Financing growth & transforming rural India.

Bank of Baroda, for rural India, with rural India.

Scheme for Financing Farmer Producer Companies / Organizations (FPCs / FPOs)

Particulars Guidelines under the scheme
Features Loan facilities may be considered for any agriculture based activities by the FPC/FPO benefitting their farmer as
  • For agriculture and allied activities viz. dairy, fishery, animal husbandry, poultry, bee keeping etc.
  • Purchase of Input material for supplying to the farmers.
  • Warehouse receipt finance
  • Infrastructure for marketing activities
  • Setting up of Common Service centers/Common Facilities.
  • Setting up of Processing Centre.
  • Common Irrigation Facility.
  • Custom Purchase/Hiring of Farm Equipment.
  • Purchase of High-Tech Farming Equipment.
  • Purchase of produce from members for forward linkage.
  • On lending to members for their various agriculture needs as mentioned above.
  • Other productive agricultural purposes- based on investment plan submitted.
Note: These are indicative list of activities, however applications may be considered for FPOs towards any other activities related to agriculture and allied activities.
Eligibility All registered Farmer Producer Company with at least 3 months of Operations since registration.
Nature of Facility Cash Credit/Term Loan
Quantum of loan Minimum- Rs. 3 lakhs.
Maximum loan limit- Rs. 500 lakhs.
Margin (Term Loan) For farm credit related activities: Minimum 15% .
For others: As per MSME norms.
Period of loan and repayment
  • Cash Credit: For 12 months subject to renewal thereafter.
  • Term Loan: Repayable in 3 to 7 years period including moratorium of 3 to 12 months depending upon the purpose of loan, economic life of asset and cash flow of the activity.
  • Repayment of the Term Loan can be fixed at monthly/quarterly/half yearly/yearly rests.
  • Hypothecation of assets like crop, livestock, equipment, machines etc created out of bank's finance.
  • Mortgage of assets created out of bank’s finance.
  • Mortgage/charge on land.
  • Personal Guarantee of Director(s).
  • Third party guarantee, wherever available.
Rate of Interest
Limit Rate applicable
Limit above Rs. 3 lakhs and less than Rs. 25 lakhs. One-year MCLR + SP + 1.25%

Limit Rs. 25 lakhs and above.
Loan Tenure Rate applicable
For Loan period less than 3 years (Including CC Limit) One year MCLR+SP+2.00%
Above 3 years and up to 5 years. One-year MCLR+SP+2.10%
Above 5 years and up to 7 years. One-vear MCLR+ SP+2.15%

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  • Financing Four Wheeler Loans to Farmer

  • Financing Irrigation

  • Financing of Joint Liability Groups

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  • Two Wheelers (Motorcycle/Scooter) Loan to Farmer

  • Warehouse/Storage Receipts to Food and Agro Unit Enjoying Credit Facility with our Bank

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  • Loan/Overdraft Against Bank’s Own Deposit (Labod/Odbod)

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  • Purchase of Estates/Orchards Growing Traditional Plantation Crops

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