Agri banking schemes from Vijaya Bank lend a helping hand in terms of need based credit for crop production and its allied activities.

1. Agri Banking Schemes from
Vijaya Bank

2. Agri Banking
● Vijaya Bank has always been in the forefront
in meeting the credit needs of rural
entrepreneurs and farmers
● Agri banking schemes from Vijaya Bank lend
a helping hand in terms of need based credit
for crop production and its allied activities.
● Vijaya Bank is expanding rapidly to deliver
these products at the doorstep of every
farmer.

3. Agri Banking Schemes from Vijaya
Bank
● VIJAYA KISAN CARD SCHEME
● VIJAYA PLANTERS CARD
● VIJAYA KISAN TATKAL SCHEME
● VIJAYA KRISHI MITHRA
● FARM HOUSE CONSTRUCTION SCHEME
● SCHEME FOR AGRICULTURAL LAND PURCHASE
● ORCHARD OR ESTATE PURCHASE LOAN SCHEME
● SCHEME FOR FINANCING FARMERS AGAINST
WAREHOUSE RECEIPT
● SCHEME FOR FINANCING FOOD AND AGRO
PROCESSING UNITS
● AGRI CLINIC AND AGRI BUSINESS CENTRE
● SCHEME FOR RURAL GODOWNS OR COLD
STORAGES
● SCHEME FOR FINANCING RUBBER PLANTATIONS
● TERM LOANS FOR MINOR IRRIGATION
● TERM LOANS FOR LAND DEVELOPMENT
● TERM LOANS FOR HORTICULTURE DEVELOPMENT
● SCHEME FOR FINANCING ANIMAL HUSBANDRY
● DEBT SWAP SCHEME FOR DISTRESSED FARMERS
● SCHEME FOR FINANCING DISTRESSED PERSONS
OTHER THAN FARMERS

4. VIJAYA Kisan Card Scheme
● Salient Features:
○ Repetitive documentation is avoided for every year.
○ This scheme is valid for 5 years.
○ Can be withdrawn via ATM enabled RuPay Kisan card/BCA locations.
● Eligibility:
○ All farmers/ tenant farmers/ Oral lessees/ SHG/ JLG of farmers/ Companies/
Partnership Firms/ HUFs
○ Borrower should not be a defaulter with any other Banks/ Financial Institutions
● Rate of Interest: In case of non interest subvention scheme, ROI range from 10.20% to
12.20%
● Repayment: Crop proceeding needs to be credited to the account & account will be
reviewed annually.
● Note : MCLR 1 Year presently at 9.45%

5. VIJAYA Planters Card
● Salient Features:
○ Repetitive documentation is avoided for every year.
○ This scheme is valid for 5 years.
○ Can be withdrawn via ATM enabled RuPay Kisan card/BCA locations.
○ Meets short term credit requirement of coffee planters, even covers post-harvest
requirements, which covers household and farm assets maintenance expenses
● Eligibility:
○ All farmers/ tenant farmers/ Oral lessees/ SHG/ JLG of farmers/ Companies/
Partnership Firms/ HUFs
○ Borrower should not be a defaulter with any other Banks/ Financial Institutions
● Rate of Interest: In case of non interest subvention scheme, ROI ranges from 10.20%
to 12.20%
● Repayment: Crop proceeding needs to be credited to the account & account will be
reviewed annually.

6. VIJAYA KISAN TATKAL SCHEME
● Salient Features & Eligibility:
○ Instant credit facility to existing VIJAYA
KISAN CARD holders (who have a
satisfactory track record for 2 years) who
need to meet urgent financial
requirements for agriculture and domestic
purposes.
○ 50% of existing VKC limit or 25% of
annual income, whichever is lower, with a
maximum limit of Rs.50000/-
● Rate of Interest: MCLR 1 Year
+0.75%=10.20%
● Repayment: In installments within 3 - 5 years.

7. VIJAYA KRISHI MITHRA
● Salient Features: single term loan for
multiple credit requirements of farmers like
Land Development, Minor Irrigation, Allied
activities and other Agri-related activities.
● Eligibility: Individual/Group of farmers and
JLGs/SHGs engaged in Agriculture and
other such allied activities.
● Repayment: Monthly/ quarterly/ half yearly/
yearly installments in 5-9 years with a
moratorium not exceeding 12 months.

