लाल आणि इलायची केळीचं उत्पादन

 लाल आणि इलायची केळीचं उत्पादन

केळी उत्‍पादनात भारताचा जगात दुसरा क्रमांक लागतो. जगात आढळणाऱ्या केळीच्या 300 प्रजातींपैकी सुमारे 30-40 प्रजाती भारतात आढळतात.भारतातील एकूण केळीच्या उत्‍पादनापैकी सुमारे ५० टक्‍के उत्‍पादन महाराष्‍ट्रात होते.केळी हे पौष्टिक फळ असून ते वर्षभर उपलब्ध असते त्यामुळे केळीला गरिबांचे फळ म्हणतात. केळीमध्ये पोटॅशियम भरपूर प्रमाणात असते जे शरिराला लगेच ऊर्जा देते आणि रक्तदाब नियंत्रित ठेवण्याचे काम करते. लाल केळी आणि वेलची केळी या दोन प्रकारात देशातील तामिळनाडू आणि कर्नाटक या राज्यांची मक्तेदारी होती.

 इलायची केळी

इलायची केळीमध्ये अनेक प्रथिने असून याचा फायदा अनेक विकारांवर होत असल्याचे मानतात. हिरवी दिसणारी आणि केवळ 2 ते 3 इंच लांबी आणि आकाराने गोलसर असणाऱ्या वेलची केळीचा स्वाद अगदी पेढ्याप्रमाणे असतो.इलायची केळी नेहमीच्या केळीपेक्षा आकाराने लहान असते आणि सालही बऱ्यापैकी पातळ असते. चव सामान्य केळीपेक्षा गोड असते. महाराष्ट्रात या केळीला इलायची, कर्नाटकमध्ये येलक्कई तर बिहारमध्ये चीनीया म्हणतात.

इलायची केळीचे आरोग्यदायी फायदे

1. केळीमध्ये कर्बोदके, अ जीवनसत्व, लोह आणि सफरचंदापेक्षा तीनपट जास्त फॉस्फरसचे प्रमाण असते. 

2. पोटॅशियम, फायबर आणि नैसर्गीक साखर केळीमध्ये मुबलक प्रमाणात असतात. ज्यामुळे आरोग्य चांगले राहते.

3. ह्रदयाचे ठोके नियमित राहण्यासाठी, कमी रक्तदाब, शरिरातील पाण्याची पातळी संतुलित ठेवण्यासाठी इलायची केळी फायदेशीर आहे.

4. जास्त प्रमाणात पोटॅशिअम आणि कमी प्रमाणात सोडीअम असल्यामुळे इलायची केळी उच्च रक्तदाब, ह्रदयविकार असलेल्या व्यक्तींसाठी फायदेशीर आहे.

5. मजबूत हाडे आणि दातांसाठी कॅल्शियम आणि पोटॅशियम ही दोन महत्वाची खनिजे आवश्यक असतात. इलायची केळीमधून ही दोन्ही खनिजे मुबलक प्रमाणात मिळतात. पोटॅशियमचे प्रमाण जास्त असल्यामुळे रक्त प्रवाह नियंत्रित राहतो. कॅल्शियमचे प्रमाण जास्त असल्यामुळे वयानुसार हाडे, दात कमकुवत होणे तसेच हाडांचा ठिसूळपणा इ. समस्यांवर फायदेशीर आहे.

6. स्टार्च आणि फायबरचे प्रमाण जास्त आहे. सुक्रोज, फ्रुक्टोज आणि ग्लूकोज या नैसर्गिक साखरेमुळे फळाचा गोडवा वाढतो. पेक्टिन आणि विद्राव्य फायबरचे मध्यम प्रमाण असते, जे रक्तातील कोलेस्टेरॉलची पातळी कमी करण्यास मदत करते.

7. इलायची केळीमध्ये फॉलिक अॅसिडचे प्रमाण जास्त असते. फॉलिक ऑसिडचा वापर गर्भधारणेच्या काळात आवश्यक असलेले अतिरिक्त रक्त तयार करण्यासाठी केला जातो. केळीमध्ये भरपूर प्रमाणात लोह देखील असते, जे अशक्तपणा टाळण्यास मदत करते.

इलायची केळीचे आरोग्यासाठी एवढे सगळे फायदे असल्यामुळे तिची लोकप्रियात दिवसेंदिवस वाढत आहे.

लाल केळी 

लाल रंगाची केळी ही आयुर्वेदात अतिशय औषधी आणि गुणकारी म्हणून ओळखली जातात. याचमुळे  या केळींना फार मोठी मागणी आहे.या प्रजातीच्या वनस्पतींची उंची 4 ते 5 मीटर आहे. या जातीची साल लाल व केशरी रंगाची असून फर दाट असते. लाल रंगाच्या केळ्यांची चव गोड असते. प्रत्येक घडामध्ये 80 ते 100 फळे असतात. त्यांचे वजन 13 ते 18 किलो असते. लाल केळीची ही जात महाराष्ट्रातील ठाणे भागात घेतली जाते.

लाल केळ्यांचे वैशिष्ट्य म्हणजे यात पोटॅशियम मोठ्या प्रमाणात तर सोडियम कमी प्रमाणात असल्याने हे ब्लड प्रेशरच्या रुग्णांसाठी अतिशय फायदेशीर मानले जाते.

लाल केळी खाल्ल्याने कॅन्सर, हृदय विकार , मधुमेह, डोळ्यांचे विकार हे आजार दूर ठेवण्यासाठी अतिशय फायदेशीर असल्याचं मानलं जातं.याशिवाय पचनसंस्था अत्यंत परिणामकारक चालण्याचे कामही या लाल केळ्यांमुळे होते.

लाल रंगाची केळी खाण्याचे अनेक फायदे आहेत. हे नियमितपणे खाल्ल्याने शरीर तंदुरुस्त राहतेच शिवाय अनेक आजारांपासून शरीराचे रक्षण होते.

लाल केळ खाण्याचे फायदे

1. रोगप्रतिकारशक्ती वाढण्यास मदत

2. लाल केळी डोळ्यांसाठी फायदेशीर

3. वजन नियंत्रित ठेवण्यास मदत

4. अशक्तपणा कमी करण्यास लाभदायक

5. इन्संट एनर्जी

भौगोलिक मानांकनाचे (Geographical Indication (GI) Tag) शेती विकासातील महत्व ( Use of GI Tag in Agriculture Sector )

 भौगोलिक मानांकनाचे (Geographical Indication (GI) Tag) शेती विकासातील महत्व 

जीआय टॅग म्हणजे नेमकं काय? उत्पादकांना नेमका कसा फायदा होतो

जीआय टॅग हा शब्द भारतीय वस्तु आणि सेवा अंतर्राष्ट्रीय गुणवत्ता निश्चित करण्यासाठी वापरला जाणारा एक चिन्ह आहे. याचा पूर्ण रूप "भारतीय उत्पादनांचे संरक्षण आणि संवर्धन अधिनियम 1999" अंतर्गत देशाच्या विविध क्षेत्रांमध्ये असणारे उत्पादन आणि सेवा यांच्याकडून निवडण्यात आलेले आहेत. यामध्ये फल, सजीव जंतु, काही शहरे आणि खाद्य उत्पादनांचा विविध श्रृंखला असते. जीएआई टॅग द्वारे उत्पादनांची मान्यता निश्चित केली जाते आणि वेळीच्या वेळी आपण विश्वास ठेवू शकतो की त्यांच्या उत्पादनांची गुणवत्ता उत्कृष्ट आहे आणि ते आधुनिक विकासाच्या दृष्टीने योग्य आहेत.

