1. Water Resources

S. NoParticularsUnit SizeUnit Cost 2020-21(in Rs)Repayment Period including grace period (years)
1.Shallow Tube Wellhaving brush strainer with pump set5 HP62,50011-15 with grace of 2 years
2.Submersible pump set operated tube well (lowduty)3HP1,31,00010
3.Drip Irrigation (excluding pump set)8 x8mspacing (1 ha)32,0005
4.Drip Irrigation (excluding pump set)1.5 x 1.5m spacing (1 ha)1,11,0005
5.Drip Irrigation (excluding pump set)2.7x 2.7mspacing ( 1 ha)76,0005
6.Sprinkler irrigation1 Ha53,0005
7.Electrical pump-set3 HP25,5009 with grace of 1year
8.Electrical pump-set5 HP32,0009 with grace of 1year
9.Diesel pump-set3 HP26,5009 with grace of 1year
10.Diesel pump-set5 HP33,0009 with grace of 1year

Assumptions:

  1. Groundwater Structures
    1. block-wise assessment of groundwater
    2. Bank shall furnish block-wise details in refinance claims for construction of dug wells, bore wells, tube wells in the areas of “safe category”
  2. Minimum acreage of land to be brought under irrigation
  3. Sale of water – if the beneficiary’s own land is lesser than the area to be irrigated by dug well/ shallow tube WELL. 
  4. Selection & installation of pumps as per guidelines in BIS: 10804-1994
  5. In the event of seawater encroachment, no program shall be implanted within a belt of 2km parallel to the coast & 1km on either side of the stream affected by tide

Disclaimer: Notwithstanding the terms and conditions suggested above, banks may lay down specific Terms and Conditions as deemed fit.

2. Land Development.

Sl. No.ParticularsUnit SizeUnit Cost for 2020-21 (in Rs)Repayment Period– Years (Grace + Repayment Period)
1.Land levelling and shaping1 ha1,15,1005-7
2.Bench    Terracing    in sloppy regions1 ha2,38,0005-7
3.Tank Silt application for improving the soil productivity1 ha50,0005-7
4.Vermi-compost Tank10’x6’x2.5’28,4005-7
5.NADEP Compost Tank10’x6’x3’21,6005-7
6.Farm Pond – Model-I3             centexcavationin    12    cent land31,4008(1+7)
7.Farm Pond – Model-24             centexcavation in    16    cent land42,7008(1+7)
8.Farm Pond – Model-36             centexcavation in    24    cent land71,6008(1+7)
9.Farm Pond – Model-48             centexcavation in    33    centland95,0008(1+7)
10.Farm Pond – Model-520           cent excavation in 100 centland2,80,7008(1+7)

Assumptions:

  • Banks should ensure contour bunds are constructed as per the specification prescribed by the State Soil Conservation Department
  • The cost approved for average slope and loan amount for soil conservation/land development works should be restricted with reference to the actual slope of the land
  • The proposed land development / soil conservation works should be completed before planting of seedling
  • Banks’ Agricultural Engineer along with District Soil Conservation authorities should take up a monitoring study to ascertain the works have been carried out as per specifications or not

Disclaimer: Notwithstanding the terms and conditions suggested above, banks may lay down specific Terms and Conditions as deemed fit.

