.Borrowers are also to be informed regarding availability of Insurance of Rs. 50,000/- under PAI (Personal Accident Scheme). Insurance Premia : Borrower Rs. 5/- p.a. + Bank Rs. 10/- p.a.

DISCRETIONARY POWERS

As per the Delegation of Financial Powers vested with sanctioning authority by the respective Circles on the basis of Credit Scoring Model as below :-

Score Limits 3.00 to 50.oo Lakhs

Limits Upto 3.00 Lakhs Action

Above 70 Good Loans Good Loans

As per delegation of powers. 1. RBU LHO MUMBAI Cir No 173 of 2009-10, dated 13.03.20102. ABU LHO Mumbai Cir No.001/2011-12, dated 19.03.2012

50 to 70 May be considered

-Not Applicable - Refer to Next higher authority.

Less than 50 Bad Loans Decline.

TAT 3 days after completion of all required formalities.

Page No. 13 of 90

DISBURSEMENT ATM-CUM-DEBIT Card ( RuPay Kisan Card)POS DevicesCheque Book FacilityOperations through Branch.

INSPECTION Pre-Sanction Inspection before release of the Loan. Post-Sanction Inspections as stipulated by HO.

RELIEF MEASURES

Incase of crop failures due to natural clamaties;• Holiday Marking is not required.• Crop loans are to be converted in Term Loan repayable within 3 to 5 years.AB-7

RBI MASTER Directions Cir No.RBI/FIDD/2016-17/27, dated 01/07/2016.

PRODUCT CODE 6134-6001 OR 6134-6005

DOCUMENTATION − Two Passport Size Photographs.− ID proof such as Driving License/ Aadhar Card/ Voter Identity Card / Passport etc. Any one

document need to be submitted. .− Address Proof such as Driving License, Aadhar Card,etc. − Proof of land holding indicating Crops grown with acreage,duly certified by the revenue

authorities − Application Form− Arrangement letter duly accepted by the borrower − AB1 / ABI –sim- Agreement for Hypothecation− Security document AB3- Mortgage deed if loan limit above Rs.1.00 lakh

AB2- Guarantee Deed (if applicable) References Topic Cir No.

New KCC Introduction R BI Cir No. RBI/2011-12/553 RPCD.FSD.BC.No. 77/05.05.09/ 2011-12 dt. 11/05/2012

SBI Master Circular Master Cir Sr.No. 472/2018-19, dated 20th July 2018Capturing Scale of Finance in LOS

ABU Cir Sl. No. 173 of 2017-18, dated 10 May 2018t

Interest Subvention1. ABU Cir Sl No. 711 of 2017 - 18 dt 26 Sep 2017.pdf 2. Operational Guidelines 3. Formats

Issue of RuPay Kisan Cards through LOS

ABU Cir.Sl. No. 1324 of 2015-16, dated 30th Jan. 2016

Due Dates for Crop Loans SBI ABU Cir Sl. No. : 15/2013 - 14 dated 05 April 2013

Int. Application on Adv. RBI Master Cir.No. RBI/2015-16/37 DBOD.NO.Dir.BC.9/13.03.00/ 2015-16,Dt. 01/07/2015

Discretionary Powers 1. RBU LHO MUMBAI Cir No 173 of 2009-10, dated 13.03.20102. ABU LHO Mumbai Cir No.001/2011-12, dated 19.03.2012

Relief Measures RBI MASTER Directions Cir No.RBI/FIDD/2016-17/27, dated 01/07/2016.

Credit Scoring Model ABU Cir 187 of 2018-19 dt 11th May 2018 Credit Scoring Model Format.

Security Value ABU Cir Sl No 1651 of 2016-17, dated 21 March 2017

Processing Charges Cir Sl. No. 595 of 2017-18 dated 29th August, 2017

Utilities1. MDL / MPL Calculator 2. Agri. Income Calculator 3. NPA Simulator

Relaxation of Collateral Secutiry ABU Cir Sl No. 1512 of 201819, dated 13th Feb.2019

Page No. 14 of 90

CBS : KEY VALUES OF IMPORTANT FIELDS

CBS Field Name Appropriate Value

Product CodeMDL < 3.00 Lacs : MCLR 6134-6001 - MCLR Revised KCCMDL > 3.00 Lacs : MCLR 6134-6005 - MCLR KCC SHORTRM CROP >3.00 LNON SUBVENTION

Limit Amount MDL of Respective year

Limit Expiry Date

* Due Date of Crop Loan Short Duration (MONO) - Kharif - 31 January / SLBC declared Short Duration (MONO) - Rabbi - 31 July / SLBC declared Short Duration (DOUBLE) - 31 July / SLBC declared Long Duration - 12 M from Dt. San./SLBC declaredSBI ABU Cir Sl. No. : 15/2013 - 14 dated 05 April 2013

Renewal Fresh Advance - NoRenewal - Yes

Processing Fees NF-No Fees

Next Int. Application Date Last day of month in which due.

Security Expiry Date Blank for Crop Loans ( Crops are grown in every month)

Crop Season Short Duration Mono (Cultivation in Single Season) - 24 MonthsShort Duration Double(Cultivation in Multiple Seasons) - 12 MonthsLong Duration - 12 Months

Subvention Details

Subvention Required

MDL > Rs. 3. 00 Lacs – No

MDL < Rs. 3. 00 Lacs - Yes

Subvention Start Dt. Date of Sanction / System Date / Todays Date

Subvention End Dt. 12 Months from Date of Sanction

Subvention Rate 7 %; Paramatarised and will be picked automatically by system.

Pepared by :

Shri. N.G. Masare9822606389

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Page No. 15 of 90

KRISHAK UNNATI OVERDRAFT (KU-OD)KRISHAK UNNATI OVERDRAFT (KU-OD)ABU Cir Sr.No. 7/2018-19, dated 02 April 2018

PRODUCT KRISHAK UNNATI OVERDRAFT (KU-OD)PRODUCT CODE 6531-1002

PURPOSE

a. Cost of Allied activities/Gen. Agricultural purposes.b. Storage cost in case of uncertainty in prices of agri. Commodities.c. Cost of Sudden breakdown of farm/irrigation equipmentd. Other incidential expenses.e. Payment of Water/Electricity/Diesel Bills.f. Purchase of agri.inputs like Seeds/Fertlizers/Pesticides etc.

ELIGIBILITY• Existing Farmers with KCC Limit of Rs. 5.00 Lakhs and above.• Having completed TWO RENEWALS/Reviews and• Regular with either HL/Car Loan/ATL.

NATURE OF FACILITY Overdraft ( Running Account) valid for 3 years with YEARLY REVIEWS.

QUANTUM OF LOAN 20 % of KCC Loan Limit (MPL)Maxmium : Rs. 1.00 Lac.

MARGINo - N I L -PROCESSING FEES - N I L -RATE OF INTEREST 1 Year MCLR + 7.85% p.a.

Penal Interest 2% p.a. Over and above the card rate for amount overdue.

Interest Subvention Not eligible.

SECURITYPRIMARY

Hypothecation of Assets created out of Bank Finance viz. Standing/ Future Crops, Dairy Animals, Farm machinery.

Even though the KCC Account is not renewed, it is secured by future crops to be grown in the same piece of land. ABU Cir Sl No 1651 of 2016-17, dated 21 March 2017.pdf

COLLATERAL Extension of existing security mortgaged to the bank for availing KCC limit

CREDIT SCORING ABU Cir 187 of 2018-19 dt 11th May 2018 Credit Scoring Model Format CRA Model for Limits > 25. 00 Lacs & Above.

DISCRETIONARY POWERS

As per the Delegation of Financial Powers vested with sanctioning authority by the respective Circles on the basis of Credit Scoring ModelScore Classification Action

Above 60 Good Loans * Clear Sanction. As per delegation of powers.

40 to 60 May be considered Refer to Next higher authority.

Less than 40 Bad Loans Decline* 1. RBU LHO MUMBAI Cir No 173 of 2009-10, dated 13.03.2010 2. ABU LHO Mumbai Cir No.001/2011-12, dated 19.03.2012

TAT • 7 Days from date of submission of all the required documents.

Documents

• KYC Documents• Application – Cum – Apprisal Form• Aggangement Letter• AB1- Simple agreement for Hypothecation• Letter of Undertaking.

To be processed through AGRI. LOS

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DISBURSEMENT

• No Cash withdrawals.• The Limit is reserved for SBI Card transactions.• KU-OD a/c shall be debited as & when the dues of Krishak Unnati Card

issued are NOT PAID within the due date, fixed by SBI Cards.

END USE OF FUNDS Self declaration from borrowers stating that, the funds will be utilised for Agriculture related purposes.

REPAYMENT Running Account; to be REVIEWED ANNUALLY

MODE OF REPAYMENT

− Monthly card Statement will be delivered to borrower through post /e-mail.− Customer will also be sent payment due date & amount alerts through SMS.− Payment of bills can be done through Online Channels or Over the counter

at Br.− The Amount utilized by the borrower through SBI Krishak Unnati Credit Card,

has to be paid on or before the payment due date by credit to his linked SB accounted. Auto debit process will be exercised

− If no payment is received by payment due date + 2 days, Auto sweep on KU-OD Account will be invoked and limit of the card will be reduced accordingly.

− In case payment is also received by SBI Cards from customers after sweep, the same will be returned to the customer by SBI Cards.

MONITORING & FOLLOW UP • Nodel officer identified at ABU LHO to track & monitor the progress.

IRAC Norms • Covered by IRAC Norms for CC/OD facility.

Other Features

• Krishak Unnati Card is free for 1 year.• 2nd year onwards renewal fee of Rs. 499/-.• To be waived for annual spends of Rs. 30,000/-.• Free period of 20-50 days.• Rewards points

• 5 Reward Points per Rs.100/- spent on Utility Bill Payments• 1 Reward Point per Rs. 100/- spent on other categories.• Reward Points can be redeemed against outstanding balance or

against gift option from SBI Card Reward catalogue.• 1% Surcharge waiver across all fuel pumps in India.• Rs. 500/- Cashback on Annual spends of Rs.50,000/-.

Steps Involved

• Identify the eligible KCC accounts• Limit of Rs.5.00 Lakhs & above, • Completed TWO renewals/reviews &• Regular with either Housing Loan/ Car Loan / ATL• Educate the customer about benefits and timely repayment of card spends.• Obtain Application alongwith KYC documents & Annexures• Carry out the Due Diligence.• Put up / Source through LOS for sanction• Obtain Security documents• Create KU-OD account• Maintain a Register for issuance for SBI Card at the branch.

References • ABU Cir Sr.No. 7/2018-19, dated 02 April 2018– KU-OD Product• ABU Cir Sl No 1651 of 2016-17, dated 21 March 2017.pdf – Primary Sec. Value

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Page No. 17 of 90

PRODUCE MARKETING LOANDL Against WHR

(Product Code : 6431 4159)Master Cir ABU Sl. No.1005 of 2018-19 date 20 Oct 2018

Purpose • To avoid distress Sale.• To ensure prompt repayment of Crop Loans• To meet contingency needs.

Target Group / Eligibility

Farmers / Group of Farmers who have - Availed Crop loan from our Bank - Availed Crop loan from other Banks - Not availed Crop loan from any Bank. and - Stored Farm produce in Own place / Ware house godowns. - Against e-NWR in case the warehouse is registered under WDRA Rule- 2017 ABU Cir Sl.No. 187 of 2019-20 dated 14 th May 2019

Nature of FacilityDemand Loan Against security of Farm Produce stored at - Farmer's own Place/ Godown OR - Accredited Ware houses.

Quantum of Loan

Farm Produce Stored in • Farmers Own /Pvt Godown - 60 % of the # value of produce • Collateral Management Services - 75 % of the # value of produce ;• Maximum Rs. 50.00 Lacs

# value of produce : - (a) Current Market Price OR - (b) Minimum Support Price. Which ever is LOWER # www.agmarknet.nic.in, website of Agri. Marketing Information Nertwork

Margin

Farm Produce Stored in • Farmers Own Warehouse/ Pvt. Warehouse - 40 % • Vegetables and Cotton - 40 %OR .. (I)• Collateral Management Services :

▪ Value as per (a) Current Market Price - 25 % ▪ Value as per (b) above viz MSP - 25 % ...... (II)

HIGHER of (I) or (II)

Security

Prim. Pledge of Stocks

Coll.

Loan above Rs. 1.00 Lacs - Mortgage of Land. HOWEVER Mortgage of Land Waived, :- Farm produce stored in / WHR issued by Loan Amt. Up to

Processing Fees

Limit Slab Processing Charges.Up to Rs. 50,000/- Rs. N I L Rs.50,000/- to Rs. 1,00,000/- Rs. 100/- + GSTRs. 1,00,000/- to Rs. 3,00,000/- Rs. 100/- or part thereof Above Rs. 3,00,000/- 0.30 % of Limit, Max.Rs 30.00 Lakhs

CPPD Cir Sl. No.595 of 2017-18, dated 29th Aug. 2017

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Repayment• Linked to self life of commodity OR• Validity of WHR OR• 12 Months, whichever is earlier.

Rate of interest

Godowns Managed by Bank's ApprovedApproved collateral Managers UN Approved Collateral Managers

Loan Tenure

Up to 6 Months Above 6 Months

Limits

Up to 3.00 Lacs

Rs. 3.00 to Rs. 50.00 Lacs

6 Months MCLR+0.80% p.a.

1 Year MCLR + 1.10 % p.a.

9.00 p.a. ** 1 Year MCLR + 3.60 % p.a.

* Including 2% Interest subvention for 6 months.

Documents to be obtained

• KYC documents• Application for PML• Arrangement Letter, duly acknowledged by borrower.• Demand Promissory Note• DP Note delivery letter.• AB-1 : Hypothecation Agreement• AB-2 : Deed of Guarantee• AB-3 : Mortgage Deed (which ever applicable)• Affidavit for non-availment of loan from any Bank (from Non-Borrowers)

P l u s ....When Farm Produce stored in Warehouse / Rural Godown /Cold Storage

• WHR Receipt duly endorsed in favour of Bank• Security delivery letter.• Under taking from Warehouse Authorities.

Inspection

• Pre-Sanction – Before procrument starts - Yearly by the Br. Manager• Post Sanction -• Stock stored in own premises borrower to submit Stock Statement.

◦ Loans up to Rs. 25. 00 Lacs - Once in 2 Months Above Rs. 25.00 Lacs - Monthly• By Br. Manager - Quly.

Discretionary Powers

As per 1. RBU LHO MUMBAI Cir No 173 of 2009-10, dated 13.03.2010 and 2. ABU LHO Mumbai Cir No.001/2011-12, dated 19.03.2012 Loans above Rs. 25.00 Lacs, to be sanctioned on the basis of Revised Scoring Model vide ABU Cir 187 of 2018-19 dt 11th May 2018

Score % Stipulation > 60% ( >30 Marks) "Good Loans" As per Disc. Powers > 50 % to < 60 %

(25 to 30 Marks) "Enhancement" Refer to next higher authority.

< 50% ( <25 Marks) "B A D Loans" Not be sanctioned.Not be sanctioned.

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Disbursement

Our KCC Borrower Dr. PMPL Cr. KCCOther Bank's borrowers Liquidation of Loan AccountNon-Borrowers Cash / Credit to Deposit a/c. as per choiceBorrower can withdraw from KCC / Deposit AccountNo Cash disbursement beyound Rs. 20,000/-

Insurance For full value of stocks

Special Features

• Int. subvention @ 2% is available on PML availed against WHR for 6 months to Small & Marginal Farmers.

• To be processed through LOS only.• Part delivery of Stocks permitted.• WHR should be sent through a responsible employee of the Bank to Ware

House.• Delivery Order should be issued, to be receipted by the borrower.• Fresh Receipt for balance of Stocks OR suitable endorsement on old

receipt, before delivery of Stocks.

ReferencesMaster Cir ABU Sl. No.1005 of 2018-19 date 20 Oct 2018 AnnexureABU Cir 187 of 2018-19 dt 11th May 2018 – Scoring ModelABU Cir Sl.No. 187 of 2019-20 dated 14 th May 2019 – eNegotiable Warehouse Receipt Prepared by :

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Page No. 20 of 90

Agri. GOLD LOANsAGL-Master Cir Sl o. 734 if 2018-19 dated 5th Sept. 2018

Interest Subvention Non-SubventionProduct Name

Agri. Gold Loan (Int.Subvention)

Multi-Purpose Agri. Gold Loan (Non-Int.Subvention)

Product Code

6431-6001 Br-DL Gold Loan Agri DL6431-6002 Br-DL Quick GL Agri DL6431-6003 Agri GL drought relief DL6431-6004 Br Agri GL drought

reliefDL

6431-6005 DL Gold Loan Agri DL6431-6006 Br-DL Quick GL Agri DL6530-1010 GL for Agri. Product KCC6531-1001 GL for Agri. Product DL

6430-4154 Gold Loan ATL6430-4155 Gold Loan DL6431-4518 DL Gold Loan DL

6530-1112 GL for Agri. Prod needs

KCC

6531-1140 OD Gold Loan OD

Purpose

• To meet the Crop Production Expenses AND/OR

• Creation of Assets, to be used in Farming Operations.

• To meet the Short Term Production / Investment credit needs.

Target Group

• Any person engaged in Agri. and Allied activities classified under Agri. as per RBI directives.

• Evidance of Land holding.

• Bonafide owner of Gold Ornaments.

• Indiviaul Farmers who are owner cultivators, Tenant Farmers, Oral Lessees, Share Croppers, Agri.Enterpreneurs.

• Any person engaged in Agri. and Allied activities classified under Agri. as per RBI directives & not covered under Agri. Int. Subvention Scheme.

• Bonafide owner of Gold Ornaments.Nature of Facility Demand Loan , Or KCC Demand Loan, Overdraft, KCC Or ATL

Adv. Value At the rates advised by Precious Metal Dept.Mumbai from time to time

Quantum of Loan

A. Crop Loan Production requirement :Sr. No.

Crop Grown

Acerage SOF Totala b a x b

123

Total (A)=B. = Net wt. of Gold Ornaments X Advance Value of Gold Ornaments to be pledged.

A. Crop Loan Production requirement :Sr. No.

Crop Grown

Acerage SOF Totala b a x b

123

Total (A)=

B. Investment Credit needsC. Loan availed from non-institutional lenders.

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E .Loan Amount = Lower of A or B

D. = Net wt. of Gold Ornaments X Advance Value of Gold Ornaments to be pledged.E. Loan Amount = Lower of (A+B+C)or D

Min./ Max. Minimum - No MinimumMaximum - Rs. 25.00 Lacks

Margin Loan is assessed as per

• Aavance value as advised by Precious Metal Dept.Mumbai from time to time &• Scale of Finance, (which are inclusive of margin ).Hence, No Seperate Margin

Rate of interest

Limits Up to Rs. 3.00 Lacs • Limits up to Rs. 3.00 Lacs per

person, per season sanctioned for Short Term crop products are eligible for Int.subvention scheme of Govt. of India and will be charged at 7% p.a.

