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Long Term Loans

Investment credit leads to capital formation through asset creation. It induces technological upgradation resulting in increased production, productivity and incremental income to farmers and entrepreneurs.This is a long-term refinance facility. The credit is normally provided for a period of 3 to 15 years. It is intended to create income generating assets in the following sectors:

  1. Agriculture and allied activities

  2. Artisans, small scale industries, Non-Farm Sector (Small and Micro Enterprises), handicrafts, handlooms, powerlooms, etc.

  3. Activities of voluntary agencies and self help groups working among the rural poor

  1. Eligible Institutions
  2. The Institutions Eligible for Refinance are :

    1. State Co-operative Agriculture & Rural Development Banks (SCARDBs)

    2. Regional Rural Banks (RRBs)

    3. State Co-operative Banks (SCBs)

    4. Commercial Banks (CBs)

    5. State Agricultural Development Finance Companies (ADFCs)

    6. Scheduled Primary Urban Co-operative Banks (PUCBs)

    7. North East Development Finance Corporation (NEDFC)

    8. Non-Banking Financial Companies (NBFCs)


  3. Purposes :

    1. Farm Sector :
    2. Agriculture and allied activities such as minor irrigation, farm mechanisation, land development, soil conservation, dairy, sheep/goat rearing, poultry, piggery, plantation/horticulture, forestry, fishery, storage and market yards, bio-gas and other alternate sources of energy, sericulture, apiculture, animals and animal driven carts, agro-processing, agro-service centres, etc.

    3. Non-Farm Sector :
    4. Artisans, Small & Micro Enterprises, handicrafts, handlooms, powerlooms, etc

  4. Loan Period :
  5. The loan period is upto a maximum of 15 years

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