BSE-NSE-web Portlet

Federal Prathyasha Loan

Federal Prathyasha Loan is designed to provide credit to distressed small and marginal farmers, enabling them to prepay their debt to the informal sector against collateral or group security.

  • Features & Benefits
  • How to apply ?
  • Documents Required
  • Repayment options
  • Loan Period and Amount
  • Security
  • Other terms and conditions
  • Interest Rates & Charges

Key Features

  • Ideal for individuals indebted to the informal sector – Either singly, jointly, or groups of 5-10 persons belonging to different families.
  • Members of the JLG (Joint Liability Group) are also eligible.
  • Minimal paperwork 
  • Speedy processing 
  • No hidden charges or heavy penalties

Who can apply?

  • Small and Marginal farmers only.

How to avail the loan?

  • To avail the loan, Please visit any of our branches.
  • Proof of Identity (Passport / Voters ID card/ Driving License/PAN Card)
  • Recent Passport size photograph
  • Address Proof (Ration card Tel/ Electricity Bill/ Lease agreement/ Passport/Trade license /Sales Tax certificate)
  • Proof of agricultural land/property


  • Repayable in equated monthly /quarterly /half-yearly /yearly installments depending on the cash flows available to the borrowers.

Loan period

  • Individuals - Maximum 84 months
  • JLGs         - Maximum 60 months

Loan amount

  • Individuals - Up to Rs. 5 Lac
  • Groups (JLG's) - Up to Rs. 3 Lac

Collateral for Individual Loans – Landed property valued not less than 200% of the loan amount

No collateral Security is required for loans to members of JLG, however guarantee of the other members of JLG, is required

In the case individual loans, spouse / father / mother should join as co-obligant.

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