Companies of individual farmers

Proprietorship/Partnership firm

FPO

Lease cultivators

18 to 70 years for both

18 to 65 (bkcc) & 18 to 70 (kisan pride)

18 to 65 years for both

18 to 70 (bkcc) & 18 to 65 (kisan pride)

min 3000 & max 10.00 Lakhs

min 5000 & max 10.00 Lakhs

min 3000 & max 20.00 Lakhs

min 5000 & max 20.00 Lakhs

min 5000 & max no ceiling

min 10000 & max no ceiling

min 3000 & max Rs.1.00 Cr

min 5000 & max Rs.10.00 Cr

min 2.00 Lakhs & max no cap

No min cap & max 20.00 Cr

min 5.00 Lakh & max 10.00 Cr

min 2.00 Lakhs & max 10.00 Cr

CRIF 675 CIBIL 701 EQUIFAX 650

None of above

CRIF 701 CIBIL 650 EQUIFAX 671

CRIF 701 CIBIL 731 EQUIFAX 671

COCC-CGM deviation authority to reduce security by 10%

mortgage of sarfaesi compliant security having value of 25% of limit sanctioned

all are correct

charge of Agri land having value atleast 150% of limit

charge of Agri land having value atleast 150% of limit

COCC-CGM deviation authority to reduce security by 10%

mortgage of sarfaesi compliant security having value of 25% of limit sanctioned

1 & 2 are correct

60 for both scheme

60 for BKCC & 61 for baroda kisan pride

61 for BKCC & 60 for baroda kisan pride

61 for both scheme

MCLR+SP+1.25%

MCLR+SP+2%

BRLLR+SP+1.5%

MCLR+SP+1.5%

Exposure above Rs.35.00 Lakhs under BKCC, BAHFKCC & Planters card schemes single or jointly valuation is must

Valuation deviation for waiver to be obtained from ZOCC-GM

Exposure above Rs. 10.00 Lakhs in other schemes of Agriculture lending valuation mandatory

Valuation in case of Agri Loans not mandatory

higher of annual income or security value or scale of finance

lower of annual income or security value or scale of finance

As per Scale of finance by DLTCC with every year 10% increase in limits

higher of security value or scale of finance

ZOCC - more than 200% of SOF

Camp Head - upto 150% of SOF

ZOCC-GM - 300% of SOF

RMCC - upto 200% of SOF

Monthly visit for recovery in irregular A/c's.

Pre-sanction inspection to be done & inspection not mandatory for LOC limit being 5 years

For limit more than Rs.50.00 lakhs, CM/Sr.Manager(Credit)RO/ Regional PS incharge to do inspection every 6 months in addition to Branch

Inspection of crops & Agri land to be done on half yearly interval.

Oil Mill/Flour Mill

option 2, 3 & 4 are correct

Cotton ginning/Pressing mills

Seed/Food/Agro Processing

Rice/Dal Mill

Aggregate sanctioned limit from Banking system not to exceed Rs.100.00 Cr

Rating not required as per scheme for loan amount Rs.10.00 Lakhs

Accounts with exposure upto Rs.50.00 Cr are delinked from RAROC level

External credit rating applicable for limit above Rs.50.00 Cr

Stock & Bookdebts 25%

Land & Building 40%

Plant & Machinery 25%

Land & Building 30%

option 2 & 3 are correct

CGTMSE- 75% of coverage available

Residential/Commercial property - Distress value

Plant & Machinery - 60% of WDV

Industrial property - 80% of the market value

For Fresh/ Greenfield Project/ takeover proposals, if the Internal Credit Rating is BOB6/ MSMEBOB 6 min hard security 50%

For Fresh/ Greenfield Project/ takeover proposals, if the Internal Credit Rating is BOB6/ MSMEBOB 6 min hard security 70%

all are incorrect

For Fresh/ Greenfield Project/ takeover proposals, if the Internal Credit Rating is BOB6/ MSMEBOB 6 min hard security 60%

NTB- 10 bps

NTB - 50 bps

NTB - 40 bps

NTB- 25bps

prepayment charges not applicable in Agri based schemes

Prepayment charges will be levied if the Borrower discontinues the facility within 12 months of allowing concession

Prepayment charges will be levied if the Borrower discontinues the facility within 6 months of allowing concession

