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Modalities ATL
Modalities ATL
Modalities ATL
However, in recent past, it is observed that term lending for agriculture and
allied activities by Short Term Credit Cooperative Structure (STCCS)is not
picking up to the desired extent so as to sustain enhanced production and
productivity and raise farm income.
Agricultural Term Lending (ATL) contains inherent risks like - Credit risk,
Systemic risk, Risk of technical failure etc. which have prompted Cooperative
Banks to adopt restrictive collateral requirement, which many farmers cannot
meet. In addition, possibility of portfolio risk due to higher default in
repayment of term loans leading to higher loss provisioning and diversion of
short-term resources of Banks to long term finances with longer repayment
period, makes agricultural term lending a challenging proposition.
Some of the Schemes under which term finance shall be extended by the
Banks are indicated below. The list is indicative and not exhaustive.
• Dairy (2 animal unit to 10 animal unit size and Commercial Dairy also)
COOP-CR1-CRSTC-0003-2017/01/2024
• Goat Rearing
• Pig Rearing
• Poultry
• Sheep Rearing
• Plantation
• Nursery
• Floriculture
• Protected Cultivation
4.FARM MECHANIZATION
• Pump-sets
• Drones
5.AGRICULTURE DEVELOPMENT
• Land Development
• Dug Well
• Shallow Tube-Well
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• Deep Bore-Well
BENEFICIARIES
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PACS/LAMPCS will sanction the loan with prior pre-sanction formalities like-
field visits and documentation.
APPRAISAL COMMITTEES
FINANCING LIMITS
PACS and LAMPCS will take up financing of the ATLs up to the limit of Rs
10 lakhs (Including Subsidy) each after approval of the concerned DCCB.
MARGIN
SHARE LINKAGE
COOP-CR1-CRSTC-0003-2017/01/2024
The share requirement has been stipulated for Agricultural Term Loan
(ATL) in various slabs as under:
SECURITY
COOP-CR1-CRSTC-0003-2017/01/2024
DISBURSEMENT OF LOANS
Commissioner-cum-Secretary,
Co-operation Department.
COOP-CR1-CRSTC-0003-2017/01/2024