भौगोलिक मानांकन म्हणजे काय?

एखादे उत्पादन विशिष्ट भागातच घेतले जात आसेल आणि त्या उत्पादनाला काही विशिष्ट ओळख असेल तर त्याला भौगोलिक मानांकन दिले जाते. कोणत्याही उत्पादनाला भौगोलिक मानांकन मिळाल्यास त्या उत्पादनाचे उगमस्थान निश्चित होते. नफा तसेच गुणवत्ता कायम ठेवण्यासाठी त्याचा फायदा उत्पादकांना होतो. भौगोलिक मानांकन हे उत्पादन आणि प्रदेशाशी निगडित आहे. कारण वेगवेगळ्या भौगौलिक परिस्थितीमुळे वेगवेगळ्या ठिकाणी उत्पादित केले जाणारे एकच उत्पादन वेगवेगळ्या गुणवत्तेचे असू शकते. त्यामुळे गुणवत्तेची ओळख कायम ठेवण्यासाठी भौगोलिक मानांकन महत्त्वाचे ठरते.

GI-Tag ची वैशिष्ट्ये

 GI-Tag हे  वस्तूच्या गुणवत्तेची आणि विशिष्टतेची हमी देते, जे त्याच्या मूळ स्थानास मूलत: मानले जाते.

सुरक्षितता

एकदा जीआय संरक्षणाची परवानगी मिळाल्यास, कोणताही अन्य उत्पादक या समान उत्पादनांच्या वस्तू बाजारात आणून या नावाचा दुरुपयोग करू शकत नाही. हे ग्राहकांना त्या उत्पादनाच्या सत्यतेबद्दल हमी देते.

आंतरराष्ट्रीय पातळीवरील सुरक्षितता

GI-Tag हा बौद्धिक मालमत्ता अधिकार (आयपीआर) चे घटक म्हणून पॅरिस करारअंतर्गत संरक्षित आहे. आंतरराष्ट्रीय स्तरावर, जीआय हा डब्ल्यूटीओच्या बौद्धिक संपत्ती अधिकारांच्या व्यापार-संबंधित पैलूंवरील कराराद्वारे (ट्रिप्स) अंतर्गत शासित आहे. भारतात भौगोलिक इंडिकेक्स ऑफ गुड्स (नोंदणी आणि संरक्षण कायदा), १९९९. हे यावर नियंत्रण ठेवते.

भौगोलिक संकेतांचे काय फायदे आहेत?

1. GI-Tag केलेल्या उत्पादनांच्या डुप्लिकेशनला प्रतिबंधित करते.  जेणेकरून ते दुसर्‍या मार्गाने भारतातील भौगोलिक निर्देशांना कायदेशीर संरक्षण प्रदान करते.

 2. GI-Tag चांगल्या प्रतीच्या उत्पादनांना देण्यात आला आहे जेणेकरून यामुळे ग्राहकांचे समाधान आणि आकर्षण वाढेल.

3. GI-Tag  उत्पादनांची चांगली गुणवत्ता उत्पादकांसाठी आंतरराष्ट्रीय बाजारपेठेत स्थान मिळते. GI-Tag प्रदेशातील उत्पादकांचा आणि रोजगाराचा महसूल वाढतो.

4. जीएआई टॅग हा उत्पादनांची मान्यता निश्चित करण्यासाठी वापरलेला एक महत्त्वपूर्ण चिन्ह आहे. याचा फायदा खासगी उत्पादक आणि संचालकांसाठी असतो, त्याचे खाद्य उत्पादन अन्य उत्पादनांपेक्षा उत्कृष्ट आणि महत्त्वाचे दाखवण्यासाठी जरूरी असते.

5. तसेच उत्पादकांना आपल्या उत्पादनांचा अधिक बाजार निर्धारित करण्यासाठी हा टॅग उपयुक्त असतो. असे करून उत्पादक आणि संचालक उत्पादनांची कमतरता कमी करू शकतात आणि अधिक कमाई करू शकतात.

6. जीएआई टॅग वापरकर्त्यांना उत्पादनांच्या मान्यतेवर विश्वास ठेवण्यास मदत करते आणि त्यांच्या उत्पादनांची गुणवत्ता उत्कृष्ट असल्याची खात्री देते. यामुळे, उत्पादनांची गुणवत्ता सुरक्षित ठेवण्याची आणि उत्पादनांच्या स्थानिक उत्पादकांना शीघ्र विकास करण्याची मदत ही जीएआई टॅग नेहमीच देते.

भौगोलिक मानांकनामुळे उत्पादकास कोणते अधिकार प्राप्त होतात

भौगोलिक मानांकनामुळे उत्पादकाला अनेक अधिकार प्राप्त होतात. भौगोलिक मानांकनामुळे भेसळयुक्त उत्पादनाची निर्मिती तसेच विक्री करण्याास आळा बसू शकतो. उदाहरणादाखल दार्जिलिंग चहाचे उत्पादक अन्य ठिकाणी उत्पादित केलेल्या चहाला ‘दार्जिलिंग’ या शब्दाचा वापर करण्यास मज्जाव करू शकतात. दार्जिलंग येथे निर्माण होणाऱ्या चहाची गुणवत्ता अन्य ठिकाणी उत्पादित केल्या जाणाऱ्या चहाच्या गुणवत्तेपेक्षा वेगळी असते. याच कारणामुळे भौगोलिक मानांकनाच्या नियमांनुसार दार्जिलिंग चहाचे उत्पादक अन्य चहा उत्पादकांना दार्जिलिंग हा शब्द वापरण्यास मनाई करू शकतात.

भारतामध्ये कोणत्या राज्यात किती भौगोलिक मानांकन आहेत

भौगोलिक मानांकनाचा उपयोग हा त्या उत्पादनाच्या संरक्षणासाठी होतो. शेती, अन्न, वाईन, स्पिरिट्स, हस्तकला, औद्योगिक उत्पादने या क्षेत्रांत उत्पादित होणाऱ्या उत्पादनांना भौगोलिक मानांकने दिली जातात. भारतामध्ये सध्या एकूण ४३२ उत्पादनांना भौगोलिक मानांकने आहेत. यामध्ये कर्नाटक, तामिळनाडू, उत्तर प्रदेश, केरळ या राज्यांना सर्वाधिक भौगोलिक मानांकने मिळालेली आहेत. भौगोलिक मानांकने मिळालेल्यांपैकी ४०१ मूळचे भारतीय तर ३१ उत्पादने परदेशातील आहेत. कर्नाटक, तामिळनाडू यांच्याकडे सर्वाधिक भौगोलिक मानांकने आहेत. तर उत्तर प्रदेशकडे ३५, महाराष्ट्र ३१ आणि केरळ राज्याकडे ३५ भौगोलिक मानांकने आहेत.

