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Business, & agriculture finance

Co-lending Finance for Individual Members

Demand finance through co-lending arrangements with /-, from ₹10,000 to ₹3 lakh for sustainable livelihoods.

Loan amount₹10,000 to ₹3 lakhInterest rate10.50% fixed minimum plus servicer-fee component; published range 10.50%–20.00%, average 15.25%Customer typeIndividual members of joint liability groups engaged in non-farm or allied agriculture activities
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Quick eligibility check

Co-lending Finance for Individual Members

0 of 5 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Are you this type of customer: Similar-member JLGs engaged in non-farm or allied agriculture activity within partner NBFC area, subject to RBI microfinance criteria?

Published source: Eligibility

2Do you meet this requirement: Individual members of joint liability groups engaged in non-farm or allied agriculture activities?

Published source: Customer type

3Do you meet this requirement: Application, arrangement letter, loan agreement, demand promissory note and delivery letter?

Published source: Documents

4Do you meet this requirement: JLG members should have similar gender, socio-economic status and background, perform similar activities, and be within the partner NBFC's operating area?

5Document checkDo you have this required document or proof: Application, arrangement letter, loan agreement, demand promissory note and delivery letter?

Published source: Documents
0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 4 Sept 2026 · active
Offered byState Bank of India

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Loan amount₹10,000 to ₹3 lakhView source
Co-lending model; minimum Rs 10,000 and maximum Rs 3 Lakhs.
Source
Financing through Co-lending Arrangement — individual members
Page / section
Loan Amount
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
FacilityDemand loan under co-lending modelView source
Facility: Demand Loan.
Source
Financing through Co-lending Arrangement — individual members
Page / section
Facility
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Repayment12–36 months including one-month moratoriumView source
One month moratorium; repayment minimum 12 months and maximum 36 months inclusive of moratorium.
Source
Financing through Co-lending Arrangement — individual members
Page / section
Moratorium and Repayment Period
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Interest rate10.50% fixed minimum plus servicer-fee component; published range 10.50%–20.00%, average 15.25%View source
10.5% fixed rate minimum plus servicer fee component; minimum 10.50%, maximum 20.00%, average 15.25%.
Source
Financing through Co-lending Arrangement — individual members
Page / section
Interest Rate
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
EligibilitySimilar-member JLGs engaged in non-farm or allied agriculture activity within partner NBFC area, subject to RBI microfinance criteriaView source
Members should be similar and engaged in non-farm or allied agri activities within partner area; other microfinance criteria apply.
Source
Financing through Co-lending Arrangement — individual members
Page / section
Eligibility Criteria
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Security and marginNil margin; primary and collateral security nilView source
Margin nil; primary and collateral nil.
Source
Financing through Co-lending Arrangement — individual members
Page / section
Margin and Security
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Other chargesNil under the regulatory framework on microfinance loans and SBI microfinance policyView source
Nil as per regulatory framework on microfinance loans and policy.
Source
Financing through Co-lending Arrangement — individual members
Page / section
Other Charges
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Turnover / vintageNo turnover or business-vintage threshold is published on the complete reviewed official product pageView source
The reviewed pages state customer, activity, land, group, credit-score and account conditions where applicable, but do not publish a turnover or business-vintage threshold for these products.
Source
agriculture product catalogue and linked official product pages
Page / section
Complete product-page review; eligibility and features
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Geographic limitsIndiaView source
The manually reviewed product record states: “India”.
Source
Co-lending Finance for Individual Members — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Customer typeIndividual members of joint liability groups engaged in non-farm or allied agriculture activitiesView source
The manually reviewed product record states: “Individual members of joint liability groups engaged in non-farm or allied agriculture activities”.
Source
Co-lending Finance for Individual Members — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
DocumentsApplication, arrangement letter, loan agreement, demand promissory note and delivery letterView source
The manually reviewed product record states: “Application, arrangement letter, loan agreement, demand promissory note and delivery letter”.
Source
Co-lending Finance for Individual Members — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • ₹10,000–₹3 lakh
  • 12–36-month repayment including one-month moratorium
  • Nil primary and collateral security
  • 10.50% fixed minimum rate plus servicer fee component

Eligibility

  • members should have similar gender, socio-economic status and background, perform similar activities, and be within the partner operating area.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Application, arrangement letter, loan agreement, demand promissory note and delivery letter

