Balaram Yojana Form Download – Apply, Full Details

Balaram Yojana Form Download – Apply, Full Details |GOVT OF ODISHA

Scheme for financing Joint Liability Groups / Share croppers – “Bhoomihina
Agriculturist Loan & Resources Augmentation Model (BALARAM)”

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Apply – Balaram Yojana Online Registration Odisha |ବଳରାମ ଯୋଜନା ଓଡ଼ିଶା | To augment flow of credit to farmers cultivating land as share croppers a
scheme ‘BALARAM (Bhoomihina Agriculturist Loan And Resources
Augmentation Model) has been formulated in association with NABARD. The target of the scheme is to form 1 lakh Joint Liability Groups covering at least 5 lakh farmers mainly from among those who are share croppers using ATMA (Agricultural Technology Management Agency) platform of the Department of Agriculture & Farmers’ Empowerment, Govt. of Odisha.

Key Features-
To facilitate crop loan financing to share croppers in a more focused manner the scheme envisages to use the structured platform of Agricultural Technology Management Agency (ATMA) for programme implementation. The salient features of the scheme are:

  1. The farmers practising cultivation shall be the target group of crop loan financing in JLG mode
  2. Crop Loans amounting to a maximum of Rs 1.60 lakh per group ( as per RBI norms) shall be financed by the banks.
  3. The eligibility of group financing shall depend upon the CIBIL (Credit
    Information Bureau of India Ltd) score of individual farmers and other banking regulations.
  4. The Krushak Sathis who are local progressive farmers shall play the prime role of motivator in JLG formation assist the members in the documentation, & liaise with the banks for crop loan financing.
  5. Krushak Sathis shall assess the credit needs of the farmers for farming
    activities in his/her Gram Panchayat and form a group of such farmers with minimum 5 farmers.
  6. The existing farmer data base containing information of the landless and small / marginal farmers shall be made available to Krushak Sathis so as to help them in identification of appropriate beneficiaries.
  7. Capacity building of officials involved at various levels shall be taken up by the NABARD.
  8. Banks will have specific targets for financing of crop loans to JLG.
  9. The VAW/AO will issue the Certificate of Cultivation (CoC) to the share
    croppers in the prescribed format based on field verification (Annexure I).
  10. After harvest & sale of produce in procurement centre of market yard, the Krushak Sathi will guide the farmers in timely repayment of loan.
  11. Technological interventions like a dedicated portal with access to all
    stakeholders and real time monitoring of crop condition through Mobile App & remote Sensing Technology shall be developed and used.
  12. Incentives @Rs 2000/- per JLG shall be provided to Krushak Sathi in 3
    tranches by NABARD i.e. Rs 1000/- on formation of the group & financing by banks; Rs 500/- on repayment of loan by the JLG and finally Rs 500/- on refinancing.
  13. Institute on Management of Agricultural Extension (IMAGE) shall be the State Nodal Agency for programme implementation.
  14. Mid-term evaluation of the programme shall be taken up for course

Balaram Yojana Apply Process , Odisha Balaram Yojana 2020 ,
Balaram Yojana Registration 2020 | [Apply Online] Odisha Balaram Yojana 2020 , [From] Balaram Yojana Odisha|Online Registration,
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