CentralBank of India-Rural Agri Banking
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* Providing a medium - long term debt finances facility for investment in viable projects for post-harvest management Infrastructure and community farming assets through incentives and financial support in order to improve agriculture infrastructure in the country.




Farmers, Joint Liability Groups (JLGs), Farmers Producers Organizations (FPOs), Primary Agicultural Credit Societies (PACS), Marketing Cooperative Societies, Multipurpose cooperative Societies. Self Help Groups (SHGs), Agri entrepreneurs, startups and Central /State agency or Local Body sponsored Public Private Partnership Projects.


Nature of facility


* Term Loan




*10% of project cost




* Primary-
Hypothecation of assets created out of bank's finance.
* Collateral
- No collateral for limit upto Rs 2.00 Crore since advance will be covered under CGTMSE.
- For limits above Rs 2.00 Crore -Total value of collateral security should be at least 125% of the amount financed by Bank


Rate of Interest


Upto 2.00 Crore
Above 2.00 crore


6 Months MCLR + 1% Max 9%
As per Rating of Borrower


Interest Subvention


3% per annum upto a limit of Rs.2 Crore for maximum period of 7 years
Processing Charges


Up to Rs 2.00 crores : No processing Charges
Above Rs 2 Crore up to Rs 5 Crore: @ Rs 120/-per Lakh or part thereof Max Rs 50,000/-
Above Rs 5 Crore up to Rs 25 Crore: @ Rs 150/-per Lakh or part thereof Max Rs 3,00,000/-


Documentation Charges


Upto Rs 2 lakh- NIL
>Rs 2 Lakh to Rs 25 Lakh- Rs 50/- per Lakh Max Rs 1000/-
>Rs 25 Lakh to Rs 50 Lakh- Rs 75/- per Lakh Max Rs 3000/-
>Rs 50 Lakh to Rs 1 Crores- Rs 100/- per Lakh Max. Rs 7500/-
Above 1 Crore to Rs 100Crore-Rs 100/-per Lakh or part thereof Max Rs 15000/-

Inspection Charges

Up to Rs 2 lakh : Nil
More than Rs 2 lakh up to Rs 5 lakh : Rs 200/-
More than Rs 5 lakh up to Rs 50 lakh : Rs 500/-
More than Rs 50 lakh to Rs 1 Crore: Rs 2000/-
More than Rs 1 Crore to Rs 10 Crore Rs 3,000/-



* 7 years (including maximum moratorium 2 yrs).


For further details, please contact our nearest branch.

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