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fin ife rf in - T§OnTFT 3ft{ qi¥q- aqi]iTFT te ed§ha quKisan Credit Card Scheme - Working Capital forAnimal Husbandry and Fisheries

fin ae # (arm) in a drT #gqqT 25 fain 2017 FT EFT{T FTfETTftr ri.ur.Fffa.3TEqTan any2i52;an.i72Oi7-18 aa. Su drT # q.3.Tqraa3ftT HFFq EqRE fRE EPr rd3fliT tgr3TTa3qtFaT3ff * far ffro ife ed

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Please refer to our Master Circular -Kisan Credit Card (KCC) scheme issued

vide Ref. No. NB. DOR. ST-

Pol/2152/KCC.1/2017-18 dated 25

September 2ol7. It has been decided to

extend KCC facility to Animal Husbandryfarmers and Fisheries for their workingcapital requirements. The guidelines are

given in the Annexure.

2. Banks are advised to implement the

Scheme as per the guidelines

3. Please acknowledge receipt.

8Tagiv

pr FE"RETTstatatrfufrfuas

____ tl. ol d olch : qeniHational Bank for Agriculture and Rural Development

givfintdei.th-24,`di'as,qiIr-edqjiPlaiRI,qtr(T±),*-400051.tlRI.:02226524926.fa:02226530090.€-air:dor@nabard.Oro

DepartmentOfRefinance

PlotNo.C-24,`G'Block,Bandra-KurlaComplex,Bandra(E),Mumbai-4ooo51.Tel.:o2226524926.Fax:o222653oogo.E-mall:dor@nabard.org

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Guidelines on KCC to Animal Husbandry farmers and Fisheries

1. qftr Introduction

al 2018-19 aT atFTE # fa ulqFTT i q-3Tqii]F 3it HFFq c<+ci<ii<i fa,i+lull al 3rfu®

ed3PrF iF 3TFT3qiFaT3fi EPr fi te ffro ife rf tREj fl grIT *faffl EPr tin Efr. aar in aT 3TFUT # SH faqq EPr rfu EPr ng 3ft{ HaPr

tr]Tdi rfu HiFTF a q¥.TqTFT 3ft{ FFFq Eqt]HFT fRE aT far faRT ffi #

PIT aFT faffl rd FT fan faFT rm a.In the Budget 2018-19 the Union Government had announced their decision to

extend the facilities of Kisan Credit Card (KCC) to Animal Husbandry farmers and

Fisheries (AH & F) to help them meet their working capital requirements. In

pursuance of the said budget announcement the matter has been examined, and inconsultation with all stakeholders, it has been decided to extend the KCC facility for

working capital requirement for activities related to Animal Husbandry and Fisheries.

2. FTha Purpose:

q-3OTtTTH, FT, Hr u I , Ta.diiHioioi, 3ffl GFT ffi, Fi5iPr qffiEa chfr 3TEqirfu

apT 3]TEr3qq5dT3ff a far ffu ra ed quit q5T 3qdr faFT GTTTIT.The KCC facility will meet the short term credit requirements of rearing of animals,

birds, fish, shrimp, other aquatic organisms, capture of fish.

3. qTFT Eligibility:

ffro ife rd aT 3Ttha qQOTqii]T 3ir BLJr I D a far in FTaffi * FTisfaHio®itll` an :

The criteria for eligible beneficiaries under KCC for Animal Husbandry and Fisheries

will be as under:

€`AV >`

3.1 7]tFF cqqtliq Fishery

3.1.1 3iifeflq Ht¥q ot+q<"I 3n{ <"`irftcm Inland Fisheries and Aquaculture

3.1.1.1 Haan, BL I fin (aFTffa a-qnIy giv, rfu, aFT?aiFTffro), ed HEFTaT H5F, try dr tl7F 3ft{ Hfgiv H7F.

Fishers, Fish Farmers (individual & groups/ partners/ share croppers/ tenant

farmers), Self Help Groups, Joint Liability Groups and women groups.

