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REVISED CENTRAL SECTOR SCHEME: ESTABLISHMENT OF AGRI-CLINICS AND AGRI-BUSINESS CENTRES (ACABC) ZONAL WORKSHOP ON GSS Pune, 18 July 2012 Dr. P Sahoo, AGM, HO, Mumbai NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT HEAD OFFICE, MUMBAI
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OBJECTIVES TO PROVIDE EXTENSION AND OTHER SERVICES TO THE FARMERS TO SUPPORT AGRICULTURAL DEVELOPMENT TO CREATE GAINFUL SELF- EMPLOYMENT OPPORTUNITEIS
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CONCEPT / DEFINITION AGRI-CLINICS : TO PROVIDE EXPERT ADVICE & SERVICES WHICH WOULD ENHANCE PRODUCTIVITY AND ENSURE INCREASED INCOME TO FARMERS AGRI-BUSINESS CENTRES : COMMERCIAL AGRI-VENTURES FOR INCOME GENERATION & ENTREPRENEURSHIP DEVELOPMENT
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ELIGIBLE PERSONS GRADUATES IN AGRICULTURE & ALLIED SUBJECTS ALLIED SUBJECTS DIPLOMA HOLDERS (WITH 50% MARKS)/PG DIPLOMA HOLDERS IN AGRI AND ALLIED SUBJECTS FROM SAU, STATE AGRI. & ALLIED DEPTS. AND STATE DEPT OF TECHNICAL EDUCATION. BIOLOGICAL SCIENCE GRADUATES WITH PG IN AGRI AND ALLIED SUBJECTS. DEGREE HOLDERS IN COURSES RECOGNISED BY UGC HAVING MORE THAN 60% OF THE CONTENT IN AGRI. & ALLIED SUBJECTS.
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ELIGIBLE PERSONS CONTD…. DIPLOMA/PG DIPLOMA HOLDERS IN COURSES WITH >60% OF COURSE CONTENT IN AGRI & ALLIED SUBJECTS, AFTER B.SC. IN BIOLOGICAL SCIENCES FROM RECOGNISED COLLEGES AND UNIVERSITIES AGRICULTURE RELATED COURSES AT INTERMEDIATE (+2) LEVEL WITH AT LEAST 55% MARKS DIPLOMA IN AGRICULTURE & ALLIED SUBJECTS OFFERED BY OTHER AGENCIES ARE ALSO ELIGIBLE SUBJECT TO APPROVAL OF DEPARTMENT OF AGRICULTURE AND COOPERATION, GOI ON THE RECOMMENDATION OF THE STATE GOVERNMENT CANDIDATES SHOULD BE TRAINED
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AREA OF OPERATION BOTH RURAL AND URBAN AREAS GEOGRAPHICAL LOCATION : NO RESTRICTION
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FULL FINANCIAL SUPPORT FOR TRAINING/HAND HOLDING (MANAGE) CREDIT (BANKS) CREDIT– LINKED BACK ENDED SUBSIDY THROUGH NABARD
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Eligible Financial Institutions CBs RRBs SCBs SCARDBs UCBs ( Scheduled)
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PROJECT COST INDIVIDUAL CEILING : ` 20 LAKH ( ` 25 LAKH IN CASE OF EXTREMELY SUCCESSFUL PROJECTS) GROUP CEILING : ` 100 LAKH (AT LEAST 5 TRAINED PERSONS OUT OF WHICH ONE COULD BE FROM MANAGEMENT BACKGROUND) GROUP COULD BE 2 OR MORE TRAINED PERSONS PERSON WITH MANAGEMENT BACKGROUND ONLY TO BE INCLUDED IN GROUP OF 5 OR MORE
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PROJECT COST CONTD…. COMPUTER /PRINTER/BROADBAND CONNECTION (1 MBPS ATLEAST) – AN INTEGRAL PART OF TFO CREDIT SANCTIONED BY BANK COULD BE HIGHER DEPENDING ON VIABILITY/ FEASIBILITY AT LEAST 10% OF THE PROJECT COST SHOULD BE IN CAPITAL FORM INSURANCE COULD BE A PART OF TFO
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EXTREMELY SUCCESSFUL PROJECTS PROJECT COST LIMIT IS EXTENDED BY ` 5 LAKH I.E. ` 20 LAKH + ` 5 LAKH = ` 25 LAKH) TO BE APPROVED BY EMPOWERED STEERING COMMITTEE USING ABOVE CRITERIA BASED ON DEFINED CRITERIA AND SCORING FOR THE SAME
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TERM LOAN SHOULD BE COMPOSITE (FIXED CAPITAL + WC FOR 1 OPERATING CYCLE) REPAYMENT SCHEDULE IS TO BE DRAWN ON THE TOTAL COMPOSITE LOAN INCLUDING SUBSIDY REPAYMENT PERIOD : 5-10 YEARS DEPENDING ON ACTIVITY MAX GRACE PERIOD : 2 YEARS ROI ON LOAN : RBI GUIDELINES/POLICY OF THE BANK LOCK-IN PERIOD : 3 YEARS
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MARGIN MONEY AS PER RBI GUIDELINES NO MARGIN FOR LOAN UPTO ` 5 LAKH 50% OF THE MARGIN MONEY AS SOFT LOAN FROM NABARD
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SECURITY AS PER RBI GUIDELINES LOANS UP TO ` 5 LAKH CAN BE SECURED AGAINST HYPOTHECATION OF ASSETS CREATED