भारतातील प्रसिद्ध भौगोलिक मानांकन प्राप्त उत्पादने

दरम्यान, भारत सरकारने आगामी तीन वर्षांमध्ये भौगोलिक मानांकनाचे महत्त्व लोकांना समजावे यासाठी जनजागृती करण्याचे ठरवले आहे. त्यासाठी सरकारने ७५ कोटी रुपयांचा निधी मंजूर केला आहे. भारतात भौगोलिक मानांकन मिळालेली अनेक प्रसिद्ध उत्पादने आहेत. यामध्ये बासमती तांतूळ, दार्जिलिंग चहा, चंदेरी फॅब्रिक, मैसुर सिल्क, कुल्ली शॉल, कांग्रा चहा, तंजावूर पेटिंग्ज, अलाहाबाद सुर्खा, फारुखाबाद प्रिंट्स आदी उत्पादनांचा यामध्ये समावेश आहे.

भौगोलिक संकेतांची नोंदणी केवळ १० वर्षांच्या कालावधीसाठी वैध आहे, परंतु त्यास प्रत्येक १० वर्षांच्या पुढील कालावधीसाठी नूतनीकरण केले जाऊ शकते. दरम्यान भौगोलिक संकेत म्हणजे एखाद्या विशिष्ट क्षेत्राची किंवा राज्याची सार्वजनिक मालमत्ता ठरत असते.

राज्यातील कोणकोणत्या वस्तूंना मिळालंय  GI-Tag

1.नाशिक- द्राक्ष आणि वाइन

२. सांगली-  बेदाणे

३. वेंगुर्ला – काजू

४. रत्नागिरी – हापूस, कोकम

5. कोल्हापूर –  गूळ

६. पुणे – आंबेमोहोर आणि तांदूळ

७.सोलापूर – चादर आणि टेरी टॉवेल

८. पैठण – पैठणी साडी आणि धागे

९. महाबळेश्वर – स्ट्रॉबेरी

१०. पालघर – वारली पैंटिंग

११. नागपूर –  संत्रे

१२. जालना – गोड संत्रा

 13.वैगाव –  हळद

१४ – भिवापूर –  मिरची

१५. बीड – सिताफळ

१६. नवापूर  –  तूरडाळ

१७. वेंगुर्ला  – काजू

१८. सोलापूरचे-  डाळिंब

१९. लासलगाव – कांदा

२०. जळगाव –  केळी

२१. मराठवाडा – केसरी आंबा

22.डहाणू – घोळवड चिकू

२३. पुरंदर – अंजीर

२४. जळगाव – वांग्याचा भरीत

Blockchain Technology – A Game-Changer for Agriculture Sector

 

Blockchain Technology – A Game-Changer for Agriculture Sector

What is blockchain:

Blockchain is a digital ledger technology that allows data to be stored securely and transparently on a distributed network of computers. The data is organized into blocks, which are linked together in a chronological chain using cryptographic techniques, creating a secure and tamper-proof record of transactions.

Each block contains a digital signature that verifies its authenticity and links it to the previous block, creating an unbroken chain of information. Once a block has been added to the blockchain, it cannot be altered, ensuring the integrity and immutability of the data stored on the blockchain.

The decentralized nature of the blockchain means that it is not controlled by any single entity or organization, and every participant in the network has a copy of the ledger. This provides transparency and accountability, as every participant can see and verify the transactions that have taken place on the blockchain.

Overall, blockchain technology has the potential to transform many industries by providing a secure, transparent, and efficient platform for transactions and interactions.

 Blockchain Technology used in Agriculture Sector

Blockchain technology can be used in the agriculture sector in a variety of ways. Here are some examples:

Traceability and supply chain management: Blockchain can be used to track agricultural products from farm to table, providing transparency and accountability in the supply chain. This can help improve food safety, reduce fraud, and ensure fair prices for farmers.

Smart contracts and payment systems: Blockchain-based smart contracts can automate payments and ensure that farmers receive fair compensation for their products. This can reduce transaction costs and help eliminate intermediaries in the supply chain.

Certification and labeling: Blockchain can be used to certify organic, fair trade, or other labels for agricultural products, ensuring that consumers have access to accurate information about the products they are buying.

Land rights and ownership: Blockchain can be used to record land ownership and ensure that farmers have secure property rights. This can help prevent land disputes and promote sustainable land use practices.

Overall, blockchain technology has the potential to revolutionize the agriculture sector by improving transparency, efficiency, and trust in the supply chain.

How it can work

Here's an example of how blockchain technology can work in the agriculture sector:

Let's say a farmer produces a batch of organic apples and wants to sell them to a grocery store. The farmer can use a blockchain platform to record information about the apples, such as their origin, harvest date, and production practices. This information can be stored in a tamper-proof, decentralized ledger that is accessible to all parties in the supply chain.

As the apples move through the supply chain, each participant can add their own information to the blockchain. For example, a distributor can record when they received the apples and how they were transported. A grocery store can record when they received the apples, how they were stored, and when they were sold.

Using blockchain technology, all parties in the supply chain can track the apples' journey from farm to table, ensuring transparency and accountability. If there is a food safety issue or a quality problem, the source of the problem can be quickly identified and addressed.

In addition, blockchain-based smart contracts can automate payments between the farmer, distributor, and grocery store, ensuring that everyone is fairly compensated and reducing the risk of disputes.

Overall, blockchain technology can provide a secure, transparent, and efficient platform for tracking agricultural products and ensuring fair and sustainable practices in the supply chain.

Benefits of blockchain technology

Blockchain technology offers several benefits, including:

Decentralization: The decentralized nature of blockchain technology means that it is not controlled by any single entity or organization, which can help prevent fraud and corruption.

Transparency: Blockchain technology provides a transparent and tamper-proof record of transactions, making it easier to trace the flow of information or assets.

Security: The use of cryptographic techniques and distributed consensus mechanisms in blockchain technology can help protect against cyber attacks and ensure the integrity of the data stored on the blockchain.

Efficiency: Blockchain technology can automate processes and reduce the need for intermediaries, leading to faster and more efficient transactions.

Trust: Blockchain technology can increase trust between parties by providing a secure and transparent platform for transactions and interactions.

Lower costs: By reducing the need for intermediaries and automating processes, blockchain technology can help lower transaction costs.

Immutable record-keeping: Once a record has been added to the blockchain, it cannot be altered, providing an immutable and auditable record of all transactions.

Overall, blockchain technology has the potential to transform many industries by providing a secure, transparent, and efficient platform for transactions and interactions..

Technology used in India

Yes, blockchain technology is being used in India in various sectors, including finance, supply chain management, and government services. Some examples of its use in India are:

Finance: In 2020, the Reserve Bank of India (RBI) announced that it is exploring the use of blockchain technology for its digital currency initiative. Additionally, several Indian banks have implemented blockchain-based solutions for secure and efficient transactions.

Supply chain management: Indian companies such as Walmart and Mahindra Group are using blockchain technology to track and verify the origin of their products, improving transparency and traceability in the supply chain.

