PSL 3 – Agriculture schemes – part 2

PS 3d CORP KISAN VEHICLE LOAN YOJANA (CKVLY)

7.1 Purpose:
a] To facilitate farmers/planters to acquire vehicle for timely supply of inputs,
required for agricultural operations/ allied activities, transport of agricultural
produce and to undertake visits for farm supervision etc.

b] Second hand vehicles (not more than 3 years old from the date of Registration.) can
also be financed under the Scheme.

c] Considering the viability of the proposal, more than one vehicle may be financed.

7.2 Eligibility:
Farmers/planters who satisfy the normal eligibility criteria for bank lending and are
capable of servicing the Bank loan are eligible for coverage under the scheme.

7.3 Loan amount / Nature of Facility:

Maximum 90% of the cost of the vehicle + accessories+ registration charges +Insurance
amount for purchase of new vehicles OR the eligibility amount worked out as per the
following formula whichever is less.

7.4 Assessment of Credit Limit:

While assessing the quantum of loan eligible for the borrower, total income from all
sources i.e.both farm and non- farm income shall be considered. Declaration of
income by the farmer subject to the satisfaction of the Branch Manager, will be
considered sufficient proof of assessment of gross income of the borrower.

Declared gross annual income: [A]

Less: Sustenance expenses for the family [B]
Less: Existing loan repayment obligations, if any [C]
Net surplus available: [A]–[B]–[C] = [E]

Based on the net surplus, arrived as above, the sanctioning authority can decide on
the quantum, period and repayment of loan

In respect of second hand vehicles maximum 75% of the cost of the vehicle as per
valuation report of the Bank’s approved valuer subject to a maximum amount of Rs
8.00 lakh OR the eligibility amount so arrived at as per the above methodology
whichever is less will be the maximum quantum of loan that can be sanctioned under
the scheme.

7.5 Disbursement:
Entire loan amount together with margin should be remitted directly to the
dealer/supplier /seller of second hand vehicle.
7.6 Margin:
In case of new vehicle, 10% of the cost of the vehicles (including insurance, tax
accessories etc.). For second hand vehicles, margin at the rate of 25% of the valuation
as assessed by banks approved valuer.

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7.7 Rate of interest:
As per prevailing guidelines from time to time.

7.8 Security:
Hypothecation of the vehicle financed out of bank loan

7.9 Repayment:
The loan will be repayable in 5 to 7 years from the date of disbursement, depending
on the income generation capacity of the borrower. The repayment programme should
be fixed taking into account the sustenance requirements and the existing loan
repayment obligations of the borrower and the surplus available for repayment of the
proposed facility. The periodicity of the repayment may be fixed at
monthly/quarterly/ half yearly/yearly instalments depending upon the cropping
pattern/income stream of the borrower. The interest should be repaid along with
instalments. The fixing of repayment of loan instalment should coincide with the
harvesting /marketing period of agriculture crops/produce/income generation from
allied activities etc.

7.10 Processing Charges:

As per the prevailing guidelines from time to time.

7.11 Classification:
To be classified as direct finance to agriculture. The nomenclature of the account
should be given as CKVLY.

7.12 Delegated Lending Power:

As per the Scheme for delegation of lending powers

7.13 Other Terms and Conditions:

The vehicle financed should be comprehensively insured for full value during the loan period.
The insurance policy with our Bank’s hypothecation clause, should be held with the loan
documents.

Bank’s lien should be noted in the RC Book of the vehicle. Invoice should be in the name of
Corporation Bank Branch of the borrower.

Certified copy of RC book and duplicate keys of the vehicle should be held along with the loan
documents.

All other terms and conditions applicable for the Hire Purchase loans shall be complied with.

Note: For details refer HO Circular:

a) 243/2003 dated 30.06.2003
b) 405/2003 dt.13.10.2003
c) 763/2009 dated 14.11.2009
d) 881/2011 dated 28.12.2011
e) 640/2013 dated 23.10.2013
f) 152/2014 dated 04.03.2014

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PS 3g SCHEME FOR REIMBURSEMENT OF DEVELOPMENTAL
EXPENDITURES INCURRED BY THE FARMERS (SRDE)
10.1 Purpose:

Reimbursement of up to 85% of the investment made by the applicant, during the past
one year for specified approved purposes as indicated BELOW.

