The scheme is to provide self employment opportunities to technically trained persons and to augment extension services for agriculture.

Who are eligible for this loan?
  • Graduates in agriculture and allied subjects from State Agricultural Universities / Central Agricultural Universities/ Universities recognized by ICAR/ UGC.

  • Degree in Agriculture and allied subjects offered by other agencies are also considered subject to approval of Department of Agriculture & Cooperation, Government of India on recommendation of the State Government.

  • Diploma (with at least 50% marks)/Post Graduate Diploma holders in Agriculture and allied subjects from State Agricultural Universities, State Agriculture and Allied Departments and State Department of Technical Education. Diploma in Agriculture and allied subjects offered by other agencies are also considered subject to approval of Department of Agriculture & Cooperation, Government of India on recommendation of the State Government.

  • Biological Science Graduates with Post Graduation in Agriculture & allied subjects.

  • Degree courses recognized by UGC having more than 60 percent of the course content in Agriculture and allied subjects.

  • Diploma/Post-graduate Diploma courses with more than 60 percent of course content in Agriculture and allied subjects, after B.Sc. with Biological Sciences, from recognized colleges and universities.

  • Agriculture related courses at Intermediate (i.e. plus two) level, with atleast 55% marks.

  • (Subjects allied to agriculture are like horticulture, animal husbandry, forestry, dairy, veterinary, poultry, pisciculture and other activities.)

  • Soil and water quality cum inputs testing laboratories.

  • Post surveillance, diagnostic and control services.

  • Maintenance, repairs and custom-hiring of agricultural implements & machinery of Micro irrigation system.

  • Agri service centers including the above 3 activities (group activities).

  • Seed processing units.

  • Micro propagation through plant tissue culture lab & hardening units.

  • Setting up of vermiculture units, production of Bio-Fertilizers, Bio-Pesticides (Bio control agents)

  • Setting up apiary (bee keeping) & Honey, Bee Products, processing of units.

  • Facilitation and agency of Agri. Insurance Services.

  • Provision of extension, consultancy services.

  • Hatcheries and production of Fish-Fingerlings for Aquaculture.

  • Provision of livestock health cover, setting up veterinary dispensaries & services including frozen, Semen Banks & Liquid Nitrogen supply.

  • Setting up of information technology kiosks in rural areas for access to various agriculture related portals.

  • Feed processing and testing units.

  • Value addition units.

  • Setting up of cool chain from the farm level onwards (group activity).

  • Post harvest management centers for sorting, grading, standardization, storage and Packaging.

  • Setting up of metallic / non-metallic storage structure (Group Act).

  • Retail marketing outlets for processed Agri products.

  • Rural marketing dealership of farm inputs and outputs. Any combination of 2 or more above viable activities along with any other economically viable activities selected by the graduates, which is acceptable to the bank

Loan amount

Individual Activity  Rs.20 lacs. (Rs 25 lacs in the case of extremely successful individual projects)

Group Activity  Rs.100 lacs (maximum). In case of group projects, if the group consists of 5 or more persons, all except one of them would have to be agriculture graduate trained under the scheme and the remaining could be non-agri graduate with experience in business development and management.

Loan amount for loans upto Rs 5.00 lacs 100%

Loans above Rs 5 lacs upto 85 % of the cost


50 % of margin to be contributed by the applicant is provided by NABARD as Soft loan without any interest.


Back ended composite subsidy of 44% of project cost for women, SC/ST and all categories of candidates from NE and Hill states and 36% of project cost for all others. No interest is charged on subsidy portion of the loan as the subsidy is released up front with lock-in period of 3 years.


Upto Rs. 5.00 lacs

Hypothecation of assets created.

Above Rs. 5.00 lacs:

Hypothecation of assets created and Mortgage of land or Third party guarantee.

How to repay the loan

The loan should be repaid in 5-10 years with grace period of maximum 2 years.

How to apply this loan

You may contact our nearest branch for the application and produce your certificates of qualification and experience, if any.