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REVISED CENTRAL SECTOR SCHEME: ESTABLISHMENT OF AGRI-CLINICS AND AGRI-BUSINESS CENTRES (ACABC)

REVISED CENTRAL SECTOR SCHEME: ESTABLISHMENT OF AGRI-CLINICS AND AGRI-BUSINESS CENTRES (ACABC) ZONAL WORKSHOP ON GSS Pune, 18 July 2012 Dr. P Sahoo, AGM, HO, Mumbai. NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT HEAD OFFICE, MUMBAI. OBJECTIVES TO PROVIDE EXTENSION AND

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REVISED CENTRAL SECTOR SCHEME: ESTABLISHMENT OF AGRI-CLINICS AND AGRI-BUSINESS CENTRES (ACABC)

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  1. REVISED CENTRAL SECTOR SCHEME: ESTABLISHMENT OF AGRI-CLINICS AND AGRI-BUSINESS CENTRES (ACABC) ZONAL WORKSHOP ON GSS Pune, 18 July 2012 Dr. P Sahoo, AGM, HO, Mumbai NATIONAL BANK FOR AGRICULTURE & RURAL DEVELOPMENT HEAD OFFICE, MUMBAI

  2. OBJECTIVES • TO PROVIDE EXTENSION AND • OTHER SERVICES TO THE FARMERS • TO SUPPORT AGRICULTURAL DEVELOPMENT • TO CREATE GAINFUL SELF-EMPLOYMENT OPPORTUNITEIS

  3. CONCEPT / DEFINITION • AGRI-CLINICS : • TO PROVIDE EXPERT ADVICE & SERVICES WHICH WOULD ENHANCE PRODUCTIVITY AND ENSURE INCREASED INCOME TO FARMERS • AGRI-BUSINESS CENTRES : COMMERCIAL AGRI-VENTURES FOR INCOME GENERATION & ENTREPRENEURSHIP DEVELOPMENT

  4. ELIGIBLE PERSONS • GRADUATES IN AGRICULTURE & ALLIED SUBJECTS ALLIED SUBJECTS • DIPLOMA HOLDERS (WITH 50% MARKS)/PG DIPLOMA HOLDERS IN AGRI AND ALLIED SUBJECTS FROM SAU, STATE AGRI. & ALLIED DEPTS. AND STATE DEPT OF TECHNICAL EDUCATION. • BIOLOGICAL SCIENCE GRADUATES WITH PG IN AGRI AND ALLIED SUBJECTS. • DEGREE HOLDERS IN COURSES RECOGNISED BY UGC HAVING MORE THAN 60% OF THE CONTENT IN AGRI. & ALLIED SUBJECTS.

  5. ELIGIBLE PERSONS CONTD…. • DIPLOMA/PG DIPLOMA HOLDERS IN COURSES WITH >60% OF COURSE CONTENT IN AGRI & ALLIED SUBJECTS, AFTER B.SC. IN BIOLOGICAL SCIENCES FROM RECOGNISED COLLEGES AND UNIVERSITIES • AGRICULTURE RELATED COURSES AT INTERMEDIATE (+2) LEVEL WITH AT LEAST 55% MARKS • DIPLOMA IN AGRICULTURE & ALLIED SUBJECTS OFFERED BY OTHER AGENCIES ARE ALSO ELIGIBLE SUBJECT TO APPROVAL OF DEPARTMENT OF AGRICULTURE AND COOPERATION, GOI ON THE RECOMMENDATION OF THE STATE GOVERNMENT • CANDIDATES SHOULD BE TRAINED

  6. AREA OF OPERATION • BOTH RURAL AND URBAN AREAS • GEOGRAPHICAL LOCATION : • NO RESTRICTION

  7. FULL FINANCIAL SUPPORT FOR • TRAINING/HAND HOLDING (MANAGE) • CREDIT (BANKS) • CREDIT– LINKED BACK ENDED SUBSIDY THROUGH NABARD