List of approved purposes eligible under SRDE

(i) Purchase of agricultural implements and machinery

(a) Purchase of agricultural implements - Iron ploughs, harrows, hose, land-levellers,
bundformers, hand tools, sprayers, dusters, hay-press, sugarcane crushers, thresher
machines, etc.
(b) Purchase of farm machinery - trailers, power tillers, tractor accessories viz., disc
ploughs, etc.
(c) Purchase of bullock carts and other transport equipment, etc. to assist in farm
supervision, transportation of agricultural inputs and farm products.

(ii) Development of irrigation potential through –

(a) Construction of shallow and deep tube wells, tanks, etc., and purchase of drilling
units.
(b) Constructing, deepening clearing of surface wells, boring of wells, electrification of
wells, purchase of oil engines and installation of electric motor and pumps.
(c) Purchase and installation of turbine pumps, construction of field channels (open as
well
as underground), etc.
(d) Installation of sprinkler irrigation system.
(e) Purchase of generator sets for energisation of pumpsets used for agricultural purposes.

(iii) Reclamation and Land Development Schemes

Bunding of farm lands, levelling of land, terracing, conversion of dry paddy lands into
wet irrigable paddy lands, wasteland development, development of farm drainage,
reclamation of soil lands and prevention of salinisation, reclamation of ravine lands.

(iv) Construction of farm buildings and structures.

Bullock sheds, implement sheds, tractor and truck sheds, farm stores, which may also
include construction of farm house/ farm shed.

(v) Construction and running of storage facilities

Construction and running of warehouses, godowns, silos and for establishing cold
storages
used for storing own produce.

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10.2 Eligibility:

a) All the farmers dealing with our Bank. Farmers dealing with other banks, who
are totally shifting their dealings to our bank can avail the loan, provided the
loan accounts are regular (standard assets).
b) Only farmers having cleared the earlier loans in the normal course without
extending of concessions by the branches will be eligible.
c) Tenant farmers and Share croppers are not eligible.

10.3 Loan amount:

Maximum loan that can be sanctioned under the scheme is limited to Rs 3.00 lakh in
plain areas where agricultural crops are grown and Rs. 5.00 lakh in Malnad belt where
horticultural and plantation crops are grown.

10.4 Nature of Facility:

Term Loan subject to review every year.

10.5 Margin:

15% of the project cost

10.6 Rate of interest:

As per the prevailing guidelines from time to time

10.7 Security:

i) Equitable mortgage of land property (by the farmer/ close family relatives)
covering two times the quantum of loan.

ii) Third Party Guarantee, at the discretion of the Branch Manager.

10.8 Repayment:

Repayable within 3-5 years, installments coinciding with the harvest and marketing of
the crop grown by the farmer in quarterly/ half yearly/ yearly installments with the
initial repayment holiday of 6 months.

10.9 Processing Charges:

As per the prevailing guidelines.

10.10 Nomenclature:SRDE

10.11 Delegation of Lending Powers:

As per scheme of delegation of lending powers

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10.13 Other Conditions:

 The applicant has to submit a declaration to the effect that he has not availed/will
not avail financial assistance from any Bank for the same purposes for which loan has
been sanctioned by our branch.

 Bills and vouchers need to be obtained for the loan amount proposed against purchase
of machinery and equipments/ undertaking developmental expenses.

 In case of genuine difficulty wherein the applicant is unable to produce bills/

vouchers, the reasonableness of the expenditures incurred may be verified to the
satisfaction of the Branch Manager. Further, a declaration for having incurred the
expenditures to be obtained from the applicant.

 Additional credit facilities, if any, sought by the applicant subsequent to the present
loan, may be assessed based on the repayment capacity of the borrower and
additional income likely to be generated from the proposed activity.

 Double finance should not be done for the same purpose.

Note: For details refer HO Circular:

84/2007 dated 06.02.2007
512/2007 dated 11.07.2007

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PS 3h SCHEME FOR FINANCING OF FARMERS CULTIVATING ON LEASED
LAND ALONG WITH SELF CULTIVATION ON OWN LAND UNDER KISAN
CREDIT CARD (CCCKL)

11.1 Purpose:
To meet short term production credit requirement only, under Kisan Credit
Card Scheme.

11.2 Eligible Borrowers:

Individual farmers who are owning cultivable land and cultivating on leased land,
along with self-cultivation on own land.

11.3 Loan amount

The Scale of finance as approved by District Level Technical Committee (DLTC) or

State Level Technical Committee (SLTC) will be considered to determine the eligible
loan amount.