Prepayment charges will be levied if the Borrower discontinues the facility within 3 months of allowing concession

COCC-GM

ZH

MCB

ZOCC-GM

Option 1 & 3 are correct

Above Rs.10.00 Cr - Cash Budget Method

Micro & Small Enterprises- Lower of first method or turnover method

Micro & Small Enterprises- Higher of first method or turnover method

Medium Enterprises - Higher of first method or turnover method

Up to 144 months (including 12 months moratorium)

Up to 144 months (including 24 months moratorium)

120 Months

120 Months (including 6 months moratorium)

0.50% for the balance unutilized portion compared to total limits (if QIS statement not submitted)

0.50% for the balance unutilized portion below 60% of the declared utilisation in QIS statement.

levied for fund based working capital limit of 2.00 Cr & above

levied for fund based working capital limit of 1.00 Cr & above

LA454 & CC025

LA429 & CC021

LA428 & CC023

LA420 & CC027

Higher of projected sales or RV of the property

Lower of projected sales or market value of the property

Higher of projected sales or market value of the property

Lower of projected sales or RV of the property

Min 25.00 Lakhs Rural 200 Lakhs Semiurban 300.00 Lakhs Metro 400 Lakhs

Min 10.00 Lakhs Rural 100 Lakhs Semiurban 300.00 Lakhs Metro 400 Lakhs

Min 25.00 Lakhs Rural 100 Lakhs Semiurban 300.00 Lakhs Metro 500 Lakhs

Min 10.00 Lakhs Rural 200 Lakhs Semiurban 300.00 Lakhs Metro 500 Lakhs

minimum age is 18 years for all scheme of Gold Loan

min 18 to 75 years

option 3 is correct

maximum age 70 for EMI scheme

21 to 70 years

8.75% up to 31.12.25

Fixed rate of 1 year MCLR as per revised guidelines

No Fixed Rate criteria in Retail Gold Loan Scheme

9% up to 31.03.26

1% for any scheme of Gold Loan

0.50% for both Agri & Retail (Max 3500+GST)

0.25% for both Agri & Retail (Max 3500+GST)

0.25% for Agri & 0.50% for Retail (Max 3500+GST)

option 1 & 2 are not applicable for BKCC Gold Loan

In a day maximum 2 Agri Gold Loan A/c's can be granted to the Borrower

All are incorrect

There should not be more than 5 Agri Gold Loan A/c outstanding in the name of the Borrower

for exposure upto Rs.25.00 under Agri & Allied activities margin to be maintained is 20%

Margin for Gold EMI scheme to be maintained is 25%

Margin for all non-agri Gold Loan to be mantained is 30%

for exposure above Rs.25.00 under Agri & Allied activities margin to be maintained is 25%

For Gold Loans above Rs.35.00 Lakhs ZH is the sanctioning authority

Scale 3 BH are authorized to sanction Gold Loan up to Rs.50.00 lakhs

Scale 2 BH are authorized to sanction Gold Loan upto Rs.25.00 Lakhs under their DLP

Scale I BH can sanction gold loan as per DLP

Willing to deposit minimum Rs.10000.00 as security deposit

Having minimum experience of 1-2 years

Security deposit for minimum period of 60 months

Age between 30 to 65 years

Re-assaying of Gold Loan not required in case of Umbrella assayer

Umbrella assayer will indemnify Bank for short comings in weight or in case of spurious Gold

Umbrella assayer is a group 3-25 assayer

Umbrella assayer to attend the location within 15-20 minutes

25% gold loans are to be checked by inspecting officer during ZIAD & Quarterly re-assaying

During ZIAD audit 5% gold loans are checked with all overdue A/c's of Gold Loan

All Gold loans above 25 lakhs to be re-assayed during quarterly re-assaying

During Quarterly inspection 25% of gold A/c's at end of the Quarter are checked

Upto Rs.2.00 Lakhs under Allied activities a simple declaration regarding activity will suffice

For all Agri Gold Loans were income proof is not available above Rs.5.00 Lakhs affidavit is compulsory

Upto Rs.3.00 Lakhs no income proof to be insisted by the Branch

No need to take any income proof in case of Gold Loan under Agri & Allied activities

