Agriculture Vertical

Annexure 1: List of modified charges

Charge Charge Revised charges
category description Previous charges
Processing Up to 10 Lacs- NIL Upto 10 Lacs- NIL
Charges for Above 10 Lacs– 350/lac or
Agriculture part thereof maximum For Working Capital

)
Rs.35.0 Lacs+ GST (For (Fresh/Review)

82
exporters Rs.17.50 Lacs)
Fund Based:

25
For Term Loan
Above 10 Lacs - DL/TL 1% of Above 10 Lacs– Rs.350/lac

11
the limit sanctioned with a or part thereof maximum
maximum of Rs.100 lacs Rs.35.0 Lacs+ GST (For

K
(Cap for exporter- Rs.50 lacs) exporters Rs.17.50 Lacs)

.(S
Non Fund Based:
50% of charges Applicable
for Fund Based Limit (Cap for

Y
Priority Sector Rs.17.50 lacs

JA
and for exporters Rs.7.50
N lacs

For Term Loan (Fresh)

SA

Above 10 Lacs - DL/TL

0.75% of the limit sanctioned
R

For Term Loan (Review)

A

Above 10 Lacs – Rs.60 per

lac or part thereof with No
M

Cap
U

Note: Please note that any specific

K

scheme related charges which is

r.

mentioned in the scheme specific

circular remain in force and above
M

charges are not applicable in

Agriculture those specific schemes of
y:

Advances agriculture.
Inspection Up to 10 Lacs- NIL Up to 10 Lacs- NIL
B

charges for Above Rs. 10 lakhs- Rs250+

ed

Agricultural Above 10 Lacs to 1 Crore – GST per inspection or actual

Advances Rs.1000+GST expenses whichever is higher
ad

Above Rs1 Crore – Rs. Note: Please note that any specific
5000+GST scheme related charges which is
o

mentioned in the scheme specific

nl

In addition to the above actual circular remain in force and above

conveyance and out of pocket charges are not applicable in
ow

exp. reimbursed to be those specific schemes of

recovered agriculture.
D
 Agriculture Vertical
Inspection
Charges for crop NIL
loan NIL

Annexure 2: Revised list of schemes with scheme codes and summary list of features

)
82
Schem Schem Existing Existing
e Type e scheme scheme

25
Scheme Code Summary features
Name code/Na code -
me - Dena Vijaya

11
ODA OD BARODA KISAN OD02 NA NA To meet the emrergent fund requirement of the
TATKAL 2 farmerfor agriculture and domestic pirpose during

K
off season

.(S
ODA ODBOD FOR OD03 ODA01 NA For agriculture and allied activities.
FARMERS 2
ODA OD FOOD AND OD03 ODA02 NA Working capital requirements

Y
AGRO 5

JA
CCA BKCC- CC00 CCA11 NA Kisan Credit Card Scheme aims at providing
DOUBLE/MULTIPLE 3 adequate and timely credit support from the
CROP banking system under a single window to the
N
CCA12 farmers for their cultivation & other needs as
SA
indicated below:
CCA23
a. To meet the short term credit requirements for
CCA24 cultivation of crops including fodder crops.
R

b. Post-harvest expenses.
c. Produce marketing loan.
A

d. Consumption requirements of farmer household.

M

e. Working capital for maintenance of farm assets

and activities allied to agriculture, like dairy, poultry,
U

fisheries, piggery, sericulture etc.

K

f. Investment credit requirement for agriculture and

allied activities like purchase of farm
r.

equipment/machinery like pump sets,

M

sprinklers/drip irrigation equipment, pipe line,

power tiller, tractor, Sprayers, milk animals,
y:

vehicles for transportation of farm produce etc.

CCA CC AGST WR BY CC00 NA WR742 Working capital requirement.
B

COLLA MGR 7
CCA CROP LAON CC00 CCA18 CC605 Any purpose covered under Priority Sector
ed

AGAINST GOLD 8
CCA AGRI COLD CC00 NA NA Term Loan / Working capital facilities for creation
ad

STORAGE 9 of scientific storage capacity viz. godowns, dry

warehouses, cold storages, cold chains, silos and
o

market yards.
nl

CCA CC NRLM WOMEN CC01 CCA30 CC627 To provide credit facilities to SHGs for livelihood
SHG 9 development and taking up different Agricultural,
ow

ODA03 Agri-allied and other Non Agri income generating

activities.
CCA CC FOOD AND CC02 CCA13 WC772 1-Working capital requirements
D

AGRO BASED 1 2- Financing new project i.e.