  8. Eligible Financial Institutions • CBs • RRBs • SCBs • SCARDBs • UCBs (Scheduled)

  9. PROJECT COST • INDIVIDUAL CEILING : ` 20 LAKH (` 25 LAKH IN CASE OF EXTREMELY SUCCESSFUL PROJECTS) • GROUP CEILING : ` 100 LAKH (AT LEAST 5 TRAINED PERSONS OUT OF WHICH ONE COULD BE FROM MANAGEMENT BACKGROUND) • GROUP COULD BE 2 OR MORE TRAINED PERSONS • PERSON WITH MANAGEMENT BACKGROUND ONLY TO BE INCLUDED IN GROUP OF 5 OR MORE

  10. PROJECT COST CONTD…. • COMPUTER /PRINTER/BROADBAND CONNECTION (1 MBPS ATLEAST) – AN INTEGRAL PART OF TFO • CREDIT SANCTIONED BY BANK COULD BE HIGHER DEPENDING ON VIABILITY/ FEASIBILITY • AT LEAST 10% OF THE PROJECT COST SHOULD BE IN CAPITAL FORM • INSURANCE COULD BE A PART OF TFO

  11. EXTREMELY SUCCESSFUL PROJECTS • PROJECT COST LIMIT IS EXTENDED BY ` 5 LAKH I.E. ` 20 LAKH + ` 5 LAKH = ` 25 LAKH) • TO BE APPROVED BY EMPOWERED STEERING COMMITTEE USING ABOVE CRITERIA • BASED ON DEFINED CRITERIA AND SCORING FOR THE SAME

  12. TERM LOAN • SHOULD BE COMPOSITE • (FIXED CAPITAL + WC FOR 1 OPERATING CYCLE) • REPAYMENT SCHEDULE IS TO BE DRAWN ON THE TOTAL COMPOSITE LOAN INCLUDING SUBSIDY • REPAYMENT PERIOD : 5-10 YEARS DEPENDING ON ACTIVITY • MAX GRACE PERIOD : 2 YEARS • ROI ON LOAN : RBI GUIDELINES/POLICY OF THE BANK • LOCK-IN PERIOD : 3 YEARS

  13. MARGIN MONEY • AS PER RBI GUIDELINES • NO MARGIN FOR LOAN UPTO ` 5 LAKH • 50% OF THE MARGIN MONEY AS SOFT LOAN FROM NABARD

  14. SECURITY • AS PER RBI GUIDELINES • LOANS UP TO ` 5 LAKH CAN BE SECURED AGAINST HYPOTHECATION OF ASSETS CREATED

  15. CREDIT LINKED COMPOSITE SUBSIDY • 44% FOR WOMEN, SC/ST AND ALL CATEGORIES OF BORROWERS FROM NER, HILLY STATES • 36% FOR ALL OTHERS • RELEASED UPFRONT IN ONE INSTALMENT BY NABARD TO BANKS AFTER SANCTION OF LOAN • ALL CANDIDATES TRAINED UNDER THE SCHEME SHALL BE ELIGIBLE FOR SUBSIDY IF LOAN IS SANCTIONED ON OR AFTER 9.7.2006

  16. CREDIT LINKED COMPOSITE SUBSIDY • BANK TO KEEP SUBSIDY IN ‘SUBSIDY RESERVE FUND ACCOUNT (BORROWER WISE)’ • BANKS NOT TO CHARGE INTEREST ON SUBSIDY PORTION • BALANCE IN THE ‘SUBSIDY RESERVE FUND ACCOUNT’ WILL NOT FORM PART OF DTL

  17. CREDIT LINKED COMPOSITE SUBSIDY • REVISED TFO CEILING APPLICABLE TO CASES SANCTIONED AFTER 4.8.10 • CASES SANCTIONED BUT NOT CLOSED SHALL BE CONVERTED TO COMPOSITE SUBSIDY- DIFFERENTIAL AMOUNT BETWEEN PAYBLE AND PAID ASSISTANCE TO BE RELEASED IN ONE LUMPSUM ON OBTAINING A CLAIM FROM THE BANK