3. Farm Mechanization

Sl.No.ParticularsUnit SizeUnit cost for 2020-21 (in Rs.)Repayment Period in Years (Grace + Repayment Period)
1Tractor25-30 HP4,00,000 –5-7
   5,00,000 
  30- 45 HP5,50,000 –5-7
   7,25,000 
  More than5,77,000 –5-7
  45 HP11,20,000 
2.Second Hand Tractor35 HP3,85,0005-7
3.Power Tiller – alongwith equipment12 HP2,60,0005-7
4.Combined Harvester – Self Propelled1 Unit20,00,0007
5.Self-Propelled Paddy Reaper3.5 HP1,10,0005-7
6.Seed cum fertilizer drill– 11 tyne160,0007
7.Rotavator (6 feet)11,15,0007
8.Tractor drawn Axial11,15,000–7
 Flow Thresher 2,50,000 
9.Power Tiller Drawn Axial Flow Thresher170,4006
10.Automatic Potatoplanter11,05,0005-7
11.Zero Till Drill (Tractor mounted) – 9 tyne150,0005-7
12.Rotary Till Drill (Tractor mounted)11,50,0005-7
13.Bed Planter (Tractormounted)160,0005-7
14.Tractor mounted combined harvester(tractor cost excluded)50-70 HP4,95,000 –8,50,0005-7
15.Seed cum fertilizer drill– 11 tyne160,0007
9.Power Tiller Drawn Axial Flow Thresher170,4006
10.Automatic Potatoplanter11,05,0005-7
11.Zero Till Drill (Tractor mounted) – 9 tyne150,0005-7
12.Rotary Till Drill (Tractor mounted)11,50,0005-7
13.Bed Planter (Tractormounted)160,0005-7
14.Tractor mounted combined harvester(tractor cost excluded)50-70 HP4,95,000 –8,50,0005-7
15.Seed cum fertilizer drill– 11 tyne160,0007

Terms and conditions:

  • The costs of equipment’s are indicative and may vary depending upon the make, quality and size. The bank shall satisfy itself regarding cost of machine, cost of implements by verification of quotations, invoice and bills.
  • The machinery along with accessories shall be insured against accident risk, risk against fire and theft, covering entire loan period and relevant policy shall be assigned in bank’s favor and assignment duly registered with insured
  • The bank may satisfy itself with the selection of capacity of machinery and type of implements, based on estimated operational area of machinery, land holding of borrower, cropping pattern in the area, type of soils
  • The bank may satisfy itself that infrastructural facilities such as services and repair centers, supply of spare parts, fuel and lubricants on the operation of machinery and implements.

Disclaimer: Notwithstanding the terms and conditions suggested above, banks may lay down specific Terms and Conditions as deemed fit.

4. Plantation and Horticulture

  Sl.No.ParticularsUnit SizeUnit Cost for 2020-21 (in Rs)Repayment Period – Years (Grace + Repayment Period)
 1.Mango (Conventional) For Langra Variety1 acre80,00010 (5+5)
2.Mango-Amrapalli1 acre1,10,0008 (4+4)
3Guava1 acre41,0005 (3+2)
4.Lime1 acre57,0008 (6+2)
5.Papaya1 acre47,0003
6.Pineapple1 acre1,21,0004 (1+3)
7.Cashew1 acre51,00010 (6+4)
8.Coconut (Tall variety)1 acre52,00012 (7+5)
9.Banana (Giant Governor)1 acre55,0004 (1+3)
10.Banana (Tissue culture)1 acre63,0004 (1+3)
11.Tuberose0.04 Ha10,0003 (1+2)
12.Betel vine0.25 acre1,85,0007 (1+6)
13.Tea1 Ha3,92,00015 (4+11)
14.Large Cardamom1 Ha2,18,7007 (3+4)
15.Button Mushroom250sqft1,90,0004years (6 monthsmoratorium)
16.Oyster Mushr0om250sqft95,0004years(6 monthsmoratorium)
17.Beetle Vine var. Meethaunder Baroj Cultivation0.25 acre1,38,0007(1+6)
18.Hibiscus Cultivation – (Rosa sinensis)0.25acre15,0004 years
19.Apiculture-honey beerearing- Apis mellifera10 beehivemodel63,5005(1+4)
20.Naturally ventilated Polyhouse cultivation – Cut rose with coolingunit1 acre48,00,0005 years
21.Ber cultivation1 acre88,00010 years(4+6)
22.Mandarin Orange (varieties Nagpur mandarin Khasi mandarin, Kinnow, and local Darjeelingmandarin)1 acre1,28,00010 years(4+6)
23.Kiwi1 acre4,30,000 

Disclaimer: The cost mentioned are the indicative for the above activities and banks may while financing, may consider the actual cost, which varies with the varieties and in different location.