 Agriculture Vertical
CC629 acquisition/construction of land & Building and
WC773 Plant & Machinery based on the project cost
including takeover of existing units.
WC774 3- Non Fund based facilities ( i.e. Bank Guarantee
and Letter of Credit)
CCA CC AGST WR (RJ CC02 NA NA Working capital requirement.-Special for Jaipur
ZONE) 2 Zone

)
82
CCA BKCC-LONG TERM CC02 CCA25 NA Same as Kisan Credit Card
CROPS 5
CCA28

25
CCA FIN FARMER CC02 NA AG630 Loan facilities may be considered for any / few / all

11
PRODUCER 6 the activities depending on the requirement of
COMPA FPC:

K
1) Purchase of Input material for supplying to the
farmers

.(S
2) Warehouse receipt finance
3) Marketing activities
4) Setting up of Common Service Centres

Y
5) Setting up of Processing Centre
6) Common Irrigation Facility

JA
7) Custom Purchase/Hiring of Farm Equipment
8) Purchase of High-Tech Farming Equipment
N
9) Other productive purposes – based on
SA
submitted investment plan
CCA BKCC-MONO CROP CC02 NA VK865 Same as Kisan Credit Card
8
R

AG692
A

VK690
M

CCA BKCC-SINGLE CC02 NA NA

CROP 9
U

CCA CASH CREDIT TO CC03 CCA15 CC628 To provide credit facilities to SHGs for livelihood
K

SHG 2 development and taking up different Agricultural,

Agri-allied and other Non Agri income generating
r.

activities.
M

CCA CASH CREDIT TO CC03 NA NA To provide credit facilities to JLG for livelihood
JLG 3 development and taking up different Agricultural,
Agri-allied and other Non Agri income generating
y:

activities.
B

CCA Cash Credit to SHGs CC03 CCA49 OD632 To provide credit facilities to SHGs in partnership
sponsored by 1 with Corporate BCs for taking up different
ed

corporate BC Agricultural, Agri-allied and other Non Agri income

OD633 generating activities.
ad

OD641
LAA AFS-1-AGRI LA401 LNA74 NA • Purchase of agricultural implements such as
o

IMPLEMENTS indigenous wooden implements, improved iron

nl

implements, agricultural equipments such as

sprayers, dusters etc., hand tools such as khurpi,
ow

sickles, secateurs etc. for farm use, threshers,

winnowers, seed-cum-fertilizer drills, etc.
D

• Purchase of bullocks or camel (draught animals)

and/or animal drawn cart.
 Agriculture Vertical
LAA AFS-2- LA402 LNA80 NA Purchase of new or second hand tractors, tractor
TRACTOR_MACHIN drawn implements, power tiller and other
E agricultural machineries.
LNA91
LAA AFS-3-CROP LA403 DLA12 VK866 Purchase of agricultural inputs such as seeds,
LOANS fertilizers, pesticides, etc. and for payment of
labour charges, irrigation cess, etc.

)
DLA15 VK867

82
DLA41 PR741 A farmer whether he had availed the loan for
raising the crop or not, can also be granted post-
LNA40

25
harvest finance i.e. extension of crop loan for a
LNA42 maximum period of twelve months against

11
pledge/hypothecation of produce or pledge of
LNA77
warehouse receipt covering his farm produce. In
LNA82

K
case such farmer also owes crop loan to the Bank,
LNA87 the outstanding in the crop loan account should be

.(S
adjusted from the post-harvest advance.
LNA89
LAA AFS-4-IRRIGATION LA404 LNA65 AG746 Loan facilities may be provided for construction,

Y
LNA66 Deepening, levelling etc of well/dugwell/tubewells,
drip, sprinkeler irrigation, water storage tank

JA
LNA75
LNA94 N
LNA95
SA

LAA AFS-6-CUSTOM LA406 DLA46 NA • Purchase of tractor, bulldozer

SERVICES • Purchase of fixed wing aircrafts and helicopters
together with the accessories for aerial spraying
R

• Purchase of drilling rig for boring wells/drilling of

A

tube wells
• Purchase of equipment for construction of wells
M

and /or execution of lift irrigation scheme for water

U

supply service
• Purchase of combine harvesters, threshers, etc.
K

for hiring on custom basis

r.

• Purchase of truck and trailer units to be hired to

farmers for transporting farm produce from farms to
M

processing factories or market yards.

