NON AGRICULTURAL CREDITS

Amount
of Loan

Cash/Credit limit
other cooperative
Institutions

Rate of
Interest

Penal
Interest

Repay-
ment
Period

Security

Margin

Documents

Unlimited

Apex bank to CCBs
For Sugar Mills
CCBs to other Coop
Institutions
Direct to other Coop
Institutions.

Haryana Dairy Dev. Coop. Fed.

9%

 
 
7.75% 

1%
extra 
on the
amount
of
default

-do-

1 year

1 year

Government
Guaranttee
for  loss
incurring 
institutions and pledge of stock

Hypothication of Milk & Milk products

10% in case 
of levy Sugar 20% on free sugar Nil in case of Buffer Stock

25% in case 
of perishable items

1. Letter of
  Acceptance
2. Demand
   Promissory
    Note
3. Letter of
    Authority
4.Agreement 
     Deed
5. BOD's
   Resolutions

90% of the total outlay

BOARDS & 
CORPORATIONS
Apex bank to CCBs
CCBs to Boards and
Corporations
Direct to Boards and
Corporations

7.5% to 10%

Equitable Mortgage

10% margin

1. Letter of
   Acceptance
2. Demand
    Promissory
    Note
3. Letter of
    Authority
4. Agreement 
     Deed
5. BOD's
    Resolutions

100% of loan advance under A.R.F. Schemes of NABARD

Central cooperative bank for financing individual and through PACS

6.50% to 7.25%

1%

3 to 7 years

1. Application
2. Letter of continuity
3. Demand
Promissory Note
4. NODC statement
5. Cash reserve and liquid assets statements