PowerPoint Presentation

BEST CULTURE IS AGRICULTURE.

[Audio] The Kisan Credit Card is a type of card that is specifically designed for our farmers. It is commonly known as the RuPay card. The card provides special benefits and features to our hardworking farmers. It is issued by the government and is accepted at various merchants across the country. The card is a great financial tool for farmers as it allows them to access credit facilities for their agricultural needs, as well as avail insurance and other services. The card comes with a lower interest rate compared to traditional loans, making it more accessible and affordable for our farmers. The card is a great step towards empowering and supporting our agricultural community..

[Audio] The Cent Kisan Credit Card offers several benefits to farmers and other eligible entities. Firstly, there is no margin required for this card, which means that farmers can purchase essential items without worrying about additional costs. Additionally, the CKCC limit is valid for five years, with regular reviews to ensure it remains relevant. Furthermore, the interest rate on this card is capped at 7%, providing a safe haven for farmers who may not have the financial resources to pay higher interest rates. Moreover, the credit facility provides year-wise disbursement, allowing farmers to plan their expenses more effectively. The return on investment (ROI) is also quite attractive, with a maximum of ₹3 lakhs under international subsidies. Furthermore, the interest subsidy (IS) offered by the government is 1.5%. This incentive helps reduce the burden of interest payments for farmers. Another benefit of this card is the prompt repayment incentive (PRI), which rewards farmers for repaying their loans on time. Finally, the collateral-free ₹3 lakh limit ensures that farmers do not need to provide any collateral to obtain this credit facility. Overall, these benefits make the Cent Kisan Credit Card an attractive option for farmers and other eligible entities..

CKCC Allied.

[Audio] The purpose of this meeting is to discuss the importance of animal husbandry, dairy, and fisheries in our country. The main objective is to assess the financial implications of these activities and determine the necessary measures to support them. The meeting aims to provide a platform for discussion and knowledge sharing among stakeholders, including farmers, researchers, and policymakers. The key focus areas include animal health, feed management, and water quality..

SHG-NRLM SCHEME. LOWEST ROI.WITH ATTRACTIVE ROI STARTING FROM (7.00%)* GET INSTANT LOAN APPROVAL.

[Audio] The loan amount for this scheme is Rs. 1,00000. The loan tenure is 120 months. The interest rate is 7.85%. The repayment period has been extended to 120 months, excluding the first 24 months which have a moratorium. This allows farmers to manage their finances more effectively. The loan amount is Rs. 1,00000. The loan tenure is 120 months. The interest rate is 7.85%. The repayment period has been extended to 120 months, excluding the first 24 months which have a moratorium. This allows farmers to manage their finances more effectively. The loan amount is Rs. 1,00000. The loan tenure is 120 months. The interest rate is 7.85%. The repayment period has been extended to 120 months, excluding the first 24 months which have a moratorium. This allows farmers to manage their finances more effectively. The loan amount is Rs. 1,00000. The loan tenure is 120 months. The interest rate is 7.85%. The repayment period has been extended to 120 months, excluding the first 24 months which have a moratorium. This allows farmers to manage their finances more effectively. The loan amount is Rs. 1,00000. The loan tenure is 120 months. The interest rate is 7.85%. The repayment period has been extended to 120 months, excluding the first 24 months which have a moratorium. This allows farmers to manage their finances more effectively. The loan amount is Rs. 1,00000. The loan tenure is 120 months. The interest rate is 7.85%. The repayment period has been extended to 120 months, excluding the first 24 months which have a moratorium. This allows farmers to manage their finances more effectively. The loan amount is Rs. 1,00000. The loan tenure is 120 months. The interest rate is 7.85%. The repayment period has been extended to 120 months, excluding the first 24 months which have a moratorium. This allows farmers to manage their finances more effectively. The loan amount is Rs. 1,00000. The loan tenure is 120 months. The interest rate is 7.85%. The repayment period has been extended to 120 months, excluding the first 24 months which have a moratorium. This allows farmers to manage their finances more effectively. The loan amount is Rs. 1,00000. The loan tenure is 120 months. The interest rate is 7.85%. The repayment period has been extended to 120 months, excluding the first 24 months which have a moratorium. This allows farmers to manage their finances more effectively. The loan amount is Rs. 1,00000. The loan tenure is 120 months. The interest rate is 7.85%. The repayment period has been extended to 120 months, excluding the first 24 months which have a moratorium. This allows farmers to manage their finances more effectively. The loan amount is Rs. 1,00000. The loan tenure is 120 months. The interest rate is 7.85%. The repayment period has been extended to 120 months, excluding the first 24 months which have a moratorium. This allows farmers to manage their finances more effectively. The loan amount is Rs. 1,00000. The loan tenure is 120 months. The interest rate is 7.85%. The repayment period has been extended to 120 months, excluding the first 24 months which have a moratorium. This allows farmers to manage their finances more effectively. The loan amount is Rs. 1,00000. The loan tenure is 120 months. The interest rate is 7.85%. The repayment period has been extended to 120 months, excluding the first 24 months which have a moratorium. This allows farmers to manage their finances more effectively. The loan amount is Rs. 1,00000. The loan tenure is 120 months. The interest rate is 7.85%. The repayment period has been extended to 120.

