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- Kisan Samarth 2
Overdraft Unnati
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For progressive farmers
Meet consumption needs
Overdraft Unnati
Overdraft facility for meeting consumption requirement of individual
Product Features
Age
The borrower must be between 18 - 60 years. (Co-borrower is needed if age > 60 years)
Tenure
Loan tenure: 1 year
Eligibility
- Minimum land holding: 5 acres
- Minimum ITR income: ₹7 lakhs
Loan amount
- Minimum Amount: ₹1,00,001
- Maximum Amount : ₹5 cr
Repayment period
Repayment - Monthly
Other important details
Lending Rates
Loans linked to REPO rate
- Rate of interest will be linked to Prevailing Repo Rate.
- Customer rate/ pricing (ROI) shall be repo rate + spread.
- Repo rate reset frequency- every 25th day of last month of each quarter.
- The bank will publish the Repo Rate periodically on the bank's website.
For loans on base rate/MCLR/fixed rate
- Existing loan on base rate/ MCLR/ fixed rate will continue to be at existing benchmark till renewal.
- For fair practices code followed by the bank, please click here.
- For brief details on all our products, please click here.
Important Links
Understand the rate of interest disbursed on farmer funding by clicking these links. You can also view rural lending- agri business centres here.
