INFORMATION CENTRE

S.No	Particulars	Interest Rate (%)
1	Short Term refinance assistance:
a	State Cooperative Banks for financing crop loans	4.50
b	RRBs for financing crop loans	4.50
c	DCCBs directly financing for crop loans	4.50
d	Commercial Banks./RRBs in respect of their finance to PACS towards crop loans	4.50
e	SAO – Additional Limit to StCBs / RRBs	7.5
f	ST - SAO to eligible Low Risk SCARDBs	7.5
g	ST(OSAO)	7.5
h	StCBs/RRBs - Conversion of Short Term- crop loans into Medium Term loans (3% less than the interest rate charged by banks to ultimate beneficiaries subject to minimum interest rate at 8.20%)	8.20
2	Long Term refinance assistance
a	LT loan to State Govt. for contribution to share capital of coop. credit institutions	8.5
b	RRBs/ StCBs / SCARDBs
	- Refinance for 5 years and above	8.0
	- Refinance for 18 months to less than 5 years	8.1
c	PUCBs
	- Refinance for 5 years and above	8.8
	- Refinance for 18 months to less than 5 years	9.0
d	Refinance to Banks on loans to MFIs for onlending to clients will be at 3% less than the interest rate charged by banks subject to a minimum interest rate as indicated below:
	RRBs
	- Refinance for 5 years	8.40 (minimum)
	- Refinance for 3 years to less than 5 years	8.50 (minimum)
e	LT Refinance for agriculture and allied sectors to StCBs and RRBs under Long Term Rural Credit Fund (LTRCF)	4.9
f	NBFC
	AAA RATED #
	LT Refinance for 5 years and above	8.25(min)
	LT Refinance for 3 years to less than 5 years	8.35(min)
	LT Refinance for 18 months to less than 3 years	8.45(min)
		AA RATED
g	LT Refinancefor5 years and above	8.5 (min)
	LT Refinance for 3years to less than 5 years	8.6(min)
	LT Refinancefor 18 months to less than 3 years	8.7(min)
	A RATED (N.E / Hilly Region)
	LT Refinance for 5 years and above	8.5 (min)
	LT Refinance for 3years to less than 5 years	8.6(min)
	LT Refinancefor 18 months to less than 3 years	8.7(min)
	# Highest safety rating offered by CRISIL as CRISIL AAA for Long Term Debt Instruments or equivalent rating of any of the Rating agencies approved by RBI/SEBI.** Refinance will be allowed on case to case basis
3	NBFC-mFI
	NBFC-MFI (mfR1 Grade)
	LT Refinance for 5 years and above	10.50(min)
	LT Refinance for 3 years to less than 5 years	10.60(min)
	LT Refinance for 18 months to less than 3 years	10.7(min)
	NBFC-MFI (mfR2 Grade)
	LT Refinance for 5 years and aove	10.75(min)
	LT Refinance for 3 years to less than 5 years	10.85(min)
	LT Refinance for 18 months to less than 3 years	10.95(min)
	NBFC-MFI(mfR3 Grade) (N.E / Hilly Region)
	LT Refinance for 5 years and above	10.75(min)
	LT Refinance for 3years to less than 5 years	10.85(min)
	LT Refinance for 18 years to less than 3 years	10.95(min)

B) Direct Lending

4	Warehouse Infrastructure Fund (WIF)
a	State Governments	Bank rate – 1.50%
b	State Government Corporation (with State Govt. Guarantee)	Bank rate – 1.50%
c	Entities promoted by State / Central Government owned/assisted (without State Govt. Guarantee)	PLR + risk premium
d	Other entities	PLR+risk premium
	* Current Bank Rate – 6.50% # Current Prime Lending Rate (PLR) for WIF loans– 9.00% for Priority States (Eastern, North Eastern and food deficit states) and 9.25% for other states. @ Risk Premium – Ranges from 0.25%, 0.50% and 0.75% based on the level of project risk
5	Food Processing Fund (FPF)
a	State Governments	Bank rate – 1.50%
b	Entities promoted by State Governments (with Govt. Guarantee)	Bank rate – 1.50%
c	&Entities promoted by State Governments(without Govt. Guarantee)	PLR + risk premium
d	Other entities	PLR+risk premium
	* Current Bank Rate – 6.50% # Current Prime Lending Rate (PLR) for FPF loans– 7.45% @ Risk Premium – Ranges from 0.10 to 0.30% based on the level of project risk