Loan facility under this scheme for tourism-related service industries like homestays, hotels, bed & breakfast (B&B) setups, etc. Term Loan Individual Limit: Rs. 60.00 Lakhs. Tenure: 3 to 15 years (Repayment via Equated Monthly Installments - EMI). Security/Collateral: Immovable property.

Short-term loans up to 1 year of Rs. 10,000/- to fishermen for the purchase and repair of boats, nets, and other fishing equipment. Short-term loans up to 1 year with a limit of Rs. 1.00 Lakh for repairing mechanized boats and purchasing fishing equipment. Loans under the government-sponsored 50% subsidy scheme. Loans up to 75% of the project cost for building/purchasing mechanized boats, with a tenure of 5 to 10 years. Cash credit loans are provided to fishermen's cooperative societies for the purchase and sale of diesel. Security/Collateral: The mechanized boat purchased/constructed through the loan and immovable property. Tenure: 5 to 10 years. Freshwater/Brackish Water Prawn & Fish Farming: Loans up to 75% of the project cost.

Short-term loans provided through various Primary Agricultural Credit Co-operative Societies (PACS) in the district under the Kisan Credit Card (KCC) scheme in both cash and kind (fertilizers, seeds, etc.) for traditional and modern cultivation during Kharif and Rabi seasons.

1-year tenure loans for Kisan Credit Card (KCC) holders. Loan Scale (Based on the number of trees): Mango Crop: Rs. 2,25,000/- per 100 trees Cashew Crop: Rs. 1,65,000/- per 200 trees Coconut Crop: Rs. 1,20,000/- per 175 trees Arecanut Crop: Rs. 75,000/- per 1358 trees Security/Collateral: Immovable property.

Loan Scale: Aligned with NABARD unit cost metrics. Unit Formats: Goat units structured as 5+1 / 10+1 / 20+1 / 50+2 (Goats + Bucks). Project Cost for Local Breed: Rs. 6,000/- per goat and Rs. 8,000/- per buck. Project Cost for Osmanabadi Breed: Rs. 8,000/- per goat and Rs. 10,000/- per buck. Tenure: 7 Years. Security/Collateral: Two eligible guarantors and immovable property.

Loan Scale: Financing structured according to NABARD unit cost models. Project Types & Limits: Poultry (1000 Birds) Layer Farming: Rs. 8,72,150/- Poultry (5000 Birds) Broiler Farming (Contract Farming): Rs. 12,07,635/- Poultry (5000 Birds) Broiler Farming: Rs. 18,91,116/- Tenure: 7 Years. Security/Collateral: Two eligible guarantors and immovable property.

Loan Scale: Financing provided in accordance with NABARD unit cost guidelines. Loan Limit: Up to Rs. 80,000/- financial assistance per Murrah/Mehsana buffalo. Tenure: 5 Years. Security/Collateral: Two solvent/eligible guarantors and immovable property. Special Condition: Project-based financing is also available for units of 5 and 10 animals.

Under this scheme, credit limits are made available to meet working capital requirements for agriculture, fisheries, and animal husbandry sectors. Features & Interest Subvention: For agricultural purposes integrated with fishing/livestock, credit up to Rs. 3,00,000/- is extended at a 6% interest rate. For standalone fisheries or animal husbandry activities, credit up to Rs. 2,00,000/- is provided at a 7% interest rate. Members who successfully repay the principal amount along with interest within the prescribed timelines receive the charged interest back via interest subvention schemes sponsored by the Central and State Governments. Golden Opportunity Highlight: Repay crop loans timely and avail of a 0% effective interest rate on loans up to Rs. 3,00,000/-.

Project-based financial assistance for developing nurseries of Alphonso mango grafts, cashew grafts, chickoo grafts, etc. Tenure: 18 to 42 Months. Security/Collateral: Immovable property.

• Loan Scale: Provided according to NABARD unit cost guidelines.

• Capacity & Limits: 2-bullock capacity at Rs. 20,000/-; 5-quintal capacity cart at Rs. 16,000/-.

• Tenure: 7 Years.

• Security/Collateral: Two solvent guarantors and immovable property.

