Agriculture & Allied Activities
Credit support for farm and allied livelihood activities such as dairy, poultry, fisheries, small agri business and related services.
Purpose
Loan purpose
Livelihood & Micro Enterprise
Funding for small business/livelihood opportunities that improve household income and local economic activity.
Need-Based Individual Credit
Other eligible individual credit requirements in line with NABKISAN policy and lending norms.
Eligibility
Who can apply
- Individual borrowers engaged in agriculture, allied or livelihood activities as per product guidelines.
- Borrower should meet KYC, documentation and legal compliance requirements.
- Repayment capacity and cash-flow suitability should be established during appraisal.
- No adverse credit history/default beyond acceptable risk parameters.
- End use of funds should be for permissible purposes under product policy.
- Sanction subject to field verification and internal approval framework.
Terms
Security, pricing & repayment
Security
Security/collateral, if applicable, will be as per product design, borrower profile and sanction terms.
Rate of Interest & Fees
Interest rate and applicable charges are linked to NABKISAN policy and revised from time to time.
Repayment Period
Repayment schedule is aligned to activity cash-flow and sanctioned tenure.
Moratorium, where applicable, shall be as per sanction terms.