Target for micro enterprise is 7.5% of ANBC or CEOEB whichever is higher

Target for small & marginal farmers is 10% of ANBC or CEOEB whichever is higher

14 percent is prescribed for Non-Corporate Farmers (NCFs) - within 18%

Agri Target is 18% of ANBC or CEOSE whichever is higher

Advance to weaker sections- 12 percent of ANBC or CEOBSE, whichever is higher

Loan to Agri Infrastructure up to an aggregate limit of Rs.100.00 Cr per Borrower

Loans up to Rs.10.00 Cr per borrowing entity to FPO undertaking farming with assured marketing of their produce

Loan against pledge of Negotiable warehouse receipts up to Rs.90.00 Lakhs

All options are incorrect

A micro enterprise, where the investment in plant and machinery or equipment does not exceed Rs.10 crore and turnover does not exceed Rs.50 crore

A small enterprise, where the investment in plant and machinery or equipment does not exceed Rs.1 crore and turnover does not exceed Rs.5 crore

A medium enterprise, where the investment in plant and machinery or equipment does not exceed Rs.50 crore and turnover does not exceed Rs.100 crore

A small enterprise, where the investment in plant and machinery or equipment does not exceed Rs.25 crore and turnover does not exceed Rs.100 crore

up to Rs.35.00 Cr to Borrowers for purpose like solar based power generators, windmills etc.

up to Rs.12.00 Cr per borrower for building health care facilities

For individual borrowers for solar based unit set up upto Rs.20.00 Lakh

up to a limit of Rs.8.00 Cr per borrower for setting up schools

NRLM

distressed farmers indebted to non-institutional lenders

Person with disabilities

Minority communities

Transgenders

At BCC level within 30 days

Above Rs.25000.00 to be disposed of in maximum 15 days at Branch level

At Ro/Zo level within 15 days

Upto Rs.25000.00 to be disposed within a week

option 1,2 & 3 are correct

For purchase of farm equipments

To meet short term credit requirements

TL for purchase of pump set

Post harvest expenses

SHG or JLG of farmers

Tenant farmers (registered/non-registered)

Oral lessees & Share croppers

Tenant farmers should be resident of the gram panchayat for a minimum period of 1 year

The minimum unexpired period of lease period should be repayment period of the proposed limit/loan plus 6 months

Registered lease deed should be available & at least 6 month old

Farmers who are cultivating their own land and taking up additional land under tenancy/Lease, are also eligible

The applicant should be cultivating crops for a period of not less than 2 years

As per new revamped BKCC Scheme margin required is 10% above Rs.3.00 Loan Limit

Tractor & heavy machineries (margin 25% above Rs.1.00 Lakhs)

option 3 is incorrect

Agri clinic & Agri Business centre (margin 15% above Rs.5.00 Lakhs)

Crop loan excluding subvention MCLR+SP (upto Rs.3.00 Lakhs)

Crop loan above Rs.10.00 Lakhs (MCLR+SP+2.00%)

Crop loan above Rs.25.00 Lakhs (MCLR+SP+2.00%)

Crop loan above Rs.3.00 Lakhs to Rs.25.00 Lakhs (MCLR+SP+1.25%)

Farm Maintenance 25% (Gold, Green & Silver)

KCC Gold (35% family maintenance) & 0.50% concession in ROI

KCC Green (15% family maintenance) & 0.25% concession in ROI

KCC Silver (25% family maintenance) & 0.25% concession in ROI

For existing BKCC holder having minimum 3 years satisfactory record can be sanctioned 150% of limit considering scale of finance

For 120% finance in case of new BKCC, minimum rating score required is 61

Existing BKCC holder can be sanctioned additional 20% finance over & above SOF provided no A/c should be overdue more than once in last 2 year

For new BKCC holders 120% limit can be sanctioned

LOWER of (lower of 4 times of NAI or 3 times of total farm receipts plus 3 times of net anticipated income) or 75% value of security

LOWER of (lower of 6 times of NAI or 3 times of total farm receipts plus 6 times of net anticipated income) or 75% value of security

LOWER of (lower of 6 times of NAI or 3 times of total farm receipts plus 3 times of net anticipated income) or 95% value of security

LOWER of (lower of 6 times of NAI or 3 times of total farm receipts plus 3 times of net anticipated income) or 75% value of security

