1. Water Resources
| S. No | Particulars | Unit Size | Unit Cost 2020-21(in Rs) | Repayment Period including grace period (years) |
| 1. | Shallow Tube Wellhaving brush strainer with pump set | 5 HP | 62,500 | 11-15 with grace of 2 years |
| 2. | Submersible pump set operated tube well (lowduty) | 3HP | 1,31,000 | 10 |
| 3. | Drip Irrigation (excluding pump set) | 8 x8mspacing (1 ha) | 32,000 | 5 |
| 4. | Drip Irrigation (excluding pump set) | 1.5 x 1.5m spacing (1 ha) | 1,11,000 | 5 |
| 5. | Drip Irrigation (excluding pump set) | 2.7x 2.7mspacing ( 1 ha) | 76,000 | 5 |
| 6. | Sprinkler irrigation | 1 Ha | 53,000 | 5 |
| 7. | Electrical pump-set | 3 HP | 25,500 | 9 with grace of 1year |
| 8. | Electrical pump-set | 5 HP | 32,000 | 9 with grace of 1year |
| 9. | Diesel pump-set | 3 HP | 26,500 | 9 with grace of 1year |
| 10. | Diesel pump-set | 5 HP | 33,000 | 9 with grace of 1year |
Assumptions:
- Groundwater Structures
- block-wise assessment of groundwater
- Bank shall furnish block-wise details in refinance claims for construction of dug wells, bore wells, tube wells in the areas of “safe category”
- Minimum acreage of land to be brought under irrigation
- Sale of water – if the beneficiary’s own land is lesser than the area to be irrigated by dug well/ shallow tube WELL.
- Selection & installation of pumps as per guidelines in BIS: 10804-1994
- 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. | Particulars | Unit Size | Unit Cost for 2020-21 (in Rs) | Repayment Period– Years (Grace + Repayment Period) |
| 1. | Land levelling and shaping | 1 ha | 1,15,100 | 5-7 |
| 2. | Bench Terracing in sloppy regions | 1 ha | 2,38,000 | 5-7 |
| 3. | Tank Silt application for improving the soil productivity | 1 ha | 50,000 | 5-7 |
| 4. | Vermi-compost Tank | 10’x6’x2.5’ | 28,400 | 5-7 |
| 5. | NADEP Compost Tank | 10’x6’x3’ | 21,600 | 5-7 |
| 6. | Farm Pond – Model-I | 3 centexcavationin 12 cent land | 31,400 | 8(1+7) |
| 7. | Farm Pond – Model-2 | 4 centexcavation in 16 cent land | 42,700 | 8(1+7) |
| 8. | Farm Pond – Model-3 | 6 centexcavation in 24 cent land | 71,600 | 8(1+7) |
| 9. | Farm Pond – Model-4 | 8 centexcavation in 33 centland | 95,000 | 8(1+7) |
| 10. | Farm Pond – Model-5 | 20 cent excavation in 100 centland | 2,80,700 | 8(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. | Particulars | Unit Size | Unit cost for 2020-21 (in Rs.) | Repayment Period in Years (Grace + Repayment Period) |
| 1 | Tractor | 25-30 HP | 4,00,000 – | 5-7 |
| 5,00,000 | ||||
| 30- 45 HP | 5,50,000 – | 5-7 | ||
| 7,25,000 | ||||
| More than | 5,77,000 – | 5-7 | ||
| 45 HP | 11,20,000 | |||
| 2. | Second Hand Tractor | 35 HP | 3,85,000 | 5-7 |
| 3. | Power Tiller – alongwith equipment | 12 HP | 2,60,000 | 5-7 |
| 4. | Combined Harvester – Self Propelled | 1 Unit | 20,00,000 | 7 |
| 5. | Self-Propelled Paddy Reaper | 3.5 HP | 1,10,000 | 5-7 |
| 6. | Seed cum fertilizer drill– 11 tyne | 1 | 60,000 | 7 |
| 7. | Rotavator (6 feet) | 1 | 1,15,000 | 7 |