• If loan is not repaid on due date, the interest rate will be linked to

1 Year MCLR + Spread (1.25%).Limits Above Rs. 3.00 Lacs

Floating, as applicable from time to time. 1 Year MCLR + Spread (1.25%).

Floating, as applicable from time to time. 1 Year MCLR + Spread (1.25%)

Int. Subvention

• Limits up to Rs. 3.00 Lacs, sanctioned for Short Term crop products are eligible for Int.subvention scheme of Govt. of India.

• Not eligible for int. subvention.

1. ABU Cir Sl No. 711 of 2017 - 18 dt 26 Sep 2017.pdf 2. Operational Guidelines 3. Formats

Security

PRIM. Hypothecation of Crops raised out of Bank Finance

COLL. Pledge of Gold Ornaments.

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Processing Fees

Sr. No. Loan Amount Processing Fees.

a Upto Rs. 25,000.00 - N i l -b Above Rs. 25,000.00 Up to Rs. 2.00 LaCS Rs. 500/- + Service Chargesc Above Rs. 2.00 Lacs 0.30% of Loan amount

CPPD Cir Sl. No. 595 of 2017-18 dated 29th August, 2017 . Subject to Revision from time to time.

Gold Appraiser Charges

Rural / Semi Urban @ 0.05% to 0.10% of loan amount with a minimum of Rs 50/- and maximum of Rs 600/-

Min. Rs. 50Max. Rs. 300

Urban / Metro Max. Rs. 600

Cir Sl. No. 1323 of 2017-18,dated 5 th Feb. 2018. Safe Keeping Charges

Gold Loan safe keeping charges of including Service Charges are to be recovered 30 days after expiry of 12 Months @ Rs. 843/- p.a.

Repayment

KCC/OD - Running a/c for 3 years, subject to Annual Review.Demand Loan - Repayable through sales proceeds of crops; within 12 Months.• If outstanding exceeds the market value of Gold, adequate amount to be paid immediately to regularise the account.

LTV Ratio 75 % to be maintained all the times.If LTV falls below 75%, account would become NPA

Discretionary Powers

As per delegation of Financial Powers. 1. RBU LHO MUMBAI Cir No 173 of 2009-10, dated 13.03.2010 2. ABU LHO Mumbai Cir No.001/2011-12, dated 19.03.2012

Disbursement Through KCC/SB Accounts only.

Documents to be obtained

• 2 copies of Photographs of the borrower.• KYC documents.• Land Records and cropping pattern.• DP Note, DP Note delivery letter• SIM-GL/1 Application for Gold Loan• SIM-GL/2 Gold Ornaments delivery letter• SIM-GL/3 Witness letter in case of illiterate borrowers• SIM-GL/8 Memorandum in respect of Gold Ornament(s) deposited as Security.

Monitoring & Follow up

• Disbursement through KCC/SB Accounts only.• LTV percentage of 75% should be maintained at all the times. • Collateral Value of gold should be l35% of the advance value.• The depletion of security value due to fluctuation in gold prices should be

monitored closely.• When ever there is downward revision, branches to follow up for top up the deficit

amount or for repayment of loan.IRAC • As applicable to normal Crop Loan (KCC) account.

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Norms. • If LTV falls below 75%, account would become NPA

Part delivery

Permitted against• Part payment of the loan• Advance value of residual gold ornaments to fully cover the Outstanding.• Written request of the borrower• Borrowers acknowledge for receipt of Gold ornaments in GL Ledger.

3rd Party delivery

• Very exceptional cases.• Complete repayment of loan.• Undoubted authority & under taking of the borrwer. (SIM-GL/4)• If required, Indemnity from borrower on SIM-GL/5• Full identification /KYC of 3rd Party.• Authorised 3rd party's acknowledge for receipt of Gold ornaments in GL Ledger.• Borrowers acknowledge on COS-49

Spl. Features

• To be processed through LOS only. • Usual Gold purity tests such as Nitric Acid Text, Touch Stone Method, Specific

Gravity Test Should be carried out.• For Loans above Rs. 50,000.00 / Rs.1.00 Lacs, services of approved Gold

Appriaser and Additional Appraiser may be availed, for ensuring purity of gold ornaments.

• Gold Loan Ledger to be maintained. • Gold loans are out of perview of DCB norms.

References

Sr. No. Topic Cir. Reference No.

1 Master Circular AGL-Master Cir Sl o. 734 if 2018-19 dated 5th Sept. 2018

2 Int. Rates CPPD Cir Sl. No. 1408/2016-17, dated 25/01/2017

3 Discretionary Powers 1. RBU LHO MUMBAI Cir No 173 of 2009-10, dated 13.03.20102. ABU LHO Mumbai Cir No.001/2011-12, dated 19.03.2012

4 Int. Subvention ABU Cir Sl No. 711 of 2017 - 18 dt 26 Sep 2017.pdf

5. Processing Charges Cir Sl. No. 595 of 2017-18 dated 29th August, 2017

6 Empanalment of Gold Appraiser ABU Cir 171 of 2018-19, dated 10th May 2018

7 Payment of Appraiser Charges

ABU Cir 1323 of 2017-18 dated 05 Feb 2018 - AmountABU Cir No. 328 of 2018-19, dated 27 th June 2018-Payment

8 Surprise Verification of Gold Ornament Bags ABU Cir Sl. No. 297 of 2018-19 dated 18th June 2018.

9 Accounts in Single CIF Cir Sl. No.727 of 2018-19, dated 05/09/2018

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Page No. 24 of 90

ASSET BACKED AGRI. LOANPremier Kisan Gold Card

(Product Code : 6531-1142)Master Cir No.829 of 2018-19 dt 25th Sept. 2018

Purpose

To provide hassle free finance to farmers for meeting credit requirements for :-◦ Traditional & modern farm related activities◦ Emerging and High Tech Agri. activities◦ Short Term Production credit requirements◦ Investment credit requirements.

Target Group Individual Farmers / Corporate Farmers / Partnership Firms and Companies.

Eligibility

• Progressive, literate & illiterate farmers with owned land/immovable property.• Individuals/ Joint, Sole prop. concerns, partnership firms.• Existing OR New borrowers availing credit facilities from our Bank.• Takeover of existing units from other Banks/FIs with satisfactory track record (Credit

Information Report (CIR) to be obtained).

Take over criteria

• Credit Information Report from Credit Information Companies(CICs) should be satisfactory.

• Credit Opinion Report in IBA Format to be obtained from other bank.• Bank Statements of all accounts for last 12 months to be obtained invariably and

perused.• The name of promoter /director/ guarantors should not appear in the list of

defaulters/willful defaulters.• NPAs/SMA should not be taken over.• iProbe should be verified.

Nature of Facility Overdraft facility Upto Rs.50.00 Lacs Drop-Down OD facility Above Rs. 50.00 Lacs

Quantum of Loan

• 5 times of farm/non-farm Annual Farm/Non Farm Income OR• 65% of the value of land/building to be mortgaged OR• Loan assessed ( Production Credit on the basis of Cropping Pattern and SOF +

Investment credit) whichever is less.• Minimum - Rs. 3.00 Lacs• Maximum - Rs. 200.00 Lacs

Assessment of limit

The need based assessment for the required credit limits has to be carried out on the basis of Credit Scoring Model applicable to proposed activity.

Production credit Based on revised KCC method

Investment credit Based on the project cost of each activity.

Margin 15 to 25 %

LTV Ratio Maximum LTV 65 %

Security

Prim.Hypothecation of

• Standing/future crops and • Assets created out of Bank finance.

Coll.

EM/RM of SARFAESI Compliant immovable property (NA land/building), pertaining to applicant / near relatives / partners only.

• Property within the radius of 25 KMs. from the branch.• Only 1st charge on immovable property.• Other permissible Securities

▪ Gold▪ Bank TDRs▪ NSC/KVIPs▪ LIC policies of applicant /guarantor.

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3rd party Guarantee

• Personal guarantee of promoter /partners.• 3rd party guarantee of mortgagor.

Valuation

• Value more than 155% of loan amount.• Valuation of the property has to be carried as per Bank's extant instructions.• Market information/value has to be considered while assessing the proposal.• Fresh Valuation of the property has to be carried out every 3 years and any shortfall has

to be topped up.

Processing Fees

• 1.00 % +GST. On Loan limit for Every Review• 1.00% + GST on restituted amount when the OD Limit is restored.• Maximum Rs. 2.00 Lacs + GST

ABU Cir 1381 of 2018-19 dated 11 th Jan.2019

Repayment

Limits up to Rs.50.00 Lacs : 12 to 72 monthsLimits above Rs.50.00 Lacs : Drop line Overdraft facility.

• Period : 12 to 72 months with equated or customised reduction in limit.• Installment Due date/DP reduction date may be last working day of every month.• DP has to be reduced monthly so as to liquidate the OD fully at the end of period.• Regular Transactions are permitted up to available DP.• No Over drawings.

Review/ Renewal

• No Renewal, only Annual Review• Limit can be brought to the Original level or cancelled on the basis of Annual Review.• Yearly affidavit from the borrower to be obtained for funds have been/will be utilised

only for the purpose of approved activities.

Rate of interest• 1 Year MCLR (Floating) + Spread (2.0) % p.a.• Penal Interest of 1% above the rate of int. for on balance outstanding, if overdue more

than 30 days.

Documents to be obtained

• KYC documents• Application for ABAL• Arrangement Letter, duly acknowledged by borrower.• Demand Promissory Note• DP Note delivery letter.• Security delivery letter.• AB-1 : Hypothecation Agreement• AB-2 : Deed of Guarantee• AB-3 : Mortgage Deed (which ever applicable)• Original Title Deeds of the property along with TAX Receipts.• TIR in Bank's prescribed format & property Valuation Report.

Inspection • Half Yearly intervals.• In case of delay in repayment of interest/instalments, to be contacted/visited

immediately and regularly.

Scoring Model Loans to be sanctioned on the basis of Credit Scoring Model vide ABU Cir 187 of 2018-19 dt 11th May 2018

Sanctioning Authority

Loans to be sanctioned on the basis of Credit Scoring Model as below :-Score Classification Action

> 60 "Good Loans"Clear Sanction under Disc. PowersRBU LHO MUMBAI Cir . No. : 1. RBU LHO MUMBAI Cir No 173 of 2009-10, dated 13.03.20102. ABU LHO Mumbai Cir No.001/2011-12, dated 19.03.2012

40 to < 60 May be Sanctioned

Refer to next higher authority.

<40 % Bad Loans Decline ABU Cir 187 of 2018-19 dt 11th May 2018

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Disbursement KCC Rupay Card to be provided.

End use of funds

Limits of up to Rs.10.00 Lakh Limits above Rs. 10.00 Lakh

• Self Declaration, • Without insisting for Bills/

Invoices.

• Self Declaration up to 20% of loan limit due to cash payments of labour wages bills/vourchers can not be produced.

• Remaining 80 % limit, br. to ensure verification of assets supported by Bills/Invoices within 1 month from date of disbursement.

• Suitable record of Inspection and documents should be maintained by the branch.

Insurance • Unit/activity to be insured Comprehensively.• Assets created out of bank finance to be insured for full value of assets.

Recovery & Follow up

• All account holders should be intimated through SMS in Regional Language well in advance for timely repayment.

• In case of default;◦ 1st Notice should be served in the 1st Week of date of default.◦ 2nd Notice is to be served to customer in 3rd week.◦ Borrower to be contacted personally for over dues beyond 30 days.◦ SARFAESI Notice U/s 13(2) has to be served on day of NPA itself.◦ SARFAESI Notice U/s 13(4) has to be served after 60 days.◦ Recovery proceedings to be initiated after turning the account NPA.

Inspections • Half Yearly

Special Features

• Int. subvention NOT available• To be processed through LOS only.• Applicable Scoring Model for assessment of limit should be used.• Credit Risk Assessment is applicable to limits above Rs.25.00 Lacs.• IRAC norms as applicable to AGR & Agri. allied activities are applicable.

References

Sr. No. Topic Cir Reference No.

1 ABL Master Cir Master Cir No.829 of 2018-19 dt 25th Sept. 20182 SOP & FAQ Annexure-II of Cir. Sl. No. 750/2017-18, dated 03.10.2017

3 Discretionary Powers 1. RBU LHO MUMBAI Cir No 173 of 2009-10, dated 13.03.20102. ABU LHO Mumbai Cir No.001/2011-12, dated 19.03.2012

4 Scoring Model ABU Cir 187 of 2018-19 dt 11th May 2018 Credit Scoring Model Format.

5 Processing Fees ABU Cir 1381 of 2018-19 dated 11 th Jan.2019

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Tatkal TRACTOR LOAN(Mortgage Free)

ABU Master Cir Sl No.751 of 2017-18 dt 03rd OCT.2017

Purpose To meet the cost of Tractor (including Insurance + Registration Charges)

Approved Models

Tr a c t o r models which have completed the Commercial Test form organizations Viz,

• Central Farm Machinery Training and Testing Institute (CFMTTI), Budni (MP),• Farm Machinery Training and Testing Institute ( FMTTI), Hisar, (Haryana).

Target group/Eligibility

• High Networth farmers, capable of purchasing Tractor with Cash (Minimum 70% of the cost of Tractor)

• All Individuals/ Joint land owner cultivators holding minimum land of 2.00 Acres.• Who Secures Score of 40 and above under Tractor Credit Scoring Model.• Income from custom hiring should not exceed 50 % of repayment obligations• Good Networth borrowers banking with other Banks.• Existing / New farmers.

Nature of Facility Agri. Term Loan

Quantum of Loan• Cost of Tractor +• Including Insurance Premia and RTO Registration Charges • Exclusing cost of Accessories.

Margin / Ltv Ratio

− 25 / 40 / 50 % of Project Cost (Cost. of Tractor + Insurance Premia + RTO Reg. Charges)

− Margin to be deposited in TDR in the br. with ZORO % rate of Interest.− Lien has to be marked on TDR for the Loan Tenure of Tractor Loan.

EMI / NMI Ratio Minimum DSCR should be 1.5 : 1.

Rate of interest

• Linked to Margin• Interest to be applied on net of Margin (Bank Loan Amount-Margin Amt. in 0 %

TDR )• As applicable from time to time MCLR + Spread.

Product Code Margin Applicable Rate

6430-4164 25 MCLR + 3.25 % p.a.Higher the Margin,Lower will be the Interest Rate6430-4165 35 MCLR + 3.10 % p.a.

6430-4166 50 MCLR + 3.00 % p.a.• Penal interest of 1% on overdue amount.

CPPD Cir Sl. No. 1384/2016-17, dated 19/01/2017 & Cir Sl. No. 1408/2016-17, dated 25/01/2017

SecurityPRIMARY Hypothecation of Tractor, purchased out of Bank Finance.

COLLATERAL Lien on TDR accepted as Margin Money

Upfront fees 0.50 % of Loan Limit

Discretionary Powers

As per RBU LHO MUMBAI Cir . No. : 173 OF 2009-10, dated 13.03.2010

TAT 2 Days for receipt of Complete set of required documents.

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Insurance

i. Comprehensive Tractor Insurance for full cost in the name of Borrower.ii. PAI cover for Rs.4.00 lakh up to 2 farmers for the first year. iii. Premium (at present Rs.200/- per person per year) iv. 1 s t Ye a r p r e m i u m will be borne by the Bank .

Repayment

Repayable in 48 to 60 Monthly installments.

EMI's for Net Loan ( Loan-Margin) 48 Months

EMI's for Total Loan (Without netting) 60 Months

• Minimum amount of Rs. 1,000/- p.m./per lakh of loan limit to be recovered.

• 6 PDC/ECS to be obtained from the borrower

Frequency : Based on Total Scores awarded for paramater " Hiring Potential + % of Income from Allied Activities" under Tractor Credit Scoring Model. Vide ABU Cir 187 of 2018-19 dt 11th May 2018Hiring Potential + % of Income from Allied Activities

Loan Repayment Schedule

11 - 14 EMI covering Principal + Interest

06 -10 Interest : Monthly Rs.1000 / Lack of Outstanding &Principal : Quarterly

5 and belowInterest : Monthly Rs.1000 / Lack of Outstanding + Residual Interest, if any &Principal : Half Yearly

TL installments are to be synchronized with Harvesting Season of cultivated Crops

Documentation

• KYC Documents.• Land Records.• Loan Application.• Arrangement Letter.• AB-1 Hypothecation Agreement.• Lien marking authorisation letter.• Security Delivery letter for margin money TDR.• PDCs towards Loan installments.

Disbursement Directly to Authorised Tractor Dealer, against KYC of dealer fulfillment.

Charge in RC Book

− Branches to search Bank’s lien on RC by login to website w w w. v ahan.nic.in as is being done in case of car loans or

− Verify by sending SMS to VAHAN (space) registration number to 7738299899.− Procedure for verification of lien is given in e-Circular No.430/2015-16 dated

11.04.2015 within 15 days of disbursement of loan.− Braches should ensure by verifying the RC book within a period of 30

days from the date of disbursement of the loan or reported delivery of the tractor, that the registration of the tractor is done in the borrower’s name and the Bank’s lien noted therein is only as a ‘ Hypothecatee’ and not as joint owner.

Inspection • At Half Yearly Intervals. • Inveriably to be noted in CBS.

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Monitoring & Follow up

• Intimations through SMS, well in advance for timely repayment.• Regular Tele calling for defaulters.• Notices to be served in the 1st Week of default.• Borrowers to be contacted personally if loan account remains irregular for 30 days.• In case, 3 EMIs are in default, may be handed over to Recovery Agents for seizure

of Tractor.• Recovery proceedings through : Compromise, Lok Adalat, Legal route should be

initiated.

Relief Measures

Incase of crop failures due to natural clamaties; -TL installments are to be

• Re-scheduled / • Converted in to Term Loan, repayable within 3 to 5 years.

RBI Master Cir No.RBI/2015-16/68,FIDD NO. FSD.BC.01/05.10.01/2015-16, dt. 01/07/2015.

IRAC Norms

• Depending upon the Crops raised by the farmer.

Sr. No. Cropping Pattern

IRAC NormsInstalment of Principal / Int. remains overdue for

1. * Short-Duration - #Mono 2 Crop Seasons2. Short-Duration - $Double 1 Crop Season3. ** Long Duration 1 Crop Season

* Short Duration - Crops which are not Long Duration.** Long Duration - @Crop Season longer than 1 Year.@ Crop Season - Period up to harvesting of crops raised; / determined by SLBC.# Mono - Cultivating only 1 crop either in Kharif / Rabbi Season.$ Double - Cultivating 2 or more crops in Kharif/Rabbi & Summer Season.For proper IRAC Classification, appropriate Crop Season values are to be updated in CBS

Spl. Features

• Mandatory validation with data base of PAN/CIBIL/High Mark CICs.• To be processed through LOS only.• Mortgage Free Loan-Credit• Incentive for Dealer and Dealer Sales Executives for business sourced by them.