Government services: The Indian government is exploring the use of blockchain technology in various areas such as land registry, health records, and digital identity management.

Agriculture: In the agriculture sector, several Indian startups are using blockchain technology to improve traceability and transparency in the supply chain. For example, Agri10x is a blockchain-based platform that connects farmers directly with buyers, eliminating intermediaries and ensuring fair prices for farmers.

Overall, the use of blockchain technology in India is still in its early stages, but there are several promising applications of the technology in various sectors.

Technology is used in Agriculture sector in India

Yes, blockchain technology is being used in the agriculture sector in India. Several Indian startups and companies are using blockchain-based solutions to improve transparency, traceability, and efficiency in the agricultural supply chain. Here are a few examples:

Agri10x: Agri10x is a blockchain-based platform that connects farmers directly with buyers, eliminating intermediaries and ensuring fair prices for farmers. The platform provides real-time market data, price discovery, and logistics support to farmers.

VeChain: VeChain, a global blockchain technology company, has partnered with Indian agri-food company, IN2IT, to develop a blockchain-based solution for tracking the origin of agricultural products. The solution uses RFID technology to track the movement of products from farm to table, providing transparency and traceability in the supply chain.

CropData: CropData is a blockchain-based platform that provides farmers with real-time information on weather, soil quality, and crop prices. The platform uses blockchain technology to create a decentralized database of agricultural information, which can be accessed by farmers, agronomists, and other stakeholders in the sector.

Overall, the use of blockchain technology in the agriculture sector in India is still in its early stages, but there are several promising applications of the technology to improve efficiency, transparency, and traceability in the supply chain.

Application of this Technology

 Blockchain technology has a wide range of applications across various industries. Here are some of the applications of blockchain technology:

1.Financial Services: Blockchain technology is being used in the financial services industry for secure and efficient transactions, such as cross-border payments, trade finance, and asset management.

2.Supply Chain Management: Blockchain technology is being used to improve transparency, traceability, and efficiency in supply chain management, allowing businesses to track and verify the origin and movement of products.

3.Healthcare: Blockchain technology is being used in the healthcare industry for secure and transparent storage of patient data, streamlining of medical supply chain, and secure sharing of patient data between healthcare providers.

4.Identity Management: Blockchain technology can be used for secure and decentralized identity management, allowing individuals to maintain control over their personal data and share it with authorized parties.

5.Energy: Blockchain technology can be used to create decentralized energy systems that allow individuals to produce, trade, and consume energy in a peer-to-peer network.

6.Real Estate: Blockchain technology can be used to create secure and transparent property ownership records and streamline the process of buying and selling real estate.

7.Voting: Blockchain technology can be used for secure and transparent voting systems that prevent voter fraud and ensure accurate vote counting.

Overall, blockchain technology has the potential to transform many industries by providing a secure, transparent, and efficient platform for transactions and interactions.

Electric Tractor: The Future of Farming Technology

 

Electric Tractor: The Future of  Farming Technology

First electric tractor in India

The first electric tractor in India was developed by the Central Mechanical Engineering Research Institute (CMERI), a constituent laboratory of the Council of Scientific and Industrial Research (CSIR). The electric tractor was launched in February 2021 and is called the "Kisan Rail Electric Tractor" (KRET). It has a power output of 12.5 kW and a battery capacity of 7.5 kWh, which can provide a running time of up to 4 hours. The KRET is designed to provide a cost-effective and eco-friendly alternative to diesel tractors, and can be charged using solar power.

Electric tractor for farmers

Electric tractors are an emerging technology that has the potential to revolutionize farming practices by providing a cleaner and more sustainable alternative to diesel tractors. Electric tractors offer several advantages over diesel tractors, such as lower operating costs, reduced emissions, and quieter operation.

Electric tractors are particularly suitable for small to medium-sized farms, where the distance between fields is relatively short and where there is a reliable source of electricity for charging the batteries. However, larger farms may also benefit from electric tractors, especially if they are equipped with fast-charging capabilities.

Several companies are now offering electric tractors for farmers, including Mahindra Electric, which has launched the e-Mahindra 575 DI electric tractor in India, and John Deere, which has developed the SESAM (Sustainable Energy Supply for Agricultural Machinery) electric tractor in Europe.

While the upfront cost of electric tractors may be higher than that of diesel tractors, the long-term savings on fuel costs and maintenance can make them a more cost-effective option in the long run. Additionally, electric tractors can help farmers reduce their carbon footprint and contribute to a more sustainable and environmentally friendly farming sector.

Difference between traditional tractor and electric tractor

There are several key differences between traditional tractors that run on diesel fuel and electric tractors:

Power source: The main difference between traditional and electric tractors is their power source. Traditional tractors are powered by internal combustion engines that run on diesel fuel, while electric tractors are powered by electric motors that run on electricity stored in batteries.

Emissions: Traditional tractors emit harmful pollutants such as nitrogen oxides (NOx), particulate matter (PM), and carbon dioxide (CO2). In contrast, electric tractors produce no tailpipe emissions, which makes them much cleaner and better for the environment.

Noise: Traditional tractors are loud and can create a lot of noise pollution, while electric tractors are much quieter and produce less noise.

Maintenance: Traditional tractors require regular maintenance, including oil changes, filter replacements, and other routine maintenance tasks. Electric tractors, on the other hand, require less maintenance and have fewer moving parts, which can reduce the overall cost of ownership.

Fuel costs: Traditional tractors are powered by diesel fuel, which can be expensive and subject to price fluctuations. Electric tractors, on the other hand, can be charged using electricity, which is typically cheaper and more stable in price.

Overall, electric tractors offer several advantages over traditional tractors, including lower emissions, reduced noise pollution, and lower operating costs. While they may have a higher upfront cost, the long-term savings on fuel and maintenance can make them a more cost-effective option in the long run.

Types of electric tractors

There are various types of electric tractors available in the market, including:

1.Battery Electric Tractors: These tractors are powered by rechargeable batteries and are commonly used for indoor and short-distance applications.

2.Hybrid Electric Tractors: These tractors use a combination of an internal combustion engine and an electric motor to provide power. They are suitable for longer distances and outdoor applications.

3.Fuel Cell Electric Tractors: These tractors use hydrogen fuel cells to generate electricity and power the motor. They are eco-friendly and provide longer runtimes.

4.Plug-In Electric Tractors: These tractors can be charged using an external power source and are commonly used for medium to heavy-duty applications.

5.Plug-In Electric Tractors: These tractors can be charged using an external power source and are commonly used for medium to heavy-duty applications.

6.Solar-Powered Electric Tractors: These tractors use solar panels to generate electricity and are suitable for outdoor applications where sunlight is available.

The choice of electric tractor will depend on various factors, such as the application, distance, terrain, and budget.

Price of electric tractors

The price of electric tractors varies depending on several factors such as the size, type, brand, features, and technology used in the tractor. Generally, electric tractors can be more expensive than their conventional counterparts due to the high cost of batteries and electric motors.

