8/13/2019 Change Interest Rates Revision

1/1

DETAILS OF RATES OF INTEREST CHARGED BY NABARD ON ITS PRODUCTS

S.No. Particulars Rate of interest (%)

1 Short Term refinance assistance:a. State Cooperative Banks for financing crop loans 4.50

b. RRBs for financing crop loans 4.50

c. DCCBs directly financing for crop loans 4.50

d. Commercial Banks./RRBs in respect of their finance to PACS towards crop loans 4.50

e. 10.50 (minimum)

10.50 (minimum)

f. 10.50 (minimum)

g. 10.50 (minimum)

h. 7.35

2 Long Term refinance assistance:

a. Commercial Banks/ RRBs/ StCBs / PUCBs

- Refinance for 5 years 9.70

- Refinance for 3 years & below 5 years 9.90

- For single drawal of Rs. 500 crore and above 10 bps less than the above rates

SCARDBs

(i) Low Risk SCARDBs 9.90

For single drawal of Rs. 200 crore and above 10 bps less than the above rate

(ii) Moderate Risk SCARDBs 10.40

10.80

ADFC / NABFINS 9.70

NBFCs

b.

Commercial Banks / RRBs

- Refinance for 5 years 9.70

- Refinance for 3 years & below 5 years 9.90

c. Cofinance - Financing projects alongwith other banks

3 Direct financial assistance:

(i) For Rural Infrastructure:

a. Under Rural Infrastructure Development Fund (RIDF) :

b.

c.

d.

e. - Direct loans to StCBs/DCCBs for Short Term multipurpose credit product 10.00

For single drawal of Rs. 50 crore and above 10 bps less than the above rates

f. - Short Term loans to Federations

(ii) Natural Resource Management:

Umbrella Programme for Natural Resources Management (UPNRM)

- Loan to Channel Partners(CPs) for onlending

- Loan to Corporates 11-12

- Project finance/bulk finance - Loan to State Govt 10.00

- Refinance to banks 10.00

- Cofinance

i. State Coop. Banks for financing State Handloom Development Corporations, PrimaryWeavers Coop. Societies for production and marketing activities

ii. State Coop. Banks for financing Apex/regional Weavers Coop. Societies for procurementand marketing operations and for trading in yarn

Commercial Banks for financing Primary Weavers Coop. Societies, State HandloomDevelopment Corporations for production and marketing activities

StCBs/RRBs for financing marketing of crops, pisciculture and certain approved purposesother than crop loans/ST(others)

StCBs/RRBs - Conversion of Short Term- crop loans into Medium Term loans (3% less thanthe interest rate charged by banks to ultimate beneficiaries subject to minimum interest rate at7.35%)

(iii) High Risk SCARDBs (withrating score of 30 and above; rating score of less than 30 not eligible for refinance)

Quantum and interest rate to be decidedon case by case basis (minimum10.10)

Refinance to Banks on loans to MFIs for onlending to clients will be at 3% less than theinterest rate charged by banks subject to a minimum interest rate as indicated below:

To align with partner bank(minimum 10.50)

To State Govts.(incl. financing to State owned entities) for various activities under

agriculture, including storage infrastructure for agricultural commodities (like warehouses,silos, cold storage, etc.), rural connectivity and social sector

As per RBI guidelines, present rate is :

7.50 (w.e.f. 28.01.2014)

NABARD Infrastructure Development Assistance (NIDA) Long Term loans to Central/ StateGovt. owned Corporations for creating infrastructure

To be decided on case to case basis(minimum 10.50)

- Direct loans to Producer Organisations for production, aggregation, marketing, etc., ofagriculture produce

To be decided on case to case basis(minimum 10.50)

- Support under PODF to PACS (through StCB/DCCB)as MSCs To be decided on case to case basis(minimum 10.00 for PACS as MSCs).(Interest margin at 0.50% an incentive inthe form of assistance under PODF toPACS for prompt repayment standswithdrawn.)

To be decided on case to case basis(minimum 10.50)

To be decided on case to case basis(minimum 10.00)

- Projects implemented directly (without onlending to participants) - Loan to ProducerOrganisations

To be decided on case to case basis(minimum 10.00)

To align with partner bank(minimum 10.00)