No. of Referrels translated into Sanctions/ Per Month % of Incentives Maximum

Amount

Dealers

Up to 10 / Month 1% of Limit (75:25) Rs. 5000/-Above 10 (upto 10)/ MonthFrom 11th onwards

1.40 % of Limit +0.75 % of Limit (75:25) Rs. 7000/-

i. 0.75 % Incentive will be paid by the branches after the lien is noted in favour of Bank in RC book of Tractor.

b. Remaining, 0.25% will be paid after one year, c. Subject to the account continue to be a Standard

Asset.

Sales Representatives

Up to 10 / Month 0.50 % of Limit Rs. 2000/-Above 10 (upto 10)/ MonthFrom 11th onwards

0.50 % of Limit0.70 % of Limit

Rs. 3500/-Rs.

The incentive will be paid after the lien is noted in favour of Bank in RC book of tractor.

Page No. 30 of 90

References

Sr. No. Topic ABU Cir No.

1 Master Circular - TTL ABU Master Cir Sl No.751 of 2017-18 dt 03rd OCT.2017

2 Standard Operating Proc. Master Cir Sl. No.751 of 2017-18 dated 3rd OCT.2017 Annexure1.pdf

3 Master Cir - Tractor Fin. Master Cir on Tractor Financing dt 31 March 2009

4 Discretionary Powers AGR RBU LHO Mum Cir 173 of 2009-10 dt 13.03.2010.pdf

5 Credit Scoring ABU Cir 187 of 2018-19 dt 11th May 2018 Tractor Credit Scoring Model.

6 Hyp. Charge in RC Book PBU Cir Sl. No. 430 of 2015-16 dated 11 Apri. 2015

CBS : KEY FIELDS & Appropriate Values

CBS Field Name Appropriate Value

Product Code6430-4164 ( 25% Margin) 6430-4165 ( 35% Margin) 6430-4166 ( 50% Margin)

Scheme Code 09103

Activity Code 01161

Limit Amount Project Cost - Margin (25 to 50 %)

Processing Fees Waived

Next Int. Application Date Due date of 1st Installment.

Security Expiry Date Blank / (Loan Term + 5 Years)

Crop Season

Cropping Pattern : Short Duration Mono - 24 Months Short Duration Double/Multiple - 12 Months Long Duration - 12 Months

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Page No. 31 of 90

Modified New TRACTOR LOAN Product Code : 6430-4161

Master Cir Sl No 748 of 2017-18 dated 3rd OCT.2017

Product Code 6430-4161 - Modified New Tractor Loan Scheme (MNTLS)

Purpose To meet the cost of : Tractor & Accessories / Agri. Implements (including Insurance + Registration Charges)

Approved Models

Tr a c t o r models which have completed the Commercial Test form organizations Viz, • Central Farm Machinery Training and Testing Institute (CFMTTI), Budni (MP),• Farm Machinery Training and Testing Institute ( FMTTI), Hisar, (Haryana).

Target group• Existing farmers• New farmers• Good borrowers banking with other Banks.

Eligibility

• Individual Farmers or Group of individual farmers i.e Jt. Liability Groups(JLGs)/ Self Help Groups (SHGs).

• Individual Farmer or group of farmers/ institutions or organization which will have regular income either from farm activity or custom hiring of the tractor and accessories to be purchased.

• Minimum Land holding of 2.00 Acres.Nature of Facility Agri. Term Loan

Quantum of Loan

Cost of Tractor, Plus - Cost Accessories / Agri. Implements (As per approved dealer's Net Price Invoice)Plus - Insurance Premia and RTO Registration Charges Less - Magrin

Margin • 25% of Project Cost As above

(Cost. of Tractor ,Accessories, Implements + Insurance Premia & RTO Reg. Charges)

Assessment of Loan Limit

Based on • Crops grown by the farmers viz. Cropping Pattern & expected farm income.• Net Income expected from hiring of the Tractor.

( No. of hours hiring p.a. x Rate per hour - Maintainance cost of Tractor) • Minimum DSCR should be 1.5 : 1.• BMs/CPCs are permitted to waive this stipulation, provided Liquid

Securities are offered to the extent of 50% of the loan amount.

Rate of interest

As applicable from time to time• 1 Year MCLR + Spread. (Currently MCLR+ 3.30)• Int. Concession of 1% for prompt repayment to be provided in July every year,

based on installments paid between 1st July to 30 June of precessing year.• Penal interest @ 1% p.a.on overdue amount during irregularity period.• Penal interest @ 2% p.a. for failure to get the Tractor/Trolly registered within 1

Month, from date of delivery for period of delay.CPPD Cir Sl. No. 1384/2016-17, dated 19/01/2017 &CPPD Cir Sl. No. 1408/2016-17, dated 25/01/2017

Upfront fees 0.50 % of the Loan Amount

Page No. 32 of 90

Security

Loan Limit Up to Rs. 1.00 Lacs

PRIMARY Hypothecation of Assets created out of Bank Finance.

COLLATERAL - N i l -

Loan Limit Above Rs. 1.00 Lacs

PRIMARY Hypothecation of Assets created out of Bank Finance.

COLLATERAL

• Registered /Equitable Mortgage of land for Value not less than100% of the loan amount.

• In case, RM/EM, not possiable, IIIrd party Guarantee good for amount involved with prior permission of Controller.

Insurance • Comprehensive Insurance of Tractor, Accessories and Implements for full cost in the name of Borrower.

Discretionary Powers As per RBU LHO MUMBAI Cir . No. : 173 OF 2009-10, dated 13.03.2010

Repayment

• Maximum 5 Years.• Min. Rs. 1,000/- p.m. per lakh of loan limit from hiring income.• Negotiated installments may also be fixed for remaining Int. and Principal

amount• TL Installments should be synchroinizing with Cash flows/ Harvesting

Season for cultivated crops. Based on Total Scores awarded for paramater " Hiring Potential + % of Income from Allied Activities" under .Tractor Credit Scoring Model.vide ABU Cir 187 of 2018-19 dt 11th May 2018Hiring Potential + % of Income from Allied Activities

Loan Repayment Schedule

11 - 14 EMI covering Principal + Interest : Monthly

06 -10Interest : Rs.1000 / Lack of Outstanding Monthly Principal + Residual Interest, if any - Quly.

5 and belowInterest : Rs.1000 / Lack of Outstanding MonthlyPrincipal + Residual Interest, if any - Hly

TL installments are to be synchronized with Harvesting Season of cultivated Crops. Post dated cheques have to be obtained from the borrower for the EMI.

Relief Measures

Incase of crop failures due to natural clamaties; -TL installments are to be

▪ Re-scheduled / ▪ Converted in to Term Loan, repayable within 3 to 5 years.

RBI Master Cir No.RBI/2015-16/68, FIDD NO. FSD.BC.01/05.10.01/2015-16, dated 01/07/2015.

Page No. 33 of 90

Documentation

• KYC Documents• Application, Appraisal, Arrangement Letter.• AB1 - Agreement for Hypothecation.• AB2 - Deed of Guarantee• AB3 - Mortgage Deed.• Land Title Deeds, Land Revenue Receipts, TIR Reports to be obtained in Original.• Other relevant documents loaded in AGR LOS.

Disbursement Loan Amount + Margin Money amtout, directly to Dealers/Suppliers against Quotations.

Charge in RC Book

• Branches should get the lien noted in RC book as financer.• Braches should ensure by verifying the RC book within a period of 15

days from the date of disbursement of the loan or reported delivery of the tractor, that the registration of the tractor is done in the borrower’s name and the Bank’s lien noted therein is only as a ‘ Hypothecatee’ and not as joint owner.

• Penal interest @ 2% p.a. for failure to get the Tractor/Trolly registered within 1 Month, from date of delivery for period of delay.

• Branches to search Bank’s lien i n RC by login to website w w w . v ahan.nic.in as is being done in case of car loans or

• Verify by sending SMS to VAHAN (space) registration number to 7738299899.• Procedure for verif ication of lien is given in Cir Sl. No. 430 of 2015-16

dated 11 Apri. 2015 within 15 days of disbursement of loan.• Copy of RC book is to be kept with loan documents.

IRAC Norms

• Depending upon the Crops raised by the farmer.

Sr. No. Cropping PatternIRAC Norms

Instalment of Principal / Int. remains overdue for

1. * Short-Duration - #Mono 2 Crop Seasons2. Short-Duration - $Double 1 Crop Season3. ** Long Duration 1 Crop Season

* Short Duration - Crops which are not Long Duration.** Long Duration - @Crop Season longer than 1 Year.@ Crop Season- Period up to harvesting of crops raised; would be determined by SLBC.# Mono - Cultivating only 1 crop either in Kharif / Rabbi Season.$ Double - Cultivating 2 or more crops either in Kharif / Rabbi and Summer Season.

• For proper IRAC Classification, appropriate Crop Season values are to be updated in CBS

Spl. Features

• Validation of data base of PAN/CIBIL etc.CICs is Mandatory. • Sourcing Channels - Branch / Tractor Dealers / BC / CSP• To be processed through Agri. LOS only.• Incentive for Dealer and Dealer Sales Executives for business sourced by

them.

Dealers 0.50 % of Loan Amount on the successful business sourced by dealers.Sales Executives

0.25 % of Loan Amount on the Loan Applications Sourced

Maximum Rs. 3000/-

• The incentive will be paid after the lien is noted in favour of Bank in RC book of tractor.

• KYC of Sales Executires to be obtained from Dealers and held on record.

Page No. 34 of 90

Monitoring Follow up &Recovery

• Post Sanction Inspections at Half yearly Intervals. • Contact details of borrower(s) including Mobile Nos., e-mail Ids should be

obtained and updated in CBS without fail.• Each borrower to be immediately contacted/visited on default in repayment of

Prin./Inst.• Any irregularity in the account, has to be brought to the notice of officer one

step above the official.• Intimations through SMS, well in advance for timely repayment.• Regular Tele calling for defaulters.• Notices to be served in the 1st Week of default.• Borrowers to be contacted personally if loan account remains irregular for 30 days.• In case, 3 EMIs are in default, may be handed over to Recovery Agents for

seizure of Tractor.• Recovery proceedings through : Compromise, Lok Adalat, Legal route should be

initiated.

References

Sr.No

Topic Cir Sl. No.

1 Master Circular ABU Master Cir Sl No 748 of 2017-18 dated 3rd OCT.2017

2. Product Features Master Cir Sl No 748 of 2017-18 dated 3rd OCT.2017 Annex-I

3. Credit Scoring Model ABU Cir 187 of 2018-19 dt 11th May 2018Tractor Credit Scoring Model.

4 SOP Master Cir Sl No 748 of 2017-18 dated 3rd OCT.2017 Annex-II

5 Discretionary Powers RBU LHO MUMBAI Cir . No. : 173 OF 2009-10, dated 13.03.2010 .

6 Tractor Finance-Master Cir ABU Master Cir Sl. No. : 787/2008 - 09 dt 31 March 2009.

7 Hyp. Charge in RC Book PBU Cir Sl. No. 430 of 2015-16 dated 11 Apri. 2015

8 Relief Measures RBI Master Cir No.RBI/2015-16/68, FIDD NO. FSD.BC.01/05.10.01/2015-16, dated 01/07/2015.

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Stree Shakti TRACTOR LOAN SSTL-With Collateral - Master Cir Sl. No 749 of 2017-18 dated 3rd Oct.2017

SSTL - Without Collateral - Master Cir Sl. No. 752, dt 3 OCT.2017.pdf

Product Code 6430 - 4163 : Stree Shakti Tractor Loan (SSTL) With Collateral

6430 - 4162 : Stree Shakti Tractor Loan (SSTL) Without Collateral

Purpose To meet the cost of Tractor , Accessories / Agri. Implements (Inclusing Insurance Premia + Registration Charges)

Approved ModelsT r a c t o r models which have completed the Commercial Test form organizations Viz,

• Central Farm Machinery Training and Testing Institute (CFMTTI), Budni (MP),• Farm Machinery Training and Testing Institute ( FMTTI), Hisar, (Haryana).

Target Group • Existing Farmers• New Farmers• Good borrowers banking with other Banks.

Eligibility

• Loan can be sanctioned with Women as Co-borrower.• Women Co-Borrower should be from list of relatives, specified by Bank.• Minimum Land holding of 2.00 Acres in the name of borrower.• Minimum Net Annual Income of the Borrower(s) is Rs. 1.50 Lacs from farm activity /

custom hiring / other sources.• Income of the co-borrower(s) may be reckoned for arriving at Net Annual Income.• The Borrower(s) should has 6 months old SB account with the Bank.

EMI/NMI • Not to exceed 60 %.

Nature of Facility Agri. Term Loan

Quantum of Loan

Total Cost of Tractor, Plus - Accessories / Agri. Implements (As per approved dealer's Net Price Invoice)Plus - Insurance Premia and RTO Registration Charges Less - Magrin

• No Ceiling for Minimum or Maximum loan amount.

Margin

• 10 % (Cost. of Tractor ,Accessories, Implements + Insurance Premia & RTO Reg. Charges)

• Tractor - 25 % to 50 %• Agri. Implements - 50 %

Assessment of Limit

Based on • Cropping Pattern viz Crops grown by the farmers & expected farm income.• Net Income expected from hiring of the Tractor.

( No. of hours hiring p.a. x Rate per hour - Maintainance cost of Tractor) • Minimum DSCR should be 1.5 : 1.• BMs/CPCs are permitted to waive this stipulation, provided Liquid

Securities are offered to the extent of 50% of the loan amount.Rate of interest As applicable from time to time

• MCLR + Spread. (Currently MCLR+3.10)• Penal interest @ 1% p.a. during

irregularity period.

Linked to MarginMargin Int. Rate / p.a.

1 25 % 1 Year MCLR + 3.20 %

2 40 % 1 Year MCLR + 3.10 %

3 50 % 1 Year MCLR + 3.00 %

Page No. 36 of 90

• Penal interest @ 2% p.a. for failure to get the Tractor/Trolly registered within 1 Month, from date of delivery for period of delay.CPPD Cir Sl. No. 1384/2016-17, dated 19/01/2017 & CPPD Cir Sl. No. 1408/2016-17, dated 25/01/2017

Upfront fees 0.50 % of the Loan Amount 1.25 % of the Loan Amount

Security

PRIM. • Hypothecation of Assets created out of Bank Finance, Tractor, Accessories / Farm Equipments etc.

COLL.

• 30 % of loan amount in the form of TDRs/NSCs/Gold Ornaments.

• Noting of Bank's Hyp. Charge with RTO

• No Collateral Security.• Noting of Bank's HYP. Charge with RTO

• 6 PDC / ECS to be obtained

Insurance • Comprehensive Insurance of full cost of Tractor, Accessories and Implements for full cost in the name of Borrower, till the loan is repaid in full.

Discretionary Powers

• As per RBU LHO MUMBAI Cir . No. : 173 OF 2009-10, dated 13.03.2010 • Proposals with Credit Score of 40 & below should not be considered.

Credit Scoring Models

• It will serve as credit decision tool.

Sr. No.

Credit Score Decision

1 56 & Above Good Loans, can be sanctioned

2 40 to 55 To be referred to next higher authority for sanction

3 Less than 40 Should not be considered for sanction.

Repayment

• EMIs - 48 (Maximum)• Moratorium - 1 Month

• EMIs - 36 (Maximum)• Moratorium - 1 Month

• EMI/NMI should not exceed 60 %• Through SI/ECS/6 PDCs to be obtained for the EMIs

TAT 3 Days after receipt all required documents.

Relief Measures

Incase of crop failures due to natural clamaties; -TL installments are to be

▪ Re-scheduled / ▪ Converted in to Term Loan, repayable within 3 to 5 years.

RBI Master Cir No.RBI/2015-16/68, FIDD NO. FSD.BC.01/05.10.01/2015-16,dt. 01/07/2015.

Documentation

• AB2 - Deed of Guarantee• AB3 - Mortgage Deed.• Land Title Deeds, Land Revenue

Receipts, TIR Reports to be obtained in Original.

--No Collateral : Not Applicable--

• KYC Documents• Application, Appraisal, Arrangement Letter.• AB1 - Agreement for Hypothecation.• Other relevant documents loaded in AGR LOS.

Disbursement Loan Amount + Margin Money amtout, directly to Dealers/Suppliers against Quotations.

Page No. 37 of 90

Charge in RC Book

• Braches should ensure by verifying the RC book within a period of 15 days from the date of disbursement of the loan or reported delivery of the tractor, that the registration of the tractor is done in the borrower’s name and the Bank’s lien noted therein is only as a ‘ Hypothecatee’ and not as joint owner.

• Penal interest @ 2% p.a. for failure to get the Tractor/Trolly registered within 1 Month, from date of delivery for period of delay.

• Branches to search Bank’s lien on RC by login to website w w w. v ahan.nic.in as is being done in case of car loans or

• Verify by sending SMS to VAHAN (space) registration number to 7738299899.• Procedure for verification of lien is given in e-Circular No.430/2015-16 dated

11.04.2015 within 15 days of disbursement of loan.

IRAC Norms

• Depending upon the Crops raised by the farmer.

Sr. No. Cropping PatternIRAC Norms

Instalment of Principal / Int. remains overdue for

1. * Short-Duration - #Mono 2 Crop Seasons2. Short-Duration - $Double 1 Crop Season3. ** Long Duration 1 Crop Season

• * Short Duration - Crops which are not Long Duration.• ** Long Duration - @Crop Season longer than 1 Year.• @ Crop Season- Period up to harvesting of crops raised; would be determined by

SLBC.• # Mono - Cultivating only 1 crop either in Kharif / Rabbi Season.• $ Double - Cultivating 2 or more crops either in Kharif / Rabbi and Summer

Season.• For proper IRAC Classification, appropriate Crop Season

Spl. Features

• Validation of data base of PAN/CIBIL etc.CICs is Mandatory. • Sourcing Channels - Branch / Tractor Dealers / BC / CSP• To be processed through AGRI. LOS only.• Sanctioned on the basis of Tractor Credit Scoring Model.• The parameters namely, Liquid security as a % of loan and collateral security as % of

loan shall be normalized.• Score for SSTL (without collateral) = (48 X 100) / 88 = 56.8• Score for SSTL (with collateral) = (53 X 100) / 94 = 56.3 • Incentive for Dealer and Dealer Sales Executives for business sourced by them•

Dealers 0.50 % of Loan Amount on the successful business sourced by dealers.

Sales Executives

0.25 % of Loan Amount on the Loan Applications Sourced Max. Rs. 3000/-

• Incentive will be paid after Noting of Bank's Lien in RC Book of Tractor /Trolly Financed.• KYC of Sales Executires to be obtained from Dealers and held on record.• ABU Cir. 597 of 2015-16, dt. 12.08.2015.

Monitoring, Follow Up & Recovery.