[Audio] The Cent Kisan Credit Card is designed to support small farmers by providing them with access to credit facilities. The primary objectives of this scheme are to facilitate the construction or upgrading of cold storage and warehouses, as well as working capital for farmers to make advance payments. Additionally, it aims to cover 20 percent of the total limit for operating expenses. The quantum of finance available under this scheme ranges from Rs. 10 lakh to Rs. 50 crore. Farmers can repay the loan through a term loan with a maximum door-to-door tenure of 10 years. The interest rates are relatively low, with a margin of 25 percent for term loans and an overdraft limit of 40 percent for advances paid to farmers. This scheme offers a flexible repayment structure, allowing farmers to manage their finances effectively. By providing access to credit, the Cent Kisan Credit Card helps small farmers to improve their productivity and reduce their financial burdens..

[Audio] The CENT Food Processing Scheme is a government-backed initiative that aims to provide financial assistance to small and medium-sized enterprises (SMEs) in the food processing industry. The scheme offers attractive interest rates, ranging from 7.85% to 9.15%, to encourage businesses to invest in new equipment and technology. By participating in the scheme, SMEs can access various benefits and support, including training programs, market research, and access to funding. These benefits are designed to help SMEs improve their competitiveness and increase their chances of success in the market. The scheme also provides opportunities for businesses to collaborate with other companies and share knowledge and expertise..

PM KUSUM YOJANA. Power Your Farm.

[Audio] The first step in selecting a decentralized Renewable Energy Power Plant is to notify the substation that distributes the power generated by the plant. The substation is responsible for distributing the power to consumers. Notification of the substation is essential as it sets the stage for the entire selection and implementation process. The notification is usually made through a formal letter or email. Next, the expression of interest is submitted by potential developers and contractors who wish to develop and implement the Renewable Energy Power Plant. This expression of interest is used to short-list potential candidates and identify the most suitable developer and contractor for the project. A Power Purchase Agreement (PPA) is then signed between the Renewable Energy Power Plant and the Distribution Company. This agreement outlines the terms and conditions for selling and purchasing renewable energy. The PPA is typically valid for a period of 25 years. Connectivity and clearances are critical components of the selection and implementation process. This includes obtaining the necessary approvals and permits from the concerned authorities. The commissioning of the Renewable Energy Power Plant must take place within 12 months of the issuance of the Letter of Award. In case of any shortfall in the minimum generation, the Renewable Energy Power Plant will compensate the Distribution Company. This is based on the Minimum Capacity Utilization Factor of 15%. The Commercial Operation Date marks the date when the Renewable Energy Power Plant officially begins selling electricity to the Distribution Company. The Distribution Company also receives a procurement-based incentive for purchasing renewable energy, which is 0.40 paise per unit or 6.60 lakh per megawatt for a period of 5 years..

Cent Warehouse Receipt.