List of Indian electric tractor manufacturing companies

Here are some Indian companies that manufacture electric tractors:

1. Mobility Limited

2.TAFE (Tractors and Farm Equipment Limited)

3.Sonalika Tractors

4.Jaya Hind Industries

5.Eicher Motors Limited

6.Greaves Cotton Limited

7.Gayam Motor Works

8.Ajak India

9.Kalyani Group

10.MAM Tractors

These companies offer a range of electric tractors with different specifications and features for different applications.

Electric tractor Advantages and Disadvantage

Advantages of Electric Tractors:

1.Environmental Benefits: Electric tractors produce zero emissions and contribute to reducing greenhouse gases, air pollution, and noise pollution.

2.Lower Operating Costs: Electric tractors have lower operating costs than diesel tractors, as they require less maintenance and have lower fuel costs.

3.Better Efficiency: Electric tractors have a higher efficiency than diesel tractors, as they convert more of the stored energy into usable work.

4.Reduced Dependence on Fossil Fuels: Electric tractors can reduce the dependence on fossil fuels, which are finite and increasingly expensive.

5.Easy to Operate: Electric tractors are easy to operate, with simple controls and lower noise levels.

Disadvantages of Electric Tractors:

1.Limited Range: Electric tractors have a limited range due to the limited battery capacity, which may not be suitable for long-distance operations.

2.Higher Upfront Costs: Electric tractors can be more expensive than diesel tractors due to the high cost of batteries and electric motors.

3.Longer Charging Times: Charging electric tractors can take longer than refueling diesel tractors, which may cause downtime and affect productivity.

4.Limited Charging Infrastructure: The availability of charging infrastructure is limited in many areas, which may make it difficult to operate electric tractors in remote locations.

5.Heavy Battery Weight: Electric tractors can be heavier than diesel tractors due to the weight of the batteries, which may affect performance and stability.

 Scheme to purchase Electric Tractor to Farmer

Yes, the Government of India has launched a scheme to promote the use of electric tractors by farmers. The scheme is called the 'Krishi Udaan Scheme' and is aimed at promoting the use of electric tractors in agriculture and horticulture activities.

Under this scheme, farmers can avail of a subsidy of up to 40% of the cost of the electric tractor. The subsidy is provided by the Ministry of Agriculture and Farmers Welfare, and the scheme is implemented by the National Bank for Agriculture and Rural Development (NABARD).

To avail of the subsidy, farmers need to apply through their local NABARD branch or through the Krishi Vigyan Kendra (KVK). The scheme is open to all farmers who are involved in agriculture or horticulture activities, and the subsidy is provided on a first-come, first-serve basis.

The scheme aims to promote the use of eco-friendly and cost-effective electric tractors, which can help reduce pollution and improve farm productivity.

State Bank Of India : All Farmer Schemes

State Bank Of India : All Farmer Schemes

 Kisan Credit Card (KCC)

Objectives:  

To provide timely and adequate credit to farmers to meet their production credit needs (Cultivation expenses) besides meeting contingency expenses and expenses related to ancillary activities through simplified procedure facilitating the borrowers for availing loans as and when they need.

Features:

Type of Facility: Revolving cash credit account. Credit balance in the account, if any, will fetch interest at Savings bank rate.

Quantum of Loan: Need Based finance considering cropping pattern, acreage and Scale of Finance (SOF) determined by DLTC (District Level Technical Committee).

Margin: Nil

Moratorium: NA

Repayment: The repayment period as per the crop period (Short/ Long) and marketing period for the crop.

Security:

Primary: Hypothecation of Crops grown / assets to be created out of Bank finance.

Collateral: Equitable mortgage / registered mortgage of land / immovable property as applicable of the value of 100 % loan. However, collateral is waived for KCC limit up to Rs. 1.60 lakh and up to Rs.3.00 lakhs, in case of tie up arrangement.

Interest Subvention: 3% p.a. interest subvention as Prompt Repayment Incentive (PRI) up to Rs. 3.00 lakhs.

Other:

Tenure: 5 years, with 10% annual increase of limit every year, subject to annual review.

Rupay debit cards for all eligible KCC borrowers.

Insurance:

a. Eligible crops may be covered under PRADHAN MANTRI FASAL BIMA YOJNA (PMFBY) on premium payment.

b.Borrower should also opt for Personal Accident Insurance, Health Insurance (wherever applicable).

Kisan Samriddhi Rin

Purpose: To provide adequate (total requirement for end-to-end farming) and timely cash credit facility to Corporate farmers, Companies of farmers, Agri. firms and Large farmers or other farmers using Scientific and Progressive methods of farming.

Features:

Type of Facility: Agriculture cash credit

Quantum of Loan

Minimum Loan: ₹ 5.00 lakhs

Maximum Loan: ₹ 50.00 Crores.

The quantum of loan will be based on realistic cost of end-to-end farming for any crop.

Repayment: The repayment period will be fixed as per the anticipated harvesting and marketing period for the Crops for which the loan has been granted.

Security:

Primary: Hypothecation of crops grown/assets to be created out of bank finance.

Collateral: Collateral Security by way of mortgage (Equitable Mortgage/Registered Mortgage) of immovable property/Agriculture land to be obtained for aggregate loan limit.

Further, collateral Security, in the form of SARFAESI compliant immovable property (Land & Building) and/or Liquid securities like NSC (Face value) or Term Deposit (Face value) of Bank or any other acceptable liquid security, together will be taken for the value at least 25% of the value of limit.

Multi Purpose Gold Loan

 Purpose

To meet the short-term production / investment credit needs of

The farmers, engaged in agriculture, cultivating own and /or leased land or engaged in cultivation of crops

Farmers in allied activities like Dairy, Poultry, Fisheries, Piggery, Sheep, etc.

entrepreneurs and famers who needs investment credit for acquiring farm machinery, undertaking land development, irrigation, horticulture, transportation of Agri produce, etc.

All other farming activities which are permitted to be classified under agriculture as per RBI/GoI/NABARD guidelines.

Eligibility

All farmers: Individuals who are owner cultivators, Agri entrepreneurs.

Tenant farmers, Oral lessees & Sharecroppers

Any person engaged in any agriculture or allied activities and wants to repay loans availed from non-institutional lenders as well as persons engaged in activities permitted by RBI to be classified under agriculture. a self- declaration has to be obtained from the applicant that he/she is engaged in Agri and allied activities and that the loan availed against the pledge of Gold ornaments is for repayment of higher interest rate loans availed from non –institutional lenders.

Tractor Loan

Purpose

 To meet the cost of Purchase of Tractor and Accessories (Including Insurance+ Registration Charges)

Features

Type of Facility: Agriculture Term Loan

Quantum of Loan: Min-Rs.200000/- Max-Rs.2500000/-

Margin: 25% of cost of Tractor including accessories and implements (Including Insurance and Registration Charges)

Moratorium: No Moratorium

Repayment: Principle Equated Distribution with Interest in 10 half yearly Instalments.

Security: 

Primary: Hypothecation of Tractor and accessories.

Collateral: Mortgage of land /Gold Ornaments/Any Other approved liquid security or Third-Party Guarantee.e.

Interest Subvention: Not Applicable

Other: NA

Financing of Combine Harvester

Purpose

To meet the cost of Purchase of Combine Harvester and Accessories .