• Post Sanction Inspections at Half yearly Intervals. • Contact details of borrower(s) including Mobile Nos., e-mail Ids should be obtained

and updated in CBS without fail.• Each borrower to be immediately contacted/visited on default in repayment of

Page No. 38 of 90

Prin./Inst.• Any irregularity in the account, has to be brought to the notice of officer one step

above the official.• Intimations through SMS, well in advance for timely repayment.• Regular Tele calling for defaulters.• Notices to be served in the 1st Week of default.• Borrowers to be contacted personally if loan account remains irregular for 30 days.• In case, 3 EMIs are in default, may be handed over to Recovery Agents for

seizure of Tractor.

• Recovery proceedings through : Compromise, Lok Adalat, Legal route should be initiated.

References

Sr. No

Topic Cir Sl. No.

SSTL - With Collateral SSTL - Without Collateral

1 Master Circular Master Cir Sl. No 749 of 2017-18 dated 3rd Oct.2017

Master Cir Sl. No. 752 of 2017-18 dt 3 OCT.2017

2. Product Features Master Cir Sl. No 749 of 2017-18 dated 3rd Oct.2017 Annexure1

Master Cir Sl. No. 752 of 2017-18, dt 3 OCT.2017 Annexure I

3. Credit Scoring Model ABU Cir 187 of 2018-19 dt 11th May 2018Tractor Credit Scoring Model.

ABU Cir 187 of 2018-19 dt 11th May 2018Tractor Credit Scoring Model.

4 SOP Master Cir Sl. No 749 of 2017-18 dated 3rd Oct.2017 Annexure-II

Master Cir Sl. No. 752 of 2017-18, dt 3 OCT.2017 Annexure - II

5 Discretionary Powers RBU LHO MUMBAI Cir . No. : 173 OF 2009-10, dated 13.03.2010 .

6 Tractor Fin.-Master Cir ABU Master Cir Sl. No. : 787/2008 - 09 dt 31 March 2009.

7 Hyp.Charge in RC Book

PBU Cir Sl. No. 430 of 2015-16 dated 11 Apri. 2015

8 Relief Measures RBI Master Cir No.RBI/2015-16/68, FIDD NO. FSD.BC.01/05.10.01/2015-16, dated 01/07/2015.

9 Dealer Incentives ABU Cir. 597 of 2015-16, dt. 12.08.2015.

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Page No. 39 of 90

Citrus Cultivation Model Profile of 1.0 hector

1. Introduction

In India, in terms of area under cultivation, citrus is the third largest fruit crop after Banana and Mango. The average yield of citrus fruits in India is alarmingly low (8.8 t/ha) compared to other developed countries like Indonesia, Turkey, Brazil and USA (22-35 t/ha). Among mandarins, Nagpur mandarin (Central India), Kinnow mandarin (North–West India), Coorg mandarin (South India) and Khasi mandarin (North-East India) are the commercial cultivars of India. Whereas, Mosambi (Maharashtra), Sathgudi (Andhra Pradesh) and Malta and Jaffa (Punjab) are the sweet orange cultivars traditionally grown. 2. Scope for Citrus Cultivation and its National Importance

Citrus cultivation in India is plagued with various problems due to limiting growing conditions, limiting water resources and high incidence of pests and diseases warranting great care from planting

till the plants come to bearing in order to sustain a productive life of a minimum of 15-20 years. There is growing interest/awareness among the citrus growers for adoption of latest technologies for commercial cultivation of citrus. The National Research Centre (NRC) for Citrus (ICAR), Nagpur has come out with the package of practices for citrus cultivation in different regions of the country.

In the present bankable project on citrus, recommendations of the NRC for Citrus and the

views of the citrus growers and their experience has been taken into consideration.

Important States producing major citrus fruits in India

Sr. No.

Name of the Citrus fruit States Name of the Citrus fruit

1 Sweet orange Punjab,Rajasthan, Uttar Pradesh Pineapple, Jaffa, Hamlin, Valencia, Late Campbell Valencia

2 Mandarin

Maharashtra Nagpur mandarin Madhya Pradesh, A.P., North Eastern region, Punjab, Rajasthan, U.P., West Bengal and Sikkim

Nagpur mandarin Khasi mandarin Kinnow, Nagpur mandarin and local Darjeeling mandarin

Karnataka and Tamilnadu Coorg mandarin

3 Acid lime Andhra Pradesh, Rajasthan, Karnataka, Uttar Pradesh, Gujarat, Madhya Pradesh, Maharashtra

Andhra Pradesh, Rajasthan, Karnataka, Uttar Pradesh, Gujarat, Madhya Pradesh, Maharashtra

4 Grapefruit Andhra Pradesh PKM (Jayadevi)

5 Lemon

Gujarat, Andhra Pradesh, U.P. Assam Eureka Hill, Galgal Assam lemon

Karnataka Baramasi, Nepali oblong, Italian lemon, Lisbon lemon, Eureka lemon, Seville

6 Pummelo Andhra Pradesh, Assam, NEH Red fleshed, White fleshed

Page No. 40 of 90

3. Technical Requirements of Citrus Cultivation 3.1 Climate

Citrus fruits in India are cultivated under varied agro-ecological conditions right from arid and semiarid areas of southwest region to humid tropical climate of northeast India. Citrus trees are evergreen, grown in truly subtropical climates of the world although in tropical regions of the world they tend to produce cyclic growth flushes and hence regulating cropping in tropical areas for forcing them into concentrated bloom needs judicious management of water deficit stress according to soil type and growing season. Citrus fruits grow best between a temperature range of 130C to 370C. Temperatures below – 40C are harmful for the young plants. Soil temperature around 250C seems to be optimum for root growth. High humidity favours spread of many diseases. Frost is highly injurious. Hot wind during summer results in desiccation and drop of flowers and developing fruits. Barring these limitations citrus is grown in all subtropical and tropical areas of the world. The sub-tropical climate is best suited for citrus growth and development. Khasi and Darjeeling mandarins are grown in high altitudes upto 2000 m as it is adapted to a cooler climate.

3.2 Soil Citrus plants are grown in a wide range of soils ranging from sandy loam or alluvial soils of north India to clay loam or deep clay loam or lateritic/acidic soils in the Deccan plateau and north-eastern hills. Citrus orchards flourish well in light soils with good drainage properties. Deep soils with pH range of 5.5 to 7.5 are considered ideal. However, they can also be grown in a pH range of 4.0 to 9.0. High calcium carbonate concentration in feeder root zone may adversely affect the growth.

3.3 Planting Material Availability of quality planting material is of utmost importance in citrus cultivation. Citrus plants are very sensitive to various biotic and abiotic stresses. Therefore selection of an ideal rootstock is a continuing challenge for the citrus industry of India. Currently used rootstocks viz. rough lemon and Rangpur lime have gone through a lot of variation over the last five decades. Therefore ideal selections developed from the conventional rootstocks by National Research Centre for Citrus (NRCC), Nagpur and at other places under State Agriculture Universities may be obtained for propagating quality planting material. For budwood selection, disease free mother plants developed from the elite progeny of known pedigree through shoot tip grafting method available at NRCC, Nagpur may only be used. Primary nursery beds are prepared on light fertile soils or in the HDPE trays under shade net structures. Selection of nucellar seedlings is done by eliminating weak seedlings, off types and non uniform seedlings in 2-3 stages in the nursery beds. Secondary nursery seedlings may be raised in polythene bags also as they become ready for plantation in the main field after attaining the height of about 30-40 cm after one year.

3.4 Land preparation Land needs to be thoroughly ploughed and levelled. In hilly areas, planting is done on terraces against the slopes and on such lands, high density planting is possible as more aerial space is available than in flat lands. Since citrus trees are highly sensitive to water logging and water stagnation during rainy season providing drainage channels of 3-4 feet depth along the slopes around the orchard is essential.

Page No. 41 of 90

3.5 Plant density Sr. No.

Crop Normal spacing Plant population

1 Mandarin (Citrus reticulata Blanco) 6 m x 6 m 277 per ha

2 Sweet orange (Citrus sinensis Osbeck) 5 m x 5 m, 5.5 x 5.5 m 400/330 per ha

3 Limes/lemons (Citrus aurantifolia Swingle & Citrus limon)

6 x 6 m / 5 x 5 m 277/400 per ha

In light soils, spacing will be 4.5 x 4.5 m or 5 x 5 m

3.6 Planting The best season of planting is June to August. Pits of the size of 1m x 1m x 1m may be dug for planting seedlings. 15-20 kg of FYM and 500 g of super phosphate is applied per pit while planting. With good irrigation system, planting can be done in other months also.

3.7 Irrigation Citrus requires critical stage watering in the initial year. It further reduces fruit drop and increases the fruit size. Diseases like root rot and collar rot occur in flooded conditions. Light irrigation with high frequency is beneficial. Irrigation water containing more than 1000 ppm salts is injurious. Quantity of water and frequency of irrigation depends on the soil texture and growth stage. Micro irrigation systems not only saves water and nutrients but also ensure good retention of fruits during crucial stages of crop growth in March – April even in situations where water is not a limitation.

3.8 Manures & fertilizers Manuring is done in three equal doses three times in a year in February, June and September.

The Year - wise recommended Farm Yard Manure (FYM) requirement is as below

(Kg /plant/year)

FYM I Yr II Yr III Yr IV Yr V Yr VI Yr VII Yr onwards

Kg/plant 20 10 15 20 25 30 4 The Year - wise recommended various nutrients is as below (Grms/Plant/Year):-

Nutrient I Yr II Yr III Yr IV Yr V Yr VI Yr onwards

Nitrogen 100 200 300 400 450 500Phosphorus 50 100 150 200 200 250

Potash 25 50 75 200 200 250ZNSO4 25 25 50 50 100 150FeSO4 25 25 50 50 100 150MnSO4 25 25 50 50 100 150

One or two sprays of micro nutrient mixtures if required may be given

Page No. 42 of 90

3.9 Interculture

Ploughing, spading of basins, weed control, etc., are important inter-culture operations for soil aeration and health. Chemical control of weeds with pre-emergence weedicides like diuron (3 Kg/ha), simazine (4 Kg/ha), glyphosate 4 l/ha, paraquat (2 l/ha), etc. may also be adopted.

3.10 Intercrops

Leguminous crops like soybean, gram, groundnut, cow peas, french bean, peas etc., may be grown in citrus orchards. Intercropping is advisable during the initial three-four years after planting.

3.11 Training and Pruning In order to allow the growth of a strong trunk, initially shoots upto 40-50 cm from the ground level should be removed. The centre of the plant should remain open. Branches should be well distributed to all sides. Cross twigs and water suckers are to be removed early. The bearing trees require little or no pruning. All diseased, injured and drooping branches and dead wood are to be removed periodically.

3.12 Pests and Diseases Management 3.12.1 Pests

Important insect-pests of citrus are citrus black fly and whitefly, citrus psylla, Citrus thrips, leaf miner, scale insects, bark eating caterpillar/trunk borer, fruit fly, fruit sucking moth, mites, etc. Other pests attacking citrus particularly mandarin orange, specially in humid climate are mealy bug, nematode, etc. Control measures of major pests are indicated below:

Insect-Pests Control Measures Periodicity

Leaf minerFoliar sprays either with quinalphos 1.25 ml or fenvalerate 0.5 ml or monocrotophos 1.0 ml/litre of water

Weekly intervals on new flush as soon as infestation is noticed.

Citrus black fly and white fly

One spray against adults and two at 50% egg hatching stage either with acephate 1.25 g or quinalphos 1.5 ml or imidacloprid 0.5 ml/ litre of water.

(I half of April & Dec. and II fortnight of July) at 15 days interval.

Citrus psyllaFoliar spray either with quinalphos 1.0 ml or acephate 1.0 g or monocrotophos 0.5 ml/litre of water

At bud burst stage or as and when infestation is noticed during Feb, - Mar., Jun., - Jul. & Oct, - Nov.

Citrus thrips Foliar spray either with dimethoate 1.5 ml or monocrotophos 1 ml /litre of water

At bud burst stage and berry size fruits.

Scale insectsSpraying of parathion (0.03%) emulsion, dimethoate 150 ml and 250 ml kerosene oil in 100 litre of water or malathion @ 0.1 % or carbaryl @ 0.05% plus oil 1%.

Trunk borer Swabbing of tunnel either with dichlorvos (0.1%) or carbaryl (1%) or monocrotophos (0.02%) kills the grub effectively.

Bark eating caterpillar

Plugging of larval tunnels with cotton wad soaked either in dichlorvos (0.1%) or carbaryl (1%) or monocrotophos (0.01%) effectively checks the pest.

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3.12.2 Diseases The important diseases of citrus are Phytophthora gummosis, citrus tristeza virus, citrus greening (HLB-Huang Long Bing), citrus canker, powdery mildew, anthracnose, etc. Control measures of these diseases are stated briefly below:

Diseases Control Measures Frequency

Phytophthora Gummosis

Scraping of the affected area and application of Bordeaux paste or copper oxifluoride paste or ridomil + carbendazim.

Citrus greening (HLB--Huang Long Bing)

Removal of infected branches/unproductive trees and their replacement by disease-free plants. Application of ledermycin 600 ppm with ZnSO4 and FeSO4.Meticulous control of citrus psylla vector.

Citrus tristeza virus Control of aphids and use of cross protected grafts and shoot tip grafted plants or disease free grafts

Citrus canker Cutting of infected twigs followed by spraying of 1 % Bordeaux mixture or copper fungicide. Foliar spray application of 100 ppm streptomycin sulphate is also effective.

Powdery mildew Pruning of dead twigs followed by foliar spray of wettable sulphur @ 2 g/litre, copper oxychloride @ 3 g/litre of water

In April and October.

Anthracnose Pruning of dead twigs followed by two foliar sprays of carbendazim @ 1 g/litre or copper oxychloride - 3 g/litre

At fortnightly interval.

3.13 Harvesting There are two main crops in mandarins and sweet oranges.

Crop Flowring Months Harvesting months

Ambiabahar (mango flowering)

January (at the time of flowering of mango hence the name Ambia)

October-December

Mrigbahar (Monsoon bloom) June-July February-

April

Crop Type Maturity. Harvesting

Mandarins & Sweet Oranges

240-280 days

Colour break stage.Picked up in 2 - 3 intervals of 10-15 days.

Limes & Lemons 150-160 days 2 or 3 crops in a year

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3.14 Yield

Crop Yield Commencement Yield/ Plant Stabilisation Average Yield / plant

(after stabilisation)

Mandarin 5th year 50 fruits 8th year 700-800

Sweet Orange 5th year 40-50 fruits 8th year 500-600

Lime/ Lemon 3rd year 50-60 fruits 8th year 1000-1500

Economic life of plantation: 15 to 25 years

3.15 Post-harvest management The storage conditions for various citrus fruits are as under:

Crop Type Storge Temperature Humiditi Storage Period

Mandarins 5- 7°C 85-90 % RH 4-8 weeks.

Sweet oranges 7-8°C 85-90% RH 4-8 weeks.

Lime/Lemon 9-10oC 80-90% RH 6-8 weeks

• For imparting uniform yellow-orange colour to the fruits application of ethephon @ 250 ppm along with 1 % calcium acetate as foliar spray at maturity stage is recommended.

• Sweet oranges and mandarins may be treated with ethylene gas for de-greening and development of colour.

• A temperature of 6-7°C, 5-10 ppm of ethylene and 90-95% RH in a de-greening chamber can set a change in colour in about 48 hours.

• The cold storage conditions for long term storage for different citrus fruits are available.

• Pre-cooling of citrus is done by forced air system.

• Oranges may be packed in well ventilated CFB boxes - 30 cm x 30cm x 30 cm.

• Limes are subjected to pitting after storage at temperature below 7°C.

• Waxing treatment further reduces moisture loss extends shelf life in all citrus fruits.

3.16 Marketing Citrus fruits being perishable in nature need to be handled delicately and hygienically. Sweet oranges, limes and lemons remain fresh under ambient conditions and hence can be transported to distant places for marketing. More care and attention is required for mandarins during handling and transport.

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4. Financial viability and Bankability : Techno-economic parameters for the model project

TECHNO-ECONOMIC PARAMETERS FOR THE MODEL PROJECT

Spacing 6 m x 6 m Variety Nagpur MandarinPlanting Material GraftsPlant Population (plants/ha) 275Land preparation (Rs./ha) 2500Labour (Rs./manday) 200Planting material (Rs./plant) 30Farm Yard Manure (Rs./MT) 1200Urea (Rs./kg) 5.7Single Super Phosphate (Rs./kg) 5.8Muriate of Potash(Rs./kg) 16.6Plant protection material (Rs./litre) 350Sale price of Nagpur Mandarin (Rs./kg) 8

4.1 Project Cost :In the present model, the unit cost of development of Mandarin in 1 hectare of land has been presented. This may be modified to suit other types of citrus fruits taking into account the local conditions, techno-economic parameters stated elsewhere and the prevailing wage rate as per the minimum wage act of the concerned state. Unit cost in the model works out to Rs. 1,40,700/- per hectare spread over a period of five years. The detail cost of development of mandarin orange is given below.

ItmesY e a r

Total1st 2nd 3rd 4th 5th

Land preparation 2500 0 0 0 0 2500Digging and filling up of pits 4000 0 0 0 0 4000Plant material 9060 9060Planting and staking 2000 2000Cost of FYM 7200 3600 4800 6000 9600 31200Cost of fertilizers 1030 2090 3020 4750 4920 15810Manures & fertilizers application 2000 3000 3000 3000 4000 15000Irrigation 2000 4000 4000 5000 6000 21000Plant protection measures 1750 1750 1750 3500 3500 12250Appl. of plant protection 400 1200 1200 1600 1600 6000Interculture 2000 3000 4000 4000 5000 18000Harvesting 0 0 0 0 4000 4000TOTAL 33890 18630 21760 27840 38610 140730Rounded off 33900 18600 21800 27800 38600 140700Margin Money 14100 Bank Loan 126600

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4.2 Margin Money The margin money / down payment prescribed are 5 %, 10 % and 15% for small, medium and other farmers respectively. The rest of the investment cost will be provided as bank loan. However, in the present model, 10 % of the unit cost i.e. Rs.14100/ha has been considered as margin money.

4.3 Bank Loan Bank loan of 85 – 95 % of the total cost of development shall be available from the financing institution. Bank loan considered in the model is 90%. It works out to Rs.126600/ha in the model.

4.4 Rate of Interest The rate of interest to be charged to the ultimate borrower would be guided by RBI guidelines issued from time to time. However, the lending rate has been considered as 12 % for working out the bankability of the model project.