Purpose: Construction of a new house, purchase of a flat, house repairs, or purchase of an old house/flat (loan facility available for constructions under 15 years old). Loan Limit: For salaried individuals, the personal loan limit is Rs. 75.00 Lakhs (directly provided in a 90:10 ratio of the estimate). Up to Rs. 5.00 Lakhs for house repairs. Tenure: Maximum 240 months (repayment via Equated Monthly Installments - EMI). For house repairs, the tenure is 60 months. Security/Collateral: Flat / House (the property generated from the loan will be included as collateral).

Eligibility: Vehicle purchase loan facility for personal use available to doctors, lawyers, engineers, entrepreneurs, businessmen, salaried employees, and affluent farmers. Loan Margin: 90% of the vehicle's quotation value. Tenure: 36 to 84 months. Security/Collateral: The vehicle purchased using the loan.

Domestic Education: 85% of educational expenses with a maximum loan limit of Rs. 15.00 Lakhs. Overseas Education: 85% of educational expenses with a maximum loan limit of Rs. 30.00 Lakhs. Loan Duration: Maximum 10 years, including the educational course period. Repayment Tenure: Repayment starts 1 year after completion of education, via 60 Equated Monthly Installments (EMI). Security/Collateral: Immovable property.

Individual Loan Limit: Rs. 20,00,000/- Loan Tenure: 1 Year Features: Affordable interest rates and guaranteed complete security of the mortgaged gold ornaments.

Loan Type: Medium Term Non-Agricultural (Direct Loan only). Loan Repayment Period: Total repayment period of 7 years, including a 6-month moratorium/grace period. Bank Margin: Up to 75% of the project cost. Loan Limit: Maximum Rs. 40.00 Lakhs.

Providing financial assistance in the form of Cash Credit to wholesalers, traders, and contractors, keeping in mind their business turnover and production cycles. Eligibility: Must be a permanent resident of the district. Margin: 40% margin on the value of the closing stock. Tenure: 1 year. Security/Collateral: Immovable property.

To boost the milk processing industry based on the milk collected in the district and to promote entrepreneurship among local youth, the bank has implemented the 'Dugdha Samriddhi' loan scheme under its small-scale industry lending policy. Under this scheme, loans are distributed for the institution's own projects or to its members through the institution to start milk processing units. Interest Rate: 7% for institutions and 9% for direct members.

Eligibility: Permanent employees of Government and Semi-Government organizations in the district, Konkan Railway employees whose salaries are routed through this bank, and permanent employees of reputed companies. The loan is granted up to a limit where total deductions do not exceed 60% of the salary as per the Minimum Wages Act. Tenure: Maximum 10 years or up to 3 months prior to the retirement date of the borrower/guarantor, whichever is shorter. Repayment is via Equated Monthly Installments (EMI). Security/Collateral: Salaries of the borrower and guarantors. Special Conditions for Anganwadi Workers (Sevika) and Helpers (Madatnis): 1. Salaries of the loan applicant and both guarantors must be credited to this bank. 2. The age up to 60 years will be considered for the loan repayment period. 3. The loan applicant must have completed at least 5 years of service. 4. Considering all types of deductions from the monthly salary, within the 60% deduction limit under the Minimum Wages Act, a maximum loan of Rs. 3.00 Lakhs for Anganwadi Workers and Rs. 1.50 Lakhs for Anganwadi Helpers will be sanctioned. 5. Loans will be sanctioned for a maximum tenure of 7 years, considering the remaining service period of the applicant and both guarantors.

Loan facility provided for domestic or international tours based on packages announced by various tour companies. Available to employees of government offices and reputed companies based on their monthly salary. Loan Limit: Up to Rs. 2,00,000/-. Tenure: 24 months. Interest Rate: 11%

Eligibility: Legally qualified agricultural and non-agricultural businesses. Maximum Project Cost Limit: Up to Rs. 40.00 Lakhs for service and agro-allied industries, and up to Rs. 100.00 Lakhs for manufacturing sector projects. Bank Loan Margin: 90% to 95% of the project cost. Margin Money (Government Subsidy): 15% to 35%. Tenure: 3 to 7 Years (Repayment via Equated Monthly Installments - EMI).