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Canara
- Agricultural DRI Loans
Loans can be considered for both working capital and term loan for any agricultural /allied activity as per our various schemes under agricultural finance.
- The family income of borrower from all sources should not exceed Rs.24000/-p.a. in urban and semi-urban areas, Rs.18000/- p.a. in rural areas.
- The size of the land holding should not exceed 1 acre irrigated land or 2.5 acres un-irrigated land. However, borrowers belonging to SC/ST are eligible for loan irrespective of their land holdings.
- The applicant should not have availed any financial assistance from other financial institutions.
- The applicant should not engage any paid employees on regular basis for the activity. However, assistance from family members or joint partners can be availed.
| Quantum of Loan | Loans upto Rs. 15000/- for agricultural purpose and Rs. 20,000 for housing purpose, can be granted underthe scheme either in the form of working capital or term loan |
| Margin | Nil |
| Security | Hypothecation of moveable assets created out of Bank finance will form the security for this loan. |
| Other Conditions | Simple rate of interest at 4% p.a. should be charged for the loan |
| Repayment Period | To be repaid within 36 months without any repayment holiday and interest is to repaid along with installment. |
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