Credit Services of Member banks
 

 Financing of the long-term credit (5 years and above) for agriculture and its allied activities and also for NFS, Rural Housing, Wastelands development are the main objective of the SCARDBs. Thus, the credit delivery system of SCARDBs may be divided broadly into three sectors viz. Farm Sector, Non-farm Sector and Rural Housing Sector.

 

Farm Sector

Under farm sector the purposes for which the long-term loans are advanced by the SCARDBs are as follows,

  1. Minor Irrigation works i.e.
    • * Digging/renovation of wells
    • * Installation of pump-sets
    • * Construction of irrigation channels
    • * Pipelines
    • * Sprinkler/drip irrigation system
    • * Community wells
    • * Lift irrigation system etc
  2. Farm Mechanisation
    • * Tractor/power tillers with accessories
    • * Combined harvesters
    • * Trolleys
    • * Power threshers etc.
  3. Land Development/Land Reclamation including water conservation
  4. Horticulture development (fruit crops, floriculture, mushrooms, vegetables etc)
  5. Plantation crops (coconut, cashew, arecanut, rubber, coffee, cardamom, tea, bamboo etc.)
  6. Diversified activities (dairy, poultry, piggery, rabbit, fishery, sheep & goat rearing, gobar gas/bio-gas, farm house, sericulture, rural godowns, bullocks and bullock carts/camel carts, APMC, cold storages/storages etc.)
  7. Wastelands development/afforestation, dry land development.
  8. Payment of old debts
  9. Purchase of land

 

Non-Farm Sector
 

  • Rural SMEs including
    • * Rural artisans
    • * Small-scale industries/agro-processing, food processing units.
    • * Small Road Transport Vehicles (upto 16 tonnes pay load capacity)