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Business, & agriculture finance

Direct Linkage to Self Help Groups

Direct term-loan or cash-credit finance for , from ₹50,000 to ₹20 lakh, with published margin and rate terms.

Loan amount₹50,000 to ₹20 lakhInterest rate1-year MCLR + 5%, stated as 14% p.a.Customer typeSelf-help groups active at least six months and meeting NABARD grading
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Quick eligibility check

Direct Linkage to Self Help Groups

0 of 4 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.

1Do you meet this requirement: SHG active at least six months, meets NABARD grading parameters and has required corpus?

Published source: Eligibility

2Do you meet this requirement: Self-help groups active at least six months and meeting NABARD grading?

Published source: Customer type

3Can you provide this required proof: IBA-prescribed loan documents?

Published source: Documents

4Document checkDo you have this required document or proof: IBA-prescribed loan documents?

Published source: Documents
0 of 4 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₹50,000 to ₹20 lakhView source
Minimum Loan Amount Rs 50,000; Maximum Loan Amount Rs 20,00,000.
Source
Direct Linkage to
Page / section
Loan Amount
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Facility and repaymentTerm loan 24–60 months; cash credit 36 months subject to annual review/renewalView source
Both term loan and cash credit permitted; term loan 24 to 60 months and cash credit 36 months.
Source
Direct Linkage to
Page / section
Facility
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Interest rate1-year MCLR + 5%, stated as 14% p.a.View source
1 Yr + 5% = 14% p.a.; minimum, maximum and average 14%.
Source
Direct Linkage to
Page / section
Interest Rate
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
EligibilitySHG active at least six months, meets NABARD grading parameters and has required corpusView source
should be active at least six months, satisfy grading and have required corpus.
Source
Direct Linkage to
Page / section
Eligibility Criteria
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Security and marginPrimary hypothecation/clean security; collateral nil; margin nil up to ₹10 lakh and minimum 10% above ₹10 lakh; CGFMU above ₹10 lakhView source
Collateral nil; margin up to ₹10 lakh nil and above ₹10 lakh minimum 10%; above ₹10 lakh.
Source
Direct Linkage to
Page / section
Security & Margin
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
ChargesNo processing, documentation or inspection charges up to ₹5 lakhView source
No loan processing fee, documentation charges or inspection charges for loans up to Rs 5 Lakhs.
Source
Direct Linkage to
Page / section
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
Direct Linkage to Self Help Groups — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
Customer typeSelf-help groups active at least six months and meeting NABARD gradingView source
The manually reviewed product record states: “Self-help groups active at least six months and meeting grading”.
Source
Direct Linkage to Self Help Groups — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗
DocumentsIBA-prescribed loan documentsView source
The manually reviewed product record states: “IBA-prescribed loan documents”.
Source
Direct Linkage to Self Help Groups — official product page
Page / section
Published product metadata
Accessed
4 Sept 2026
Confidence
high
Open official source ↗

Benefits and features

  • ₹50,000–₹20 lakh
  • Term loan 24–60 months or cash credit 36 months
  • No collateral; margin nil to ₹10 lakh and at least 10% above
  • 14% p.a. published rate

Eligibility

  • active at least six months, meets grading parameters and has required corpus.

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

Documents the bank lists

  • IBA-prescribed loan documents

Related official documents

Financing Self Help Groups — Direct Linkage to SHGsofficial-product-page · current · accessed 4 Sept 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Loan repayment estimate

See what the loan could cost each month. Move any slider to try a different amount, rate or repayment time.

One monthly payment₹16,499sixteen thousand four hundred ninety-nine rupees
Interest paid over the full loan₹14,59,734fourteen lakh fifty-nine thousand seven hundred thirty-four rupees
Everything you repay₹39,59,734thirty-nine lakh fifty-nine thousand seven hundred thirty-four 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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