5. Animal Husbandry

Sl.No.ParticularsUnit Size (No of animals/ bird)Unit Cost for 2020-21 (in Rs)Repayment Period– Years (Grace + Repayment Period)
1.Crossbred Cows(CBC) yielding 8 litres milk per day1+11,32,0005
2.Improved Indigenous Cows Yielding 7 litres milk per day1+11,25,0005
3.Buffalo rearing average Yield 6-7 litres milk per day1+11,35,0005
4.Mini Dairy (CBC)3+23,49,0005
5.Mini Dairy (CBC)5+56,90,0005
6.Heifer Rearing139,0005
7.Broiler Farm : all inall out deep litter system500016,15,0006(5+1)
8.Layer Farm (1+1+3) : Cage System500022,50,0006 (1+5)
9.Broiler Farm : all in all out deep littersystem10002,25,2005
10.Duck Farm100F+15M42,0005
11.Goat Rearing Unit (Black Bengal)10F+1M72,0006 (1+5)
12.Goat Rearing Unit (Black Bengal)20F+2M1,30,0006 (1+5)
13.Sheep Rearing (Sahabadi/ Bonpala/ Garole)10F+1M72,0006 (1+5)
14.Sheep Rearing (Sahabadi/ Bonpala/ Garole)20F+2M1,40,0006 (1+5)
15.Piggery (Breeder cum fattener unit)3F+1M97,0005 (1+4)
16.Rabbit Rearing (Meat purpose)10F+2M93,0005
17.*Goat Breeding(100F+5M)100F+5M8,60,0006 (1+5)
 *new activity proposed under Unit cost (one of the sub-component of NLM Goatery)

Assumptions:

Banks may ensure that

  • Good quality cross breeds of cows or Graded Murrah Buffaloes yielding on an average 0f 9-10 Litres of milk(cows) / 7-8 Litres(buffaloes)
  • 6 months interval between purchase of two animals
  • Banks can finance hand operated Milking Machines for Mini dairy units

Regarding Heifer calf rearing

  • Cross breeds of Jersey & HF and Murrah Buffalo calves are supported
  • Calves at 3-4 months age are assisted
  • The activity is integrated with other  Activities  likE milch animals, vermicomposting etc, and not exclusive, unless large units are assisted

6. Forestry

S. NoActivityUnit sizeUnit cost 2020-21 (inRs)Repayment period in years(graceperiod+
1.Bamboo (4m x 4m incl. dripirrigation)1 ha.1,44,0007 (3+4) Harvesting the crop from Year-5, year-6, year-7 and year-8
2.Bamboo (6m x 4m incl. dripirrigation)1 ha.1,85,0007 (3+4) Harvesting the crop from Year-5, year-6, year-7 and year-8
3.Gamhar(includin g fencing)1 ha.1,49,00012(2+10) Harvesting the crop from Year-10,year-12 and year-15

7. Fisheries

Sl. NoActivityUnit SizeUnit Cost 2020-21 (inRs)Repayment Period (Grace + Repayment Period)
1.Fish farming in existing pond throughrenovation1.00 ha2,02,0005 years with 12 months grace period
2.Fish farming in newpond0.4 ha3,90,0009 years with 12months grace period
3.Integrated fish farming (fish cum duck)0.4 ha2,60,0005 years with 12 months grace period
4.Integrated fish farming (fish cum poultry)0.4 ha2,67,9007 years with 12 months grace period
5.Fish seed rearing inseasonal pond0.2 ha2,15,5004 years with 12months grace period
6.Brackish water shrimp (P. Monodon)0.4 ha3,55,9009 years with 12 months grace period
7.Integrated fish farming (fish cum dairy)0.4 ha 3,07,8004 years with 12 months grace period
8.Pangasius farming inexisting pond0.4 ha 4,41,6003 years with 12months grace period
9.Farming of L. Vannamei in existing pond0.4 ha18,18,0003 years with 12 months grace period
10.Ornament Fish farming300×300 Sqft3,40,0009 years with 12 months grace period
11.Jhara Fish500×500 Sqft50,000 
12.Fish feed Mill0.5MT18,76,00011 years with 12 months grace period
13.Cold Chain Icebox 60,000 
14.Insulated Truck10 Tonnes2,000,000 
15.Water testing Kit1 Unit75,000 
16.Re-Circulatory Aqua Culture System10-12Tonnes5,000,000 

@SOURCE NABARD