3.1.1.2 ar8TTfar * t]iu ETTFT, tin, aiFT3Tq, se, an, tTTFT at an 7]FFzr5qqqiq drfr 7Tfafaian 3ft{ 3Fq- Ii=F fafitE HEFq- 5qt]Hiq aT far ¥ Efu F]in ITq± qT @ JF FT a Err far Hich viiTFT 3it 3ma-3qiF giv giv giv.The beneficiaries must own or lease any of the fisheries related activities such as

pond, tank, open water bodies, raceway, hatchery, rearing unit, possess necessarylicense for fish farming and fishing related activities, and any other State specific

fisheries and allied activities.

3.1.2apou Lu a Marine Fisheries

3.1.2.1 3.1.1.1 # 3ffafatT FTanff fan ed fl ar tflF qT th 7T€ fry frfua"y rfu a, HTa 3it q¥g # Fi5iPr qri, RE qraa 3it ap air EPr 7rfafrm3fl{ qa Hg an 3TH {i=zT fafha FfFq eqaHiq Sit 5RE 7Tfafafan aT far3TTF3qiF givy 3TFfa a.Beneficiaries listed at 3.1.1.1 above, who own or lease registered fishing

vessel/boat, possess necessary fishing license/permission for fishing in estuary and

sea, fish farming/mariculture activities in estuaries and open sea and any other

State specific fisheries and allied activities.

3,2 FT air Eife 5rfuiF Poultry and small ruminant

3.2.1 faFT FT rd nd faFT - 5qffa IT try 3tTTch, ai5y an7 H`3TvFTJ q8PrJ rfuT qraF rd nd aFT3affTT fRE gil giv dr HJF 3Ta]i]Ted qFqi]T Hng faFTaT ed air firy ft qT far 7IT 3t5 a.Farmers, poultry farmers either individual or joint borrower, Joint Liability Groups or

Self Help Groups including tenant farmer of sheep/goats/pigs/poultry/ birds /rabbit

and having owned/rented/leased sheds.

•' Ser

3.3 anDairy

3.3.1 fin 3ft{ SIT ffro -5qffa IT riIr 3tTTed, try dr HTF 3Tan edHEFTFT HJF aFT3affiT fRE gil faFTir viH ed aT7 ffroy giv tFT fair 7Ttr 3t5 a.Farmers and Dairy farmers either individual or joint borrower, Joint Liability Groups

or Self Help Groups including tenant farmers having owned /rented/leased sheds.

4. TacdH[d scale of Finance

4.1 faiffliT a5T fatrfu rfu FtFgy rfu E*y Ffa q-Qjr rfu qiPr 3TTfa aT 3TT€FT a.

FeITfrq Fit qT 3TTrfu ET faffl Erfu dEffi ffi @Trm a 3TquiT an.The scale of finance will be fixed by the District Level Technical Committee (DLTC)

based on local cost worked out on the basis of per acre/per unit/per animal/per bird

etc.

4.2 FFFq €qatiFT # faiiTFT aT 3TtflF edQPrFT qF q€q# # rfu, FT, th 3ft{ 3Tth3fa, qFi/ 3i=a ngT 3qan aFa« tFuiT 3ft{ faTUFT rmFT, 3Tfay fan eeTiT, Fxp,fty fa5" (rfu air atT ft Tr faFT maT at) 3Trfa 3madi tmTF QTTffa faTF aT ut a.fran qri EPr FTfafafa thfr iiird.iloi # #H tmiiT, *, dry 3at malt 3TTfaed3PrF tar # 3TTfha fa5F aT ut a.The working capital components in fisheries, under the scale of finance, may

include recurring cost towards seed, feed, organic and inorganic fertilisers,

lime/other soil conditioners, harvesting and marketing charges, fuel/electricity

charges, labour, lease rent (if leased water area) etc. For capture fisheries, working

capital may include the cost of fuel, ice, labouring charges, mooring/landing charges

etc. may form part of the scale of finance.

4.3 faEETFT a 3iat q-3OmTIT a rdefliT iF q€# # ffliT, q.ej farqirtlq^i^iq H6Tqi]T,Fxp, G]iT 3fr{ fan 3ng en 3Trafi tmiF QTTfha fir aT ed a.The working capital components in Animal Husbandry, under the scale of finance,

may include recurring cost towards feeding, veterinary aid, labour, water and

electricity supply.