• Purchase of Excavator for earth works
y:

• acquiring tankers engaged in transportation of

B

milk
• Acquiring specialized trucks for transportation of
ed

poultry birds
• Purchase of bullock cart
• Establishing curing barns for tobacco
ad

• Providing canning and processing facilities to

farmers on custom basis and
o

• Financing capital expenditure and working capital

nl

requirements of organizations or institutions

carrying out farming operations on contract basis
ow

• Providing processing/grading facilities at market

yards on hire basis.
D

LAA AFS-7-FARM LA407 LNA88 AG747 • The credit requirements of farmers for
STRUCTURES construction and repair of farm buildings and
 Agriculture Vertical
AG748 structures viz; bullock shed, implement shed,
tractor and truck shed, farm store, godowns and
farm silos, dutch barn, water trough for farm
animals, threshing yard, “gur” making shed and
fencing.
• For construction of farm house cum dwelling unit
(with one or more farm structures as above) on

)
own farm.

82
• The farm house constructed on the farm, along
with the other structures as stated above, is thus a

25
necessity and will serve as a utility house for
farmer’s residence as well for his other farming

11
related activities. This will also help to meet the
housing requirement of farmers.

K
• For reimbursement of expenses incurred for farm

.(S
house cum dwelling unit constructed recently from
own sources to good clients selectively, subject to
additional terms and conditions. It should have
been constructed / purchased recently (not prior to

Y
24 months).

JA
• Proposal for specific buildings such as dairy shed,
poultry shed, pig house, cattle shed, dairy
N
buildings, cold storage plants should be considered
under the respective schemes
SA

LAA AFS-8- LA408 LNA70 NA For establishing new orchards or for maintenance
HORTICULTURE of existing orchards, gardens, plantations and
LNA72 nurseries. All capital costs for development of
R

orchards, gardens, plantations (including purchase

A

and installation of machinery, construction of

processing houses etc.) and maintenance costs
M

(such as cost of plants, seedlings, grafts, fertilizers,

U

insecticides, pesticides etc., wages and salaries of

permanent employees such as supervisors,
K

gardeners etc. can be financed under the scheme.

r.

LAA AFS-9-AGRI LAND LA409 LNA71 NA Credit facility may be considered for bunding,
DEVELOPME terracing, levelling, Kyari preparation, drainage lay
M

outs and reclamation of saline, alkaline and ravine

lands.
y:

LAA AFS-10-AGRI LA410 LNA81 NA To meet capital expenditure and working capital
B

ALLIED ACTVTY requirements of units engaged in dairy, piggery,

LNA83 poultry, fishery, sericulture (up to cocoon stage),
ed

LNA84 agriculture and rearing of sheep, goat and camel,

for construction of animal sheds, pig houses,
LNA85 poultry sheds, etc. for purchase of milch animal
ad

LNA86 such as cows, buffaloes, breeding pig, one day old

chicks, layers, equipment/machinery, transport
o

vehicles for purchase of feed and for meeting other

nl

expenses such as labour, marketing etc.

LAA AGRI GOLD LOAN LA411 DLA44 JL705 Any purpose covered under Priority Sector
ow

DLA48 JL708
D
 Agriculture Vertical
LAA AGRI-PROD MKTG LA412 NA NA To mitigate acute distress faced by farmers due to
LOAN heavy burden of debt availed from non-institutional
lenders (money lenders, agro input dealers, traders
in agri produce etc.) by providing loans for such
redemption.
LAA AGRI-LAND LA413 LNA12 NA To finance the share croppers/tenant farmers to
PURCHASE purchase land to enable them to increase income.

)
b. To finance the farmers to purchase, develop and

82
cultivate agricultural and fallow/waste land.
c. To finance purchase of land to enable the

25
farmers to diversify into other allied activities.
LNA78
NOTE: Complete details of the project proposal of

11
the farmers should be obtained by the branches
while considering finance for purchase of land.

K
.(S
Y
LAA CONST. OF RURAL LA414 LNA68 NA Term Loan / Working capital facilities may be

JA
GODOWNS considered for any / all the activities as following:
LNA90 • For creation of scientific storage capacity viz.
N
godowns, dry warehouses, cold storages, cold
chains, silos and market yards.
SA

• The above facilities may be considered for

financing towards construction of new projects.
The structures should be designed and used to
R

store agriculture produce/products and the scheme

A

does not include takeover incomplete/partially

completed proposals.
M

LAA TWO WHEELER LA416 LNA69 NA Purchase of new Two Wheelers (Motorcycle /
U

LOAN TO FARMS Scooter)

LAA AGRI COLD LA417 LNA63 NA Term Loan / Working capital facilities may be
K

STORAGE considered for any / all the activities as following:

• For creation of scientific storage capacity viz.
r.

godowns, dry warehouses, cold storages, cold

M

chains, silos and market yards.