| 8. | Tractor drawn Axial | 1 | 1,15,000– | 7 |
| Flow Thresher | 2,50,000 |
| 9. | Power Tiller Drawn Axial Flow Thresher | 1 | 70,400 | 6 |
| 10. | Automatic Potatoplanter | 1 | 1,05,000 | 5-7 |
| 11. | Zero Till Drill (Tractor mounted) – 9 tyne | 1 | 50,000 | 5-7 |
| 12. | Rotary Till Drill (Tractor mounted) | 1 | 1,50,000 | 5-7 |
| 13. | Bed Planter (Tractormounted) | 1 | 60,000 | 5-7 |
| 14. | Tractor mounted combined harvester(tractor cost excluded) | 50-70 HP | 4,95,000 –8,50,000 | 5-7 |
| 15. | Seed cum fertilizer drill– 11 tyne | 1 | 60,000 | 7 |
| 9. | Power Tiller Drawn Axial Flow Thresher | 1 | 70,400 | 6 |
| 10. | Automatic Potatoplanter | 1 | 1,05,000 | 5-7 |
| 11. | Zero Till Drill (Tractor mounted) – 9 tyne | 1 | 50,000 | 5-7 |
| 12. | Rotary Till Drill (Tractor mounted) | 1 | 1,50,000 | 5-7 |
| 13. | Bed Planter (Tractormounted) | 1 | 60,000 | 5-7 |
| 14. | Tractor mounted combined harvester(tractor cost excluded) | 50-70 HP | 4,95,000 –8,50,000 | 5-7 |
| 15. | Seed cum fertilizer drill– 11 tyne | 1 | 60,000 | 7 |
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. | Particulars | Unit Size | Unit Cost for 2020-21 (in Rs) | Repayment Period – Years (Grace + Repayment Period) |
| 1. | Mango (Conventional) For Langra Variety | 1 acre | 80,000 | 10 (5+5) |
| 2. | Mango-Amrapalli | 1 acre | 1,10,000 | 8 (4+4) |
| 3 | Guava | 1 acre | 41,000 | 5 (3+2) |
| 4. | Lime | 1 acre | 57,000 | 8 (6+2) |
| 5. | Papaya | 1 acre | 47,000 | 3 |
| 6. | Pineapple | 1 acre | 1,21,000 | 4 (1+3) |
| 7. | Cashew | 1 acre | 51,000 | 10 (6+4) |
| 8. | Coconut (Tall variety) | 1 acre | 52,000 | 12 (7+5) |
| 9. | Banana (Giant Governor) | 1 acre | 55,000 | 4 (1+3) |
| 10. | Banana (Tissue culture) | 1 acre | 63,000 | 4 (1+3) |
| 11. | Tuberose | 0.04 Ha | 10,000 | 3 (1+2) |
| 12. | Betel vine | 0.25 acre | 1,85,000 | 7 (1+6) |
| 13. | Tea | 1 Ha | 3,92,000 | 15 (4+11) |
| 14. | Large Cardamom | 1 Ha | 2,18,700 | 7 (3+4) |
| 15. | Button Mushroom | 250sqft | 1,90,000 | 4years (6 monthsmoratorium) |
| 16. | Oyster Mushr0om | 250sqft | 95,000 | 4years(6 monthsmoratorium) |
| 17. | Beetle Vine var. Meethaunder Baroj Cultivation | 0.25 acre | 1,38,000 | 7(1+6) |
| 18. | Hibiscus Cultivation – (Rosa sinensis) | 0.25acre | 15,000 | 4 years |
| 19. | Apiculture-honey beerearing- Apis mellifera | 10 beehivemodel | 63,500 | 5(1+4) |
| 20. | Naturally ventilated Polyhouse cultivation – Cut rose with coolingunit | 1 acre | 48,00,000 | 5 years |
| 21. | Ber cultivation | 1 acre | 88,000 | 10 years(4+6) |
| 22. | Mandarin Orange (varieties Nagpur mandarin Khasi mandarin, Kinnow, and local Darjeelingmandarin) | 1 acre | 1,28,000 | 10 years(4+6) |
| 23. | Kiwi | 1 acre | 4,30,000 |
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. | Particulars | Unit 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 day | 1+1 | 1,32,000 | 5 |
| 2. | Improved Indigenous Cows Yielding 7 litres milk per day | 1+1 | 1,25,000 | 5 |
| 3. | Buffalo rearing average Yield 6-7 litres milk per day | 1+1 | 1,35,000 | 5 |