# In addition to the above, the following are included: (HOC 673/2016 dated
27.10.2016)

a. For loan amount of above Rs.50.00 lakhs, specific permission tobe obtained from
the Circle General Manager. .
b. Minimum 2 years of un‐ expired lease period should be ensured.
c. Overall limit will be fixed as per the existing CCCK guidelines.

11.4 Rate of Interest:

As per the prevailing guidelines from time to time

11.5 Security:
Up to Rs.1.00 lakh--Hypothecation of the crop

Limit above Rs.1.00 lakh: (HOC 673/2016 dated 27..10.2016)

1) Hypothecation of the crop

2) Mortgage of land owned by the cultivating farmer of value at least 1.50 times of the
loan amount(Overall limit) (Modified from earlier 1.33 times vide HOC 673/2016 dated
27.10.2016)

# The value of land has to be arrived based on the following criteria:

a. Branches can consider the value of the land to be mortgaged based on the Guidance
value/ Circle rate fixed by the Sub‐Registrar /State Government or Market Value based
on the valuation report,whichever is lower, provided the value of the land arrived is
at least 1.50 times of the overall limit of loan irrespective of the ageof the guidance
value.

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 (Irrespective of the age of the guidance value, Branches have to consider the value of
the land to be mortgaged based on the Guidance value/ Circle rate fixed by the
Sub‐Registrar / State Government or Market Value based on the valuation report,
whichever is lower, & the Value of the Mortgaged land owned by the cultivating
farmer should be at least 1.50 times of the loan amount (Overall Limit)].

b. In cases where the value of the land owned by the cultivating farmer is less than
minimum value stipulated 1.50 times of overall limit], then collateral security by
mortgage of other immovable property owned by the farmer or any close relative/s
may be obtained.

OR /and

Security of other financial assets such as NSC or LIC policy may be obtained to ensure
minimum security coverage of 1.33 times as per the scheme guidelines.

[Note: Wherever property of any close relative is taken as security, such person should
be taken as guarantor for the loan.

Close relative/s for the purpose shall be Father, Mother, Spouse, Son, Son’s spouse,
Daughter, Daughter’s spouse, Brother, Brother’s spouse, Sister, Sister’s spouse].

11.6 Disbursement:
Revolving cash credit facility. There should be no restriction on number of debits and
credits.[refer HO Cir. No.530/2012 dated 21.09.2012 for more details]

11.7 Repayment:
Revolving Cash Credit Facility. The repayment period may be fixed by banks as per the
anticipated harvesting and marketing period for the crops for which loan has been
sanctioned.

11.8 Processing Charges : As per the prevailing guidelines.

11.11 Delegated Lending Powers

As per the Scheme for Delegation of Lending Powers.

11.12 Other terms and conditions:

 Loans has to be extended to those farmers only having cultivable land in their
name and the Leased land has to be considered only for calculation of eligible
credit limit along with land owned by the farmer.
 Lease Agreement – should be in writing and it should be REGISTERED. Due‐Diligence
of such lease should be done along with verification of land records of lessor.
 In the case of leased land of family members, Lease Agreement should be
obtained and it should be REGISTERED.. Irrespective of whether the lessor is
family member or third party. Registered Lease agreement should be invariably
obtained in all cases (Family Member for this purpose will include Father, Mother,
Brother, Sister, Son and Daughter only).

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  The KCC limit has to be fixed considering the cultivable land owned by the farmer
and land available on lease. Scale of finance approved by District Level Technical
Committee (DLTC) or State Level Technical Committee (SLTC) has to be
considered to determine the eligible loan amount
 Overall limit has to be fixed as per existing CCCK guidelines, provided unexpired
lease period is sufficient to cover the loan period
 Branch should obtain latest lease rental receipt every year.
 Only short term credit component has to be considered under the Scheme.
 All other terms and conditions applicable for Kisan Credit Card under prevailing
CCCK Scheme guidelines has to be followed in financing under the Scheme.
 The Branch should strictly carry out pre‐ sanction inspection of the leased land,
verify the land records and ensure that the lessor is the true owner of the land as
described in the Lease agreement and the lessee (Intending borrower) is
cultivating the Land on lease basis.
 Land records pertaining to leased land should be kept along with loan documents.
 Loan amount should be worked out strictly based on the actual crop grown / to be
grown.
 Loan amount should be disbursed in stages and end use of funds should be strictly
ensured.
 In genuine cases wherever farmers are finding it difficult to produce Registered lease
agreement, in such cases: “Fresh Notarized lease agreements in lieu of Registered
lease agreement may be obtained irrespective of whether the lessor is family member
or third party, only in case of renewal of existing satisfactorily operated CCCKL loan
accounts at the same level without any enhancement even after completion of five
years from the date of first sanction subject to obtention of fresh document and
opening new account”.
Note: For details refer HO Circular:
158/2013 dated 08.03.2013
152/2014 dated 04.03.2014
350/2014 dated 21.05.2014
673/2016 dated 27.10.2016
216/2017 dated 12.04.2017
534/2018 dated 06.09.2018
PS 3i CORP POTATO GROWERS CREDIT CARD SCHEME [CPCCK]
12.1 Purpose:

To meet short term production credit requirement of Potato growers under Kisan Credit
Card Scheme.

12.2 Eligible Borrowers:

Individual farmers/ Farmers having land in joint names/ Tenant Farmers forming Joint
Liability Groups.

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12.3 Loan amount:

Production Credit: Scale of finance for the crop [as decided by the District Level
Technical Committee] x Extent of area cultivated (Branch Manager/Sanctioning Authority
is permitted to accept up to 20% upward/downward variation in the prescribed scale of
finance /unit cost as per HO Circular No. 32/2010 dt.11.01.2010
+

Post Harvest Expenses: 15% of the production credit towards post-harvest

+

Repairs and maintenance expenses of farm assets & activities allied to agriculture:
15% of the Production credit
+

Consumption limit: 30% of production credit to meet domestic /household

expenses/consumption requirements/family labour cost etc., subject to maximum limit
of Rs.15.00 lakh
+

Crop insurance, PAIS and asset insurance.

Limit for the second and subsequent years has to be arrived /fixed as per existing
CCCK guidelines. Overall limit has to be fixed as per the existing CCCK guidelines.

12.4 Rate of interest: As per the prevailing guidelines from time to time

12.5 Security:

Up to Rs.1.00 lakh--Hypothecation of the crop

Limit above Rs.1.00 lakh:

1) Hypothecation of the crop and other Movable assets
2) Mortgage of land owned by the cultivating farmer or Suitable Third party guarantee.

12.6 Disbursement:

Revolving cash credit facility. There should be no restriction on number of debits and
credits

12.7 Repayment:

Revolving Cash Credit Facility and the limit is valid for 05 years subject to annual
review/renewal. The repayment period may be fixed by banks as per the anticipated
harvesting and marketing period for the crops for which loan has been sanctioned.

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12.8 Processing Charges:

As applicable to loans under CCCK Scheme.

12.9 Delegated Lending Powers:

As per Scheme for delegation of Lending Powers

12.12 Other Terms and conditions:

a. Other crops cultivated by the farmer is also to be considered in arriving the eligibility
for
working capital limit.

b. ATM enabled Rupey Debit cards should issued to all the eligible beneficiaries/ farmers
availing working capital limit for cultivation of crop under CPCCK.

c. The working capital limit (CPCCK) is valid for 05 years subject to annual review as per
existing CCCK guidelines.

d. The assets created out of Bank finance should be insured as per the prevailing
guidelines.

Note: For details refer HO Circular:

388/2013 dated 10.07.2013
76/2014 dated 31.01.2014
94/2015 dated 09.02.2015

PS 3 j CORP POTATO GROWERS TERM LOAN SCHEME [CPCTL]

13.1 Purpose:
To Purchase Farm equipment, transport vehicles, pickup van/truck etc

13.2 Eligible Borrowers:

Individual farmers/ Farmers having land in joint names/ Tenant Farmers forming Joint
Liability Groups.
13.3 Loan amount:
To be assessed on case to case basis. Maximum Loan amount under the Scheme will be
Rs.25.00 lakh.

13.4 Margin:
15% of Invoice value + Insurance + Registration charges.

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13.5 Rate of interest:
As per the prevailing guidelines from time to time

13.6 Security:
Up to Rs.1.00 lakh--Hypothecation of the crop and assets created out of Bank Finance.

Limit above Rs.1.00 lakh:

1) Hypothecation of the crop and assets created out of Bank Finance.

2)Mortgage of land owned by the cultivating farmer or Suitable Third party

Guarantee.
13.7 Disbursement:
Directly to the dealer/seller

13.8Repayment:
Repayable within 07 years in Quarterly/Half yearly/Yearly instalment based on the
income generation /Cash flow of the applicant.