• The above facilities may be considered for
y:

financing towards construction of new projects.

The structures should be designed and used to
B

store agriculture produce/products and the scheme

ed

does not include takeover incomplete/partially

completed proposals
LAA BARODA KISAN LA420 DLA18 AG738 An instant credit for farming community to meet the
ad

TATKAL emergent funds requirements for Agriculture and

AG740 domestic purposes during off season such as
o

purchase of bullock, implements, storage/packing

nl

material ,storage structures, onion sheds, purchase

of pump set, pipes for irrigation etc. and also
ow

domestic requirements for various religious

ceremonies, festivals, emergent medical expenses
D

and other emergency expenses etc.

 Agriculture Vertical
LAA AGRI-OTHERS- LA421 NA NA
CROP NORMS
LAA AGRI-OTHERS-90 LA422 NA NA
DAYS NORMS
LAA DL AGST WR BY LA426 DLA14 NA In case of Farmers, Demand Loan. For others:
COLLA MGR Cash Credit (Pledge).
DLA42

)
82
DLA43
LAA BARODA CAR LN LA427 LNA61 NA • For purchase of any new/used four wheeler

25
FARMERS including Jeep, SUV, Station Wagon, Rural
Transport Vehicle etc. for using in their farm

11
management activities.
• Used vehicle should not be more than 3 years

K
old.

.(S
LAA TL/DL MINI DAIRY LA428 NA NA To establish new small dairy units with -2- to -10-
UNITS milch animals
LAA TL/DL FOOD AND LA429 LNA92 SL918 Working capital requirements
AGRO BASED Financing new project i.e. acquisition/construction

Y
SL933 of land & Building and Plant & Machinery based on

JA
ML857 the project cost including takeover of existing units.
Non Fund based facilities ( i.e. Bank Guarantee
SL919
N
and Letter of Credit)
SL923
SA

LAA SMART PHONE LA430 NA NA To purchase Smart Phone

FOR FARMERS
LAA FIN PROTECTED LA431 NA NA Loan facilities may be considered for the following
R

CULTIVATION activity/ies:
A

i) Towards construction of Green House/Poly

M

house / Shade Net House /plastic tunnels & walk in

tunnels / Anti-bird/anti hail nets
U

ii) Towards Purchase of plastic mulching /

K

purchase of components/equipment for use under

protected cultivation
r.

LAA FIN FARMER LA432 NA AG749 Loan facilities may be considered for any / few / all
PRODUCER the activities depending on the requirement of
M

COMPA FPC:
1) Purchase of Input material for supplying to the
y:

farmers
B

2) Warehouse receipt finance

AG750 3) Marketing activities
ed

4) Setting up of Common Service Centres

5) Setting up of Processing Centre
ad

6) Common Irrigation Facility

7) Custom Purchase/Hiring of Farm Equipment
8) Purchase of High-Tech Farming Equipment
o

9) Other productive purposes – based on

nl

submitted investment plan

ow

LAA TRACTOR LN-AGRI LA434 NA NA Purchase of new or second hand tractors, tractor
END USE AND drawn implements, power tiller and other
AGRI HIRING agricultural machineries.
D
 Agriculture Vertical
LAA TRACTOR LN-AGRI LA435 NA NA Purchase of new or second hand tractors, tractor
CUM COMMERCIAL drawn implements, power tiller and other
END USE agricultural machineries.
LAA TATKAL TRACTOR LA436 NA NA Purchase of new or second hand tractors, tractor
LOAN drawn implements, power tiller and other
agricultural machineries.
LAA LOAN TO LA437 NA NA For construction of individual household toilet

)
82
FARMERS FOR
CONSTRUCTIONS
OF TOILET

25
LAA LABOD FOR LA438 DLA01 NA For agriculture and allied activities.
FARMERS

11
LAA DL/TL NRLM LA525 LNA29 SL930 To provide credit facilities to SHGs for livelihood
WOMEN SHG development and taking up different Agricultural,

K
Agri-allied and other Non Agri income generating

.(S
activities.
LAA Demand Loan SHGs LA527 DLA49 NA To provide credit facilities to SHGs for livelihood
Sponsored by development and taking up different Agricultural,
Corporate BCs Agri-allied and other Non Agri income generating

Y
LNA49 activities.