4.5 Security Banks are guided by RBI guidelines issued from time to time in this regard.

4.6 Financial Analysis Financial analysis was carried out for one hectare of citrus cultivation. For financial analysis, the income was assessed on a conservative basis. The detailed calculation of project’s income and expenditure has been indicated in Income – Expenditure Statement

ItemsY e a r

5 6 7 8 9 10 11 12Yield (kg per plant ) 10 30 50 60 70 80 80 80Yield (kg per ha) 2750 8250 13750 16500 19250 22000 22000 22000Income (A) 22000 66000 11000 132000 154000 176000 176000 176000Cost of FYM 4000 4000 4000 4000 4000 4000 4000 4000Cost of fertilizers 5463 5463 5463 5463 5463 5463 5463 5463Manures & fertilizers application 4000 4000 4000 4000 4000 4000 4000 4000

Irrigation 6000 6000 6000 6000 6000 6000 6000 6000Plant protection measures 3500 3500 3500 3500 3500 3500 3500 3500

Appl. of plant protection 1600 1600 1600 1600 1600 1600 1600 1600

Interculture 5000 5000 5000 5000 5000 5000 5000 5000 Harvesting 4000 4000 4000 4000 4000 4000 4000 4000TOTAL Expenditure 33553 34553 34553 34553 34553 34553 34553 34553Rounded off (B) 34000 35000 35000 35000 35000 35000 35000 35000Surplus(A-B) -12000 31000 75000 97000 119000 141000 141000 141000

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IRR, NPW and BCR :

ItemsY e a r

1 2 3 4 5 6 7 8 9 10 11 12

Cost of investment 33900 18600 21800 27800 38600 0 0 0 0 0 0 0

Maintenance cost 0 0 0 0 0 35000 35000 35000 35000 35000 35000 35000

Total cost 33900 18600 21800 27800 38600 35000 35000 35000 35000 35000 35000 35000

Benefits 0 0 0 0 22000 66000 110000 132000 154000 176000 176000 176000

Net Benefit -33900 -18600 -21800 -27800 -16600 31000 75000 97000 119000 141000 141000 141000

D F at 15% 0.870 0.756 0.658 0.575 0.497 0.432 0.375 0.327 0.284 0.247 0.215 0.187

Disc. Cost 29493 14096 14344 15902 19181 15120 13128 11445 9440 9645 7525 6545

Disc. Benefits 0 0 0 0 10934 28512 41250 43164 43736 43472 37840 32912

Net discounted benefits

-29493 -14062 -14344 -15902 -8250 13392 28125 31719 33796 34827 30315 26367

NPW 176556

BCR 1.98

IRR 34.11

4.7 Repayment period of loan Based on the cash flow the repayment period works out to nine years including four years grace period for repayment of principal. Detailed repayment schedule has been worked out as below :-

Year

Loan O/s at the beginning of the year

Interest@12.0%

Gross surplus

Repayment Total

outgoingNet Surplus

Loan O/s at the end of the year Principal Interest

1 30510 3661 10000 0 3661 0 3661 02 47250 5670 10000 0 5670 0 5670 03 66870 8024 10000 0 8024 0 5670 04 91890 11027 10000 0 11027 0 11027 05 126630 15196 22000 3000 15196 0 18196 38046 123630 14836 31000 8000 14836 0 22836 81647 115630 13876 75000 30000 13876 0 43876 311248 85630 10276 97000 40000 10276 0 50276 467249 45630 5476 119000 45630 5476 0 51106 67894

* Interest during first four years would be met out of inter crop.* Ensure that, interest application is considing with Harvesting Season* Ensure that installment due date and frequency is considing with Harvesting Season.

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Minor Irrigation Introduction :Our country with a geographical area of 329 million hectors, receives 1about 170 mm or average 125 cms of rainfall. About 80% rainfall is received during manson season only and there is great regional variation in the distribution of the rainfall. In areas of western ghats and sub-himilayan areas in North East it is more than 200 Cms, where as in areas of Western Rajasthan, Deccan Plateau is less than 20 Cms. Rainfall is erratic and unpredictable. It is a matter of fact that, whatever rainfall is there, it can't be utilised for cultivation of crops to it's full potential for the following reasons :-

Runoff to Sea - 35 %Surface Flow - 15 %Ground Water - 10 %Sarface Water etc. - 05%

As the water is most essential component for crop production, farmers are exploiting the ground water resources. In this situation even if, the full potential of rgound water is exploited, irrigation about 50 % of cultivated are will continue to be rainfed.

When adequate of water is not available either due to low rainfall or uneven distribution during the crop season, additional water has to be supplied. This "Artificial application of water in the filds to maintain soil mosture is called irrigation".Benefits of Irrigation : The major benefits of Irrigation can be listed as below :-

• Increase in yield and production.• Intensive Cultivation of crops.• Extensive Cultivation of Crops• Improvement of Quality of crop production. • More cropping area etc.

Types of Irrigation Projects :The area benefited by irrigation project is known as command area. Based on the amount of command area, Irrigation Projects can be classified in to :-

Sr. No. Type Command Area

1 Major Project 10000 Hectors and above2 Medium Project 2000 to 10000 Hectors3 Minor Irrigation Project Less than 2000 Hectors.

Usually Major and Medium Projects are funded and undertaken by Govt. due to heavy amount of funds envolment. However, Bank's are financing for Minor Irrigation projects to individual borrowers as well as group of borrowers.Minor Irrigation Activities :

• Dug Well / Bore Well / Tuble Well/ Farm pounds (New/Repairs/Deepening).• Pump sets / Oil Engines / Solar Photovoltaic Pump sets / Pipe Lines/ Lift Irrigation.• Systems.Micro Irrigation viz. Sprinkler / Drip Irrigation. /Solar Pumpsetc etc. Home

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Model Minor IrrigationMaster Cir.- Minor Irrg. Sl. No. 239/2009-10, dated 16.09.2009

Purpose To Finance any activity related to irrigating land / improve efficiency of Irrigation for better crop production, which will improve economical status of the farmer.

Target Group Our Existing / New Medium and Large Farmers.Good Borrowers banking with other Banks.

Eligibility Any person engaged in Agri. activity, owning the cultivation land.Nature of Facility Agri. Term Loan

Activities Financed

Major Direct Finance activities are :-• Dug Well / Repairs to Well / Bore Well / Tube Well / Water Storage

Ponds • Pump sets / Oil Engines / Solar Photovoltaic Pump sets / Pipe Lines.• Micro Irrigation viz. Sprinkler / Drip Irrigation.

Project Cost As per assessment o Bank's Technical Officer / RMRO. / NABARD Guide Lines.

Quantum of Loan

Total Project / Scheme CostLess : MarginLess : Subsidy (if any) = Bank Loan.

Assessment of limit The need based assessment for the required credit limits has to be carried out on the basis of proposed activity.

Margin 15 to 25 % of Project Cost.

LTV Ratio 65 %

Security

Movable Assets Credted e.g. Pumpsets, Ele. Motors etc.

Loan Up to Rs. 1,00,000/- Loan Above Rs. 1,00,000/-

Prim. Hyp. of Movable Assets created out of Bank Finance

Coll. - N I L - Mortgage of / Charge on Land

Movable Assets NOT Credted e.g. Wells, Ponds, Tanks etc.

Loan Up to Rs. 1,00,000/- Loan Above Rs. 1,00,000/-

Prim.• DP Note• DP Note Delivery Letter• Loan Agreement

Coll. - N I L - Mortgage of / Charge on Land

Processing Fees As applicable to ATLs

Repayment

Gestation Period

• 23 Months as per NABARD guidelines• In case of Drip / Sprinkler as short gestation, up to

harvesting / marketing of (First Post Development Crop.)

Period

5 to 13 Years depending upon Cash Flow and DSCR.1st Installment will due on harvesting / marketing (of First Post Development Crop.) ORAs per NABARD Guidelines.

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Rate of interest

Loans up to Rs. 25.00 lacs 1 Year MCLR (Floating) + SpreadLoans of above Rs.25.00 lacs Linked to CRA Rating

• Penal Interest of 1% over & above the applicable int. for balance outstanding, if overdue more than 30 days.

• CPPD Cir Sl. No. 1384/2016-17, dated 19/01/2017 &• CPPD Cir Sl. No. 1408/2016-17, dated 25/01/2017

Int. to be applied on Due Date of TL Installments, coinsiding with Harvesting Season of major crops cultivated by the farmers.

Documents to be obtained

• KYC documents• Application for ATL AGL 1/1 & Annexure AGL 1/6• Arrangement Letter, duly acknowledged by borrower.• Demand Promissory Note• DP Note delivery letter.• AB-1 : Hypothecation Agreement• AB-2 : Deed of Guarantee (wherever applicable)• AB-3 : Mortgage Deed /Charge on Land (wherever applicable)• Original Title Deeds of the property along with TAX Receipts.• TIR & property Valuation Report.(wherever applicable)

Inspection Half Yearly

Discretionary Powers

As per the delegation of Financial Powers vide OPD Cir Sl. No. : 881/2016 - 17 dated 04th OCT.2016 . Loans above Rs. 25.00 Lacs, to be sanctioned on the basis of Credit Scoring Model vide ABU Cir 187 of 2018-19 dt 11th May 2018 applicable to proposed activity.

Disbursement

Plant & Mechinery & movable Assets Directly to vendors/suppliers

Immovable Assets May be disbursed to borrower after confirming end use.

Insurance For full value of Assets anf Stocks under Pledge/ Hypothecation.

Natural Calamities

• Re-scheduling / Conversion of TL Installments and Interest due during the year of Natural calamity.

• Re-Phasement of future installments.SBI Master Cir - Relief Measures Sl.No.133/2009-10 dated 02.06.2009RBI Master Cir - Relief Measures dated 01/07/2015.

Special Features • To be processed through LOS only.

Reference

Master Cir.- Minor Irrg. Sl. No. 239/2009-10, dated 16.09.2009SBI Master Cir - Relief Measures Sl.No.133/2009-10 dated 02.06.2009RBI Master Cir - Relief Measures dated 01/07/2015.Credit Scoring Model - ABU Cir 187 of 2018-19 dt 11th May 2018Credit Scoring Model

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Page No. 51 of 90

Minor Irrigation General Guidelines: Technical feasibility of Minor Irrigation schemes depends on the quality and availability of water.

Quality : Some of the minerals/ properties of water are harm ful for growth of crops if they are present in excess quantities.

Avalibility : The availibility depends on various factors as below :-

Quality

Miniral Contents Effect Solution

Calcium Magnesium

• Rises hardness of water.• Hard Water

Before Sanction :-• Good to check the harmful

effects of sodium.• Have a water test report

from reputed Soil & Water Testing Labs / Agri. college/ State Govt. etc.

Sodium Absorption Ratio (SAR)

• More than 26• Poor Quality

Chlorides • Affects the steel pipes and causes tip and edge burning of leaves

Soluble salts (TSS)

• Water containing more than 2000 ppm of salt.

• Leads to soil salinity and alkalinity problems.

• Unsuitable for long term irrigation.

Avalibility

Surface Water Flow of water in the River/Canal/Pounds/Tanks etc.

Ground Water

Under constant motion and replenishable. The GSDA conducted studies and classified areas in three groups/water sheds

White Area Plenty of Ground WaterExploitation is < 65 %.

Safe Area. Sanction without referring to any body.

Grey Area Exploitation is 65 to 85 %Semi Critical Area.Sanction with concurrence of GSDA

Dark/ Black Area Exploitation is > 85 %

Critical AreaNo sanction for new well.Sanction only for replacement of EM/pump.

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Dug Well and Repairs to Well :

Whenever, water from well is pumped, the area around the well gets dewatered and it should be recuperated from the surrounding areas for next dewatering/irrigation. However, this will depend on the availablity of ground water below the soil. Hence, GSDA has specified the minimum distance between two dug wells/ bore wells/ etc.

Sr. No. Well Type Specing1 Dug Wells 180 Mtrs.2 Bore Wells 250 Mtrs3 Dug-Cum-Bore Well 215 Mtrs.

Besides distance between two wells the location of well also plays a vital role in feasibility of the irrigation scheme. The Do's and Dont's are as under :-

Dug Well

Can be located at Should not be located at

• Areas included between 2 nalas.• Lands close to river stream .• Banks of nalas towards high ground.• Zone of luxuriant, vegetation with leafy plants.• Old courses of rivers and streams.• Damp or moist areas.• Soil thickness over 30 cm.• Weathered mantle (loose sandy material, Murum, soft rock etc) over 5 Mtrs depth.

•Areas with hard rocks exposure.•Areas adjoining ridges and spurs within 50 Mtrs.•Areas with soil cover less than 30 Cms.•eathered mantle less than 5 Mtrs.

Tube / Bore Wells

• Ground water discipline to be observed.• Trial / pilot drill to have a maximum hydrological information.• Operation should include drilling, casing, screening and development of well.• Diameter size will depend on the availability of ground water. soil strata and water requirements of crops to be grown and area to be irrigated.

Tanks / Ponds

• The proposed site should be agove the area to be irrigated, so as to irrigate the crops with gravity flow.• In take flow will be from excess water, available in the rainy season / canal /well etc.• They will be useful for irrigation as a protective irrigation system, specially for sumer season.• Capacity will depend on - Type of Crop, Area under cultivation, crop season considering the evaporation losses etc.• Project Cost will include - Cost of digging, lining and bedding, Polythene paper, fencing and pump set etc.

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Specific Guidelines.

Electric Motor

Should have BSI Mark Capacity in HP Min. Efficiency

2 HP 72 %3 HP 77%

5 HP and Above. 80 %

Pump Sets

• Should have BSI Mark.• Diameter of suction pipe and delivery pipe should be equal and well

discharge.• * Motor & pump kept in a sealed casing, submerged in water all the

time. Used for tube / bore wells.

Capacity in HP Min. Efficiency Type Lifting Capacity of suction head.

< 2 HP 50 % Horizontl/ Centrifugal Up to 7 Mtrs

2 - 4 HP 55 % Verfical / Turbine Beyound 7 Mtrs4 - 10 HP 60 % * Submersible Beyound 7 Mtrs

Diesel Engine

• Should have BSI Mark confirming to IS-11170 or IS-7347.• BHP of Diesel engine should be 10 % more than required HP of pump.• Brand should have a good reputation and efficient and trouble free after

sales service preferably locally.• Spare parts should be easily available.• SFC - Specific Fuel Consumption should be as low as possible, not

exceed following range.188 Gms/BHP/HourRPM Range SFC- Specific Fuel Consumption

1000 to 2000 rpm 250 Gms/BHP/HourAbove 2000 rpm 210.5 Gms/BHP/Hour

Pipe Line

The type of pipe and diameter will depend on • Length of the pipe line.• Elevetation between suction point and discharge point.• HP of Ele. Motor / Pump / Engine.• Types of pipes are as under :-

Type of Pipe Category Capacity to witstand pressure of Non Pressure

PipesPlastic, foldable pipes 1 Kg/cm2

Pressure pipes

GI Pipes

4 Kg/cm2 to 10 Kg/cm2 PVC PipesCement PipesAsbestos Pipes

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Methods of Irrigation : Broadly Irrigation methods can be divded in to catogeries.

Method Types Crops Benefits Limitations

Surface

Flood Paddy• Tradational Methods.• No technology.• Low cost.

•High seepage, percolation & evaporation.•Water use efficiency is just 40-45 % only

Basin / Bed Vegetables & Nursery Crops

Furrow Maiz, Jowar, Sugarcane

Micro

Sprinklers

High density Crops.• Cereals• Pulses• Oil Seeds

• Suitable for hilly areas.• suitable for sandy soils and soils with high infiltration rate.• No leveling of land required. • Equal distribution of water. • Minimum water loss.• Frost protection.• Improved water management.• Decrease in operational cost. • Increase in crop yield.• Similar to rainfall.

• Wind velocity more than 16 Km/Hr.• Costlier.• Energy needs for punping.• Min. water pressure 1-10 Kg/sqcm.• Not effective for orchards

DripLow density Crops• Horticultural • Fruit Crops• Vegetable crops• Cotton• Sugar cane

Water is applied at• Low rate• Directly to plant roots drop by drop.• Low pressesure.• Frequent intervals.• Application of water and fertlizers in right quantity and at time. • Less labour and energy cost.• Increase in crop yield.• Subsidy up to 50 %.

• To be designed and installed by technically qualified persons.• Frequent chocking of nozzels.• Hard water problems.• High cost.

• Cost depends on Size of command area, spacing, no. of plants etc.• Cost includes cost of :

▪Main Line, Sub Line, ▪Laterals,Drippers, Micro-Tubes▪Lateral connectors, Straight Connectors,▪Filters, Pressure guage, water regulators and meters.▪Nozzels ▪ Installation Charges etc.

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Life Irrigation

• The lift irrigation schemes can be classified as :

Type Members Size. Water Source

InvidualSingle borrower or with members of family

Small size Pound, Canal, Rive, Well etc.

JointGroup of borrowers up to 11 members

MediumDam, Canal, River with rennially availability of water.

Co-Operative

Co-op sty. of members.

Larger size. Dam, Canal

• Generally, for individual farmers the lift irrigation scheme compromises single lifting device installed close to the water source viz. pound, canal, river etc.

• Major Components of Lift Irrigation Scheme.• Intake Well - in the river bed / dam• Jack Well - on the bank of river• Intake Pipe - connecting the Intake Welland Jack Well.• Pump (pump House) - Hp depending on requirement & head. • Delivery Pipe - between jackwell and rising main.• Rising Main - Pipe Line up to maximum delivery head.• Delivery Chamber - At highest level of command area.• Disrtibutaries - Pipes carrying water from chamber to field

• Condations for small lift irrigation:◦ HP of pump set not to exceed 20 HP◦ Length of rising main not to exceed 3 Kms.◦ Rise between sucession head and delivery not to exceed 50 Mtrs.

• Main Documents required.

Data of flow of water in river 7-10 YrsIrrigation Dept.Permission from competent authority to lift the

waterPermission for laying the pipe line through their areas Nebouring farmers

Permission for laying the pipe line across the roads, if any Public works dept.

Feasibility Certificate for Power Supply Electricity BoardProject Report Consulting

EngineerTophography map and L section of schemeResolution to avail loan for Lift Irrg. Scheme and to take guarantee Co.Op. sty

Power of Attorney in favour of. Sty. members.

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Dairy FarmingIntroduction & National importance :As you know, almost 70% of the Indian population is dependent on agricultural for their lively hood. However, agricultural is a seasonal activity and can not provide employment after harvesting season. India is having lagest population of livestock in the world viz. 57.3 % of world's buffalow population and 14.7 % of the cattle population. India is the largest producer of the Milk in the world by producing abount 128 million tonnes of milk per annuam. The annual growith of milk production is about 5%. Dairy is an important source of additional income to small and marginal farmers as well as agrilcultural labours. In addition to milk, the manure from animals provides a very good source of organic matter for improving soil fertility and crops yields. The gobar gas from the dung is used as fuel for dosmestic purposes likes cooking and also for running engines. Dairy farming also provides employment throughout the year.

Role of Banks :Banks can play a vital role in providing a source for additional income to the rural population by financing dairy units. The items of finance would include

Capital Assets

Milch AnimalsConstruction of ShedsDaily equipmentsFooder for 1 to 2 monthsFencingDigging of wellsTransport vehiclesMilk processing facilities etc.

