b) Above Rs. 50,000 and upto Rs. 1,00,000

c) Above Rs.1,00,000

d) For tobacco, Sugarcane and other crops under ti-up arrangement with boards/ factories/ companies
i. Upto Rs. 1 Lac
ii. Above one lac

i. Hypothecation of crops
ii. Mortgage of lands or Third party guarantee

i. Hypothecation of crops
ii. Mortgage of lands

i. Hypothecation of crops
ii. a. Hypothecation of crops
b. Mortgage of lands

Repairs /renovation 2 lakhs.
For furnishings consumer durables and 3 lakhs or 10 % of the project cost.

a) Fees payable to college/hostel
b) Examination/ Library /Laboratory fees
c) Purchase of Books/ Equipment/ Instruments/ Uniforms
d) Caution Deposit/Building Fund/Refundable Deposit
e) Travel Expenses /Passage money for studies abroad
f) Purchase of computer considered necessary for completion of course
g) Any other expenses required to complete the course viz: study tours, project work, thesis etc.

Minimum Rs.50,000; Maximum Rs.7.5 lakhs

Maximum Rs.9.0 lakhs, depending upon the size of the farm, in multiples of 1000 birds.

All farmers, entrepreneurs, artisans, business people, employees etc (in the age group of 18 to 50 years)., and members of SHGs having standard borrowal accounts.

Employees/ Professionals/ Self-employed/ Agriculturists including those engaged in allied activities and other individuals in the age group of 21 to 55 years

Income Criteria:
a) Minimum net monthly income of Rs. 6.000/- for salaried people
b) Minimum net annual income of Rs.75, 000/-in case of others.

Income Tax Return
a) IT return is not mandatory for the income up toRs.1,00,000/- P.A.
b) Income from all sources should be critically assessed for consideration.

Primary federations at Village / Cluster Level and whose membership does not exceed 30 SHGs.
Track record: Minimum one year is required in continuous thrift and credit activity from own funds, operating profit from thrift and credit operations, commitment to democratic governance. Approval of duly audited accounts in annual general body meetings.
Registration: Duly registered under Andhra Pradesh mutually Aided Cooperative Societies Act 1995.
Rating: at least once during last six months of their constituent Self Help Groups as per Critical Rating Index and at least75% of the groups have to be rated as ‘A’ category.

Default SHGs: Care is to be exercised to avoid financing through SHG Federations to existing default groups. To obviate double financing no dues Certificate has to be insisted from the SHGs

Other eligibility criteria:
a) The Federation should not have on its Executive Committee or Board of Directors, a member who is concurrently holding a political office.
b) The General Body Meeting has to be convened in accordance with the provisions of law and in any case at least once in six months in accounting year.
c) The Board of Directors meeting has to be convened on regular basis at least once in a month in preceding two years with structured agenda and the deliberations should have to be recorded or minutised.
d) The financial accounts to be audited by a Chartered Accountant during last two years and would have to be placed before its General Body.
e) The annual returns have to be filed before the statutory authorities as per the provisions and relevant laws.
f) The various posts of the federation has to be filled in the manner specified in bye laws.
g) 95 percent of the loan accounts of federation should be as Standard Assets.

As applicable to financing SHGs

a) Pensioners of all Central, State governments and PSUs whose pension accounts are maintained with our bank.
b) Family pensioners having accounts with us. i.e., spouse who is authorized to receive pension after the death of the pensioner.
c) Age of the pensioner and family pensioner should not be more than 70 and 65 years respectively

a) Permanent employees of State, Central Governments, Public Sector Under takings, Corporations, Private Sector companies and reputed establishments
b) Professionals, Self Employed, Business men and other Income tax assesses.
c) Persons engaged in Agriculture & allied agriculture
in the age group of 21 to 60 Yrs.

Income Criteria
a) Salaried: Net monthly income should be at least two times of EMI.
b) Self Employed, Professionals, and Business people:
c) Persons engaged in Agriculture & Allied Agriculture.

For all groups net annual income should be Rs.60000/- and above. Income Tax returns not required, Proof of income to be certified by MRO.

a) Small homogenous groups consisting of 5-15 members of small, marginal and tenant farmers formed with rural women afresh as PALAMITRA DAIRY VIKAS SCHEME GROUP
b) Existing SHGs with good track record.
c) Group with a minimum thrift of Rs 100 per month per member.
d) In a village where milk collection centre and Veterinary extension service within radius of 5 KM is available.
e) The Group should own 2-5 acres land and willing to raise green fodder on collective basis.

Quality of Animals
Only Graded Buffaloes are to be purchased preferably with one calving.
A Unit of 3 graded murrah buffaloes with cost range of Rs 14400 to Rs 19200 for each animal with milk yield of 6 to 8 Liters per day to be given.

Tie up arrangement: The Group shall enter in to tie up with milk processing Unit.

a) Small artisans
b) Handloom weavers
c) Fishermen
d) Self employed persons
e) Rickshaw owners and other micro entrepreneurs.
(Farm Sector activities like dairy, fishery, sheep rearing etc., can also be covered)

a) Existing customers with a satisfactory track record of three years.
b) Cash profit during last 3 years and net profit in the immediate preceding Year..
c) New borrowers including take-over with minimum existence of three years will also be considered.

Category of borrowers
Retail traders/Whole sale traders, Professional and self-employed, small business enterprises Small scale industries.

Individual farmers /Group farmers

a) For Tractors below 35 H.P., Minimum 6 Acres of perennially irrigated land or 12 Acres of cultivable dry land
b) Above 35 H.P. minimum 8 acres of perennially irrigated land or 15 acres of cultivable dry land.
c) Minimum 1000 hours of productive work in agriculture per year on own farm.
d) Applicants proposing to use the tractor for custom hiring should not be more than 45 years of age and possess a valid driving license.

RD Account holder (with monthly instalment of atleast Rs 400/-) under the scheme after it has run for atleast 12 months. RD Instalments should have been regular.