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Home >> Loan Products >> Synd Kisan Swarna (SKS)
 
Synd Kisan Swarna (SKS)
 
Bank provides jewel loans to agriculturists for their agricultural credit needs on easy terms and at low cost:
  • A hassle free loan product to agriculturists against security of gold ornaments.
  • Product is designed keeping the various requirements of farmers in mind  and able to provide credit instantly.
  • Existing farm loan clients , fresh clients , persons who do not own  land/property like tenant farmers , share croppers, oral lessees etc who possess meager holdings  and persons pursuing allied activities to agriculture are eligible to avail finance under the scheme.
  • In addition to value of gold ornament pledged  the requirement of the farmer for crop cultivation /investment in agriculture/allied activities is taken in to account while deciding the quantum of loan.
  • Facility is available at rural and semi-urban branches. However, urban /Metro branches with or without service area villages can extend the facility to existing farm loan clients. Fresh farm loan clients are required to produce documentary proof confirming that he is an agriculturist.
  •  If the facility is availed for meeting crop production expenses, the rate of interest  will be 7% p.a. for loan amount up to Rs. 3.00 Lakh as applicable to agricultural crop production loans with interest subvention from GOI. Additional incentive subvention of  3% p.a. is provided to those farmers who repay their loans in time.
 
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