JA
LAA Term/Demand Loan LA528 LNA15 SL931 To provide credit facilities to SHGs for livelihood
to SHGs development and taking up different Agricultural,
N
LNA16 Agri-allied and other Non Agri income generating
SA
activities.
LAA DL/TL to JLGs LA529 NA NA To provide credit facilities to JLG for livelihood
development and taking up different Agricultural,
R

Agri-allied and other Non Agri income generating

activities.
A

LAA MAH GOVT LOAN LA433 NA NA

M

WAIVER SCH-
CCA PLANTERS CARD NA NA VP701 • To meet the short term credit requirements for
U

SCHEME cultivation of coffee, inter-crops & other plantation

K

crops.
• To meet post-harvest expenses, produce
r.

marketing loan, consumption requirements of

M

planter’s household, working capital for

maintenance of farm assets and activities allied to
y:

agriculture like dairy animals, poultry, inland

fisheries etc., payment of insurance premium
B

towards crop / asset / health insurance.

• Investment credit / term loan requirement for
ed

agriculture and allied activities like pump-sets,

sprayers, dairy animals etc.,
ad

LAA SHAHARI NA DLA45 NA For raising of roof garden

BAGWANI YOJNA
o
nl

Annexure 3: Scheme which cease to exist from 1st April

ow
D
 Agriculture Vertical

Bank Name Scheme type Scheme name Scheme code

Dena Bank ODA OD-AGRI-AGAINST TDR ODA01
Dena Bank ODA OD-COLD STORAGE(AGRICUL) ODA02
Dena Bank ODA AGR- SHG-REVOLVING FUND ODA03

)
Dena Bank ODA OD-PRESEASON HARV/TRANSP ODA04

82
Dena Bank CCA CC-AGRI-SPFS-SEED PROCESS CCA16

25
Dena Bank CCA CC-DKCC -SHORT TERM-RABI CCA23
Dena Bank CCA CC-DKCC -SHORTTERM-KHARIF CCA24

11
Dena Bank CCA CC-DKCC S T LONG DU CRO CCA25

K
Dena Bank CCA CC -DKCC PRODUCE MKT LOAN CCA26

.(S
Dena Bank CCA CC-DKCC WC AGRI &ALLIED CCA27
Dena Bank CCA CC-SHG-FARM (EX REV FUND CCA15
Dena Bank CCA CC-AGRI-GENERAL CCA01

Y
Dena Bank CCA CC-DKCC OTHERS CCA28

JA
Dena Bank CCA CC-ALL AGR COM GRA & SORT CCA17
Dena Bank CCA CC-DKCC (SUBVENTION SCHM) CCA11
N
Dena Bank CCA CC-AGRI-ME/T&S/OTHER CCA14
SA

Dena Bank CCA CC-DKCC (GEN) NO SUBVENT CCA22

Dena Bank CCA CC-AGR GOLD&SILVER(SUBVEN CCA18
R

Dena Bank CCA TOTAL WRITE OFF SHA02

A

Dena Bank CCA DAY- NRLM -AAJEEVIKA CCA30

M

Dena Bank CCA .YET TO BE USED CCA19

U

Dena Bank CCA CC-AGRI-DKBCC CCA12

K

Dena Bank CCA SHADOW LED PRU W/OFF ACCT SHA01

Dena Bank CCA CC-CONSTRUCT STORAGE FAC CCA29
r.

Dena Bank CCA CC-AGRI-CORPORATE CCA13

M

Dena Bank CCA CC AGRI MAVIM DAY NRLM CCA49

y:

Dena Bank CCA NATIONAL URBANLIVELIHOOD CCA20

Dena Bank LAA DL-AGRI-AGAINST TDR DLA01
B

Dena Bank LAA DL-AGRI-WCDL DLA10

ed

Dena Bank LAA IDL-AGRI-FUNDED INT DL DLA11

Dena Bank LAA DL SHORT TERM CROP LOAN DLA12
ad

Dena Bank LAA DL AGT WARE HOUSE RECIEPT DLA14

o

Dena Bank LAA DL- DKCC AGRI DEMAND LOAN DLA15

nl

Dena Bank LAA DL-DKCC RESCHEDULE CROP DLA16

ow

Dena Bank LAA DL DKCC RESCHEDULE TL DLA17

Dena Bank LAA DL AGR KISAN TATKAL SCHM DLA18
D

Dena Bank LAA DEM-LN-INVOKE GT AGRI DLA25

 Agriculture Vertical

Dena Bank LAA NSFDC DEMAND LOAN AGRI DLA40

Dena Bank LAA DL-AGRI-CROP LOAN DLA41
Dena Bank LAA DL-AGRI PRODUCE MKT-NCMSL DLA42
Dena Bank LAA DL-AGRI-PRODUCE/STORAGE DLA43
Dena Bank LAA DL-AGRI GOLD &SILVER LOAN DLA44