8. FARM HOUSE CONSTRUCTION
SCHEME
● Salient Features:
○ This scheme can be used for repairing of
an existing farm house.
○ Construction of farm house and other
structures in agriculture land.
● Eligibility: Individual farmers and spouse to
join as co-borrower.
● Rate of Interest: MCLR 1 Year + 0.25 % pa.
(Floating).
● Repayment:
○ Within 15 years with a moratorium of 12
months for construction purpose.
○ Within 5 years for repair purpose.

9. SCHEME FOR AGRICULTURAL
LAND PURCHASE
● Salient Features: This scheme is for purchase of
agricultural land/fallow and waste lands by small and
marginal farmers and to develop and cultivate
agriculture for sustainable livelihood.
● Eligibility:
○ Individual farmers (Small and Marginal) / share
croppers/ tenant farmers.
○ Applicant should have satisfactory past
dealings
○ Land to be purchased should be within the
ceiling norms applicable for Small/Marginal
farmer.
● Repayment: Half yearly/yearly installments within 7
to 10 years with a maximum moratorium period of
24 months.

10. ORCHARD OR ESTATE PURCHASE
LOAN SCHEME
● Salient Features: Financing the purchase of
estates/orchard farms which has traditional
plantation crops like coffee, tea, rubber, cardamom,
pepper, coconut and other perennial orchard crops.
● Eligibility: Borrower should already possess
yielding estates/orchards and should be in a
position to rejuvenate the proposed land.
● Repayment: Within 7-9 years with a moratorium up
to 12 months.

11. SCHEME FOR FINANCING
FARMERS AGAINST WAREHOUSE
RECEIPT
● Salient Features: Financing farmers against pledge of their farm produce which is
covered under the Warehouse Receipts (WRs) issued by Central, State warehouses and
warehouses of Co-operative Societies registered with WDRA.
● Eligibility: SHGs / JLGs of farmers or Individual farmers.
● Rate of Interest: Ranging from 9.60% to 10.65% based on the loan slab.
● Repayment: Within 12 months from the date of disbursement/ the due date mentioned in
the warehouse receipt or the normal shelf life of the commodity, whichever is earlier.

12. SCHEME FOR FINANCING FOOD
AND AGRO PROCESSING UNITS
● Purpose:
○ Financing the purchase of new Food & Agro Processing units.
○ Credit for expansion/ renovation/ modernization/ increased efficiency/ improvement
in product quality of existing Food & Agro Processing units.
● Eligibility:
○ Entities which are promoted by the State Governments.
○ Individuals, Proprietor/Partnership concerns, Corporate companies etc..
● Rate of Interest: Ranging from 11.15% to 11.65% p.a.
● Repayment: Within 7 years with Moratorium period of one year which can go up to 2
years depending upon the nature of the project.

13. AGRI CLINIC AND AGRI BUSINESS
CENTRE
● Salient Features: To create self-employment
opportunities to unemployed Agricultural
Graduates, Diploma holders, and other Agri-
related courses.
● Eligibility: Person has to be a graduate in
Agriculture or allied subjects.
● Repayment: Within 5-10 years with a
moratorium up to 2 years.

14. SCHEME FOR RURAL GODOWNS
OR COLD STORAGES
● Salient Features:
○ For creating scientific storage capacity in rural areas for storing farm produce,
processed farm products, agricultural inputs.
○ To avoid distress sale by farmers immediately after harvesting.
○ To strengthen marketing infrastructure & promote pledge financing in India.
● Eligibility: Individual farmers, Group of farmers/Growers, Partnership/Proprietary firms,
Non-Government organizations (NGOs), Self Help Groups (SHGs), Companies, Co-
operatives, Federations, Agricultural Produce Marketing Committees (APMCs), Marketing
Boards and Agro Processing Corporations.
● Rate of Interest: Ranging from 10.20% pa to 11.20% pa
● Repayment: Within 11 years with a moratorium up to 1- 2 years.