For loans upto Rs.10.00 Lakhs CIBIL is mandatory

For loans upto Rs.10.00 Lakhs CRIF is mandatory

For loan amount above Rs.10.00 Lakhs 2 CIR reports mandatory

No CIR cut off score required

For BKCC upto Rs.3.00 Lakhs no deviation is allowed

RM is authorized to approve deviation if score is below 61 & upto 56

Minimum score as per rating model required is 61

ZOCC-GM is authorised to approve deviation if score is below 55

For loans other than credit card write-off upto Rs.2.00 Lakhs can be considered

For deviation in all cases of Write-off ZOCC-GM is ultimate authority

For retail & agri loans no case of write-off will be considered

Case of credit card write-off can be considered for Rs.50000.00 (upto Rs.1.00 Lakhs if older than 5 years)

COCC-ED is authority to approve deviation in Financial matter

COCC-CGM is authorised for financial or non-financial deviation

COCC-CGM is authority to approve deviation in Non-Financial matter

50% BKCC limit (max Rs.2.00 Lakhs subject to LOC 5th year limit)

50% BKCC limit (max Rs.1.00 Lakhs)

75% BKCC limit (max Rs.3.00 Lakhs - no subvention)

50% BKCC limit (max Rs.2.00 Lakhs)

CC008 & LA428

CC035 & LA427

CC043 & LA420

CC025 & LA421

Working capital = Scale of finance*no of animals+10% post harvest+20% repair & maintenance+insurance

Subvention is available upto Rs.2.00 Lakhs

Under BAHFKCC TL & Working capital can be finance as per requirement

Min age 21 years & Max 70 years

margin 10%

min 21 years & max 65 years

repayment max 5 years including 3 months moratorium

New small dairy units with 3-20 miltch animals

Nabard is providing subsidy @25% of the outlay

loan above Rs.1.60 Lakh & upto Rs.2.00 Lakh- Hypothecation of live stock & Charge on agri land or third party guarantee

Nabard subsidy is available subject to ceiling of Rs.1.00 Lakhs (Rs.1.67 Lakhs for Sc/St)

Cows & Buffalo producing 8 & 7 ltr of milk per day

Min age 21 & max 65 years for Two Wheeler Loan

Min age 21 & max 70 years for Four Wheeler Loan

As per Four Wheeler if age of the farmer exceeds 65 prior approval is required from ZH

As per Two Wheeler Scheme If the age of farmer exceeds 60 years, in such case son to be made co-borrower

Loan upto Rs.1.00 Lakh margin is 10%

Maximum loan amount for Agri two Wheeler Loan Scheme is Rs.3.00 Lakhs

Loan above Rs.1.00 Lakh margin is 25%

maximum repayment period is 7 years

For Agri Four Wheeler (non-priority) max Loan Amount Rs.30.00 (with deviation)

LA458- Non Priority Sector

LA425- Priority Sector

For Agri Four Wheeler Loan (priority sector) max Loan Amount Rs.15.00 Lakhs subject to maximum vehicle cost Rs.25.00 Lakhs

20%

25%

15%

10%

LA434-Agri end use & Agri hiring

LA435-Agri cum commercial end use

LA436-Tatkal Tractor Loan

LA433-Composite Tractor Scheme

Agri end use & Agri hiring - margin 15%

Agri cum commercial end use - Margin 20%

Tatkal tractor loan - margin 30%

Margin will remain uniform at 25%

Agri cum commercial end use - Max 72 months

Tatkal Tractor Loan - 60 months

Tatkal Tractor Loan- Max 72 months

Agri end use & agri hiring - 72 months

Upto 10% in LTV on A & B Category & upto 5% on C category

Upto 5% in LTV on A & B Category & upto 3% on C category

Upto 5% in LTV on A & B Category & upto 5% on C category

Upto 3% in LTV on A & B Category & upto 3% on C category

Regular recovery

Regular inter-loaning

Regular meetings

Proper book keeping

Amount held as cash with the authorized persons

MORD will provide corpus ranging between Rs.50000.00 to Rs.100000.00 per SHG in existence for min. period of 3/6 months

Amount received as interest on the loans

Any other contributions received by the group like grants, donation etc

For loans to SHGs above Rs.10.00 Lakhs & upto Rs.20.00 Lakhs, entire loan will be covered under CGFMU

for loans to SHGs upto Rs.10.00 Lakhs no collateral & no margin

DLP- Scale 1 & 2 is Rs.5.00 Lakhs

DLP - Scale 3 is Rs.20.00 Lakhs

second year DP will be 8 times of existing corpus or min Rs.3.00 Lakh whichever is higher