Working Capital

Cultivation of fooder crops.Labour paymentsElectricity billsVeteriniry ExpensesReceivables etc.

The dairy schemes may be medium to large outlay. Hence, details project report have to be prepared.Project Report for Bank Loan :Project can be prepared by

• Beneficiary himself after consulting technical person from Animal Husbandry Dept./DRDA / Co-operative dairy society / Milk Fedration etc.

• NABARD consultancy services NABCONS.The project should include information on

• Technical• Financial and• Managerial aspects.

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Technical Aspects :The project report should provide information on :

• Site location :Area, Accessibility by Road, Land development requirement, Site Map etc.

• Size of Unit : No. of milch animals, Milk production capacity etc.

• Civil structures : Sheds, Store Room, Milk Room, Office etc.

• Housing : Shed type, Area requirement for adults ( 1-3 Years) and Calves ( Less than 1 year)

• Equipments and Plant Machinery : Chaff cutter, Feed grinder & mixer,Milking machines, Milk Cans, Biogas plant, Transport vehicles etc.

• Animals : Species,/Breed, Source, Place of purchase, Distance for site, Cost of animal etc.

• Feeding : Source of Green fooder, Dry fooder and Concentrage.

• Milk production : Order of lactation, Lactation / Dry Days, Milk production per day etc.

• Veterinary Aid : Consltant/ Empoyee, Location, Distance, Types facilities.

• Breeding Facilities : Location, Distance, Availibility of semen, Expenditure per animal etc.

• Electricity : Source, Connected Load, Approval from Electricity Board, arrangement for back up Generator etc.

• Water : Source, Quality of water, Quantity for drinking, cleaning and fooder production.

• Marketing : Milk - Place of disposal, Price realisation, Basis & Periodicity of payment etc.

• Other Products - Quantity & Price expected for Manure, Bio Gas, Gunny Bags, Old Age animals etc.

Financial Aspects :

• Financial Viability - Internal Rate of Return , Benefit Cost Ratio, Net Present Worth.

• Financial position of Borrower - Profatibility Ratios, Debt Equity Ratio, Tax obligations.

• Lending Terms - Grace Period, Repayment Period, Rate of Interest, Nature of Security.Managerial Aspects :

Borrower's Profile :

• Constitution

• Experience in the business

• Experience / Capability to manage the proposed activity

• Financial soundness

• Technical know how

• Aggangements for technical know how, marketing etc.Others :

• Name of financing Bank.

• Training facilities

• Regulatory clearances

• Assistance from Govt. / Subsidy etc. Home

Page No. 58 of 90

Model Dairy Project by NABARD 10 Mura Baffalos

Purpose

To extend financial assistance for • Purchase of milch animals

(Crossbred/ high yielding cows,buffaloes)• Dairy Shed• Mechanical chaff cutters• Milking machines

Project Cost

Depends on • Breed of the milch animal• Prevailing local Market Prices• Transportation cost of animals• Unit size • Components included in the project

As per assessment o Bank's Technical Officer / RMRO. orNABARD Guide Lines.

Margin Range from 10 to 25 %Interest Rate

Floating, linked to 1 Year MCLR + Spread As applicable to Agri. Term Loans

Security As per NABARD/RBI GuidelinesRepayment Depends on Gross Surplus generated in the Scheme.

Repayable in Monthly installments within 5 to 7 years with suitable gestration period.

Insurance The milch animals and capital assets have to insured annually or on long term basis.

Techo Economics Parameters

Parameter Value

Type of Milch Animal Graded Murrah BuffaloNo. of Animals 10No. of Animals per Batch 5Cost of Animal (Rs./animal) 50000Cost of culled animal 5000Transportation Cost/Animal 1000Average Milk Yield (litre/day) 10Floor space (sqft) per adult animal 50Floor space (sqft) per calf 20Cost of construction per sqft (Rs.) 120Cost of chaff cutter (power operated) (Rs.) 5000

Page No. 59 of 90

Cost of equipment per animal (Rs.) 1000Insurance premium (% per annum) 5Veterinary aid/animal/ year (Rs.) 1000Quantity of Concentrate feed in one bag(kgs.) 50Cost of concentrate feed (Rs./kg) 12Cost of dry fodder (Rs./kg) 2Cost of green fodder (Rs./kg) 1No. of labourers 1Salary of labourer per month (Rs.) 4500Cost of electricity and water/animal/year (Rs.) 150Margin (%) 25Rate of interest (%) 12Repayment period (years) 5Selling price of milk/litre (Rs./litre) 26Sale price of gunny bags (Rs.per bag) 10Lactation days 270Dry days 150

Economics A model project with 10 buffaloes

Capital Cost

Item Nos. Rate Total Cost Cost of Milch Animals 10 50000 5,00,000Transportation cost 10 1000 10,000Animal Shed 1 60000 60,000Calf Shed 1 24000 24,000Chaff Cutter & Equipments 1 60000 60,000

TOTAL 6,54,000

Feeding Schedule

Type of FeedLactation Dry

Qty Kg.

Rate Rs.

Cost/ Day Rs.

Qty. Kg

Cost / Day Rs.

Concenrate 5 12 60 2 24Green Fooder 25 1 25 20 20Dry Fooder 4 2 8 5 10TOTAL 63 54

Total Year Lactation Dry Total No. of

Page No. 60 of 90

Concentrate Feed consumed

Gunny BagsYear 1 8250 300 8550 171Year 2 11250 2700 13950 279Year 3 11250 2700 13950 279Year 4 12000 2400 14400 288Year 5 12000 2400 14400 288

Lactation Chart Per Animal

YearI Batch II Batch

Lactation Days Dry Days Lactation

Days Dry Days

Year 1 240 30 90 0Year 2 240 120 210 150Year 3 210 150 240 120Year 4 210 150 270 90Year 5 210 150 270 90

Economics

ParticularsYears

1 2 3 4 5Sale of Milk 429000 585000 585000 585000 624000Sale of Gunny Bags 1710 2790 2790 2880 2880

TOTAL 430710 587790 587790 587880 626880Cost of Feeding LACTATION

153450 209250 209250 223200 223200

Cost of Feeding DRY 81000 72900 72900 64800 64800

Veterinary Aid 10000 10000 10000 10000 10000Labour Charges 54000 54000 54000 54000 54000

Electricity & Misc 1500 1500 1500 1500 1500

Insurance 25000 25000 25000 25000 25000TOTAL Exp. 252050 372650 372650 378500 378500Surplus 178660 215140 215140 209380 248380

Page No. 61 of 90

BCR & IRR

1 2 3 4 5Capital Costs 654000 - - - -

Recurring Costs 252050 372650 372650 378500 378500

Total Costs 906050 372650 372650 378500 378500

Benefit 430710 587790 587790 587880 626880

Net Benefit -475340 215140 215140 209380 248380

PW Costs @ 15 % 1719259.92BW Benefits @ 15 % 1853258.04NPW 133998.11B.C. Ratio 1.08IRR % 30 %

Loan Repayment Schedule

Year Loan Outstanding

Gross Surplus Interest Principal Total

Repayment Surplus

Year 1 490500 178660 58860 98100 156960 21700Year 2 392400 215140 47088 98100 145188 69952Year 3 294300 215140 35316 98100 133416 81724Year 4 196200 209380 23544 98100 121644 87736Year 5 98100 248380 11772 98100 109872 138508

Appraisal of the ProjectThe scheme so formulated should be submitted to the nearest branch of the bank.The bank's officer can assist in preparation of the scheme or filling in the prescribed application form. The bank will then examine the scheme for its technical feasibility and economic viability. Sanction of Bank Loan and its DisbursementAfter ensuring technical feasibility and economic viability, the scheme is sanctioned by the bank. The loan is disbursed in kind in 2 to 3 stages against creation of specific assets such as construction of sheds, purchase of equipment and machinery, purchase of animals and recurring cost on purchase of feeds/fodders for the initial period of one/two months. The end use of the funds is verified and constant follow-up is done by the bank.

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Page No. 62 of 90

Dairy Society PlusMaster Cir.- Sl. No. 148/2009-10, dated 06.06.2009

Purpose

To extend financial assistance for modernization of Dairy Societies by• Construction of Milk House / Society Office• Purchase of Automatic Milk collection system

◦ Transportation Vehicles◦ Bulk chilling unit.

Target Group Dairy Societies / Pvt. Milk Dairies.

Eligibility

• Registration with State Govt. Co. Operative dept..• Should have borrower powers as per by-laws.• Affiliation to Dist. Milk Fedration/Union.• Audited Balance Sheet for at least 2 Years.• "A" Grade & No adverse remarks in Audit. of previous 2 Years.• Pre-Tax profit for last 2 years.• Average 1000 Ltrs. per day milk supply to Milk Fedration.• No borrowings / Liquidation of borrowings / No-dues certificate from other FIs.

Nature of Facility Agri. Term Loan

Project Cost /Quantum of Loan

Purpose Item Upper Ceiling

Construction Milk House / Sty. Office Rs. 2.00 Lacs

Purchase of

Automatic Milk Collection System Rs. 1.00 Lacs

Milk Transport Vehicles Rs. 3 .00 Lacs

Bulk Chilling Unit Rs. 4.00 Lacs

TOTAL Rs. 10.00 Lacs **Total Project / Scheme CostLess : MarginLess : Subsidy (if any) = Bank Loan. ** Maximum 4 TIMES of Average Profit of last 2 years.

Assessment of limit Linked to pre-Tax profits of Society.

Margin 15 % .

DSR Minimum 1.75 %

Security

Primary Hypothecation of assets purchased out of bank finance.

Collateral Mortgage of landed property ORGuarantee of Milk Fedration/ Union.

Page No. 63 of 90

Processing Fees As applicable to ATLs

RepaymentGestation Period Maximum 6 Months

Period In Monthly Installments spread over 5 Years.

Rate of interest

Loans up to Rs. 25.00 lacs 1 Year MCLR (Floating) + Spread

Loans of above Rs.25.00 lacs Linked to CRA Rating

As applicable to direct Agri. Term Loans.• CPPD Cir Sl. No. 1384/2016-17, dated 19/01/2017 &• CPPD Cir Sl. No. 1408/2016-17, dated 25/01/2017

Documents to be obtained

• KYC documents of office bearers• Application for ATL • Tie-Up Arrangement Letter with Milk Fedration/Union.• Undertaking from the Milk Fedration/Union to deduct and remit the

installments till liquidation of loan directly to Bamk.• AB-1 : Hypothecation Agreement• AB-2 : Deed of Guarantee (wherever applicable)• AB-3 : Mortgage Deed (wherever applicable)• Original Title Deeds of the property along with TAX Receipts.• TIR & property Valuation Report.(wherever applicable)

Inspection Half Yearly

Disbursement Directly to Suppliers/ Dealers.Directly to vendors/suppliers

Insurance For full value of Assets and Stocks under Pledge/ Hypothecation.

Special Features

• To be processed through LOS only.• To be implemented only where milk societies/dairies are in operation.• Milk collection routes are available.• Payment should be made by Milk Fedration directly to the bank.• Borrowing Powers to the Society.

Reference Master Cir.- Sl. No. 148/2009-10, dated 06.06.2009ABU Cir 187 of 2018-19 dt 11th May 2018- Credit Scoring Model

Prepared by :Shri. N.G. Masare

9822606389

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Page No. 64 of 90

Poultry FarmingDue to growth in per capta income and purchasing power in the recent past, the food habits has also been changed in the country. This has resulted in growing demands for domestic poultry market. The farmers in India have moveed from rearing of country birdds to hybirds. Indian poultry sector has been growing at around 8-15 % p.a.

The birds are reared / grown sheds in two ways.

Deep Litter System Reared on plain floor of natural mating abrosbing moisture.Wire Cages Bred using atrificial insemination

When ever, birds are moved from one shed to other shed or disposed off, the farmers keeps the shed vacant for 4 weeks for ensure bio-security measures. This one batch of 72 weeks will take 76 Weeks.If farmer is using all in all out system, when the birds in Layer House ther sheds viz. Brooder House or Grower House will remain unutlised and there can be only 1 batch during 76 weeks. Hence, farmers prefers cyclic (batch) system, where all the sheds will be used for different type of Age Groups. The batch movement should be made in such a way that, Shed vacancy period is maintained in all brooder house, Grower House and Layer houses with minimum loss time, are and less investment. For this Bird Flow Charts are sheduled.

(Period in Weeks)

Batch No.

Brooder Shed

Grower Shed

Layer Shed Shed 1 Shed 2 Shed 3 Shed 4 Shed 5

1 0-8 9-16 17-762 13-20 21-28 29-853 25-32 33-40 41-974 37-44 45-52 53-1095 49-56 57-64 65-1216 61-68 59-76 77-133

Depending on the purpose of rearing viz. Eggs or Meat the poultry units are bifurchated in following types :-

a) Layer Farmingb) Brioler Farming.

There have been concerted efforts on recent years from Govt. bodies to promote poultry industry.

Page No. 65 of 90

Summary of two types of Poultry Farming are as under :-

Activity Layer Farming Broiler FarmingPurpose of Rearing Laying of Eggs MeatBirds •Females only.

•Brooders - 1 day to 8 Weeks•Growers - 9 Weeks to 20 Weeks•Layers - 21 Weeks to 72 Weeks•Culled - More than 72 weeks.

• Chicks - 1 day old Birds• Starters - 1 day to 4 Weeks• Finishers - 5 to 6 Weeks

Shed • Deep Litters• Cage System

• Deep Litter System only

Fooder • Maize and Soya• 50 Kg / Bird during

economic life cycle•

• Maize and Soya• 3.75 to 4.00 Kg during

economic life cycle.• Average 1.8 Kg to 2.00 Kg for

1 Kg of weight.Product 310 - 300 Eggs /Bird Average body weight of 1.75 Kg/ Bird Economic Life Cycle Up to 72 Weeks 45 daysIncome Sources • Eggs

• Skullded Birds• Manure• Fooder Bags

• Birds• Manure• Fooder Bags

Key Performance Matrics

• Feed Concersion Ratio• Rate of laying eggs

• Time Taken to attain desired weight (Average 1.75 Kg)

• Mortality Rate and disease resistance.Rearing Systems • All in All out

• Cyclical (Batches)

POULTRY (LAYER) FARMINGIntroduction :

The Layer Hatcheries produces chicks which may contain Male as well as Female chicks. For layeing of eggs only female chicks are required. Hecne, the chicks batch is sorted out in Male and Females. The Male chicks are killed and recyled for feed, which contains high quantity of protins. Farmers purchases 1 day old Female layer type chicks and rear them for 72 weeks. The layer bird starts laying of eggs after 20 Weeks (8 weeks of brooding and 12 weeks of growing), lays averaget 300 eggs for 52 weeks. After 72 weeks it's capacity to lay the eggs regularly gets reduced. Hence, they are disposed for meat purpose.Depending on the age groups, birds can be classified in to 4 Age Groups.

Group Age Rearing Period Housed in PeriodBrooders 1 day to 8 Weeks 8 Weeks of brooding Brooder House 8 Weeks Growers 9 th Week to 20 Week 12 Weeks of growing Grower House 8 WeeksLayers 21st Week to 72 Weeks 52 Weeks of Laying Layer House 56 WeeksCulled (Spent Hens) 72 Weeks & above NIL Dispossed off for meat purpose

Page No. 66 of 90

MODEL SCHEME FOR 10,000 LAYERS ( 1 + 1 + 5 ) SCHEME

Production ParametersNo. of Layers 10,000 birdsNo. of Batches 5No. of Birds / Batch 2,000Frequency of Chick Purchase Once in 12 WeeksMethod of Rearing 1 + 1 + 5 Cage SystemShed Vacancy Period 4 WeeksBatch Size MortalityChicks 2130 3%Growers 2060 3%Layers 2000 7%Culls 1860

Norms for Shed / Size of ShedPer Brooder 0.4 SqftPer Grower 0.7 SqftPer Layer 0.8 Sqft

Period of Stay Area Total Cost of Cage / BirdBrooder Cage 8 Weeks 43 x 20 ft 860 Sqft Rs. 36/-Groower Cage 8 Weeks 73 x 20 ft 1460 Sqft Rs. 65/-Layer Cage 56 (4+52) Weeks 50 x 34 ft(5 Sheds) 8500 Sqft Rs. 70/-Cost of Cages Rs. 240/- SqftShed Construction Period 12 Weeks

Cost of Feed / Week Cost of Medicines

Brooder 0.250 Kg/bird /week Rs. 18.00 / Kg Rs. 0.25 / Bird / WeekGroower 0.450 Kg/bird /week Rs. 15.00 / Kg Rs. 0.50 / Bird / WeekLayer 0.750 Kg/bird /week Rs. 15.00 / Kg Rs. 0.50 / Bird / WeekLabour /Month Rs. 4000/-Power / Fuel Rs. 5000/- monthInsurance of Birds Rs. 4.00 / birdInsurance of Shed & Equipments 0.25 %Misc. Expenses Rs. 1000/- per monthAvailability of ManureUp to Grower Stage 0 - 20 Weeks 0.300 Kg/bird/WeekLayer Stage 21 - 72 Weeks 0.500 Kg/bird/WeekChick Cost Rs. 3.10 per chickManure Rs. 25/-

Egg Price Rs. 600/- per Ton

Page No. 67 of 90

PROJECT COST1.CAPITAL COSTA. SHED

1 Land leveling, Road Making, Drain making etc. 1 Acre 20,0002 Boundry Fencing and Gate 30,0003 Sheds

Brooder Shed 860 Sft @ Rs. 240/ Sft 206,400Grower Shed 1460 Sft 350,400Layer Shed 8500 Sft 2,040,000

4 Electric Fans, Bulbs, Furniture Rs. 2/-/ bird 30,000A 2,676,800

B OTHER CIVIL STRUCTURES1 Equipments store & Record Rood 100 Sft 1500 Sft @

Rs.300/ Sft450,000.00

2 Feed Mfg-Storage Room 500 Sft3 Medicines and Vaccines Store 100 Sft4 Egg Store and Staff Toilet 100 Sft5 Supervisor Quarters (One) 400 Sft6 Labour Quarters (Two),150 Sft each 300 Sft

B 450,000.00C WATER WORKS

1 Borewell of 7 mm dia. 150 ft 0.002 SI pumpset of 5 HP 0.003 Overhead Tank 1.30 Lac 150000.004 Pipelines 25000.005 Water sprinkler & foggers 10000 birds Rs. 2.50 /bird 25000.00

C 200000.00D EQUIPMENTS

1 CagesBrooders 2130 36 76,680.00Growers 2060 65 133,900.00Layers 2000 X 5 10000 70 700,000.00

2 Feed grinder-cum-mixer 300,000.003 Debeaker 5,000.004 Refrigetor 10,000.005 Egg trays, Sprayers, vaccinators etc. 25,000.00

D 1,250,580.00TOTAL CAPITAL COST A + B + C + D 4,577,380.00

Page No. 68 of 90

WORKING CAPITAL REQUIREMENTS (1st Year):Amount in Rs.

