Working Capital Loan
For business operations including procurement and distribution of agricultural inputs, produce aggregation, marketing and related working capital needs.
Purpose
Loan purpose
Term Loan
For infrastructure and asset creation related to agri and allied activities, storage, processing and community-level facilities.
Other Eligible Activities
Any viable business activity supporting income generation and service delivery for members, as per NABKISAN policy norms.
Eligibility
Who can apply
- Registered PACS / cooperative entities as per applicable legal framework.
- Should have operational track record and required governance setup.
- Audited financial statements and satisfactory business performance as per assessment norms.
- No active default with lenders and satisfactory credit history.
- Compliance with statutory and regulatory requirements (licenses/registrations as applicable).
- Business plan and cash-flow suitability for the proposed facility.
Terms
Security, interest & repayment
Security
Security structure may include hypothecation/charge on receivables or assets, collateral support, guarantees and other comfort acceptable to NABKISAN.
Rate of Interest & Processing Fee
Rate of interest and processing fee are linked to NABKISAN ALCO borrowing rate and the prevailing NABKISAN interest rate policy, applicable from time to time.
Repayment Period
Repayment tenure depends on loan type, activity cash-flow and sanction terms.
Moratorium, if any, as per sanction conditions.