All Farmers Individuals / Joint who are owner cultivators.
Tenant Farmers, Oral Lessors & Share croppers.
Partnership firms / Pvt. & Public Company Ltd. Companies engaged in Agri. Or allied activities.
SHG / JLGs of farmers including Tenant farmers & share croppers.
Registered GPA holders of farmers.
Short term credit for crop cultivation including post-harvest marketing expenses.
Consumption requirement.
W/c for maintenance of farm assets, W/c for allied activities.
Fixation of limit
Scale of Finance X Area cultivated
10% limit for post-harvest / consumption
20% for maintenance of farm assets
Crop Insurance + PAIS
Above shall be counted for 1st year.

For 2nd, 3rd, 4th & 5th years : Limit for previous year + 10% increase subject to Scale of Finance.
Repayment
Tenable for 5 years subject to Annual review.

Security Norms
Up to Rs.200000/- - Hypothecation of crops created out of loan
Hypothecation of crops
Charge creation in Bhoomi
Above Rs. 2.00 lakhs
Hypothecation of crops
Mortgage of Land
Above Rs. 2.00 lakhs : SMT / EMT along with the above said norms


PAIS (Personal Accident Insurance Scheme)
Mandatory for upto 70 Years