[Audio] The Cent Warehouse Receipt is used to secure a loan for farmers. There are two options for determining the loan amount: the prevailing market price/value as per the Wholesale Holding Ratio (WHR) minus a 35% margin, or the Minimum Support Price (MSP), if it is fixed, minus a 20% margin. The lower of the two options will be used for the loan amount. The loan period will be based on the normal shelf life of the commodity, or 12 months from the date of disbursement, or the due date of the WHR, whichever comes earlier. It's also worth noting that the WHR should not be older than one month. This classification falls under Priority Sector Lending and the loan amount is capped at ₹60 lakh for physical receipts and ₹90 lakh for electronic NWRs. For corporate farmers, the maximum loan amount is ₹2.5 crore for physical receipts and ₹4 crore for electronic NWRs. The loan amount is determined by the lower of the two options. The loan period is based on the normal shelf life of the commodity or 12 months from the date of disbursement or the due date of the WHR, whichever comes earlier. The WHR should not be older than one month. This classification falls under Priority Sector Lending and the loan amount is capped at ₹60 lakh for physical receipts and ₹90 lakh for electronic NWRs. Corporate farmers are eligible for loans up to ₹2.5 crore for physical receipts and ₹4 crore for electronic NWRs. The loan amount is determined by the lower of the two options. The loan period is based on the normal shelf life of the commodity or 12 months from the date of disbursement or the due date of the WHR, whichever comes earlier. The WHR should not be older than one month. This classification falls under Priority Sector Lending and the loan amount is capped at ₹60 lakh for physical receipts and ₹90 lakh for electronic NWRs. Corporate farmers are eligible for loans up to ₹2.5 crore for physical receipts and ₹4 crore for electronic NWRs. The loan amount is determined by the lower of the two options. The loan period is based on the normal shelf life of the commodity or 12 months from the date of disbursement or the due date of the WHR, whichever comes earlier. The WHR should not be older than one month. This classification falls under Priority Sector Lending and the loan amount is capped at ₹60 lakh for physical receipts and ₹90 lakh for electronic NWRs. Corporate farmers are eligible for loans up to ₹2.5 crore for physical receipts and ₹4 crore for electronic NWRs. The loan amount is determined by the lower of the two options. The loan period is based on the normal shelf life of the commodity or 12 months from the date of disbursement or the due date of the WHR, whichever comes earlier. The WHR should not be older than one month. This classification falls under Priority Sector Lending and the loan amount is capped at ₹60 lakh for physical receipts and ₹90 lakh for electronic NWRs. Corporate farmers are eligible for loans up to ₹2.5 crore for physical receipts and ₹4 crore for electronic NWRs. The loan amount is determined by the lower of the two options. The loan period is based on the normal shelf life of the commodity or 12 months from the date of disbursement or the due date of the WHR, whichever comes earlier. The WHR should not be older than one month. This classification falls under Priority Sector Lending and the loan amount is capped at ₹60 lakh for physical receipts and ₹90 lakh for electronic NWRs. Corporate farmers are eligible for loans up to ₹2.5 crore for physical receipts and ₹4 crore.

CENT KISAN VAHAN.

[Audio] The Cent Kisan Credit Card offers financial assistance to eligible individuals through various categories such as agriculturists, two-wheelers, four-wheelers, and others engaged in agricultural allied services. The eligibility criteria include age limits ranging from 18 to 65 years. For agriculturists, the quantum of finance ranges from ₹ 2 lakh to ₹ 15 lakh, depending on the type of vehicle or equipment purchased. The interest rates vary across different categories, with a maximum of 10% margin for farmers using two-wheelers or four-wheelers, while others face a higher margin of 15%. The repayment terms also differ, with a maximum period of five years for two-wheelers and seven years for others. Additionally, there are specific incentives and benefits available for prompt repayment and interest subvention. These features make the Cent Kisan Credit Card an attractive option for those seeking financial support for their agricultural needs..

[Audio] The Cent Kisan Vahan scheme offers various financing options for farmers, including two-wheelers and four-wheelers, with returns on investment calculated using the MCLR plus a specified rate. For agri-business and allied activities, such as service centers, the interest rates are similar to those for two-wheelers and four-wheelers. Transport vehicles, including those above ₹ 10 lakh, have different interest rates based on their value. The security offered varies depending on the amount borrowed, ranging from nil to third-party guarantees or NCGTCs. Additionally, there is a provision for second-hand vehicles, which offer a lower margin but can be repaid over a longer period. These financing options allow farmers to purchase essential equipment and services while managing their debt effectively..

a N ns 3 union u x s v BANI. CENT AGRI INFRA SCHEME.

[Audio] The interest rate for loans up to ₹ 2.00 crore is six months MCLR plus one percent. This means that the interest rate will be capped at a maximum of nine percent. For loans above ₹ 2.00 crore, the interest rate is based on internal ratings. The interest subvention offered by the scheme is three percent per annum, but it's only available for loans up to ₹ 2.00 crore. The subvention is also limited to a maximum period of seven years. This subvention is only applicable when the account is classified as standard. The repayment terms for this scheme are a maximum of seven years, including a moratorium period of either six months or two years. There are no charges for processing, inspection, or documentation for loans up to ₹ 2.00 crore. However, for loans above ₹ 2.00 crore, there are charges for these services. The processing charge is zero point six five percent of the loan amount. The inspection charge is ten thousand rupees per inspection. The documentation charge is fifteen thousand rupees..