Features

Type of Facility: Agriculture Term Loan

Quantum of Loan: Min-Rs.500000/- Max-Rs.3500000/-

Margin:  20% of cost of Combine Harvester including accessories and implements (Excluding Insurance and Registration Charges)

Moratorium: 6 Month within overall loan tenure

Repayment: Repayable in maximum 6 years with half-yearly Principal Equated Instalments with Interest.

Security:

1. Up to 10.00 Lakh Primary: Hypothecation of Combine Harvester accessories and implements purchased out of Bank finance. Collateral: Nil.

2. Loans above Rs. 10.00 lakh: Primary: Hypothecation of Combine Harvester and accessories. Collateral: Mortgage of land /Gold Ornaments/Any Other approved liquid security or Third-Party Guarantee.

Composite Minor Irrigation

The activities financed under Minor Irrigation are as under:

Direct Finance: :

Financing for Pump sets / Oil Engines / Pipeline.

Financing for Dug well/ Repairs to wells /Bore wells / Tube wells

Financing for Ponds/ Water storage tanks.

Financing for Micro Irrigation i.e. Sprinkler / Drip irrigation

Financing for Automized / Computerized Irrigation Systems.

Financing for Individual / Cooperative Lift Irrigation Schemes.

Financing for Rainwater Harvesting Scheme.

Financing for purchase of generator sets for irrigation purposes.

Features :

Type  of  Facility: Agriculture Term Loan

Quantum of Loan: Min-Rs.10,000/- Max-Rs.49,00,000/-

Margin: 15% to 25% of the Project Cost

Moratorium: 12 Month.

Repayment: 12 Year (Exclusive of Moratorium Period) 

Security:

Up to Rs.1.60 Lakh: -

Primary: Hypothecation of Moveable asset Created.

Collateral: Nil.

Loans above Rs.1.60 lakh:-

Primary: Hypothecation of Movable Asset Created.

Collateral: Mortgage of land /Charge on Land;

Interest Subvention: Not Applicable

Financing Power Tiller :

Purpose of Loan

To meet the cost of Purchase of New Power Tiller and Accessories.

Features

Type of Facility: Agriculture Term Loan.

Quantum of Loan: Min-Rs.5000/- Max-Rs.500000/-.

Margin: 20% of cost of Combine Harvester including accessories and implements (Including Insurance and Registration Charges).

Moratorium: 6 Month within overall loan tenure.

Repayment: Repayable in maximum 5 years in half-yearly Principal Equated Instalments with Interest.

Security:

Up to Rs.1.60 Lakh Primary: Hypothecation of Power Tiller accessories and implements purchased out of Bank finance. Collateral: Nil.

Loans above Rs.1.60 lakh: Primary: Hypothecation of Power Tiller and accessories. Collateral: Mortgage of land /Gold Ornaments/Any Other approved liquid security or Third-Party Guarantee.

Interest Subvention: Not Applicable.

Other: NA

KCC for Allied Activities

KCC FOR ANIMAL HUSBANDRY & FISHERIES

To meet the working capital requirements towards the following activities:

 a. Fisheries: Fresh water fish/prawn culture(including Cold water), brackish water shrimp/fish crab/ culture, fish/shrimp/prawn/crab seed rearing, capture fisheries in fresh water, rakish water and marine & any other state specific fisheries activities.

 b. Animal Husbandry: Milch animal rearing, poultry layer farming, poultry broiler farming, sheep rearing, goat rearing, pig rearing, rabbit rearing for wool and work animals.

Type of Facility:  Agricultural Cash Credit

Margin: No separate margin, as the margin is inbuilt while fixing the Scale of Finance (SoF).

Quantum of Loan:

Minimum loan : No ceiling

Maximum Loan : No ceiling

The scale of finance for Animal Husbandry & Fishery will be fixed by the District Level Technical Committee (DLTC) based on local cost worked out on the basis of per acre/per unit.

Security:

Primary: Hypothecation of animal/birds/fish/stocks of seed, feed/organic and inorganic fertilizers/ lime/other soil conditioners and assets created out of bank finance.

Collateral: Nil upto Rs. 1.6 lakh and above 1.6 lakhs – as per bank norms

Mortgage of land /charge on land or liquid Security.

Interest Subvention:

Up to the credit limit of Rs.2.00 lakh to meet working capital requirement. A borrower will be eligible for Additional interest subvention only if the credit summation for one year from the date of sanction/renewal/ review is more than debit summation.

Pradhan Mantri Mudra Yojna

Purpose:

To create employment and generate income for livelihood to enhance the standard of living of people.

Features

Type of Facility:

Loan limit up to Rs.1.00 lakh: Running OD which is renewable annually.

The loan limit beyond Rs.1.00 lakh: 5 years (60 months) including a moratorium/gestation period of 1 month as Drop Line Overdraft Limit.

antum of Loan:

Project Cost (A)

Less Margin (B)

Bank Loan (A-B)

Margin:

Up to Rs. 50,000/-: NIL

Rs. 50,000 to Rs.10 lakhs: 10%.

Moratorium: 12 Months Maximum (Should be decided because of activity Financed)

Security:

Primary: Hypothecation of assets created out of the Bank Loan.

Collateral: No collateral to be obtained for all loans up to Rs.10 lakhs.

Interest Subvention: Not Applicable

Agri.Enterprise Loan

Purpose: To provide finance to agri based enterprises viz Agri Commodity & Food processor, Agri input manufacturer, Agri Exporters & FPO engaged in select Agri, Allied, Agri infrastructure and Ancillary activities.

Features

Type of Facility: TL, CC, BG, LC, Bill Discounting. Pre & Post - shipment

Quantum of Loan:

Minimum: ₹1 lakh

Maximum: ₹100 crores

Repayment: The loan will be repayable in maximum 10 years with maximum moratorium of 24 months.

Security: Primary: Mortgage of Primary land & Hypothecation of machinery, equipment, stocks, receivables, other movable assets (Present & Future)

Collateral:

NIL Upto ₹2 Cr if Credit guarantee cover availed.

More than ₹2 Cr: Suitable security for rest of the loan amount above ₹ 2 Cr.

Produce Marketing Loan

Purpose

To help farmers avoid distress sale immediately after harvest when the prices are usually low.

To offer the facility of loan against the security of fungible farm produce stored at accredited/ Non- accredited warehouse

Features

Eligible: Farmers and Group of Farmers.

Type of Facility: Demand Laon with maximum tenor of 12 months.

Quantum of loan: Based on the valuation of the pledged commodity, lowest of

a. minimum Support Price, wherever declared or

b. Current market price or

c. Value mentioned in e-NWR/WHR).

Limit = (Quantity × Valuation) – Margin.

Maximum loan:

Against e-NWRs- ₹ 75.00 lakhs.

Against other WHRs- ₹ 50.00 lakhs.

Margin: 25-40% (Based on the type of warehouse where product is stored)

Moratorium: NA

Repayment: Commensurate with stated shelf life of the commodity or date of validity of the WHR/e-NWR in any case not exceeding 12 months.