  18. CREDIT LINKED COMPOSITE SUBSIDY • BENEFIT OF SUBSIDY CAN BE EXTENDED TWICE TO A SINGLE BORROWER WITHIN THE OVERALL CEILING • WHEN 2 INDEPENDENT PROJECTS ARE FINANCED TO THE SAME BENEFICIARY (SUBSIDY WOULD BE AS PER ADMISSIBLE TFO CEILINGS BY CONSIDERING THE TFO OF BOTH THE PROJECTS TOGETHER) • EXPANSION OF AN EXISTING PROJECT OF A BORROWER (ONLY ON THE TFO FOR EXPANSION AND THE COST OF THE EXISTING PROJECT IS NOT INCLUDED)

  19. CREDIT LINKED COMPOSITE SUBSIDY • FRESH/EXPANSION PROJECTS SANCTIONED BY BANKS BEFORE 4.8.10: TFO CEILING WILL BE `10 LAKH (INDIVIDUAL) • FRESH/EXPANSION PROJECTS SANCTIONED BY BANKS ON OR AFTER 4.8.10 : TFO CEILING WILL BE ` 20 LAKH (INDIVIDUAL)

  20. PROCEDURE • AGRIPRENEUR TO SUBMIT PROJECT PROPOSAL FOR LOAN AND SUBSIDY TO BANKS • BANKS TO APPRAISE, SANCTION AND DISBURSE THE FIRST INSTALMENT • BANKS TO CLAIM SUBSIDY FROM NABARD WITH A BRIEF PROJECT PROFILE-CUM-CLAIM FORM • ROS ARE EXPECTED TO DISPOSE OFF THE CLAIMS WITHIN A FORTNIGHT FROM THE DATE OF RECEIPT OF THE CLAIMS • BANKS TO SUBMIT UTILIZATION CERTIFICATE

  21. DELIVERY OF EXTENSION SERVICES SHALL BE THE MAIN COMPONENT • RECORD OF ADVISORY SERVICES (PRESCRIBED PROFORMA) IS TO BE MAINTAINED BY THE UNIT • ANY TWO OFFICIAL MAY TAKE UP PERIODIC/SURPRISE VISIT FOR VERIFYING RECORDS OF ADVISORY SERVICES

  22. WHERE MISUTILIZATION OF SUBSIDY HAS BEEN NOTICED BANK SHALL REFUND THE SUBSIDY TO NABARD • A CONSOLIDATED REPORT IS TO BE FINALIZED BY THE BANK BEFORE 3 YEARS LOCK-IN PERIOD FOR FORWARDING TO NABARD/ATMA FOR INFORMATION • TIME LIMIT FOR COMPLETION : 6 MONTHS FROM DATE OF DISB. OF 1ST INSTALMENT (PLUS ADDITIONAL 6 MOTHS FOR JUSTIFYABLE DELAY)

  23. BENEFIT OF SUBSIDY IS NOT AVAILABLE IF THE PROJECT IS NOT COMPLETED WITHIN STIPULATED TIME & SUBSIDY IS TO BE REFUNDED TO NABARD • INSURANCE TO BE TAKEN WHEREVER REQUIRED • DISPLAY OF SIGN BOARD AT THE UNIT • PRE AND POST COMPLETION INSPECTION OF PROJECT BY BANK • SUBSIDY SUBJECT TO AVAILABILITY OF FUNDS FROM GOI

  24. EMPOWERED STEERING COMMITTEE • SECRETARY (A&C) : CHAIRMAN • ADDL. SECY, DAC : MEMBER • AS & FA, DAC : MEMBER • DDG (EXTN.), ICAR : MEMBER • DG, MANAGE : MEMBER • ED, NABARD : MEMBER • JT. SECY (EXTN.) : MEMBER SECRETARY GOI’S INTERPRETATION OF THE SCHEME INSTRUCTIONS WILL BE FINAL

  25. Progress (As on 30.06.2012) • * ADV + FIN + INT. SUB –I + INT. SUB –II

  26. Thank You for your Attention!

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