4.4 rd3PrFT tF 3RT3qtFT3fi un 3TfatFT 3Trfu i5T 3Tffiffl FT Tag faan3TeraT uiF 3FpiaF qF EPr giv aT 3TTtFT vT fin aT tliFaT a.

The maximum period for assessment of working capital requirement may be basedI ty. - '¢ - - -

..+~':`,:: ,,-. ct:/ o`n', ,the cash flow statement or completion of one production cycle.„> .,

`/.i 2 `'

J- dr-3

4.5 5T5a xpoT 3TFT3qtFaT3ff aT 3]ffii]T aT drT # affan 5iEN * iaF fin EREaiffi ffi @uan) * Fi=FZT €qaHiq 3it q3®mTFT Huh fa-3tTdi ch 3Tfiin finffl - a.Fisheries and Animal Husbandry experts of the Government may be made

members of the DLTC for giving technical inputs for assessing the cash credit

requirement.

4.6 rfePrFT F 3iitTQqiFaT3fi aT 37Tffla * 8tT FRE aTan aa aT fair q3eTt]F/HFFF €qi]HFT air aT rfuftF 3an 3Tfiir fir 5T nd ¥,Progressive entrepreneurs of livestock/fisheries sector may also be included in the

DLTC for providing field level inputs while assessing the working capital

requirements.

5. tll.iie-q faeTffiifeT General Guidelines

5.1 j77FT j77giv : EEfr aT @atFT Irfu, ap 3Ttif aT 37grFT mtq lfRE3ft{/ an]i]T aa5a malt * 3TTtTTr qT 3TTEluT 3TRtr FT 3iTfflF fin 5TTFT.

OraMw'ng power,'The drawing power will be worked on the basis of the latest

valuation of stocks, receivables and/or cash flows as per terms of sanction.

5.2 giv ,. XPT rfu atFa apT th * FT # qaFT faFT airm. gr ffl fattr3tnd api{T fl en ca Jffifaia # ai5a malt/ 3rm 3Tfa aT 3]FTT fin aTu7TT.ffapajmGnf..The loan will be in the nature of a revolving cash credit limit.

Repayment will be fixed as per the cash flow / income generation pattern of the

activity undertaken by the borrower.

5.3 ~ a 37tw j7 jgiv .. ira fl 3Trifin fl fa7Tun aT iaTr rfuffro ra at qoT 5fr rfu * 3Ttfl] nd faTF 7TTr ed ar at ed a 3]iFT ItITaFT rfu. ira * 3wh fl faTTun (tFtliT at * iaF fir ra rf Hen3TaFT at aT uier EPr 5TTfl giv en # 3rfehaTRdi 5Pr at fl rfu EPr rfu aT iaTat/ qRdr Fa7tT FT air atT a5IaT giv. 3mafaiF 5q a # gu givIT fl fa7Tunan 3it 3tnd aT q.idfaDiiiach aT 3iit]iT qT Eu givIT al any aiT]H ant a5FT an.Wan;.fo„.ng of enc/ tjse.. The account/smart card for the loan issued under the

scheme is to be maintained/issued separately from the existing KCC loan to

monitor the utilization limit. The monitoring of end use of funds will be in line with

other loans (KCC on crop loans included) viz., field visits to the site of unitlproject

ie be carried out by the branch officials for checking the progress of the unit.

4

Banks will periodically review the facility and continue/withdraw/scale down the

facility based on the performance of the borrower.

5.4 ey rfe .. 3ma Efu tTFiF, 3Trfen aT aTifeFT 3ft{ mi]tm rd givPrand Red # a 5Hq-u5]q qT an rfu faard FTife ai7T` an.Pruc/en//.a/ no/ms.. The extant prudential norms on income recognition, asset

classification and provisioning issued by RBl from time to time will apply.

5.5 aiz775r gr : 8TTch Red # a qHqr-qHq q{ ]TIt faQTffiifefr H fa5Tr 7iv fatrfu $3TFT 6qitFT H FT` an.f?ate o/ /nfe/es£ The rate of interest will be as stipulated by FtBl guidelines issued

from time to time.

5.6 3TETfifa tFHFT HOT te ffro ife at in # 3ffafaa 3i=q- faQTffi¥3T qe]TH`FT`an.All other guidelines laid down in Kisan Credit Card Scheme for short term crop

loans will be applicable mutatis mutandis.