AGRICULTURAL & RURAL CREDIT
Loans & Credit Products
Empowering farmers, rural entrepreneurs, women self-help groups, and citizens with affordable, transparent loan products.
FLAGSHIP AGRICULTURAL SCHEME
కర్షక మిత్ర (Karshaka Mitra Scheme)
Special Long-term Agricultural Term Loan for Land Development & Allied Activities
INTEREST RATE
12.00% p.a.
Tenure: 10 Years
Loan Amount Limit
₹3L to ₹15 Lakhs
కనిష్టముగా 3 లక్షలు - గరిష్టముగా 15 లక్షలు
Scale Per Acre
Wet: ₹3L | Dry: ₹2L
మాగాణి: 3 లక్షలు | మెట్ట: 2 లక్షలు
Share Capital & Fees
Share: 8% | Fee: 0.50%
రుణ మొత్తముపై నామమాత్రపు రుసుము
Repayment Terms
10 Equal Installments
సమాన వార్షిక వాయిదాలలో చెల్లింపు
All Loan Products & Credit Schemes
Flagship Scheme
12.00% p.a.
Karshaka Mitra Scheme (కర్షక మిత్ర)
Special Long-Term Agricultural Development Loan
A flagship agricultural loan product introduced by The SPSR Nellore DCCB to financially empower farmers for agricultural land deve...
Max Limit: Min ₹3,00,000 to Max ₹15,00,000
Tenure: 10 Years in equal installments
Instant Approval
8.75% - 9.50% p.a.
Gold Loan Policy & Scheme
Instant Liquidity Against 22 Karat Gold Ornaments
Fast, hassle-free gold loans at the lowest interest rates in the cooperative sector with secure locker storage and transparent kar...
Max Limit: Up to ₹25,00,000 per borrower
Tenure: 12 Months (Bullet Repayment or Monthly Interest)
Government Subsidized
7.00% p.a. (Effective 4.00% p.a. on prompt repayment)
Kisan Credit Card (KCC) / Crop Loan
Short-Term Credit for Seasonal Crop Cultivation
Subsidized crop loans for paddy, sugarcane, pulses, horticulture and aquaculture farmers through RuPay KCC cards with interest sub...
Max Limit: As per District Level Technical Committee (DLTC) Scale of Finance
Tenure: 12 Months (Renewable annually for 5 years)
Women Special
7.00% p.a. (Zero interest upon prompt repayment through Govt subsidy)
Self Help Group (SHG) / Stree Nidhi Loans
Microfinance for Rural Women Empowerment
Dedicated credit linkages for women Self Help Groups (SHGs) under YSR Sunna Vaddi (Zero Interest) subsidy scheme.
Max Limit: Up to ₹20,00,000 per SHG group
Tenure: 36 to 48 Months in monthly EMI
DISTRICT LEVEL TECHNICAL COMMITTEE (DLTC) SCALE OF FINANCE
Approved Scale of Finance for Crop Loans (KCC) per acre in Nellore District
| S.NO | NAME OF THE CROP | SCALE OF FINANCE PER ACRE (₹) | INTEREST RATE & REPAYMENT |
|---|---|---|---|
| 01 | Paddy (వరి) - Kharif & Rabi | ₹ 42,000 - ₹ 45,000 | 7.00% p.a. (Prompt repayment 4.00% p.a.) |
| 02 | Sugarcane (చెరకు) - Plant & Ratoon | ₹ 75,000 - ₹ 85,000 | 7.00% p.a. (12 to 14 months crop period) |
| 03 | Groundnut (వేరుశనగ) | ₹ 32,000 - ₹ 35,000 | 7.00% p.a. with crop insurance linkage |
| 04 | Chillies (మిరప) - Irrigated | ₹ 90,000 - ₹ 1,05,000 | 7.00% p.a. with PMFBY insurance |
| 05 | Aquaculture (Prawn / Shrimp Culture) | ₹ 2,50,000 - ₹ 3,00,000 | Special commercial cooperative rate 9.50% |