SHORT TERM LOANS – (AMOUNT
UPTO Rs.25.00 LACS)
|
Size of Credit Limit |
ROI at BPLR 12.25%
(P.A.) |
|
Upto Rs. 50,000/- |
3.25% below BPLR
i.e. 9.00% p.a. |
|
Above Rs.50,000/-
and upto Rs.2.00
lacs |
2.25% below BPLR
i.e. 10.00% p.a. |
|
Above Rs.2.00 lacs
and upto Rs.3.00
lacs |
1.50% below BPLR
i.e. 10.75% p.a. |
|
Above Rs.3.00 lacs
and upto Rs.5.00
lacs |
0.50% below BPLR
i.e. 11.75% p.a. |
|
Above Rs.5.00 lacs
and upto Rs.25.00
lacs |
0.50% above BPLR
i.e. 12.75% p.a. |
SHORT TERM LOANS – (AMOUNT
ABOVE Rs.25.00 LACS)
|
CRA Rating
|
ROI at BPLR 12.25%
(P.A.) |
|
SB 1-2 |
BPLR i.e. 12.25
%p.a. |
|
SB 3-5 |
0.75% above BPLR
i.e. 13.00 %p.a. |
|
SB 6-7 |
1.25% above BPLR
i.e. 13.50 %p.a. |
|
SB 8-16 |
1.50% above BPLR
i.e. 13.75 %p.a. |
Note:
1. Crop loans/ production
loans upto Rs. 3.00 lacs
will be charged @7% p.a. on
eligible accounts, as per
directives of RBI. In all
other cases normal rate of
interest as stated above
will be applicable.
Additional concession of 1%
in rate of interest will
also be available to prompt
paying farmers.
2. However, in respect of
individual farmers availing
loans above Rs. 25.00 Lacs
for Direct agricultural
advances credit rating norms
are waived. For these
borrowers proposed rate of
interest is 0.50 % above
BPLR (i.e. 12.75%).
AGRICULTURAL
TERM LOANS
ATL – (Amount upto Rs.25.00
lacs)
|
Size of Credit Limit |
ROI at BPLR 12.25%
(P.A.) |
|
Upto Rs. 50,000/- |
1.75% below BPLR
i.e. 10.50% p.a. |
|
Above Rs.50,000/-
and upto Rs.2.00
lacs |
0.75% below BPLR
i.e. 11.50% p.a. |
|
Above Rs.2.00 lacs
and upto Rs.5.00
lacs |
BPLR i.e. 12.25%
p.a. |
|
Above Rs.5.00 lacs
and upto Rs.25.00
lacs |
1.00% above BPLR
i.e. 13.25% p.a. |
ATL
– (Amount above Rs.25.00
lacs)
|
CRA Rating |
Revised ROI at BPLR
12.25% (P.A.) |
|
SB 1-2 |
0.50% above BPLR
i.e. 12.75 %p.a. |
|
SB 3-5 |
1.25% above BPLR
i.e. 13.50 %p.a. |
|
SB 6-7 |
1.75% above BPLR
i.e. 14.00 %p.a. |
|
SB 8-16 |
2.00% above BPLR
i.e. 14.25 %p.a. |
However, in respect of
individual farmers availing
loans above Rs. 25.00 Lacs
for Direct agricultural
advances credit rating norms
are waived. For these
borrowers proposed rate of
interest is 0.75 % above
BPLR (i.e. 13.00%).
Annexure-II
(B) RATES UNDER SPECIAL
SCHEMES
1.
* FINANCE AGAINST WAREHOUSE
RECEIPT ISSUED BY NATIONAL
BULK HANDLING CORPORATION
LTD (NBHC)
Loans granted against
warehouse receipts issued by
NBHC falling under
Priority Sector (i.e.
Agriculture Segment)*
|
Loan size |
RATE OF INTEREST
(BPLR 12.25 %
P.A) |
|
≤ 5 crores |
Minimum 12.40 %
P.A. |
|
> 5 crores |
Minimum 12.20 %
P.A. |
*Advance
made against new
warehouse receipts
issued by NBHC to all
existing and new borrowers
upto 31.03.2010 will be
eligible for concessional
rate of interest as per H.O.
circular no. ADV/AGR/73 dt.
15-01-2010.
