• Objective: To provide a simple, hassle free, one step credit solution for the working capital and infrastructural needs of the Agri-Enterprises.
  • Target Group: Agri based Enterprises engaged in selected Agri, Allied, Agri infrastructure and Ancillary activities defined as
    a. Agri Commodity Processing Units
    b. Food Processing Units
    c. Agri Exporters
    d. Agri Input Manufacturing Units
    e. Farmer Producer Organization
  • Purpose: Financing the business entities engaged in Agri, Allied and Related activities
  • Type of Facility:Cash Credit (CC), Term Loan (TL), Bank guarantee (BG)
  • Quantum of Finance:Minimum Rs. 1.00 lacs and Maximum Rs. 100.00 crore.
  • Margin:
    Term Loan:
    10% of the project cost for loans up to Rs 25 lacs 
    15% for loans above Rs 25 lacs and below Rs 50 lacs
    20% for loans Rs 50 lacs and above
    Working Capital Cash Credit:
    Stock 20%, book debt/receivables: 40%
  • Repayment Period:
    For Term Loan:
    Minimum: 12 months
    Maximum: 10 years (including moratorium of max. 24 months)
    For Cash Credit:
    Tenure - 1 year (Annual renewal)
  • ROI:
    Aggregate limit up to Rs.50.00 lakhs:10.50%
    Aggregate limit above Rs.50.00 lakhs: as per CRA rating norms
    • *Product features and ROI are subject to change from time to time as per discretion of the Bank