Producer Organisation
Type of Loan
  • Term loan
  • Working Capital
  • Both
Purpose
  • Working capital, term loan for creation of infrastructure for storage, processing, marketing etc.
  • Bulk loan for on-lending for asset creation at member level
Eligible Institutions
  • FPOs existing for 1-2 years with at least one audited balance sheet for a financial year.
  • The PO should fall under “A+’ , ‘A’ or ‘B’ Category of POs based on NABKISAN rating tool
Minimum share capital
  • Rs. 2 lakh (minimum) for working capital loans
Margin
  • Minimum 15% for Working Capital and Term Loan
Security
  • Hypothecation of assets created out of loan and coverage under Credit Guarantee Scheme of SFAC/NABARD
Rate of interest
  • Linked to Weighted Average Cost of Borrowing of NABKISAN and as per the rate of interest policy of NABKISAN applicable from time to time.
Repayment
  • 18 months for WC and 7 years for term loans.
Loan amount
  • Up to 5 times of the net worth of the FPO
Processing fee
  • 1% of loan amount.
Insurance
  • Assets acquired out of the loan will be insured
Type of Loan
  • Term loan
  • Working Capital
  • Both
Purpose
  • Working capital, term loan for creation of infrastructure for storage, processing, marketing etc.
  • Bulk loan for on-lending for asset creation at member level
Eligible Institutions
  • FPOs whose age is more than 2 years from date of incorporation & Turnover in excess of Rs.25 lakh in the preceding year or average of preceding three years.
  • The PO should fall under “A+’ , ‘A’ or ‘B’ Category of POs based on NABKISAN rating tool
Minimum share capital
  • Rs. 2 lakh (minimum)
Margin
  • Minimum 15% for Working Capital and Term Loan
Security
  • Hypothecation of assets created out of loan and coverage under Credit Guarantee Scheme of SFAC/NABARD
Rate of interest
  • Linked to Weighted Average Cost of Borrowing of NABKISAN and as per the rate of interest policy of NABKISAN applicable from time to time.
Repayment
  • 18 months for WC and 7 years for term loans.
Loan amount
  • Up to 10 times of the net worth of the FPO. Maximum of 10 times for A+ and A rated FPOs.
Processing fee
  • 1% of loan amount.
Insurance
  • Assets acquired out of the loan will be insured
Type of Loan
  • Term loan
  • Working Capital
  • Both
Purpose
  • Working capital, term loan for creation of infrastructure for storage, processing, marketing etc.
  • Bulk loan for on-lending for asset creation at member level
Eligible Institutions
  • FPOs whose age is more than 2 years from date of incorporation, turnover in excess of Rs.100 lakh in the preceding year or average of preceding three years, no accumulated losses and Good credit history
Minimum share capital
  • Rs. 2 lakh (minimum)
Margin
  • Minimum 15% for Working Capital and Term Loan
Security
  • Hypothecation of assets created out of loan and coverage under Credit Guarantee Scheme of SFAC/NABARD
Rate of interest
  • Linked to Weighted Average Cost of Borrowing of NABKISAN and as per the rate of interest policy of NABKISAN applicable from time to time.
Repayment
  • 18 months for WC and 7 years for term loans.
Loan amount
  • Up to 20 times of the net worth of the FPO. Maximum of 20 times for A+ and A rated FPOs.
Processing fee
  • 1% of loan amount.
Insurance
  • Assets acquired out of the loan will be insured
Type of Loan
  • Pledge loan
Purpose
  • Loan against pledge of agricultural commodities
Eligible Institutions
  • FPO incorporated at least six months prior to submission of application having one audited balance sheet and falling under A+, A or B grade of NABKISAN rating tool.
Minimum share capital
  • Rs. 2 lakh (minimum) for working capital loans
Margin
  • Commodity specific margin amount. Margin of the commodities are decided on the basis of prevailing market price, any recent spike in the prices, price volatility and historical trends, shelf life, seasonality of crop and peer bank offerings
Security
  • Pledge of eNWR with lien noted in favour of NABKISAN 1
Rate of interest
  • Linked to Weighted Average Cost of Borrowing of NABKISAN and as per the rate of interest policy of NABKISAN applicable from time to time.
Repayment
  • 12 months
Loan amount
  • Value of the commodity minus commodity specific margin amount, subject to a maximum of Rs. 1 Crore
Processing fee
  • 1% of loan amount.
Insurance
  • The stock of commodity will be insured to full value and endorsed in favour of NABKISAN by the borrower.