2. (A) LOANS GRANTED UNDER
TIE-UP ARRANGEMENT WITH
MILKFED PUNJAB & HARYANA
DAIRY DEVELOPMENT
CORPORATION LTD., HARYANA.
|
Loan size |
RATE OF INTEREST
(BPLR 12.25 %
P.A) |
FOR LOANS upto
Rs.50, 000/-
|
2.50 % below
BPLR |
9.75% P.A. |
For loans above
Rs.50, 000/- AND
UPTO RS.2.00
LACS
|
2.00 % below
BPLR |
10.25%
P.A. |
2. (B) ESTABLISHMENT OF
DAIRY UNIT OF 02 MILCH
ANIMALS UNDER SCHEDULE CASTE
SUB PLAN IN THE STATE OF
PUNJAB.
|
Loan size |
RATE OF INTEREST
(BPLR 12.25 %
P.A) |
FOR LOANS upto
Rs.50, 000/-
|
2.00 % below
BPLR |
10.25% P.A. |
3. FINANCING COMMERCIAL
DAIRY UNITS *
|
|
RATE OF INTEREST
(BPLR
12.25 % P.A) |
|
WORKING CAPTIAL
(CC)
|
2.00% below BPLR |
10.25 % P.A. |
|
TERM LOAN
(DL)
|
2.00% below BPLR |
10.25 % P.A. |
*
A Further concession of
1.00% p.a. on regular
repayments shall be granted
on Term Loan only on yearly
basis at the end of
financial year on loans of
those farmers whose
repayment is regular during
the year. In case of any
default during currency of
the loan, the concession
already granted shall be
withdrawn & no concession
shall be granted in future.
4.
NET HOUSE FOR VEGETABLE
CULTIVATION APPLICABLE IN
PUNJAB ONLY
|
SIZE OF CREDIT
LIMIT |
RATE OF INTEREST
(BPLR
12.25 % P.A) |
|
Up to Rs.
50000/- |
1.25 % below
BPLR |
11.00 % P.A. |
|
Above Rs 50000/-
and up to Rs
00.90 lacs |
0.50 % below
BPLR |
11.75 % P.A. |
5. ADVANCES UNDER DEBT SWAP
SCHEME
|
NATURE OF CREDIT |
RATE OF
INTEREST
(BPLR 12.25 %
P.A) |
|
TERM LOAN Max.
Rs. 50000 |
1.25 % below
BPLR |
11.00 % P.A. |
6. SCHEMES OF GOVERNMENT OF
INDIA
6(i) CAPTIAL INVESTMENT
SUBSIDY SCHEME (CISS) FOR
CONSTRUCTION/EXPANSION/MODERNIZATION
OF COLD STORAGES AND
STORAGES FOR HORTICULTURAL
PRODUCE
|
NATURE OF CREDIT |
RATE OF INTEREST
(BPLR 12.25 %
P.A) |
|
Up to Rs. 2.00
lacs |
BPLR |
12.25 % P.A. |
|
Above Rs. 2.00
lacs |
1% p.a. above
BPLR |
13.25% P.A. |
6(ii) CENTRAL SECTOR
SCHEME FOR STRENGTHENING OF
AGRICULTURAL MARKETING
INFRASTRUCTURE, GRADING AND
STANDARDISATION
|
NATURE OF CREDIT |
RATE OF INTEREST
(BPLR 12.25 %
P.A) |
|
TERM LOAN |
BPLR |
12.25 % P.A. |
7. INDIRECT AGRICULTURAL
ADVANCES TO AGENCIES
PROVIDING INPUT SUPPORT
(7-i) LIMITS UPTO RS. 25.00
LACS
|
NATURE OF CREDIT |
RATE OF INTEREST
(BPLR 12.25 %
P.A)
|
|
CASH CREDIT |
2.25 % below
BPLR |
10.00 % P.A. |
|
TERM LOAN |
1.75 % below
BPLR |
10.50 % P.A. |
(7-ii) WORKING CAPTIAL/CASH
CREDIT LIMITS ABOVE RS.
25.00 LACS
(BASED ON CREDIT RATING)
|
RATING |
RATE OF INTEREST
(BPLR 12.25 %
P.A)
|
|
SB 1 |
2.75 % below
BPLR |
9.50 % P.A. |
|
SB 2 |
2.00 % below
BPLR |
10.25 % P.A. |
|
SB 3 |
1.50 % below
BPLR |
10.75 % P.A. |
|
SB 4 TO 16
|
1.25 % below
BPLR |
11.00 % P.A. |
(7-iii) TERM LOANS ABOVE RS
25.00 LACS (BASED ON CREDIT
RATING)
|
RATING |
RATE OF INTEREST
(BPLR 12.25 %
P.A)
|
|
SB TL 1 |
2.25 % below
BPLR |
10.00 % P.A. |
|
SB TL 2 |
1.50 % below
BPLR |
10.75 % P.A. |
|
SB TL 3 |
1.00 % below
BPLR |
11.25 % P.A. |
|
SB 4 TO 16
|
0.75 % below
BPLR |
11.50 % P.A. |
8. SCHEME FOR FINANCING
COMMISSION AGENTS/ARHTIAS
AGAINST THEIR BOOK
DEBTS/BROKERAGE
SIZE OF CREDIT
LIMIT
|
RATE OF INTEREST
(BPLR 12.25 %
P.A)
|
|
Up To Rs. 02.00
Lacs |
1.00 % below
BPLR |
11.25 % P.A. |
|
Above Rs. 02.00
Lacs and Up To
Rs. 25.00 Lacs |
BPLR |
12.25 % P.A. |
9.
