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Home You are here : path  Products path Personal path Union Agriculture Infrastructure Loan Scheme

Image  Union Agriculture Infrastructure Loan Scheme (UAILS)


The scheme will facilitate setting up and modernization of key elements of the value chain including Post-Harvest Management Projects and Viable projects for building community farming assets .
Projects promoted by Central/State/Local Governments or their agencies under PPP for building community farming assets or post-harvest management projects.

Eligible Borrowers

Primary Agricultural Credit Societies (PACS), Marketing Cooperative Societies, Farmer Producers Organizations (FPOs), Self Help Group (SHG), Farmers, Joint Liability Groups (JLG), Multipurpose Cooperative Societies, Agri-entrepreneurs, Startups and Central/State agency or Local Body sponsored Public Private Partnership Projects.

Nature of limit

Term Loan


Minimum 25%

Quantum of loan

Assessed based on the Project cost.


  • Prime Security:

Hypothecation of assets created out of Bank finance.

  • Collateral Security: Mortgage of immovable properties and or pledge of specified financial assets as per Banks policy guidelines .

Personal Guarantee

Personal guarantee of the Proprietor, Partners of the Firm, Directors of the company and of all mortgagor of collateral security.

Credit Guarantee Coverage

  • Credit guarantee coverage will be available for eligible borrowers for a loan upto Rs.2 crores.

Repayment period

  • The term loan component will be normally repayable within a period of 7 years inclusive of moratorium period (from 6 months to max 2 years )depending on the type of activity / investment in line with the projected cash flows.

Interest Subvention

  • All loans under this financing facility will have interest subvention of 3% per annum up to a limit of Rs. 2 Cr. This subvention will be available for a maximum period of 7 years.
  • In case of loans beyond Rs.2 Cr, then interest subvention will be limited up to Rs.2 Cr.

Security documents

  • Appropriate DPN note, Term loan agreement ,General Term loan agreement ,Letter of continuity, Letter of general lien and setoff , CIBIL undertaking , third party guarantee , letter of undertaking not to alienate hypothecated goods , Mortgage deed and any other document stipulated in sanction.

Rate of Interest - Please click here to know our latest interest rates

Conditions apply.

For more details please contact our nearest branch