)
Dena Bank LAA DL-AGR SHAH BAGWANI-DSBY DLA45

82
Dena Bank LAA DL-PRESEASON-HARVEST/TRAN DLA46

25
Dena Bank LAA DEM-LN-DEVOLVED LC DLA47
Dena Bank LAA DL-AGRI-GOLD & SILVER DLA48

11
Dena Bank LAA DL-MAVIM DAY NRLM DLA49

K
Dena Bank LAA DL-AGRI-PROTESTED BILLS DLA98

.(S
Dena Bank LAA DL-AGRI-GENERAL DLA99
Dena Bank LAA TL-AGRI-FITL LNA11
Dena Bank LAA TL-KISAN BHOOMIHEEN CCARD LNA12

Y
Dena Bank LAA TL-SHG-FARM PRO INVESTMEN LNA15

JA
Dena Bank LAA TL-AGR SHG/NGO/-MICRO CRE LNA16
Dena Bank LAA TERM LOAN-DRI-AGR LNA18
N
Dena Bank LAA TERM LOAN-SLRS-AGRI LNA19
SA

Dena Bank LAA TL-AGRI-PMRY LNA20

Dena Bank LAA TL-AGRI-SGSY/IRDP LNA21
R

Dena Bank LAA TL- AGRI-SJSRY LNA22

A

Dena Bank LAA TL-DKCC RESCHEDULED LNA23

M

Dena Bank LAA TL-RESCHEDULED TERM LOAN LNA24

U

Dena Bank LAA TL DKCC RESCHEDULE CROP LNA25

K

Dena Bank LAA TL-ALL AGR COM GRA & SORT LNA26
Dena Bank LAA TL-AGR KISAN ALL PURP LN LNA27
r.

Dena Bank LAA TL-AGRI ESTATE PURCH SCHM LNA28

M

Dena Bank LAA DAY-NRLM AAJEEVIKA LNA29

y:

Dena Bank LAA NATIONAL URBANLIVELIHOOD LNA30

B

Dena Bank LAA NSFDC TERM LOAN AGRI LNA40

Dena Bank LAA TL AGRI UNDER NBCFDC LNA42
ed

Dena Bank LAA TL MAVIM DAY NRLM LNA49

ad

Dena Bank LAA TL-AGRI-VEHICLES LNA61

Dena Bank LAA TL-AGRI-FERT DISTRIBUTOR LNA62
o

Dena Bank LAA TL-AGRI-COLD STORAGE LNA63

nl

Dena Bank LAA TL-AGR-KISAN GOLD CR CARD LNA64

ow

Dena Bank LAA TL-AGRI-WATERSHED DEV LNA65

Dena Bank LAA TL-AGRI-IRRIGATION PROG LNA66
D

Dena Bank LAA TL-AGRI-CLINIC/BUSINESS LNA67

 Agriculture Vertical

Dena Bank LAA TL-AGRI-RURAL GODOWN LNA68

Dena Bank LAA TL-AGRI TWO WHEELERS LNA69
Dena Bank LAA TL-AGRI JATROPA PLANT LNA70
Dena Bank LAA TL-AGRI LAND DEVELOP LNA71
Dena Bank LAA TL-PLANTATION -NHB LNA72

)
Dena Bank LAA TL-PROD OF HYBRID SEED LNA73

82
Dena Bank LAA TL-AGRI EQUIPMENTS LNA74

25
Dena Bank LAA TL-WATER HARVESTSC/ST LNA75
Dena Bank LAA TL-REC-PAC/LAMP/FSS ETC LNA76

11
Dena Bank LAA TL-TENANT FARMER & ORAL LNA77

K
Dena Bank LAA TL- PURCHASE OF LAND LNA78

.(S
Dena Bank LAA TL- RELIEF TO FARMERS LNA79
Dena Bank LAA TL- FINANCE TRILLER TRACT LNA80
Dena Bank LAA TL- VENTURE-DAIRY POULTRY LNA81

Y
Dena Bank LAA AGRI- GEN CREDIT CARD LNA82

JA
Dena Bank LAA AGRI- IDDP -DAIRY DEV LNA83
Dena Bank LAA AGR- DAIRY DEV MILCH LNA84
N
Dena Bank LAA AGR-COMM DAIRY FARMING LNA85
SA

Dena Bank LAA AGR CALF REARING LNA86

Dena Bank LAA TL DENA SEED PROC FIN SCH LNA87
R

Dena Bank LAA TL-AGR FARM BUILD FINANCE LNA88

A

Dena Bank LAA TL- GUJ FODDER SCARCITY LNA89

M

Dena Bank LAA TL- CONSTRUCTION STORAG LNA90

U

Dena Bank LAA TL-NEW TRACTOR FIN SCHM LNA91

K

Dena Bank LAA FINANCE ASTT TO SUGAR UT LNA92

Dena Bank LAA AGRI-MKT-INFRAS-NABARD LNA93
r.