| 4. | Mini Dairy (CBC) | 3+2 | 3,49,000 | 5 |
| 5. | Mini Dairy (CBC) | 5+5 | 6,90,000 | 5 |
| 6. | Heifer Rearing | 1 | 39,000 | 5 |
| 7. | Broiler Farm : all inall out deep litter system | 5000 | 16,15,000 | 6(5+1) |
| 8. | Layer Farm (1+1+3) : Cage System | 5000 | 22,50,000 | 6 (1+5) |
| 9. | Broiler Farm : all in all out deep littersystem | 1000 | 2,25,200 | 5 |
| 10. | Duck Farm | 100F+15M | 42,000 | 5 |
| 11. | Goat Rearing Unit (Black Bengal) | 10F+1M | 72,000 | 6 (1+5) |
| 12. | Goat Rearing Unit (Black Bengal) | 20F+2M | 1,30,000 | 6 (1+5) |
| 13. | Sheep Rearing (Sahabadi/ Bonpala/ Garole) | 10F+1M | 72,000 | 6 (1+5) |
| 14. | Sheep Rearing (Sahabadi/ Bonpala/ Garole) | 20F+2M | 1,40,000 | 6 (1+5) |
| 15. | Piggery (Breeder cum fattener unit) | 3F+1M | 97,000 | 5 (1+4) |
| 16. | Rabbit Rearing (Meat purpose) | 10F+2M | 93,000 | 5 |
| 17. | *Goat Breeding(100F+5M) | 100F+5M | 8,60,000 | 6 (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. No | Activity | Unit size | Unit cost 2020-21 (inRs) | Repayment period in years(graceperiod+ |
| 1. | Bamboo (4m x 4m incl. dripirrigation) | 1 ha. | 1,44,000 | 7 (3+4) Harvesting the crop from Year-5, year-6, year-7 and year-8 |
| 2. | Bamboo (6m x 4m incl. dripirrigation) | 1 ha. | 1,85,000 | 7 (3+4) Harvesting the crop from Year-5, year-6, year-7 and year-8 |
| 3. | Gamhar(includin g fencing) | 1 ha. | 1,49,000 | 12(2+10) Harvesting the crop from Year-10,year-12 and year-15 |
7. Fisheries
| Sl. No | Activity | Unit Size | Unit Cost 2020-21 (inRs) | Repayment Period (Grace + Repayment Period) |
| 1. | Fish farming in existing pond throughrenovation | 1.00 ha | 2,02,000 | 5 years with 12 months grace period |
| 2. | Fish farming in newpond | 0.4 ha | 3,90,000 | 9 years with 12months grace period |
| 3. | Integrated fish farming (fish cum duck) | 0.4 ha | 2,60,000 | 5 years with 12 months grace period |
| 4. | Integrated fish farming (fish cum poultry) | 0.4 ha | 2,67,900 | 7 years with 12 months grace period |
| 5. | Fish seed rearing inseasonal pond | 0.2 ha | 2,15,500 | 4 years with 12months grace period |
| 6. | Brackish water shrimp (P. Monodon) | 0.4 ha | 3,55,900 | 9 years with 12 months grace period |
| 7. | Integrated fish farming (fish cum dairy) | 0.4 ha | 3,07,800 | 4 years with 12 months grace period |
| 8. | Pangasius farming inexisting pond | 0.4 ha | 4,41,600 | 3 years with 12months grace period |
| 9. | Farming of L. Vannamei in existing pond | 0.4 ha | 18,18,000 | 3 years with 12 months grace period |
| 10. | Ornament Fish farming | 300×300 Sqft | 3,40,000 | 9 years with 12 months grace period |
| 11. | Jhara Fish | 500×500 Sqft | 50,000 | |
| 12. | Fish feed Mill | 0.5MT | 18,76,000 | 11 years with 12 months grace period |
| 13. | Cold Chain Icebox | 60,000 | ||
| 14. | Insulated Truck | 10 Tonnes | 2,000,000 | |
| 15. | Water testing Kit | 1 Unit | 75,000 | |
| 16. | Re-Circulatory Aqua Culture System | 10-12Tonnes | 5,000,000 |