Security:

Primary: Hypothecation / Pledge of e-NWR / Warehouse Receipts issued by WDRA registered Warehouses / Collaterally Managed Godowns / SWC / CWC Godown / Cold storages.

Collateral:

For WHRs by warehouses managed by Bank’s approved Collateral Managers and e-NWRs: NIL

For WHRs by other Warehouses (Not managed by Bank’s approved Collateral Managers): Mortgage of Land for loans above ₹10 lakhs.

Setting up Agri.Clinic and Agri.Business Centers

Purpose: 

To set up for providing Agri-Clinics expert advice and services to farmers on various technologies and clinical services for crop and animal health.

For set up Agri-Business Centers for maintenance and custom hiring of farm equipment, sale of inputs and other services in agriculture and allied area, including post-harvest management and market linkage for income generation

Features

Loan Limit:  As per the scheme, 20 lakhs are available to individuals and 100 lakhs are provided to a group of five trained persons.

Margin: 

Up to Rs.5.00 Lakh: Nil

Above Rs.5.00 lakh: As per bank guidelines.

However, concessions would be made in respect of SCs/STs, women and beneficiaries of North-eastern states, Hill areas. In such cases, a maximum of 50% of the margin money prescribed by the banks could be given by NABARD to meet the shortfall in borrower’s contribution, if the bank is satisfied that the borrower is unable to meet the margin money requirements.

Type of facility: Agri Term loan.

Moratorium: 24 Months Maximum (Should be decided because of activity Financed)

Loan Term: Maximum up to 10 Years (inclusive of the moratorium)

Interest rate:

Loan up to Rs.50 lakh: One-year MCLR+ 2.00%.

Loan Above Rs. 50 lakh :-As per Bank Guidelines.

Fees & Charges:

Processing charges: Up to Rs.2.00 Lakh -NIL Above Rs.2.00 Lakh 1.40% of Loan amount +GST

Primary: Mortgage of Land & Building (wherever applicable). Hypothecation of assets created out of Bank Finance.

Collateral:

For loan up to Rs. 10 lakhs: No collateral required. To be covered under PM MUDRA Yojana.

Above 10 lakhs Other Category: - As per Banks Norms.

For loans up to 1 Cr: - No Collateral required for all Proposals eligible Under Stand-Up India Scheme.

Subsidy: Agri Clinic &Agri Business Centres Schemes are eligible for subsidy from NABARD subject to terms and conditions.

Scheme for Debt Swapping of Borrowers

Purpose :

To extend finance to farmers for paying off loans taken from non-institutional lenders (e.g. money lenders, etc.) and to enable such farmers in distress, meet their crop production needs.

Features

Type of Facility: Term Loan

Quantum of Loan:

Minimum: Rs 5,000/-

Maximum: Rs 1,00,000/-

The quantum of loan granted shall be 100% if the debt is on account of cultivation or agri activity, with amaximum of Rs. 1,00,000/. Additionally, loan for crop production will be sanctioned under Kisan credit card.

Repayment: The loan will be repayable in half yearly instalments in 3 to 5 years.

Security: All the existing security available with the bank will be extended to cover the loan under the proposed scheme also.

Primary: Charge over assets and documents pledged/ mortgaged with the moneylenders, non-institutional lender, etc. after the dues of the money lenders / non-institutional lenders are cleared.

Collateral: Collateral security by mortgage / charge on agriculture property shall be taken for this loan, if the total loan exceeds ₹ 1.60 lakh.

Agri.Infrastructure Fund Scheme

Purpose

To establish Cold stores, Warehousing, Silos, packing units, Assaying/ Grading, Logistic facilities, Primary processing centers, packing units, ripening chambers /waxing plants, etc.

Objective

To enhance post-harvest management infrastructure.

Features

Type of Facility: Term loan

Margin:

Up to the loan limit Rs. 2 Cr: Min 10% of the project cost.

Above the loan limit of Rs. 2 Cr: 25% of the project cost.

Quantum of Loan:

Minimum loan: No ceiling

Maximum loan: No ceiling

Security: As per Bank’s extant guidelines.

Repayment: Repayment period will be ten (10) years including moratorium period of 6 - 24 months.

Interest Rate: -

Up to the loan limit of Rs. 2 Cr: 6M MCLR +100 bps.

Above the loan limit of Rs. 2.00 Cr: As per Bank’s extant guidelines.

Interest Subvention - Interest Subvention 3% p.a. for up to Rs. 2 Cr for a period of 7 years including moratorium period.

Credit Guarantee: -

Up to Rs.2 Cr: CGTMSE for MSME.

Up to Rs.2 Cr: From SFAC for FPO/ FPCs under FPO promotion scheme of DA & FW.

Portal : http://www.agriinfra.dac.gov.in

Animal Husbandary Infrastructure Development Fund (AHIDF)

Purpose

To establish new and strengthening of existing Dairy processing and Meat processing including Animal Feed Manufacturing units.

Objectives

To enhance milk processing / meat processing capacity besides making available quality concentrated animals feed.

Features

Type of Facility: Term loan

Margin: 10-25% of the project cost.

Quantum of Loan:

Minimum loan: No ceiling

Maximum loan: No ceiling

Repayment: Repayment period will be ten (10) years including maximum moratorium of 24 months.

Security: As per Bank’s extant guidelines.

Interest Subvention: - Interest subvention of 3% is provided to all eligible entities.

Interest, Fees & Charges

For Eligible MSME Entities: EBLR + 200 bps.

For Other Eligible Entities: FPOs/ Private companies/ Individual entrepreneurs/ Section 8 companies

Loan up to Rs. 50 lakhs: EBLR +360 bps.

Loan above Rs.50 lakh: As per Bank’s extant guidelines.

Upfront fee : As per Bank’s extant guidelines, are subject to revision by bank from to time.

Up to Rs.2 Cr: CGTMSE for MSM

Credit Guarantee : For MSMEs - 25% of loan limit without ceiling by NABARD

Portal : portal.udyamimitra.in

PM Formolization of Micro Food Processing  Enterprise Scheme

Purpose

Enhance the competitiveness of existing individual micro-enterprises in the unorganized segment of the food processing industry and promote formalization of the sector.

Support Farmer Producer Organizations (FPOs), Self Help Groups (SHGs) and Producers Cooperatives along their entire value chain.

Objectives

Increased access to credit by existing micro food processing entrepreneurs, FPOs, Self Help Groups and Co-operatives.

Integration with organized supply chain by strengthening branding & marketing.

Support for transition of existing 2,00,000 enterprises into formal framework.

Increased access to common services like common processing facility, laboratories, storage, packaging, marketing and incubation services.

Strengthening of institutions, research and training in the food processing sector and

lncreased access for the enterprises, to professional and technical support.

Features

Type of Facility: Term loan

Margin: Minimum of 10% of the project cost.

Quantum of Loan:

Minimum loan: No ceiling

Maximum loan: No ceiling

Repayment: Max. 10 years including maximum moratorium of 6-24 months.

Security: As per Bank’s extant guidelines.

Interest rate: -

For Eligible MSME Entities:

Loan up to Rs. 2 Cr: EBLR (External Benchmark based Lending Rate) +200 bps.

