Federal Prathyasha Loan

Features & Benefits

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


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  and speedy processing without any hidden charges or heavy penalties

How to apply ?

Who can apply?

  • Individual farmer indebted to informal sector – Either singly / jointly / groups of 5-10 persons belonging to different families (Joint Liability Groups- JLG)
  • Federal Prathyasha Loan shall be limited to one member of a family at a time. For the purpose of the scheme, family means Husband, Wife and Unmarried children. Married children having sufficient income can be considered as a separate family.
  • Members of the JLGs can be sanctioned with individual loans (Max. Rs.50,000/-) against the guarantee of rest of the members of JLG.
  • A farmer is a person directly engaged in Agriculture and Allied Activities (Allied activities- dairy, fishery, animal husbandry, poultry, bee-keeping and sericulture). Apart from farmers undertaking Agri & Allied activities in their own/leased lands, farmers can also be landless agricultural labourers, tenant farmers, oral lessees and share-croppers.
  • All individuals engaged in Agri & Allied activities as detailed above are eligible even if they are self employed /employed in public/private firms, practicing as professional, undertaking other business ventures etc.

How to avail the loan?

  • To avail the loan, Please visit any of our branches.

Documents Required

  • 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

Repayment options

  • Repayable in equated monthly Installments (EMI)

Loan Period and Amount

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

Other terms and conditions

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

Interest Rates & Charges

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