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CREDIT LINKED COMPOSITE SUBSIDY 44% FOR WOMEN, SC/ST AND ALL CATEGORIES OF BORROWERS FROM NER, HILLY STATES 36% FOR ALL OTHERS RELEASED UPFRONT IN ONE INSTALMENT BY NABARD TO BANKS AFTER SANCTION OF LOAN ALL CANDIDATES TRAINED UNDER THE SCHEME SHALL BE ELIGIBLE FOR SUBSIDY IF LOAN IS SANCTIONED ON OR AFTER 9.7.2006
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CREDIT LINKED COMPOSITE SUBSIDY BANK TO KEEP SUBSIDY IN ‘SUBSIDY RESERVE FUND ACCOUNT (BORROWER WISE)’ BANKS NOT TO CHARGE INTEREST ON SUBSIDY PORTION BALANCE IN THE ‘SUBSIDY RESERVE FUND ACCOUNT’ WILL NOT FORM PART OF DTL
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CREDIT LINKED COMPOSITE SUBSIDY REVISED TFO CEILING APPLICABLE TO CASES SANCTIONED AFTER 4.8.10 CASES SANCTIONED BUT NOT CLOSED SHALL BE CONVERTED TO COMPOSITE SUBSIDY- DIFFERENTIAL AMOUNT BETWEEN PAYBLE AND PAID ASSISTANCE TO BE RELEASED IN ONE LUMPSUM ON OBTAINING A CLAIM FROM THE BANK
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CREDIT LINKED COMPOSITE SUBSIDY BENEFIT OF SUBSIDY CAN BE EXTENDED TWICE TO A SINGLE BORROWER WITHIN THE OVERALL CEILING WHEN 2 INDEPENDENT PROJECTS ARE FINANCED TO THE SAME BENEFICIARY (SUBSIDY WOULD BE AS PER ADMISSIBLE TFO CEILINGS BY CONSIDERING THE TFO OF BOTH THE PROJECTS TOGETHER) EXPANSION OF AN EXISTING PROJECT OF A BORROWER (ONLY ON THE TFO FOR EXPANSION AND THE COST OF THE EXISTING PROJECT IS NOT INCLUDED)
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CREDIT LINKED COMPOSITE SUBSIDY FRESH/EXPANSION PROJECTS SANCTIONED BY BANKS BEFORE 4.8.10: TFO CEILING WILL BE ` 10 LAKH (INDIVIDUAL) FRESH/EXPANSION PROJECTS SANCTIONED BY BANKS ON OR AFTER 4.8.10 : TFO CEILING WILL BE ` 20 LAKH (INDIVIDUAL)
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PROCEDURE AGRIPRENEUR TO SUBMIT PROJECT PROPOSAL FOR LOAN AND SUBSIDY TO BANKS BANKS TO APPRAISE, SANCTION AND DISBURSE THE FIRST INSTALMENT BANKS TO CLAIM SUBSIDY FROM NABARD WITH A BRIEF PROJECT PROFILE-CUM- CLAIM FORM ROS ARE EXPECTED TO DISPOSE OFF THE CLAIMS WITHIN A FORTNIGHT FROM THE DATE OF RECEIPT OF THE CLAIMS BANKS TO SUBMIT UTILIZATION CERTIFICATE
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DELIVERY OF EXTENSION SERVICES SHALL BE THE MAIN COMPONENT RECORD OF ADVISORY SERVICES (PRESCRIBED PROFORMA) IS TO BE MAINTAINED BY THE UNIT ANY TWO OFFICIAL MAY TAKE UP PERIODIC/SURPRISE VISIT FOR VERIFYING RECORDS OF ADVISORY SERVICES
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WHERE MISUTILIZATION OF SUBSIDY HAS BEEN NOTICED BANK SHALL REFUND THE SUBSIDY TO NABARD A CONSOLIDATED REPORT IS TO BE FINALIZED BY THE BANK BEFORE 3 YEARS LOCK-IN PERIOD FOR FORWARDING TO NABARD/ATMA FOR INFORMATION TIME LIMIT FOR COMPLETION : 6 MONTHS FROM DATE OF DISB. OF 1 ST INSTALMENT (PLUS ADDITIONAL 6 MOTHS FOR JUSTIFYABLE DELAY)
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BENEFIT OF SUBSIDY IS NOT AVAILABLE IF THE PROJECT IS NOT COMPLETED WITHIN STIPULATED TIME & SUBSIDY IS TO BE REFUNDED TO NABARD INSURANCE TO BE TAKEN WHEREVER REQUIRED DISPLAY OF SIGN BOARD AT THE UNIT PRE AND POST COMPLETION INSPECTION OF PROJECT BY BANK SUBSIDY SUBJECT TO AVAILABILITY OF FUNDS FROM GOI
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EMPOWERED STEERING COMMITTEE SECRETARY (A&C): CHAIRMAN ADDL. SECY, DAC: MEMBER AS & FA, DAC: MEMBER DDG (EXTN.), ICAR: MEMBER DG, MANAGE: MEMBER ED, NABARD: MEMBER JT. SECY (EXTN.) : MEMBER SECRETARY GOI’S INTERPRETATION OF THE SCHEME INSTRUCTIONS WILL BE FINAL
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1STATES22 2NOS. OF UNITS566 3TFO SANCTIONED ( ` CRORE) 45.54 4BANK LOAN ( ` CRORE)35.49 5SUBSIDY RELEASED* ( ` CRORE) 11.82 * ADV + FIN + INT. SUB –I + INT. SUB –II Progress (As on 30.06.2012)
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Thank You for your Attention!
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