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Agricultural Loan
Parivar Shakti Tractor Loan

  • Eligilbility

    • The Loan shall be sanctioned with women as co-borrowers
    • Minimum agricultural land holding of 1.5 acres in the name of the borrower(s)
    • 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
    • EMI / NMI shall not exceed 60%
    • Branches should verify and ensure that cost of the accessories purchased, if any, along with the tractor is reasonable and whether they are actually required by the borrower(s).
  • Insurance and Inspection

    • Tractor / Accessories are to be comprehensively insured till the loan is repaid in full
    • Inspection shall be carried out at periodic intervals and reporting of irregularity observed if any, will be done as the existing guidelines. The contact details of the borrower including mobile number, email Ids, etc should be obtained in CBS
  • Disbursement

    • Term Loans for buying machinery and tools
  • Rate of Interest

    • Interest will be levied as per the norms of Agricultural Term Loan
    • In case amount for the facility is above 5 lac an upfront fee of 0.50% of loan will be levied
  • Repayment

    • Maximum 60 EMI's with 1 month moratorium under both cases with and without collateral security
  • Security

    • Primary Security :
      • Hypothecation of Tractor and accessories
    • Collateral Security :
      • Mortage of immovable property is not envisaged
      • Security of gold ornaments,NSC, Time Deposits(advance value of gold ornaments, Time Deposits, NSC) to the extent of the minimum 25% of loan
  • Documentation

    • As applicable in Agricultural Term Loan
    • RC of Tractor has to be submitted by the borrower within 3 months of the date of the disbursement failing which vehicle shall be ceased by the bank

Now SMS Banking and NEFT/RTGS available at all CBS branch with single IFSC Code : SBIN0RRELGB.

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