INDIRECT LOANS GIVEN THROUGH
PRIMARY AGRICULTURAL
COPERATIVE SOCIETY (PACS)/
FARMER SERVICE SOCIETY (FSS)/LARGE
SIZED ADIVASI/AGRICULTURAL
MULTIPURPOSE SOCIETY (LAMPS)
(9-i)
Short Term Loans
SIZE OF CREDIT
LIMIT
|
RATE OF INTEREST
(BPLR 12.25 %
P.A)
|
Up to Rs.
25,000/-
|
7.00 % P.A.
|
Above Rs.
25,000/- and up
to Rs. 3 lacs
|
7.00 % P.A.
|
Above Rs. 3 lacs
|
*10.25 % P.A.
(2.00% below
BPLR) |
Tier system (i) Up to Rs.
3.00 lacs: 7.00 % P.A.
(ii)
Above Rs. 3.00 lacs: 10.25 %
P.A. (2.00 % below BPLR)
In respect of Indirect Loans
given through PACS/FSS/LAMPS,
the RBI has clarified that
the banks should ensure that
the ultimate borrower is
charged an interest rate of
not more than 7.00 % by
PACS/FSS/LAMPS. As such in
case PACS/FSS/LAMPS do not
agree to charge interest @
7.00 % from the farmer or
not otherwise eligible under
the Interest Subvention
Scheme of GoI as the account
becomes overdue, branches
should charge normal rate of
interest (i.e. 2.00 % below
BPLR, presently effective
rate is 10.25 % P.A.)
(9-ii) ATL
SIZE OF CREDIT
LIMIT
|
RATE OF INTEREST
(BPLR 12.25 %
P.A)
|
Up to Rs.
25,000/-
|
2.75 % below
BPLR |
9.50 % P.A.
|
Above Rs.
25,000/- and up
to Rs. 2 lacs
|
1.75 % below
BPLR |
10.50 % P.A.
|
Above Rs. 2 lacs
|
1.75 % below
BPLR |
10.50 % P.A.
|
10. LOANS TO SELF HELP
GROUPS
(10-i)
(NON-SGSY/GENERAL /NABARD
SCHEME SHGs)
|
SCHEME |
RATE OF INTEREST
(BPLR
12.25 % P.A) |
|
TL (SHG) SSI |
v
UP TO RS 02.00
LACS 4% below
BPLR i.e. 08.25
% P.A.
v
ABOVE RS 02.00
LACS AT BPLR
i.e. 12.25 %
P.A. |
|
TL (SHG)
INDIRECT |
|
TL (SHG) SBF |
|
ATL (SHG)
DIRECT |
|
ATL (SHG)
INDIRECT |
|
ACC (SHG) |
|
CC (SHG) SSI |
|
CC (SHG) SBF |
|
SHG CREDIT CARD |
|
TL SHG SBF |
|
SHG GOLD CARD |
|
JLG ACC |
|
JLG ATL |
(10-ii)
SGSY (SHG’s)
|
SCHEME |
RATE OF INTEREST
(BPLR
12.25 % P.A) |
|
CC-SSI |
v
UP TO RS 02.00
LACS 4% below
BPLR i.e. 08.25
% P.A.
v
ABOVE RS 02.00
LACS AT BPLR
i.e. 12.25 %
P.A. |
|
CC-SBF |
|
ACC |
|
TL SSI |
|
TL SBF |
|
ATL |
Note: Rate of interest on
group loan under SGSY cases
only is linked to the per
capita size of the loan. For
arriving at the per capita
size of the loan, the total
amount availed by the group
is to be divided by the
total no. of members in the
group.
(10-iii)
CATEGORY
|
RATE OF INTEREST
(BPLR 12.25 %
P.A)
|
Indirect Loans
up to Rs.
25000/- to NGOs/
MCOs/ Voluntary
Agencies
|
2.75 % below
BPLR |
9.50 % P.A.
|
Indirect Loans
above Rs.
