Homestead Farming - an intergrated production system
The small size land holdings, the agro-climatic conditions and the multi-tier cropping system have led into a highly intensive practice of growing crops along with allied activities around the home as an integrated enterprise. The practice is known as Homestead Farming. In this system the farmers cultivate a variety of crops of seasonal perennial nature in the surrounding of dwelling houses. The farmers also take up activities like dairying, rearing of goats. Piggery, poultry etc. and non farm activities like retail trade and cottage industries. The system is unique since there is a livestock - crop integration in homestead farms with flow of inter activity resources making homestead farming an integrated production system.
Purpose
The scheme aims to provide the farmers with need based credit, which would enable them to meet all the credit requirements of their homestead farms and also to encourage maximum utilization of available family labour and to create an integrated agribusiness at the micro level.
Eligibility
Available to Small and Marginal Farmers.
Homesteads having land holdings up to 5 acres are eligible and assessment is based on the extent of land holding.
Loan Amount
|
Land Holding
|
Maximum Loan Amount
|
| Upto 25 cents |
Rs. 25,000/- |
| Upto 50 cents |
Rs. 50,000/- |
| Upto 75 cents |
Rs. 75,000/- |
| Upto 1 Acre |
Rs. 1,00,000/- |
| Above 1 Acre & upto 2 Acre |
Rs. 2,00,000/- |
| Above 2 Acre & upto 5 Acre |
Rs. 3,00,000/- |
Rates & Interest
See Rates & Interest Page
Security
Primary Security
Hypothecation of Crops & other movables.
Collateral Security
Limits upto Rs.1.00 Lakh – Nil
Limits above Rs. 1.00 Lakh - Equitable mortgage of land of at least 150% of the loan amount.
Please contact any of our branches for enquiries about this loan facility.