Baroda Rajasthan Kshetriya Gramin Bank

BRKGB Kisan Credit Card/Animal Husbandary Scheme
BRKGB Saral Krishi Rin Scheme
BRKGB Krishak Vahan Rin Yojna
BRKGB Tractor and implements Loan Scheme
BRKGB Krishak Sampda Rak Rakhav Rin Yojna

BRKGB Kisan Credit Card/Animal Husbandary Scheme

Purpose

To meet the short term credit requirements for cultivation of crops
Post-harvest expenses
Working capital for maintenance of farm assets and activities allied to agriculture
Investment credit requirement for agriculture and allied activities
Consumption requirements of farmer household

Eligibility

Farmers - individual/joint borrowers who are owner cultivators
Tenant farmers, oral lessees & share croppers
Self Help Groups (SHGs) or Joint Liability Groups (JLGs) of farmers including tenant farmers, share croppers etc.

Most Important Terms & Conditions

Type of facility

Cash Credit/Term Loan

Limit

As per Scale of Finance approved by DLTC/SLTC
For term loan based on the unit cost and repaying capacity of the farmer.

Margin

For CC Limit (Crop/ Animal Husbandry) No Margin required
For Term Loan margin as per Bank Norms based on purpose

Repayment Period

Each Withdrawal under the Short term Limit should be liquidated in 12 Months, No withdrawal in the account should remain outstanding for more than 12 months.
Term Loan component will be normally repayable with in a period of 5 years depending on the type of Activity/investment as per existing guidelines applicable for investment credit.
Bank is authorized to make enquiries from any of the Credit Information Bureau and get the Credit Information Reports. Bank is also authorized to disclose from time to time any information relating to the loan to Credit Bureaus approved by Govt. of India or Reserve Bank of India without any notice to the borrower.

BRKGB Saral Krishi Rin Scheme

Purpose

To meet credit requirements of existing KCC Account Holder for the purpose of

Investment credit requirement for agriculture and allied activities
Consumption requirements
Emergency expenses

Eligibility

All existing KCC holder with good repaying habits as well as fresh KCC Applicant having irrigated/non-irrigated Agriculture land

Most Important Terms & Conditions

Type of facility

Overdraft/Term Loan

Limit

Max. Rs. 2.00 Lakh

Margin

Difference between eligible land value and sanction limit shall be treated as margin. No separate margin required

Repayment Period

Difference between eligible land value and sanction limit shall be treated as margin. No separate margin required
Difference between eligible land value and sanction limit shall be treated as margin. No separate margin required

Credit Information Report

Bank is authorized to make enquiries from any of the Credit Information Bureau and get the Credit Information Reports. Bank is also authorized to disclose from time to time any information relating to the loan to Credit Bureaus approved by Govt. of India or Reserve Bank of India without any notice to the borrower.

BRKGB Krishak Vahan Rin Yojna

Purpose

All Farmers having minimum 4 Acre irrigated/non-irrigated Agriculture land.

Eligibility

All Farmers having minimum 4 Acre irrigated/non-irrigated Agriculture land.

Most Important Terms & Conditions

Type of facility

Term Loan

Limit

Max. Rs. 1.00 Lakh for Two wheelers
Max. Rs. 20.00 Lakh for Four wheelers

Margin

Minimum 10% of cost of vehicle (Ex-showroom price+ Registration Tax+ Insurance)

Repaying capacity

Total annual deductions including 2 Instalment and interest for proposed loan should not exceed 65% of annual Income

Repayment Period

Max. 10 Half yearly Instalments

Credit Information Report

Bank is authorized to make enquiries from any of the Credit Information Bureau and get the Credit Information Reports. Bank is also authorized to disclose from time to time any information relating to the loan to Credit Bureaus approved by Govt. of India or Reserve Bank of India without any notice to the borrower.

BRKGB Tractor and implements Loan Scheme

Purpose

For purchase of tractor and implements.

Eligibility

All Farmers having minimum 4 Acre irrigated Agriculture land.

Most Important Terms & Conditions

Type of facility

Term Loan

Limit

90% of vehicle & implements cost.

Margin

Minimum 10% of cost of vehicle (Ex-showroom price+ Registration Tax+ Insurance)+ Implements.

Repayment Period

Max. 18 Half yearly Instalments

Credit Information Report

Bank is authorized to make enquiries from any of the Credit Information Bureau and get the Credit Information Reports. Bank is also authorized to disclose from time to time any information relating to the loan to Credit Bureaus approved by Govt. of India or Reserve Bank of India without any notice to the borrower.

BRKGB Krishak Sampda Rak Rakhav Rin Yojna

Purpose

Provides financial assistance to farmers for construction of different farm building structures for cattle, storage of cattle feed, garage etc.

Agriculture

BRKGB Kisan Credit Card/Animal Husbandary Scheme

Purpose

Eligibility

Interest Rate

Most Important Terms & Conditions

Type of facility

Limit

Margin

Repayment Period

BRKGB Saral Krishi Rin Scheme

Purpose

Eligibility

Interest Rate

Most Important Terms & Conditions

Type of facility

Limit

Margin

Repayment Period

Credit Information Report

BRKGB Krishak Vahan Rin Yojna

Purpose

Eligibility

Interest Rate

Most Important Terms & Conditions

Type of facility

Limit

Margin

Repaying capacity

Repayment Period

Credit Information Report

BRKGB Tractor and implements Loan Scheme

Purpose

Eligibility

Interest Rate

Most Important Terms & Conditions

Type of facility

Limit

Margin

Repayment Period

Credit Information Report

BRKGB Krishak Sampda Rak Rakhav Rin Yojna

Purpose

Eligibility

Interest Rate

Most Important Terms & Conditions

Type of facility

Limit

Margin

Repayment Period

Credit Information Report