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SHGS/ JLGS in Partnership with corporate BC

Particulars Guidelines under the scheme
  • To provide credit facilities to SHGs in partnership with Corporate BCs for taking up different Agricultural, Agri-allied and other Non Agri income generating activities.


  • SHG/JLG should be in active existence at least for the last 6 months as per their books of account (and not from the date of opening of S/B account with the Branch/ Bank).
  • SHG/JLG should be practicing ‘Panchasutras’ i.e. Regular meetings, Regular savings, Regular inter-loaning, Timely repayment and maintaining up-to-date books of accounts
Quantum of Loan Minimum Rs 100000/-;
Maximum Rs 15,00,000/-
Note: Exposer to individual member should not be more than 1 Lakh
Nature of facility Cash Credit and Term/ Demand Loan and Over Draft (TL/DL, CC & OD)`
Rate of Interest As per RBI/Bank’s guidelines revised from time to time.
  • Nil up to INR 10,00,000/-
  • Above 10 Lacs – preferably 15% or as per the activity/purpose of the loan taken
Repayment Period
  • For Cash credit or Over Draft: 12 months subject to annual review.
  • For Demand/ Term Loans: as per credit plan and term of sanction which may vary from 24 months to 84 months or as per the norms respective scheme/ project for project financing
  • Hypothecation of assets, if any, created out of loan amount.
  • Third Party Guarantee by the Corporate BC

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