Third year DP min Rs.6.00 Lakhs based on micro credit plan prepared by SHG & appraised by supporting agency

No stipulation of minimum sanction of loans to SHGs

first year DP will be 6 times of existing corpus or min Rs.1.50 Lakh whichever is higher

atleast 50% of loan above Rs.1.00 Lakh should be used primarily for income generating productive purposes

atleast 85% of loan above Rs.6.00 Lakhs should be used primarily for income generating productive purposes

atleast 75% of loan should be used primarily for income generating productive purposes irrespective of loan amount

atleast 75% of loan above Rs.4.00 Lakhs should be used primarily for income generating productive purposes

Grade C - 60 to 69 marks

The SHG with score of more than 60 may be considered for credit linkage

Grade B - 70 to 79 marks

Grade A - 80 or more marks

The SHG A/c must not be inoperative or dormant

OD can be provided for A/c SB124,SB127,SB130,SB150

Maximum OD limit of Rs.10000.00

SHG is/was not a loan defaulter

10% (uniform)

15% (no reimbursement)

20% (50% in case of reimbursement)

15% (25% for reimbursement)

For construction & repair of farm building & structures

For farm building & structures such as tractor & truck shed, bullock shed, water trough for farm animals etc

For construction of farm house cum dwelling unit

For specific buildings such as cold storage plants

Also Tenants staying in privately rented house can be financed with lease agreement

Privately owned schools, Offices, guest houses, hospitals and hotels having at least 1000 square feet of open space for gardening are eligible.

Borrowing institution should have ownership or long term or lease right (atleast five year on the property)

Should possess independent house having 500 sq. ft. of open space for gardening

Max 10 Lakhs (individuals) & Max 30.00 Lakhs (Institution)

Max 3 Lakhs (individuals) & Max 30.00 Lakhs (Institution)

min more than Rs.20000/-

Max 3.00 Lakhs (individuals) & Max 10.00 Lakhs (Institution)

Primary-Hypothecation of plants/crops & garden equipment

Loan upto Rs.1.00 Lakh no collateral security is applicable

Salaried employees- minimum 50% liquid security required

Institutions-Collateral Security of at least 50 % of loan amount plus personal guarantee of partners/ trustee/ promoters.

Individual & Institution Max 36 months

Individual (12 to 24 months)

Institution (12 to 36 months)

minimum 12 month

BOB kisan portal

BOB kisan samman

BOB kisan saarthi

BOB World kisan

min Rs.2000.00

lower of (4 times of Avg.monthly balance of 6 months or 50% of credit summations during 6 months)

max Rs.10000.00

No min & max OD limit as per recent guidelines

Prime minister- kisan urja supplement under ministry of finance

Prime minister- kisan urja sanction under mahabhiyan

Pradhan Mantri-kisan unique supplement for urja mahabhiyan

Pradhan Mantri-kisan urja suraksha evam utthan mahabhiyan

Max.70% of the project cost with Max cap of Rs.10.00 Cr

Max.75% of the project cost with Max cap of Rs.1.00 Cr

Max.85% of the project cost with Max cap of Rs.1.00 Cr

Max.85% of the project cost with Max cap of Rs.2.00 Cr

Individuals

Panchayat

Tenant farmers

FPO

Co-operative of farmers

Increased access to credit to existing SHG groups, FPOs etc

providing subsidy for small & micro enterprise

strengthening of institutions, research & training in food processing

Increased access for enterprises with professional & technical support

primary objective is to ensure farmers engaged in dairy processing are provided maximum MSP

to promote export contribution in milk & meat sector

Develop entrepreneurship & generate employment

To help increasing milk & meat processing capacity & product diversification

option 2 & 3 are correct

MSME

FPO

HUF & Trust

Private companies

Graduate/Post Graduate in Agri & Allied subject

Diploma holders in Agri & Allied subject

Age 18 to 60 years

Minimum Qualification criteria :-Minimum Post graduate (if not graduated/post graduated from agri & allied subjects)

by 7th of succeeding month for both cases

none of above

15 days & 1 month

7 days & 2 months