15. SCHEME FOR FINANCING RUBBER
PLANTATIONS
● Salient Features: Credit facility for the
establishment and management of rubber
plantations.
● Eligibility: All the farmers.
● Repayment: Within 13 years with moratorium
period of 6 years.

16. TERM LOANS FOR MINOR
IRRIGATION
● Purpose: Financing for
○ irrigation pump sets/oil engines and installation of Solar pumps
○ Digging of new wells, deepening of existing wells, sprinkler units/ Drip irrigation units/
lift irrigation projects in river basins, construction of percolation ponds, laying of
irrigation channels etc..
● Eligibility: Individual farmers, Companies/Partnership Firms/ Co-operatives, Federation
of Co-operatives/JLG/SHG of farmers.
● Repayment:
○ Bore wells: 11-15 years with 23 months grace period
○ Pump set : 9 years with 11 months grace period
○ Sprinkler / Drip Irrigation :10-15 years with 11 months grace period.

17. TERM LOANS FOR LAND
DEVELOPMENT
● Purpose: Financing for
○ Creation of bunds for protecting farm lands
from soil erosion.
○ Converting dry lands into irrigable and
cultivable lands.
○ Levelling uneven sloppy and undulating
lands.
● Eligibility: All individual farmers/ corporate
companies/Partnership firms/ Co-operatives,
Federation of Co-operatives/ SHGs/ JLGs/
tenant or lease holding farmers.
● Repayment: Within 5-7 years with initial
moratorium period ranging from 6 months to 1
year

18. TERM LOANS FOR HORTICULTURE
DEVELOPMENT
● Salient Features: Providing finance to farmers
to establish new orchards, gardens and
nurseries and also the maintenance of the
existing gardens.
● Eligibility: Individual farmers/Corporate
companies/Partnership/Proprietorship firms/ Co-
operatives, Federation of Co-operatives of
farmers/ SHG/JLG of farmers.
● Repayment: Varies based on crop and as per
the NABARD guidelines.

19. SCHEME FOR FINANCING ANIMAL
HUSBANDRY
● Salient Features: Finance options to meet the
working capital requirement & expenditure for
running Dairy, Piggery, poultry, Goat/sheep
rearing, fisheries and sericulture.
● Eligibility: Individual farmers/ Companies/
Cooperatives of farmers/ Partnership/
Proprietorship firms/ SHG/ JLG of farmers.
● Finance amount: 75-85% of the project cost
● Repayment:
○ Dairy : 4-5 years
○ Poultry/Goat/Sheep/Fishery/Piggery/Sericul
ture : 3-7 years

20. DEBT SWAP SCHEME FOR
DISTRESSED FARMERS
● Purpose: Financial assistance to distressed farmers who need to clear their dues with
non-institutional lenders such as Private Money Lenders, MFI etc..
● Eligibility:
○ Tenant farmers/ Sharecroppers provided they are members of SHG JLG.
○ All individual farmers who are in distress due to indebtedness to Non institutional
lenders.
● Rate of Interest: MCLR 1 Year +0.20 = 9.65% and no processing charges.
● Repayment: Within 7 years in monthly / quarterly / half yearly / yearly instalments with
suitable moratorium period of 6 to 12 months.

21. SCHEME FOR FINANCING
DISTRESSED PERSONS OTHER
THAN FARMERS
● Purpose & Eligibility: Credit assistance to the
distressed persons (other than farmers ) i.e
Micro entrepreneurs who are indebted to non-
institutional lenders.
● Rate of Interest: MCLR 1 Year +0.20 = 9.65%
and no processing charges
● Repayment: Within 7 years in monthly
instalments, with suitable moratorium period of 6
months

22. VIJAYA BANK
• Vijaya Bank is a PAN India Institution, serving diverse sectors of the society
• The Bank offers a bouquet of innovative and attractive products and services
to its customers. It has also incorporated a host of latest Digital Banking
products, to provide the best services to its customers.
Digital Banking services are:
1. VPAYQWIK
2. Mobile Banking
3. Net Banking
4. Vijaya UPI
5. Twitter banking and many more…
For details, visit: https://www.vijayabank.com

23. THANK-YOU