Sr.No. Item No. of

Barches

No. of Chicks/ Batch

TotalQuantity Rate Amount Total

Amount

1 Cost of Chicks 4 2130 8520 25.00 213,000.00 213,000.002 Feed Cost Feed /

Week Kg No. of Weeks

Brooders 0.25 28 2130 14910 18.00 268,380.00Growers 0.45 32 2060 29664 15.00 444,960.00 713,340.00

3 Medicine CostsBrooders 28 2130 0 0.25 14,910.00Growers 32 2060 0 0.50 32,960.00 47,870.00

4 Misc CostsLabour 48 4000 192,000.00Power/Fuel 48 1250 60,000.00Insurance 4590000 0.25 % 11,475.00Misc 48 250 12,000.00 275,475.00

TOTAL - Working Capital 1,249,685.00

POULTRY EFFICIENCY CHECK RATIOS : L A Y E R S

Ratio Layers

1 Benefit Cost Ratio BC Gross Income from Sale of Eggs/Culls/Gunnies & manure = -----------------------------------

Total cost of Inputs used

2 Feed Price Ratio FP Value of Eggs produced per Bird = -----------------------------------

Value of feed consumed per Bird

3

Feed Efficiency or

Feed Conversion Ratio

FE /FC

Total Feed consumed by the batch (Kgs)= --------------------------------------Total live weight of the batch (Kgs)

• 1 : 2 is an ideal at 45 days of Age

4 Average weight of the Batch AWB

Total Live weight of batch = --------------------------------------Total No. of birds ( on the last day)

5 Hen Day Egg Production HDEP

No. of Eggs Proeduced = ------------------------ X 100

No. of Live hens.• 82 % or more is desirable

Page No. 69 of 90

6 Hen Housed Egg Production HHEP

No. of Eggs Proeduced = ------------------------ X 100

No. of hens housedFor Long Term

Av.daily No. of Eggs Proeduced HHEP= ------------------------ X 100

No. of hens housed• 82 % or more HHEP is desirable

7 Performance Efficiency Index PEI

30(EW) 2 P = ----------------------

BW X FEW = Average egg weight in GmsP = % of egg productionBEW = Agerage body weight in GmsF = Average feed consumption per bird per day

• PEI of more than 40 is desirable

8 Net Feed Efficiency (NFE) NFE

F = ----------------------

EW + BWF = Av. feed consumption of layerEW = Total egg weight.BW = Boday weight of the layers.

• A Ratio of 2.1 and above is desirable

9 Gross Margin per unit of floor space

Gross income from a batch - Feed cost of the batch = ------------------------------ Area of house (or pen) used.

10 Construction coefficient CC

Total constructed area= ----------------------------- ----------- X 100

Total farm Land Area

• 25 to 35 is an ideal

11 MortalityRate MR

No. of Birds started - No. of birds left at the end = -------------------------------------

No. of birds Started.• Should be less than 4 %

12 Feed conversion Efficiency FCE

Total feed consumed (Kg)= ---------------------------------------

Total weight of eggs (Kg)• Ratio of 2.2 or less is desirable.

13 Overall profit from a layer P 50 X Averabe Feed cost

= --------------------------Averabe price per Egg.

Home

Page No. 70 of 90

Broiler PlusABU Cir.- Sl. No. 1269/2015-16, dated 13.01.2016

Purpose

To extend financial assistance to Agri. entrepreneurs, will to undertake contract broiler farming through Corporate tie-up for

• Establishment, • Expansion of Broiler Farms ,• Construction of Broiler/Grower shed• Purchase of equipments• Feed

Target Group Individual farmers who are associated with an Anchor Company for contract broiler farmer.

Eligibility

• Farmer must be a Owner / Lease holder of Agri. Land for construction of Poultry Shed.

New Units Written agreement / Letter of understanding with Anchor Company.

Existing Units

Associated with Anchor Co. for at least 1 Year.Must have not have 2 bad cycles ( per Kg rearing/growing charges must not be less than Standard One set by Anchor Co.)

Nature of Facility Agri. Term Loan

Project Cost As per assessment o Bank's Technical Officer / RMRO. orNABARD Guide Lines.

Quantum of Loan

Setting UpNew Units

• Construction of Poultry Shed and • Purchase of Equipments to support a capacity of 6000 birds. 100 % of

Capital Expenditure Expansion

Existing Units

• Construction of Poultry Shed and • Purchase of Equipments to support a capacity of 6000 - 12000 birds.

Purpose Unit Cost ( Rs./Unit) * Total Cost Rs.Construction of Shed Rs. 120/Sqft 7,20,000.00

Equipments Rs. 13/ Bird 78,000.00

* Subject to change 7,98,000.00

Page No. 71 of 90

Margin

• Cash Collateral as below.

New Unit 25 %

Existing Unit 20 %• Cash Collateral to be kept as TDR with applicable Card Rate .• Int. on Cash Collateral will be credited to loan account on Quarterly basis.

DSR Minimum 1.75 %

Security

Primary Hypothecation of assets purchased out of bank finance.

Collateral

Collateral Type Belonging to ExtentSARFAESI Compliant / Residential / Commercial immovable property at Semi-Urban / Urban centre.

Applicant or Guarantor

50% of Loan Amount. Gold

NSC / KVIP s

LIC Policy

Processing Fees 0.625 % of Loan Amount.

Repayment

Gestation Period 6 Months

Installments

• Repayable in 5 Years ( Maximum )• 5 Repayment Cycles in a Year. • Repayment Cycles linked to payment cycle

of the Anchor Co.• Negotiated Repayment in CBS

Rate of InterestAs applicable to direct Agri. Term Loans. viz 1 Year MCLR + Spread (Presently MCLR + 2.6 % )

• CPPD Cir Sl. No. 1384/2016-17, dated 19/01/2017 &• CPPD Cir Sl. No. 1408/2016-17, dated 25/01/2017

Documents to be obtained

• KYC documents• Application for ATL • A Signed Agreement OR • Letter of Understanding with Anchor Co. to perform contract broiler Farming.• Arrangement Letter applicable to Agri. Advances.• AB-1 : Hypothecation Agreement• AB-2 : Deed of Guarantee (wherever applicable)• AB-3 : Mortgage Deed (wherever applicable)• Original Title Deeds of the property along with TAX Receipts.• TIR & property Valuation Report.(wherever applicable)• Authorization letter by the applicant, authorizing Anchor Co. to pay the

installment amount / deposit sale proceeds to the applicants SB A/c with SBI, directly to the Bank.

Page No. 72 of 90

Discretionary Powers

• As per the delegation of Financial Powers vide • RBU LHO MUMBAI Cir . No. : 173 OF 2009-10, dated 13.03.2010 • The decision to sanction the loan should be taken on the basis of Credit

Scoring Model as per ABU Cir 187 of 2018-19 dt 11th May 2018

Score Score % Stipulation

30 > 60% "Good Loans" under Disc. Powers25 to 29 50 % to < 60 % Refer to next higher authority.< 25 <50 % Should not be sanctioned.

Turn Around Time 7 days from date submission of all required documents.

Disbursement

Animals, Const. of Shed Plant & Mechinery Directly to vendors/ suppliers

Fodder May be disbursed to borrower after confirming end use.

• Cost of Shed/Plant & Machinery to be disbursed as per progress of project.

Insurance• PAI is mandatory for all applicants.• Birds, Assets and Stocks under Pledge/ Hypothecation to be insured for full

value.

Inspection a. Pre -sanction check of the site/collateral security to be done by BM/ FO before sanctioning the loan.b. Post disbursements quarterly inspections to be made.

Special Features

• To be processed through LOS only.

Incentive to Anchor Co.

0.5 % of Interest received based on No. of collections received.

Incentive amount is Negotiable on case to case basis.

Reference

ABU Circular - Sl. No. 1269/2015-16, dated 13.01.2016RBU LHO MUMBAI Cir . No. : 173 OF 2009-10, dated 13.03.2010 Broiler + : SOP - Standard Operating ProcedureABU Cir 187 of 2018-19 dt 11th May 2018 Credit Scoring Model

Prepared by :Shri. N.G. Masare

9822606389

Page No. 73 of 90

POULTRY EFFICIENCY CHECK RATIOS FOR : B R O I L E R .

Sr. No. Ratio Broiler

1 Benefit Cost Ratio BCGross Income( from Sale of meat, Gunnies & manure)

= ---------------------------------Total cost of Inputs used

2 Feed Price Ratio FP Value of meat produced

= ---------------------------------------------Value of feed consumed

3

Feed Efficiency or Feed Conversion Ratio

FE /FC

Total Feed consumed by the batch (Kgs) = ----------------------------------------------------------

Total live weight of the batch (Kgs)

1 : 2 is an ideal at 45 days of Age

4 Broiler Performance Effeciency Factor BPFF

Feed consumed by the batch = ------------------------------------------- X 100

Live weight of batch

5 Average weight of the Batch AWB

Total Live weight of batch = -----------------------------------------------------

Total No. of birds ( on the last day)

6 Broiler Efficiency Index BEI

Av. Wt. of bird at Sale (Kg) x ( 100- Mort. %) = -------------------------------------------------------

Av. days taken to reach market wt. x FCR x 2

7 Brioler Production No.

BPN Av. Wt. of birtd X Liveability %

= ----------------------------------------------------FCR X Age in days X 10

8 Performance Efficiency Index PEI

30(EW) 2 P = ---------------------------------

BW X FEW = Average egg weight in GmsP = % of egg productionBEW = Agerage body weight in GmsF = Average feed consumption per bird per day

• PEI of more than 40 is desirable

9 Gross Margin per unit of floor space

Gross income from a batch - Feed cost of the batch = ------------------------------ Area of house (or pen) used.

10 Construction coefficient CC

Total constructed area = ----------------------------- ----------- X 100

Total farm Land Area 25 to 35 is an ideal

11 MortalityRate MR

No. of Birds started - No. of birds left at the end = -------------------------------------

No. of birds Started.• Should be less than 4 %

Home

Page No. 74 of 90

PRADHAN MANTDI MUDRA YOJANA PMMY-ALLIED AGRI.

ABU Cir Sl. No. 647 of 2017-18, dated 13th Sept. 2017

Product PMMY-Allied Activity

Activities Covered

• Dairy/Poultry/Fishiries• Goat/Sheep/Piggery rearing• Bee Keeping• Agri. Clinic and Agri. Business Centers• Others (Promote livelihood & Income Generation.

Eligibility

• Individuals• Sole Proprietorship Firms• Partnership Firms

engaged in agri. allied activitiesand services supporting to Agriculture Purpose To generate self-employment opportunities

MarginLoan amount

• Upto Rs. 50,000/- - NIL• Rs. 50,000/- to Rs. 10.00 Lakhs - 10%

Quantum of Loan Project Cost Less Margin Maxmium Rs. 10.00 Lakhs

SecurityPrimary Hypothecation of assets created out of Bank Finance.Collateral Waived.

Guarantee Cover From CGFMU – Credit Guarantee Fund for Micro UnitsGuarantee Fee recoverable from Borrower.

DSCR Minimum 1.75 : 1Int. Rate 1 year MCLR + 2.50 % p.a.

Penal Int. 1% p.a. Over & above interest rate on balance outstanding, if overdue more than 30 days from date of default.

Processing FeesLoan amount

• Upto Rs. 50,000/- - NIL• Rs. 50,000/- to Rs. 10.00 Lakhs - 0.50% of loan Amount.+ GST

Other Charges As applicable to Agri. AdvancesRepayment 3 – 5 years, including Gestation Period.Disbursement In stages, to ensure regular flow of income throughout the year.Inspections Half Yearly.

Insurance Assets created of Bank Finance should be insured for full value of the property

Documentation

• KYC documents• Arrangement Letter, duly incorporating the recovery of Premium payable

to CGFMU• AB1-Agreement for Hypothecation

TAT 14 days

Page No. 75 of 90

Spl. Features • 100% Aadhar Seeding Mandatory• Credit Scoring Model Agri. Allied activities applicable • Post-disbursement inspection to be conducted for creation of assets.• RFID Tags of purchased animals to be verified.• To be processed through Agri. LOS only.

Recovery & Followup

• SMSs in Regional Language to be sent well in advance of due date for timely payment of installments

• 1st Notice – in 1st week from default• 2nd Notice- in 3rd week of default• Borrower to be contacted personally if a/c remains irregular for 30 days.• Legal Proceedings to initiated immediately on account turning NPA.

References Topic Circular No.PMMY-Allied Agri. ABU Cir Sl. No. 647 of 2017-18, dated 13th Sept. 2017

Credit Scoring Model ABU Cir 187 of 2018-19 dt 11th May 2018

Prepared by :Shri. N.G. Masare

9822606389 Home

Page No. 76 of 90

Mudra Dairy LoanMaster Cir.- Sl. No. 1332/2017-18, dated 07.02.2018

Objective• To create employment • To Generate income for livelihood and• To enhance the standard of living of people

Purpose

To purchase • Milch Animals• Equipments• Cattle feed• Construction of Shed• Milk Cans• Payment of Veterinary Charges, Insurance Charges• Bore well.

Target Group Individuals, Sole Proprietorship/Partnership Firms engagedin dairy activities.

Eligibility• No to be defaulter in any other Bank/Financial Institution.• Farmers who have an arrangement with Milk collection centers to

route the sale proceeds of milk to their loan account will be eligible.

Sourcing • Leads sourced from Milk Collection Centers.• Use of LOS is Mandatody.

Due Diligence / Pre-Sanction / Underwriting

Due Diligence will cover as follows :-• Aadhar is mandatory• Verification of KYC documents of applicant(s)• Pre-Sanction and Post – Sanction.• Technical feasibility and viability – Veferinary Aid, Insurance.• NABARD Unit cost to be adopted• Dairy Scoring Model Must be used• Coverage under CGFMU• Minimum 2 Milch Cattles to be financed.

Nature of Facility Overdraft / Dropline Overdraft

Product Code • Overdraft ( Upto Rs. 1,00,000) - 6531 1149• Drop Line OD ( Rs.1,00,001 to 10,00,000) - 6531 1150

Project Cost /Quantum of Loan

Total Project / Scheme CostLess : Margin = Bank Loan.

Margin • Up to Rs. 50,000/- - - NIL -• Rs.50,000 to Rs. 10,00,000 - Rs. 10 %

DSR Minimum 1.75 %

Security

Primary Hypothecation of milch animals assets purchased out of bank finance.

Collateral • No Collateral Security • To be covered under CGFMU

Page No. 77 of 90

Credit Guarantee Fee • Annual Guarantee Fee @ stipulated by CGFMU on outstanding Amount.

• To be paid centrally by Corporate Centre, Mumbai • By debit to borrower account through trickle field mechanism.

Processing Fees • Up to Rs. 50,000/- - - NIL -• Rs.50,000 to Rs. 10,00,000 - 0.50 % + GST

Inspection Charges • As applicable to Agriculture

Repayment

Limit Up to Rs. 1.00 Lacs Running OD, to be Renewed Annually.

Limit > 1.00 Lac

• Moratorium Period - 1 Month.• Repayable in 5 Years. (60 Months) Including

Moratorium period as Dropline OD Account. •

Rate of interest• 1 Year MCLR + 2.75 % (Spread)• Penal Interest - 2% above the normal interest rate for the Overdue

Amtount.

Documents to be obtained

• Aadhar is Mandatory• KYC documents of applicant(s)• Application and Apprisal• Arrangement Letter.• AB-1 : Hypothecation Agreement• AB-2 : Deed of Guarantee (wherever applicable)• AB-3 : Mortgage Deed (wherever applicable)

Sanctioning Authority As per Scheme of Delegation of Financial Powers.

Disbursement

• Directly to Suppliers/ Dealers.• To be disbursed in stages, 2 milch animals cost first and 2 milch

animals after 6 months.• RFID Tags (basis injection) for purchased animals to be verified • Existing KCC RuPay / ATM Debit Cards given to the borrower may

linked to account.• New RuPay /ATM Debit Card may be given to borrower, who have

not been issued earlier, to enable them to conduct hassle free transactions.

Insurance For full value of Assets and Stocks under Pledge/ Hypothecation.

TAT • 7 days from the date of submission of all required documents/ papers.

ReferenceMaster Cir.- Sl. No. 1332/2017-18, dated 07.02.2018 SOP & FeaturesCredit Scoring Model - ABU Cir 187 of 2018-19 dt 11th May 2018

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Page No. 78 of 90

Mudra Poultry LoanABU Cir Sl. No. 374 of 2017-18, dated 5th July 2018

Objective• To create employment • To Generate income for livelihood and• To enhance the standard of living of people

Purpose

To purchase • Day old Chicks• Equipment• Poultry feed• Medicines• Construction of Shed• Payment of Veterinary Charges, Insurance Charges• Bore well.

Target Group Individuals, Sole Proprietorship/Partnership Firms engaged in poultry activities.

Eligibility• No to be defaulter in any other Bank/Financial Institution.• Adopt scientific methods of poultry farming• Have backward and forward linkages.

Sourcing • Leads sourced from Milk Collection Centers.• Use of LOS is Mandatody.

Due Diligence / Pre-Sanction / Underwriting

Due Diligence will cover as follows :-• Aadhar is mandatory• Verification of KYC documents of applicant(s)• Pre-Sanction and Post – Sanction.• Technical feasibility and viability – Veferinary Aid, Insurance.• NABARD Unit cost to be adopted• Scoring Model Must be used• Coverage under CGFMU

Nature of Facility • Overdraft ( Upto Rs. 1,00,000) • Drop Line OD ( Rs.1,00,001 to 10,00,000)

Project Cost /Quantum of Loan

Total Project / Scheme CostLess : Margin = Bank Loan.

Margin • Up to Rs. 50,000/- - - NIL -• Rs.50,000 to Rs. 10,00,000 - Rs. 10 %

DSR Minimum 1.75 %

Security

Primary Hypothecation of milch animals assets purchased out of bank finance.

Collateral • No Collateral Security • To be covered under CGFMU

Page No. 79 of 90

Credit Guarantee Fee

• Annual Guarantee Fee @ stipulated by CGFMU on outstanding Amount.• To be paid centrally by Corporate Centre, Mumbai • By debit to borrower account through trickle field mechanism.

Processing Fees • Up to Rs. 50,000/- - - NIL -• Rs.50,000 to Rs. 10,00,000 - 0.50 % + GST

Inspection Charges • As applicable to Agriculture

Repayment

Limit Up to Rs. 1.00 Lacs Running OD, to be Renewed Annually.

Limit > 1.00 Lac

• Moratorium Period - 6 Months.• Repayable in 5 Years including

Moratorium period. • 54 Half Yearly Installments as Dropline

OD Account.

Rate of interest• 1 Year MCLR + 2.75 % (Spread)• Penal Interest - 2% above the normal interest rate for the Overdue

Amount.