Loan above Rs. 2 Cr: As per Bank’s extant guidelines.

For Other Categories: FPOs/ SHGs/ Producer Cooperatives:

Loan up to Rs. 50 lakhs: EBLR +360 bps

Loan above Rs.50 lakhs: As per Bank’s extant guidelines.

Upfront fee : As per Bank’s extant guidelines, are subject to revision by bank from to time.

Subsidy/ Grant

Individual Micro Enterprises: Capital Subsidy @35% of the eligible project cost with a maximum ceiling of 10.00 lakh per unit.

FPOs/ SHGs/ Co-operatives: @35% of eligible project cost.

Common Infrastructure Development: @35 % of eligible project cost.

Credit Guarantee : For MSME: - CGTMSE for collateral free loan up to Rs.2 Cr. Other categories: For loans under MUDRA credit guarantee of CGFMU.

Portal : https://pmfme.mofpi.gov.in

PM KUSUM Scheme (A)

Purpose

Component (A)

Financing solar or other renewable energy-based power plants (REPP) of capacity 500 kW to 2 MW on Barren/ uncultivable land backed by PPA (Power Purchase Agreement) with Distribution Companies (DISCOM).

Agricultural land is also permitted under the scheme provided that solar plants are installed in stilt fashion (i.e., raised structure for installation of Solar panels) and with adequate spacing between panel rows for ensuring that farming activity is not affected.

Features

Activity : Installation of solar power or other Renewable Energy based Power Plants (REPP) on barren/ fallow land, pasture lands and Marshlands or in stilt fashion on agriculture land owned by farmer.

Type of Facility: Agricultural Term Loan. BG facility against 100% cash margin.

Margin: 30% of the Project Cost.

Quantum of Loan: Max. 70% of the project cost. Max. Ceiling - Rs.10 Cr.

Debt Equity Ratio (Max):

Desired Level - 65:35

Acceptable Level - 70:30

Loan Tenor: Door to Door tenor at Maximum 15 Years (comprising construction, moratorium and repayment period).

Moratorium Period: : - Maximum 12 months post COD.

Security: As per Bank’s extant guidelines.

CGTMSE: The borrower can avail the benefit of credit guarantee package (CGTMSE) by registering as MSME. In case, the borrower is availing the facility under CGTMSE, he has to comply with all the relevant guidelines.

Land: The entire parcel of land required for the project should be in the possession of the farmer/applicant.

Repayment: Maximum period of 15 years including moratorium period.

Interest, Fees & Charges

Interest: As per Bank’s extant guidelines.

Upfront fee: As per Extant instructions of Bank from time to time.

Portal : https://pmkusum.mnre.gov.in

PM KUSUM Scheme (B) and (C)

Purpose

Component (B)

Installation of 17.50 Lakh Stand-alone Solar Agriculture Pumps and will be implemented in full-fledged manner with total Central Government support of Rs.19,036.50 crores.

Component (C)

Solarisation of 10 Lakh Grid Connected Agriculture Pumps and on pilot mode for one lakh grid connected agriculture pumps. It should be scaled up with necessary modifications based on the learning from the pilot phase.

Features

Type of Facility: Agricultural Term Loan

Margin: Farmer contribution:10% of benchmark cost of pump.

Quantum of Loan:

Minimum loan: No ceiling

Maximum loan: No ceiling

Central Financial Assistance (CFA):

State Government: 30%

Farmer contribution: 40%

(Bank finance: 30% and farmer initial payment of 10%).

Subsidy for North Eastern States, Sikkim, J & K, HP, Uttarakhand, Lakshadweep and A & N Islands: Central Financial Assistance (CF):

State Government: 30%

Farmer contribution: 20%

(Bank finance: 30% and farmer initial payment of 10%).

Security: As per Bank’s extant guidelines.

Repayment: Maximum of 120 months including moratorium.

Interest rate : - 1-Year MCLR + 350 bps.

Upfront- fee: 1.40% of the loan + GST.

Subsidy:

Back ended credit linked subsidy.

Subsidy is deposited in the form of TDR with Zero interest rate and kept with the branch.

Lock in period for subsidy is three (3) years.

Portal : https://pmkusum.mnre.gov.in

NULM

Purpose

The Self Employment Program (SEP) of NULM focuses on providing financial assistance through provision of interest subsidy on loans to support establishment of Individual & Group Enterprises and Self-Help Groups (SHGs) of urban poor. The erstwhile provision of capital subsidy for USEP (Urban Self Employment Program) and UWSP (Urban Women Self-Help Program) under SJSRY has been replaced by interest subsidy for loans to Individual enterprise (SEP-I), Group enterprise (SEP-G) and Self Help Groups (SEP- SHGs). With a view to improving the livelihood opportunities for the poor in urban areas, erstwhile Ministry of Housing and Urban Poverty Alleviation (UPA Division), Government of India vide their Office Memorandum No. K-14011/2/2012UPA/FTS-5196 dated February 19, 2016 had enhanced the scope of National Urban Livelihoods Mission. The Mission with enhanced scope was renamed as “Deendayal Antyodaya Yojana - National Urban Livelihoods Mission (DAY-NULM)”.

Features

Loan Amount / Tenure of loan :

Individual Enterprises (SEP-I)-Loan & Subsidy:

An urban poor individual beneficiary desirous of setting up an individual microenterprise for self-employment can avail benefit of subsidized loan under this component from any bank. The norms/ specifications for individual micro-enterprise loans are as follows:

Age:

The prospective beneficiary should have attained the age of 18 Years at the time of applying for loan

Project Cost (PC):

The Maximum unit Project Cost for an individual microenterprise is ₹ 2,00,000 (₹ Two Lakhs).

Margin Money:

No margin money should be taken for a loan up to ₹ 50,000 and for higher amount loans, preferably 5% should be taken as margin money and it should in no case be more than 10% of the project cost

Group Enterprises (SEP-G) Loan & Subsidy:

A Self Help Group (SHG) or members of an SHG constituted under DAY-NULM or a group of urban poor for self-employment can avail benefit of subsidized loans under this component from any bank. The norms/ specifications for group based micro-enterprise loans are as follows:

Eligibility Criteria:

The group enterprises should have minimum of Three (3) members with a minimum of 70% of the members from urban poor families. More than one person from the same family should not be included in the same group.

Age:

All members of the group enterprise should have attained an age of 18 years at the time of applying for bank loan.

Project Cost (PC):

The group will be eligible for a maximum loan of Rs. 2 Lakh per member or Rs. 10 Lakh, whichever is lower.

Loan and Margin Money:

The Project Cost minus the beneficiary contribution (Margin Money) would be made available as loan amount to the group enterprise by the bank. No margin money should be taken for loan up to ₹ 50,000 and for higher amount loans, preferably 5% should be taken as margin money and it should in no case be more than 10% of the project cost.

Rate of interest : (EBLR + 3.25% ) p.a. Present effective rate = 7.55%+3.25% = 10.80% (w.e.f 15.06.2022).

Type of Loan : Cash Credit / Term Loan

Repayment schedule would range between 5 to 7 Years after initial moratorium of 6-18 months as per norms of the banks.