Related official documents

Financing through Co-lending Arrangement — individual JLG membersofficial-product-page · current · accessed 4 Sept 2026
↗

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Loan repayment estimate

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One monthly payment₹24,959twenty-four thousand nine hundred fifty-nine rupees
Interest paid over the full loan₹34,90,279thirty-four lakh ninety thousand two hundred seventy-nine rupees
Everything you repay₹59,90,279fifty-nine lakh ninety thousand two hundred seventy-nine rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

DAY-NRLM Finance · Published amount/limit₹1.50–₹20 lakh

This value is copied from additional agriculture catalogue products — page tables. Check the table notes before relying on it.

Source: agriculture product catalogue and linked official product pages · Agriculture catalogue — Micro Credit, Gold Loan, Farm Mechanisation, Allied Activities and Miscellaneous Activities Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 11 rows · 5 columnsSBI additional agriculture catalogue products — page tablesStructured transcription of every numeric term, eligibility rule, fee, rate, security and payment condition published on the reviewed product pages.View tableHide table

Scroll sideways to view every column

SBI additional agriculture catalogue products — page tables
ProductPublished amount/limitRate and feesTenure/paymentEligibility/security
DAY-NRLM Finance₹1.50–₹20 lakh7% to 10.40% p.a.; nil chargesTerm 24–84 months; cash credit 12 monthsRural DAY-NRLM active 6 months; no collateral; margin up to 10% above ₹10 lakh
Co-lending individual ₹10,000–₹3 lakh10.50% fixed minimum + servicer fee; 10.50–20.00%; nil charges12–36 months incl. 1-month moratoriumSimilar-member ; nil margin and security
Direct Linkage to ₹50,000–₹20 lakh14% p.a.; no processing/documentation/inspection fee up to ₹5 lakhTerm 24–60 months; cash credit 36 months6-month , grading/corpus; collateral nil; margin 10% above ₹10 lakh
Finance₹60,000–₹10 lakh12% fixed p.a.; nil charges12–36 months incl. 1-month moratoriumSimilar-member ; nil margin and security
Multi Purpose Agricultural Gold Loan₹5,000–₹25 lakh8.85% p.a.; processing nil to ₹50,000, then 0.50%/0.30% tiers + 12 monthsFarmers/allied borrowers; pledge of gold ornaments
Combine Harvester Loan₹5–₹35 lakh1-year + 3.50%; 1.50% processing feeHalf-yearly principal-equated instalments; maximum tenure not stated20% margin; land and credit-score rules; documents listed
Animal Husbandry & FisheriesNo minimum ceiling; below ₹50 lakh7% up to ₹2 lakh; effective 4% with prompt repayment; nil to ₹3 lakh then 0.65% + Working-capital cash creditFishery/livestock farmers and groups; collateral waiver up to ₹2 lakh or ₹3 lakh with tie-up
Agri Clinic and Agri Business Centres₹20 lakh individual; ₹1 crore group1-year + 2% up to ₹50 lakh; processing nil to ₹2 lakh then 1.40% + Up to 10 years incl. 24-month moratoriumAge 18–60 eligible agri qualifications; subsidy subject to terms
Polyhouse Loan₹1 lakh–₹5 crore + 2% up to ₹50 lakh; processing as guidelines72 months incl. 12-month moratorium15% margin; assured irrigation; collateral nil up to ₹1.60 lakh
Cold Storage/Warehouse Construction₹1 lakh–₹50 crore1-year + 2% up to ₹50 lakh120 months incl. 24-month moratorium; half-yearly instalments25% margin; broad entity eligibility; published collateral tiers
Rinn Samadhan 2025–26Agri cut-offs ₹10–₹20 lakh5% early-bird incentive; interest/expense concessions10% + 10% + balance within 90 days; scheme ends 31 Mar 2026Specified only; fraud/wilful-default/NCLT and other exclusions
  • Rows preserve the official page values; where a page explicitly gives no numeric maximum (Combine Harvester tenure), that absence is retained rather than inferred.
agriculture product catalogue and linked official product pages · Agriculture catalogue — Micro Credit, Gold Loan, Farm Mechanisation, Allied Activities and Miscellaneous Activities · accessed 4 Sept 2026Open official source ↗

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