Agricultural Finance Schemes

Agriculture being the backbone of the Indian Economy, Baroda U.P. Bank, is contributing significantly in accelerating the pace of rural development by providing finance to farmers by way of following agriculture products.

Kisan Credit Card (KCC)- Empowering the farmer: The KCC facility designed exclusively for the benefit of the farmers aims to provide them the opportunity to manage and utilise their funds in the manner they deem fit. KCC provide hasselfree adequate and timely financial support to farmers for their production needs e.g. purchase of quality inputs,, farming expenses towards farm maintenance, unforeseen family expenses (consumption) and maintenance of non-farm activities.

Purchase of agricultural implements including indigenous improved ones being utilised for field operations including harvesting/sorting/grading. Purchase of agricultural machinery like tractors, power-tillers, etc. either by farmers having larger holdings with irrigation facilities or group of farmers with irrigation facilities.

Purchase of second hand tractors to provide opportunity to farmers having a small land holding who can not afford to purchase new tractors. Production credit for raising various crops from the point of preparatory tillage till harvesting, for land owners or permanent tenants or lease holders or share croppers.

Development of irrigation facilities, covering sinking of wells/bore wells, lifting of water by installation of pump sets, transporting of water through field channels, water saving system like drip irrigation/sprinkler irrigation etc. for farmers .

Extending working capital needs to dealers / distributors/traders of agricultural inputs like seeds, fertilisers etc. live stock inputs like cattle feed, medicine etc. and supply of agriculture machinery/ irrigation system. Setting up of Agri clinic and Agribusiness centre by agriculture graduates. Construction/Expansion/modernisation/Renovation of Rural Godown/Cold storage.

Development of horticulture including production, processing and marketing of various fruits, vegetables, plantation and flowers, which cover from nursery to the point of market, by individual farmers, firms, organisation like co-operative societies etc. and which covers both long term and short term requirement.

Development of land like bunding, terracing, levelling etc. and reclamation of saline, alkaline, ravine soils by farmer or through SHGs.
Development of allied activities to agriculture like dairy, poultry , fisheries, sericulture, mushrooms, apiculture etc. by production , processing and marketing by farmer, land less labourers, firms, organisations, like co-operative societies etc .finance by way of long term nature and short term nature is being extended.

Financing Scheduled Caste & Scheduled tribes, can be financed for purchase of farm implements irrigation pair of bullocks etc.

• Kisan Credit Card (KCC)
• Farm Machanisation
• Deep Boring Scheme
• Dairy Development
• Pisci culture
• Vermi Compost (Kisan Khad Yojna)
• Setting up of Kisan Sewa Kendra
• Kisan Over draft Scheme
• Purchase of Old Tractors
• Land Purchase scheme
• Goattery/Sheep Breeding
• Poultry
• Two Wheeler Scheme for Farmers
• Agriclinics & Agri.business centre (ACABC)
• Krishi Samagri Vyavsayi Yojna

1 DAIRY PROMOTION : To promote rural dairy entrepreneurs who are basically farmers, we have various schemes like our bank's own Dairy development Scheme,
Security : No collateral security Upto Rs. 1.60 Lac finance. For financing more than Rs. 1.60 Lacs, we just require Simple mortgage of Agriculture Land
2 TRACTOR AND OTHER AGRICULTURE IMPLEMNETS : You want to purchase tractor, harvester, rotavator or any other agriculture implement, come to our nearest branch to your residence. Easy finance with the simplest of terms and conditions.
Security : Simply against the simple mortgage of agriculture land. No Collateral Security upto Rs.1.60 Lacs.
Repayment : To facilitate you, we provide repayment schedules as long as 9 years subject to type of vehicle.
3 FISHERIES : Welcome the blue revolution. Enjoy finance on easy terms. We also provide finance for the Fisheries schemes with subsidy, sponsored by National Fishery Development Board (N.F.D.B.)
4 KISAN CREDIT CARD( Smart Card cum Debit Card) : As per guidelines of GOI, we issue Smart Card cum Debit Card to our farmers enjoying Kisan Credit Card facility. Limit is issued as per NABARD guidelines , with a provision of 10% annual increase for 5 years. It comprises of production credit loan as well as term loan for catering various types needs of farmers. Visit our nearest branch to your residence for detailed information.
(1.50% Interest subvention & 3% Additional Incentive for Prompt Recovery is presently admissible for crop loans upto Rs.3.00 lacs extended to farmers @7% p.a.) subject to continuation by GOI.)
5 POULTRY DEVELOPMENT : They say, SUNDAY HO YA MONDAY ROJ KHAO ANDE, We say : to produce them, Take finance from us any day. We have suitable schemes for financing to Broiler as well Layers to promote the entrepreneurs in this sector.