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Union Kalpataru
UNION KALPATARU
Features
Purpose :-
Union Kalpataru is a scheme exclusively for NDDB Smart Card holders. It helps provide medium term loan to dairy farmers having NDDB Smart Card.
Eligibility :-
To avail the loan, the smart card holder should have received at least 2 fortnight payments in his account or transacted for a period of one month, whichever is later. The second aspect is that the average of latest two fortnight milk proceeds received by pourer should be 40% more than the corresponding loan installment.
Quantum of loan :-
Minimum loan amount of Rs.10000 and there after in multiples of Rs.5,000/- up-to maximum loan amount of Rs.30000 can be availed.
Margin :-
Nil.
Rate of Interest :-
Please click here to know our latest rate of interest.
Repayment :-
Duration of 50 Fortnightly installments. (Fortnightly installment is fixed as NDDB is paying its pourers milk proceeds on fortnightly basis.)
FORMS & DOCUMENTS
list of Documents
Application form
DP Note
Reference
FAQS
1. How will the loan amount be decided?
A loan amounts can be considered as per the requirement and category of the beneficiary on revolving basis: say Rs.10,000/- loan is minimum ticket size for pourers of entry level. The pourer of the higher category may be financed at higher level of Rs. 20,000/- depending up on their income flow to begin with and on satisfactory repayment he may be offered higher slab based on his repayment capacity.
2. Can any dairy farmer avail this loan?
Only Dairy farmers holding NDDB Smart Card can avail this loan.
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