13.9Processing Charges:
As per the prevailing guidelines.

13.10Delegated Lending Powers:

As per Scheme for delegation of Lending Powers

Note: For details refer HO Circular:

388/2013 dated 10.07.2013
94/2015 dated 09.02.2015

PS 3k CORP HI-TECH FLORICULTURE LOAN SCHEME [CHFLS]

14.1 Purpose:

Financing Hi-Tech cultivation of flower crops, vegetable crops and other high value crops
under protected cultivation (Poly /Green house) conditions only.

14.2 Eligible Borrowers:

a] Individual farmers, entrepreneurs, Proprietary/Partnership Firms, Companies,

organizations/ promoters such as NGOs, Corporations, Cooperatives and all other
category of beneficiaries meeting the normal borrowal standards of the Bank.

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 b] Farmers/Borrowers dealing with other banks can avail the loan under the Scheme,
provided their loan accounts with other Banks are regular.

c] Farmers/ Borrowers dealing with other banks, who are shifting their dealings to our
bank can avail the loan, provided the loan accounts are regular subject to compliance of
take over norms of the Bank.

d] Tenant Farmers and share croppers are not eligible.

14.3 Nature of Facility:

Term Loan (secured)

14.4 Loan amount:

To be assessed on case to case basis.

14.5 Margin:

15% of Invoice value + Insurance + Registration charges.

14.6 Rate of interest:

As per the prevailing guidelines from time to time

14.7 Security:
Up to Rs.1.00 lakh--Hypothecation of the crop and assets created out of Bank Finance.

Limit above Rs.1.00 lakh:

1) Hypothecation of the crop and assets created out of Bank Finance.

2) Mortgage of land where the proposed floriculture unit is set up by the applicant along
with proposed superstructures [excluding plant and machinery & other movable
assets] with a minimum value of at least 1.33 times of the loan amount].

3] In cases where the value of the land owned by the cultivating farmer is less than
minimum value stipulated as above, then collateral security by mortgage of other
immovable property owned by the farmer or any close relative/s may be obtained.

OR /and

4] Security of other financial assets such as NSC or LIC policy may be obtained to ensure
minimum security coverage as per the scheme guidelines.

Note: [1] Valuation of the property to be mortgaged should be done by the empanelled
valuers of the bank.

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 [2] Wherever property of any close relative is taken as security, such person should be
taken as guarantor for the loan.

Close relative/s for the purpose shall be Father, Mother, Spouse, Son, Son’s spouse,
Daughter, Daughter’s spouse, Brother, Brother’s spouse, Sister, Sister’s spouse.

14.8Guarantee:

a] Personal guarantee of the promoter/s

b] Suitable Third party guarantee may be insisted based on the Branch’s risk perception.

14.9 Subsidy:

The loan can also be sanctioned under subsidy linked scheme of National Horticulture
Board or any such Agency. In such cases all the guidelines and conditions stipulated by
NHB or any such agency should be adhered in addition to the conditions stipulated in the
CHFLS Scheme guidelines.

14.10 Disbursement:

To be released in stages as per the progress of the Project.

14.11 Repayment:

Repayable within 07 years in Monthly/ Quarterly installments based on the income

generation /Cash flow of the applicant with maximum repayment holiday of one year.

14.12 Processing Charges:

As per the prevailing guidelines.

14.14 Delegated Lending Powers:

As per Scheme for delegation of Lending Powers

14.16 Other Terms and Conditions:

a] The minimum area under proposed cultivation of flowers should be at least 1000 sq.
Meter.
b] The borrowers should submit the project report along with relevant quotations,
plan, estimates etc.

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 c] Indicative unit cost prescribed by National Horticulture Board may be taken as
reference in assessing the proposal. However, the Branch Manager/ Sanctioning
Authority may consider up to maximum of 20% upward or downward variation in the
unit cost, strictly while assessing the proposal on merits as per HO Circular No.32/2010
dt.11.01.2010.

d] If the loan is sanctioned under subsidy linked scheme of National Horticulture

Board or any such agency,all the guidelines and conditions stipulated by NHB or any
such agency should be adhered in addition to the conditions stipulated in the CHFLS
Scheme guidelines.

e] Only term loan should be sanctioned subject to review every year.

f] The assets created out of Bank finance should be insured as per the prevailing
guidelines.

g] The branch should obtain estimates, Quotations, invoices/bills and vouchers for land
development, purchase of machinery, equipment etc.