Dena Bank LAA TL CSCRS-SOLAR PUMP SETS LNA94

M

Dena Bank LAA DENA SOLAR-SOLAR POWER LNA95

y:

Dena Bank LAA TL INDIRECT AGRI- EI TYPE LNA97

Dena Bank LAA TL-AGRICULTURE-GENERAL LNA99
B

Vijaya Bank ODA OVERDRAFT(CLEAN) OD603

ed

Vijaya Bank ODA SHG-SKDRDP- KARKALA OD633

Vijaya Bank ODA SHG-SKDRDP OD632
ad

Vijaya Bank ODA SHG-SKDRDP BC TRUST OD641

o

Vijaya Bank ODA OD - V - ENTREPRENEUR OD604

nl

Vijaya Bank ODA CASH CREDIT (MISC) OD601

ow

Vijaya Bank ODA OVERDRAFT (SECURED) OD602

Vijaya Bank CCA JLCCAGRI CC605
D

Vijaya Bank CCA CC-VIJAYAKRISHICARD VK865

 Agriculture Vertical

Vijaya Bank CCA VIJAYAKISANCARD AG692

Vijaya Bank CCA AGRCL.CASHCREDIT AG691
Vijaya Bank CCA IDF-VKC-JLGS VK690
Vijaya Bank CCA AG.COMMODITYPLEDGELOAN WR742
Vijaya Bank CCA SHG-NRLM NON-INTENS DIST CC628

)
Vijaya Bank CCA SHG-NRLM INTENS DIST CC627

82
Vijaya Bank CCA CASH CREDIT(HYP)-GENERAL CC621

25
Vijaya Bank CCA VSOD - (WC) WC771
Vijaya Bank CCA WC- V DHANYA - RICE MILL WC772

11
Vijaya Bank CCA CCH-MSME-V-SWADESH CC634

K
Vijaya Bank CCA CC - V CASHEW CC629

.(S
Vijaya Bank CCA V-TRADE CASH CREDIT CC611
Vijaya Bank CCA CCH - MSE VIJAY CC626
Vijaya Bank CCA WC- V DHANYA - FLOUR MILL WC774

Y
Vijaya Bank CCA WC-V DHANYA- DAL MILL WC773

JA
Vijaya Bank CCA CASH CREDIT-PLEDGE CC622
Vijaya Bank LAA AG-WC-FPO AG630
N
Vijaya Bank LAA VIJAYAKISANTATKALSCHEMEI AG738
SA

Vijaya Bank LAA VIJAYAKISANTATKALNONEI AG740

Vijaya Bank LAA AG-SL-FARM HOUSE-EI AG747
R

Vijaya Bank LAA AG-SL-FARM HOUSE-NONEI AG748

A

Vijaya Bank LAA AG-SL-FPO-EI AG749

M

Vijaya Bank LAA AG-SL-FPO-NONEI AG750

U

Vijaya Bank LAA DEVELOPMENTLOAN DL861

K

Vijaya Bank LAA JEWELLOAN(AGRICULTURE) JL705

Vijaya Bank LAA JLTLAGRI.(NON-SUBV.) JL708
r.

Vijaya Bank LAA VIJAYAKRISHIVIKAS VK875

M

Vijaya Bank LAA VKC(REVISED)-TL-EI VK866

y:

Vijaya Bank LAA VKC(REVISED)-TL-NON-EI VK867

Vijaya Bank LAA RESTRUCTURED-AGRI-EI-TL AG737
B

Vijaya Bank LAA AGRI - EI TERM LOAN- AG735

ed

Vijaya Bank LAA SEC.LOAN GENERAL-EI SL904

Vijaya Bank LAA VIJAYA KRISHI MITRA-AG TL AG739
ad

Vijaya Bank LAA PRONOTE LOAN-GENERAL(EMI) PL713

o

Vijaya Bank LAA SHG-NRLM INTENSIVE DIST SL930

nl

Vijaya Bank LAA SHG-NRLM NON-INTENS. DIST SL931

ow

Vijaya Bank LAA AGRI -NON EI TERM LOAN- AG860

Vijaya Bank LAA SL-DEBT SWAP SCHEME SL938
D

Vijaya Bank LAA GSS/ SUBSIDY LINKED SCHM CT855

 Agriculture Vertical

Vijaya Bank LAA SEC.LOAN GENERAL-NONEI SL905

Vijaya Bank LAA SUIT FILED ACCOUNT SF951
Vijaya Bank LAA MORTGAGE LOAN GENERAL-EMI ML839
Vijaya Bank LAA CLAIMS UNDER PDR ACT CP953
Vijaya Bank LAA ML GENERAL-NON EI ML850

)
Vijaya Bank LAA VIJAYA KRSHIMITRA NON EI AG741

82
Vijaya Bank LAA SL - VIJAYA FI GEN TL SL927

25
Vijaya Bank LAA V MORTGAGE-SL SL845
Vijaya Bank LAA AG-SOLAR WATER PUMP-NONEI AG746

11
Vijaya Bank LAA SL-DEBT SWAP SCHEME SL939

K
Vijaya Bank LAA DECREED ACCOUNT SD952

.(S
Vijaya Bank LAA RKLS - RESURGENT KERALA SL955
Vijaya Bank LAA PRODUCTION LOAN PR741
Vijaya Bank LAA SL - V - ENTREPRENEUR SL921

Y
Vijaya Bank LAA SL - V DHANYA - RICE MILL SL918

JA
Vijaya Bank LAA PRONOTE LOAN-GEN NON EI PL717
Vijaya Bank LAA SL - V CASHEW SL933
N
Vijaya Bank LAA SL- ESTATE PURCHASE-NONEI SL926
SA

Vijaya Bank LAA SL-MSME-V-SWADESH SL937

Vijaya Bank LAA SL-V SWASHAKTI SL907
R

Vijaya Bank LAA SL-MSE VIJAY SL928

A

Vijaya Bank LAA STAND UP INDIA SL-EI SL943

M

Vijaya Bank LAA ML- V CASHEW ML857

U

Vijaya Bank LAA SL-V DHANYA - FLOUR MILL SL923

K

Vijaya Bank LAA AGRI VIJAYA FI NON EI AG745

Vijaya Bank LAA SL -ESTATE PURCHASE-EI SL925
r.

Vijaya Bank LAA SL-V DHANYA- DAL MILL SL919

M

Vijaya Bank LAA AGRISL VIJAYA FI-EI AG744

y:

Vijaya Bank LAA LOAN AGAINST TERM DEPOSIT LT731

Vijaya Bank LAA V - WHEELS PRIORITY MV831
B

Vijaya Bank LAA RESTRUCTURED-VKC A/C-TL VK876

ed

Vijaya Bank LAA V-WHEELS-TWO WHEELERS MV859

Vijaya Bank LAA NULM-GROUP ENTERPRISE SL935
ad

Vijaya Bank LAA LOAN AGAINST NRE DEPOSIT LT732

o

Vijaya Bank LAA V- WHEELS MV841

nl

Vijaya Bank LAA SPRECIAL COFFEE TL -2002 SC887

ow

Vijaya Bank LAA TL LMV-SECOND HAND CAR MV824

Vijaya Bank LAA COFFEE CROP CONVERTED T L CT880
D

Vijaya Bank LAA V- COMBO VEHICLE LOAN MV944

 Agriculture Vertical

Vijaya Bank PCA PACKING CREDIT LOAN- INR PC651

Vijaya Bank PCA PACKING CREDIT(CLEAN) PC653
Vijaya Bank FB FDBP - WITHOUT LC FB556
Vijaya Bank FB FUDBP - WITHOUT LC FB557
Vijaya Bank FB FDBP - WITH LC FB561

)
Vijaya Bank FB BDFC-WITHOUT FC FB559

82
Vijaya Bank FB BPFC-WITHOUT LC FB563

25
Vijaya Bank LC FUDBP - WITH LC FB562

11
Annexure 4: Revised process maps (wherever applicable)

K
.(S
New loan origination and onboarding process including:

 Account opening process

Y
 Sanctioning process

JA
Response: In general, agriculture loans are processed at branch itself. The branch manager as
N
per his DLP will process/sanction the proposal and thereafter disbursement is made in the
SA

branch itself. Therefore, from collection of application to disbursement of loan and thereafter
monitoring of the same is done at branch level.
R
A
M
U
K
r.
M
y:
B
ed
o ad
nl
ow
D