[Audio] The government has announced its intention to provide interest subventions to eligible entities. The interest subvention scheme will offer a 3% interest reduction for all eligible entities, regardless of the loan amount. This means that small as well as large businesses can benefit from this initiative. The repayment period for this scheme is a maximum of 8 years, including a moratorium period of 2 years. This allows borrowers some breathing room to establish their businesses and generate income before starting to pay back the loan. The Cent Animal Husbandry Infra Scheme is a part of this overall initiative. This scheme aims to support the development of animal husbandry infrastructure in the country. It offers financial assistance for various activities related to animal husbandry, such as setting up of dairy farms, poultry farms, and other related businesses. This scheme is open to all eligible entities and is an excellent opportunity for those in the animal husbandry sector. The repayment period for this scheme is a maximum of 10 years..

[Audio] The Cent Poultry Scheme offers an attractive return on investment starting from 8.35%. This scheme provides a unique opportunity for farmers to earn a substantial income through poultry farming. With this scheme, farmers can expect to receive a guaranteed interest rate of 7% per annum, making it an attractive option for those looking to invest in poultry farming. Additionally, the scheme provides a collateral-free loan of up to ₹3 lakhs, allowing farmers to start their poultry business with minimal financial burden. The interest subsidy provided by the scheme also helps to reduce the overall cost of production, making it easier for farmers to maintain profitability. Overall, the Cent Poultry Scheme is a great way for farmers to diversify their income streams and increase their earnings through poultry farming..

Cent Mushroom Scheme.

[Audio] The quantum of finance available for this training is ₹ 10.00 lakh. The minimum amount is ₹ 5.00 lakh, while the maximum can go up to ₹ 20.00 lakh. This gives us a range to work with and cater to the necessary financial needs. The margin required is 30%. This is a crucial element to consider while availing this farm credit. It ensures a balance between risk and return for both the lender and the borrower. The classification of this credit falls under the category of farm credit. This is another important factor to keep in mind as it comes with its own set of specifications and requirements. The moratorium period is 6 months, while the spawn period is 12 months. This allows enough time for the borrower to get their finances in order before beginning the repayment process. The repayment period is 3 to 7 years, depending on the cash flow. This gives some flexibility and allows for a smoother repayment process. A minimum score of 650 is required to avail this credit. For loans above ₹ 50 lakh, two CICs are needed. This is to ensure the credibility and ability of the borrower to repay the loan. The Cent Mushroom Scheme is the specific scheme we will be focusing on during this training. This scheme has been carefully crafted to cater to the financial needs of the mushroom farming industry..

[Audio] The production of CBG involves several steps: Firstly, organic waste is collected from various sources including farms, households, and industrial sites. This waste material is then transported to a processing facility where it undergoes a series of physical and chemical transformations. At the processing facility, the waste material is subjected to high temperatures and pressures to break down its molecular structure. The resulting mixture of gases is then separated into different components using advanced technologies. One of the primary components of CBG is methane, which is released during the breakdown process. Methane is a potent greenhouse gas, but when captured and compressed, it becomes a clean-burning fuel. CBG can be used as an alternative fuel for transportation, cooking, and heating, offering significant environmental benefits. In addition to methane, other gases such as hydrogen and carbon dioxide are also present in the final product. These gases contribute to the overall efficiency and effectiveness of the CBG system. Furthermore, the use of CBG can help reduce greenhouse gas emissions by up to 90% compared to traditional fossil fuels. Overall, the production of CBG offers a promising solution for meeting our energy needs while minimizing environmental impact..

[Audio] The Cent Compressed Bio Gas (CBG) scheme offers a quantum of finance of no limit, up to ₹100 crore, under the Pradhan Mantri Jan Dhan Yojana. This financial assistance is provided to farmers who have taken a loan from the National Bank for Agriculture and Rural Development (NABARD). The minimum margin required is 25%, indicating that the borrower must provide a certain amount of equity to secure the loan. The interest rate on this loan is capped at ₹100 lakh, which is the MCLR plus 1.35%. For amounts above ₹100 lakh, the interest rate is determined by the credit rating of the borrower. The collateral security required is 50% with backward and forward linkage, or 100% in some cases. The repayment period is 12 years, with a moratorium period of 6-24 months. Additionally, the Central Finance Assistance (CFA) provides a subsidy of Rs.4 crore per 4800 kg of CBG produced daily, up to a maximum of Rs.10 crore per project. The commercial agreement and pricing are valid for 15 years and must not be less than ₹46 per kg, including taxes..