Note: For details refer HO Circular:

491/2013 dated 14.08.2013
152/2014 dated 04.03.2014

PS 3l SCHEME FOR FINANCING SHGs UNDER KISAN CREDIT CARD

SCHEME [CKSHG]

15.1 Purpose:

To meet short term production credit requirement of self help groups taking crop
production activity under Kisan Credit Card Scheme.

15.2 Eligible Borrowers:

Self Help Groups of individuals/ Tenant farmers for taking up crop production activity.

15.3 Loan amount:

Production Credit: Scale of finance for the crop [as decided by the District Level
Technical Committee] x Extent of area cultivated (Branch Manager/Sanctioning Authority
is permitted to accept up to 20% upward/downward variation in the prescribed scale of
finance /unit cost as per HO Circular No. 32/2010 dt.11.01.2010
+

Post Harvest Expenses: 15% of the production credit towards post-harvest

+

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 Repairs and maintenance expenses of farm assets & activities allied to agriculture:
15% of the Production credit
+

Consumption limit: 30% of production credit to meet domestic /household

expenses/consumption requirements/family labour cost etc., subject to maximum limit
of Rs.15.00 lakh
+

Crop insurance, PAIS and asset insurance.

Limit for the second and subsequent years has to be arrived /fixed as per existing CCCK
guidelines.
[Maximum overall /outer limit that can be sanctioned under the scheme is Rs.20.00
lakhs per group.]
15.4 Rate of interest:

As applicable to CCCK loans.

15.5 Security:

a) Up to Rs.1.00 lakh :Hypothecation of the crop

b)Limit above Rs.1.00 lakh provided per capita exposure is not exceeding Rs.50000:

1] Hypothecation of crop
2] Guarantee of all individual members of the group.
c) Above Rs.1.00 lakh & per capita exposure is exceeding Rs.50000/-:
1] Hypothecation of crop
2] Guarantee of all individual members of the group
3] Mortgage of the land owned by the individual member who is availing the limit above
Rs.50000/- should be ensured.

15.6 Disbursement:

As applicable to CCCK advances

15.7 Repayment:

As applicable to CCCK advances

15.8 Processing Charges:

As applicable to CCCK advances

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15.9 Delegated Lending Powers:

As per Scheme for delegation of Lending Powers

15.11 Other Terms and Conditions:

a] Maximum overall /outer limit that can be sanctioned under the scheme is Rs.20.00
lakhs per group.
b] The loans should be extended to self help groups taking up crop production activities
on the lands owned by their members or on leased land by way of written lease
agreement or by oral lease.
c] Tenant Farmers forming Self Help Groups are also eligible for availing the loan under
the scheme.
d] The self help groups are eligible to avail loan to meet the working capital
requirement for crop production purpose only.
e] Group should be in existence for at least six months.
f] The group should have actively promoted the savings habit.
g] Group should secure ‘excellent’ rating in 12 to 16 rating indicators.
h] In case of few members of SHGs and /or their family members are defaulters to the
Bank, bank can consider the proposal provided the SHG is not utilizing the bank loan for
financing the defaulting member to the Bank.
i] The SHG should submit a declaration/affidavit [as per Annexure-15-1] regarding
cultivation of land on leased land by way written lease agreement or by oral lease
indicating the village name, Sy.No., extent of land cultivated, crops grown etc followed
by verification by the Branch Officials. The group should maintain the crop details of
each member.
j] Branch should ensure that, the loan limit is arrived strictly as per scale of finance
applicable for the crops grown and corpus/savings held by the SHG need not be the basis
for arriving the loan amount.
k] In case of SHG taking up the crop production activity on the land owned by the
members of the group where the land records are available, the same have to be held
with loan documents.
l] ATM enabled Rupey Debit cards should not be issued to the beneficiaries availing
working capital limit for cultivation of crop under the scheme.
m]The working capital limit (CKSHG) is valid for 05 years subject to annual review as per
existing CCCK guidelines or till the expiry of lease period whichever is earlier.
n] All the other scheme guidelines communicated vide HO Circular No.530/2012
dt.21.09.2012 regarding CCCK scheme should be complied.
Note: For details refer HO Circular:
710/2013 dated 28.11.2013
76/2014 dated 31.01.2014
*************

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