Documents to be obtained

• Aadhar is Mandatory• KYC documents of applicant(s)• Application and Apprisal• Arrangement Letter.• AB-1 : Hypothecation Agreement

Sanctioning Authority As per Scheme of Delegation of Financial Powers.

Disbursement • To be disbursed in stages to ensure regular flow of income through out the year.

Insurance For full value of Assets and Stocks under Pledge/ Hypothecation.

TAT • 7 days from the date of submission of all required documents/ papers.

References

Mudra-Poultry ABU Cir Sl. No. 374 of 2017-18,dated 5th July 2018

Mudra Poultry Scheme Annxexure-I to ABU Cir Sl. No. 374 of 2017-18

Standard Operating Procedure (SOP) Annxexure-II to ABU Cir Sl. No. 374 of 2017-18

Model Scheme on Poultry Finance Annxexure-III to ABU Cir Sl. No. 374 of 2017-18

Frequently Asked Questions (FAQs) Annxexure-IV to ABU Cir Sl. No. 374 of 2017-18

Credit Scoring Model ABU Cir Sl. No.187 of 2018-19 dt 11th May 2018

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Page No. 80 of 90

Mudra GOAT Rearing SchemeABU Cir Sl. No. 377 of 2017-18, dated 5th July 2018

Objective• To create employment • To Generate income for livelihood and• To enhance the standard of living of people

Purpose

To purchase • Does• Bucks (male goat – 1 per 10 goats)• Construction of Shed• Equipment• Bore well.• Feed• Medicines• Payment of Veterinary Charges, • Insurance Charges etc

Target Group Individuals, Sole Proprietorship/Partnership Firms engaged in Goat rearing activities.

Eligibility• No to be defaulter in any other Bank/Financial Institution.• Adopt scientific methods of poultry farming• Have backward and forward linkages.

Sourcing • Leads sourced from Milk Collection Centers.• Use of LOS is Mandatody.

Due Diligence / Pre-Sanction / Underwriting

Due Diligence will cover as follows :-• Aadhar is mandatory• Verification of KYC documents of applicant(s)• Pre-Sanction and Post – Sanction.• Technical feasibility and viability – Veferinary Aid, Insurance.• NABARD Unit cost to be adopted• Scoring Model Must be used• Coverage under CGFMU

Nature of Facility • Overdraft ( Upto Rs. 1,00,000) • Drop Line OD ( Rs.1,00,001 to 10,00,000)

Project Cost /Quantum of Loan

Total Project / Scheme CostLess : Margin = Bank Loan.

Margin • Up to Rs. 50,000/- - - NIL -• Rs.50,000 to Rs. 10,00,000 - Rs. 10 %

DSR Minimum 1.75 %

Security

Primary Hypothecation of milch animals assets purchased out of bank finance.

Collateral • No Collateral Security • To be covered under CGFMU

Page No. 81 of 90

Credit Guarantee Fee

• Annual Guarantee Fee @ stipulated by CGFMU on outstanding Amount.• To be paid centrally by Corporate Centre, Mumbai • By debit to borrower account through trickle field mechanism.

Processing Fees • Up to Rs. 50,000/- - - NIL -• Rs.50,000 to Rs. 10,00,000 - 0.50 % + GST

Inspection Charges • As applicable to Agriculture

Repayment

Limit Up to Rs. 1.00 Lacs Running OD, to be Renewed Annually.

Limit > 1.00 Lac

• Moratorium Period - 6 Months.• Repayable in 5 Years including

Moratorium period. • 54 Half Yearly Installments as Dropline

OD Account.

Rate of interest• 1 Year MCLR + 2.75 % (Spread)• Penal Interest - 2% above the normal interest rate for the Overdue

Amount.

Documents to be obtained

• Aadhar is Mandatory• KYC documents of applicant(s)• Application and Apprisal• Arrangement Letter.• AB-1 : Hypothecation Agreement

Sanctioning Authority As per Scheme of Delegation of Financial Powers.

Disbursement • To be disbursed in stages to ensure regular flow of income through out the year.

Insurance For full value of Assets and Stocks under Pledge/ Hypothecation.

TAT • 7 days from the date of submission of all required documents/ papers.

References

Mudra-Goat Rearing ABU Cir Sl. No. 377 of 2017-18, dated 5th July 2018

Mudra Goat Rearing Scheme Annexure - I of ABU Cir Sl. No. 377 of 2017-18

Standard Operating Procedure (SOP) Annexure - II of ABU Cir Sl. No. 377 of 2017-18

Model Scheme on Goat Rearing Annexure - III of ABU Cir Sl. No. 377 of 2017-18

Frequently Asked Questions (FAQs) Annexure - IV of ABU Cir Sl. No. 377 of 2017-18

Credit Scoring Model ABU Cir Sl. No.187 of 2018-19 dt 11th May 2018

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Page No. 82 of 90

Mudra SHEEP Rearing SchemeABU Cir Sl. No. 375 of 2017-18, dated 5th July 2018

Objective• To create employment • To Generate income for livelihood and• To enhance the standard of living of people

Purpose

To purchase • Does• Bucks (male goat – 1 per 10 goats)• Construction of Shed• Equipment• Bore well.• Feed• Medicines• Payment of Veterinary Charges, • Insurance Charges etc

Target Group Individuals, Sole Proprietorship/Partnership Firms engaged in Goat rearing activities.

Eligibility• No to be defaulter in any other Bank/Financial Institution.• Adopt scientific methods of poultry farming• Have backward and forward linkages.

Sourcing • Leads sourced from Milk Collection Centers.• Use of LOS is Mandatody.

Due Diligence / Pre-Sanction / Underwriting

Due Diligence will cover as follows :-• Aadhar is mandatory• Verification of KYC documents of applicant(s)• Pre-Sanction and Post – Sanction.• Technical feasibility and viability – Veferinary Aid, Insurance.• NABARD Unit cost to be adopted• Scoring Model Must be used• Coverage under CGFMU

Nature of Facility • Overdraft ( Upto Rs. 1,00,000) • Drop Line OD ( Rs.1,00,001 to 10,00,000)

Project Cost /Quantum of Loan

Total Project / Scheme CostLess : Margin = Bank Loan.

Margin • Up to Rs. 50,000/- - - NIL -• Rs.50,000 to Rs. 10,00,000 - Rs. 10 %

DSR Minimum 1.75 %

Security

Primary Hypothecation of milch animals assets purchased out of bank finance.

Collateral • No Collateral Security • To be covered under CGFMU

Page No. 83 of 90

Credit Guarantee Fee

• Annual Guarantee Fee @ stipulated by CGFMU on outstanding Amount.• To be paid centrally by Corporate Centre, Mumbai • By debit to borrower account through trickle field mechanism.

Processing Fees • Up to Rs. 50,000/- - - NIL -• Rs.50,000 to Rs. 10,00,000 - 0.50 % + GST

Inspection Charges • As applicable to Agriculture

Repayment

Limit Up to Rs. 1.00 Lacs Running OD, to be Renewed Annually.

Limit > 1.00 Lac

• Moratorium Period - 6 Months.• Repayable in 5 Years including

Moratorium period. • 54 Half Yearly Installments as Dropline

OD Account.

Rate of interest• 1 Year MCLR + 2.75 % (Spread)• Penal Interest - 2% above the normal interest rate for the Overdue

Amount.

Documents to be obtained

• Aadhar is Mandatory• KYC documents of applicant(s)• Application and Apprisal• Arrangement Letter.• AB-1 : Hypothecation Agreement

Sanctioning Authority As per Scheme of Delegation of Financial Powers.

Disbursement • To be disbursed in stages to ensure regular flow of income through out the year.

Insurance For full value of Assets and Stocks under Pledge/ Hypothecation.

TAT • 7 days from the date of submission of all required documents/ papers.

References

Mudra-Sheep Rearing ABU Cir Sl. No. 375 of 2017-18, dated 5th July 2018

Mudra Sheep Rearing Scheme Annexure - I of ABU Cir Sl. No. 375 of 2017-18

Standard Operating Procedure (SOP) Annexure -II of ABU Cir Sl. No. 375 of 2017-18

Model Scheme on Sheep Rearing Annexure - III of ABU Cir Sl. No. 375 of 2017-18

Frequently Asked Questions (FAQs) Annexure - IV of ABU Cir Sl. No. 375 of 2017-18

Credit Scoring Model ABU Cir Sl. No.187 of 2018-19 dt 11th May 2018

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Page No. 84 of 90

Mudra PIG Rearing SchemeABU Cir Sl. No. 394 of 2017-18, dated 7th July 2018

Objective• To create employment • To Generate income for livelihood and• To enhance the standard of living of people

Purpose

To purchase • Piglets• Equipment• Construction of Shed• Bore well• Feed• Medicines• Payment of Veterinary Charges, • Insurance Charges etc

Target Group Individuals, Sole Proprietorship/Partnership Firms engaged in PIG rearing activities.

Eligibility• No to be defaulter in any other Bank/Financial Institution.• Adopt scientific methods of poultry farming• Have backward and forward linkages.

Sourcing • Leads sourced from Milk Collection Centers.• Use of LOS is Mandatody.

Due Diligence / Pre-Sanction / Underwriting

Due Diligence will cover as follows :-• Aadhar is mandatory• Verification of KYC documents of applicant(s)• Pre-Sanction and Post – Sanction.• Technical feasibility and viability – Veferinary Aid, Insurance.• NABARD Unit cost to be adopted• Scoring Model Must be used• Coverage under CGFMU

Nature of Facility • Overdraft ( Upto Rs. 1,00,000) • Drop Line OD ( Rs.1,00,001 to 10,00,000)

Project Cost /Quantum of Loan

Total Project / Scheme CostLess : Margin = Bank Loan.

Margin • Up to Rs. 50,000/- - - NIL -• Rs.50,000 to Rs. 10,00,000 - Rs. 10 %

DSR Minimum 1.75 %

Security

Primary Hypothecation of milch animals assets purchased out of bank finance.

Collateral • No Collateral Security • To be covered under CGFMU

Page No. 85 of 90

Credit Guarantee Fee

• Annual Guarantee Fee @ stipulated by CGFMU on outstanding Amount.• To be paid centrally by Corporate Centre, Mumbai • By debit to borrower account through trickle field mechanism.

Processing Fees • Up to Rs. 50,000/- - - NIL -• Rs.50,000 to Rs. 10,00,000 - 0.50 % + GST

Inspection Charges • As applicable to Agriculture

Repayment

Limit Up to Rs. 1.00 Lacs Running OD, to be Renewed Annually.

Limit > 1.00 Lac

• Moratorium Period - 6 Months.• Repayable in 5 Years including

Moratorium period. • 54 Half Yearly Installments as Dropline

OD Account.

Rate of interest• 1 Year MCLR + 2.75 % (Spread)• Penal Interest - 2% above the normal interest rate for the Overdue

Amount.

Documents to be obtained

• Aadhar is Mandatory• KYC documents of applicant(s)• Application and Apprisal• Arrangement Letter.• AB-1 : Hypothecation Agreement

Sanctioning Authority As per Scheme of Delegation of Financial Powers.

Disbursement • To be disbursed in stages to ensure regular flow of income through out the year.

Insurance For full value of Assets and Stocks under Pledge/ Hypothecation.

TAT • 7 days from the date of submission of all required documents/ papers.

References

Mudra-Pig Rearing ABU Cir Sl. No. 394 of 2017-18, dated 7th July 2018

Mudra Pig Rearing Scheme Annexure I of ABU Cir Sl. No. 394 of 2017-18

Standard Operating Procedure (SOP) Annexure II of ABU Cir Sl. No. 394 of 2017-18

Model Scheme on Pig Rearing Annexure III of ABU Cir Sl. No. 394 of 2017-18

Frequently Asked Questions (FAQs) Annexure IV of ABU Cir Sl. No. 394 of 2017-18

Credit Scoring Model ABU Cir Sl. No.187 of 2018-19 dt 11th May 2018

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Page No. 86 of 90

Mudra FISHERY SchemeABU Cir Sl. No. 376 of 2017-18, dated 5th July 2018

Objective• To create employment • To Generate income for livelihood and• To enhance the standard of living of people

Purpose

To purchase • Fish Seed• Equipment• Regrigerator• Vehicle• Construction of Sheed• Fish Feed• Insurance Charges etc

Target Group Individuals, Sole Proprietorship/Partnership Firms engaged in FISHERYactivities.

Eligibility• No to be defaulter in any other Bank/Financial Institution.• Adopt scientific methods of poultry farming• Have backward and forward linkages.

Sourcing • Leads sourced from Milk Collection Centers.• Use of LOS is Mandatody.

Due Diligence / Pre-Sanction / Underwriting

Due Diligence will cover as follows :-• Aadhar is mandatory• Verification of KYC documents of applicant(s)• Pre-Sanction and Post – Sanction.• Technical feasibility and viability – Insurance.• NABARD Unit cost to be adopted• Scoring Model Must be used• Coverage under CGFMU

Nature of Facility • Overdraft ( Upto Rs. 1,00,000) • Drop Line OD ( Rs.1,00,001 to 10,00,000)

Project Cost /Quantum of Loan

Total Project / Scheme CostLess : Margin = Bank Loan.

Margin • Up to Rs. 50,000/- - - NIL -• Rs.50,000 to Rs. 10,00,000 - Rs. 10 %

DSR Minimum 1.75 %

Security

Primary Hypothecation of milch animals assets purchased out of bank finance.

Collateral • No Collateral Security • To be covered under CGFMU

Credit Guarantee Fee

• Annual Guarantee Fee @ stipulated by CGFMU on outstanding Amount.

Page No. 87 of 90

• To be paid centrally by Corporate Centre, Mumbai • By debit to borrower account through trickle field mechanism.

Processing Fees • Up to Rs. 50,000/- - - NIL -• Rs.50,000 to Rs. 10,00,000 - 0.50 % + GST

Inspection Charges • As applicable to Agriculture

Repayment

Limit Up to Rs. 1.00 Lacs Running OD, to be Renewed Annually.

Limit > 1.00 Lac

• Moratorium Period - 6 Months.• Repayable in 5 Years including

Moratorium period. • 54 Half Yearly Installments as Dropline

OD Account.

Rate of interest• 1 Year MCLR + 2.75 % (Spread)• Penal Interest - 2% above the normal interest rate for the Overdue

Amount.

Documents to be obtained

• Aadhar is Mandatory• KYC documents of applicant(s)• Application and Apprisal• Arrangement Letter.• AB-1 : Hypothecation Agreement

Sanctioning Authority As per Scheme of Delegation of Financial Powers.

Disbursement • To be disbursed in stages to ensure regular flow of income through out the year.

Insurance For full value of Assets and Stocks under Pledge/ Hypothecation.

TAT • 7 days from the date of submission of all required documents/ papers.

References

Mudra-Fishery ABU Cir Sl. No. 376 of 2017-18, dated 5th July 2018

Mudra Fishery Scheme Annexure I of ABU Cir Sl. No. 376 of 2017-18

Standard Operating Procedure (SOP) Annexure II of ABU Cir Sl. No. 376 of 2017-18

Model Scheme on Fishery Finance Annexure III of ABU Cir Sl. No. 376 of 2017-18

Frequently Asked Questions (FAQs) Annexure IV of ABU Cir Sl. No. 376 of 2017-18

Credit Scoring Model ABU Cir Sl. No.187 of 2018-19 dt 11th May 2018

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Page No. 88 of 90

Mudra BEE Keeping SchemeABU Cir Sl. No. 686 of 2018-19, dated 30 Aug 2018

Objective• To create employment • To Generate income for livelihood and• To enhance the standard of living of people

Purpose To meet the cost of establishing & carrying out Bee Keeping Unit.

Target Group Individuals, Sole Proprietorship/Partnership Firms engaged in Bee Keeping activities.

Eligibility• No to be defaulter in any other Bank/Financial Institution.• Adopt scientific methods of poultry farming• Have backward and forward linkages.

Sourcing • Leads sourced from Bee Keeping Societies.• Use of LOS is Mandatody.

Due Diligence / Pre-Sanction / Underwriting

Due Diligence will cover as follows :-• Aadhar is mandatory• Verification of KYC documents of applicant(s)• Pre-Sanction and Post – Sanction.• Technical feasibility and viability – Tie Up arrangements, Insurance.• NABARD Unit cost to be adopted• Scoring Model Must be used• Coverage under CGFMU

Nature of Facility • Overdraft ( Upto Rs. 1,00,000) • Drop Line OD ( Rs.1,00,001 to 10,00,000)

Project Cost /Quantum of Loan

Total Project / Scheme CostLess : Margin = Bank Loan.

Margin • Up to Rs. 50,000/- - - NIL -• Rs.50,000 to Rs. 10,00,000 - Rs. 10 %

DSR Minimum 1.75 %

Security

Primary Hypothecation of milch animals assets purchased out of bank finance.

Collateral • No Collateral Security • To be covered under CGFMU

Credit Guarantee Fee

• Annual Guarantee Fee @ stipulated by CGFMU on outstanding Amount.• To be paid centrally by Corporate Centre, Mumbai • By debit to borrower account through trickle field mechanism.

Processing Fees • Up to Rs. 50,000/- - - NIL -• Rs.50,000 to Rs. 10,00,000 - 0.50 % + GST

Inspection Charges • As applicable to Agriculture

Page No. 89 of 90

Repayment

Limit Up to Rs. 1.00 Lacs Running OD, to be Renewed Annually.

Limit > 1.00 Lac

• Moratorium Period - 6 Months.• Repayable in 5 Years including

Moratorium period. • 54 Half Yearly Installments as Dropline

OD Account.

Rate of interest• 1 Year MCLR + 2.75 % (Spread)• Penal Interest - 2% above the normal interest rate for the Overdue

Amount.

Documents to be obtained

• Aadhar is Mandatory• KYC documents of applicant(s)• Application and Apprisal• Arrangement Letter.• AB-1 : Hypothecation Agreement

Sanctioning Authority As per Scheme of Delegation of Financial Powers.

Disbursement • To be disbursed in stages to ensure regular flow of income through out the year.

•Insurance For full value of Assets and Stocks under Pledge/ Hypothecation.

TAT • 7 days from the date of submission of all required documents/ papers.

References

Mudra-Bee Keeping ABU Cir Sl. No. 686 of 2018-19, dated 30 Aug 2018

Mudra Bee Keeping Scheme Annexure-I ofABU Cir Sl. No. 686 of 2018-19

Standard Operating Procedure (SOP) Annexure-II ofABU Cir Sl. No. 686 of 2018-19

Model Scheme on Bee Keeping Annexure-III of ABU Cir Sl. No. 686 of 2018-19

Frequently Asked Questions (FAQs) Annexure-IV ofABU Cir Sl. No. 686 of 2018-19

Credit Scoring Model ABU Cir Sl. No.187 of 2018-19 dt 11th May 2018

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Page No. 90 of 90