25000/- to NGOs/
MCOs/ Voluntary
Agencies
|
1.75 % below
BPLR |
10.50 % P.A.
|
(10-iv)
SGSY INDIVIDUAL
10-iv (a) SGSY INDIVIDUAL CC
(SSI)
|
SIZE OF CREDIT
LIMIT |
RATE OF INTEREST
(BPLR 12.25 %
P.A.) |
|
Up to
Rs.50,000/- |
1.75 % below
BPLR |
10.50 % P.A. |
|
Above
Rs.50,000/- & up
to Rs.2 lacs |
0.75 % below
BPLR |
11.50 % P.A. |
|
Above Rs.2 lacs
& but up to
Rs.5 lacs |
BPLR |
12.25 % P.A. |
|
Above Rs.5 lacs
& below Rs.25
lacs |
0.25 % above
BPLR |
12.50 % P.A. |
10-iv (b) SGSY INDIVIDUAL CC
(SBF)
|
SIZE OF CREDIT
LIMIT |
RATE OF INTEREST
(BPLR 12.25%
P.A.) |
|
Up to
Rs.50,000/- |
1.75 % below
BPLR |
10.50 % P.A. |
|
Above
Rs.50,000/- & up
to Rs.2 lacs |
0.75 % below
BPLR |
11.50 % P.A. |
|
Above Rs.2 lacs
& but up to
Rs.5 lacs |
BPLR |
12.25 % P.A. |
|
Above Rs.5 lacs
but up to Rs.25
lacs |
0.75 % above
BPLR |
13.00 % P.A. |
10-iv (c) SGSY INDIVIDUAL
ACC
SIZE OF CREDIT
LIMIT
|
RATE OF INTEREST
(BPLR 12.25% P.A) |
Up to Rs.
50,000/-
|
1.50 % below
BPLR |
10.75 % P.A.
|
Above Rs.
50,000/- and up
to Rs. 2 lacs
|
0.50 % below
BPLR |
11.75 % P.A.
|
Above Rs. 2 lacs
but up to Rs. 3
lacs
|
1.00 % above
BPLR |
13.25 % P.A.
|
Above Rs. 3 lacs
but up to Rs.
25.00 lacs
|
1.00 % above
BPLR |
13.25 % P.A.
|
10-iv
(d) SGSY INDIVIDUAL TL (SSI)
|
SIZE OF CREDIT
LIMIT |
RATE OF INTEREST
(BPLR 12.25%
P.A.) |
|
Up to
Rs.50,000/- |
1.25 % below
BPLR |
11.00 % P.A. |
|
Above
Rs.50,000/- & up
to Rs.2 lacs |
0.25 % below
BPLR |
12.00 % P.A. |
|
Above Rs.2 lacs
& but up to
Rs.5 lacs |
0.50 % above
BPLR |
12.75 % P.A. |
|
Above Rs.5 lacs
& below Rs.25
lacs |
0.75 % above
BPLR |
13.00 % P.A. |
10-iv
(e) SGSY INDIVIDUAL TL (SBF)
|
SIZE OF CREDIT
LIMIT |
RATE OF INTEREST
(BPLR 12.25%
P.A.) |
|
Up to
Rs.50,000/- |
1.25 % below
BPLR |
11.00 % P.A. |
|
Above
Rs.50,000/- & up
to Rs.2 lacs |
0.25 % below
BPLR |
12.00 % P.A. |
|
Above Rs.2 lacs
& but up to
Rs.5 lacs |
0.50 % above
BPLR |
12.75 % P.A. |
|
Above Rs.5 lacs
but up to Rs.25
lacs |
1.50 % above
BPLR |
13.75 % P.A. |
10-iv (f) SGSY INDIVIDUAL
ATL
|
SIZE OF CREDIT
LIMIT |
RATE OF INTEREST
(BPLR 12.25 %
P.A.) |
|
Up to Rs.
50,000/- |
1.25 % below
BPLR |
11.00 % P.A. |
|
Above Rs.
50,000/- and up
to Rs. 2 lacs |
0.50 % below
BPLR |
11.75 % P.A. |
|
Above Rs. 2 lacs
but up to Rs. 5
lacs |
BPLR |
12.25 % P.A. |
|
Above Rs. 5 lacs
but up to Rs. 25
lacs |
1.50 % above
BPLR |
13.75 % P.A. |
(11) TRACTOR LOANS
AS PER SCHEME CIRCULATED
VIDE H.O. CIRCULAR NO. AGR/20
OF 2007-08 DT 06-10-2007,
THERE IS DIFFERENTIAL
INTEREST RATE STRUCTURE FOR
FINANCING OF TRACTOR
ACCORDING TO THE SCORING
MODEL. THESE CONECSSION WILL
CONTINUE.
*********************
