• Term loan
• Working Capital
• Both

• Working capital, term loan for creation of infrastructure for storage, processing, marketing etc.
• Bulk loan for on-lending for asset creation at member level

• The PO should have been incorporated at least for six months prior to submission of loan application.
• The PO should should have at least one audited balance sheet as on the date of application.
• The PO should have a minimum subscribed share capital of Rs.2 lakh (audited or as per ROC) with positive Net Worth.
• The PO should not have been in default to any organization.
• The PO should comply with legal requirements such as necessary licences, TIN/GST number etc.
• The PO should have a regular CEO in place.
• The PO should have a well laid out business plan at least for the next one year.
• The PO should fall into the A+, A, B+ or B category of POs based on NABKISAN rating tool. For FPOs promoted under the 10,000 FPO scheme of Government of India, C+ category on the NABKISAN rating tool are also eligible.

• Maximum 85% of the project cost or working capital requirement.

• Hypothecation of assets created out of loan and coverage under relavant Credit Guarantee Scheme / Collateral Security.

• Linked to ALCO rate of NABKISAN and as per the rate of interest policy of NABKISAN applicable from time to time.
• Based on the rating of POs, appropriate margin shall be applicble - Working Capital (A+ (1.25%), A(1.5%), B+(1.75%), B(2%), C+ (2.25%)) / Term Loan (A+(1%), A(1.25%), B+(1.5%), B(1.75%), C+(2%))
• A fixed percentage is charged towards the management fee.
• Apart from the ALCO rate, margin and management fee, rate of interest shall include credit risk premium based on the Credit Guarantee coverage available.
• For loans longer than 18 months, appropriate tenor premium shall be applicable.

• Maximum of 18 months for WC and 7 years for term loans.

• 1% of loan amount.
• In case of repeat clients, lower processing fees shall be applicable.

• Assets acquired out of the loan should be insured by the borrower and endorsed in favor of NABKISAN by the borrower.

• Pledge loan (Loan against e-NWRs)

• Loan against pledge of agricultural commodities

• The PO should have been incorporated at least for six months prior to submission of loan application.
• The PO should should have at least one audited balance sheet as on the date of application.
• The PO should have a minimum subscribed share capital of Rs.2 lakh (audited or as per ROC) with positive Net Worth.
• The PO should not have been in default to any organization.
• The PO should comply with legal requirements such as necessary licences, TIN/GST number etc.
• The PO should have a regular CEO in place.
• The PO should have a well laid out business plan at least for the next one year.
• The PO should fall into the A+, A, B+ or B category of POs based on NABKISAN rating tool. For FPOs promoted under the 10,000 FPO scheme of Government of India, C+ category on the NABKISAN rating tool are also eligible.

• Ranges from 60-75% of price of total pledged stock depending on the commodity as governed by Loan Policy of NABKISAN.

• Pledge of eNWR with lien noted in favour of NABKISAN.

• Linked to ALCO rate of NABKISAN and as per the rate of interest policy of NABKISAN applicable from time to time.
• Based on the rating of POs, appropriate margin shall be applicble (A+(1.25%), A(1.5%), B+(1.75%), B(2%), C+(2.25%)).
• A fixed percentage is charged towards the management fee.

• Maximum of 12 months from the date of disbursement

• Value of the commodity minus commodity specific margin amount, subject to a maximum of Rs. 1 Crore

• 1% of loan amount.
• In case of repeat clients, lower processing fees shall be applicable.

• The stock of commodity will be insured to full value and endorsed in favour of NABKISAN by the borrower.