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8 articles
11 minThe SHG Bank Linkage Programme is how a village savings group becomes a bank borrower. NABARD started it in 1992-93 with a pilot of around 500 groups, and it is now the largest programme of its kind in the world. There are two linkages, not one. Savings linkage is opening the group's bank account, a
10 minNeither is better. They solve different problems. An SHG solves your credit problem: ten to twenty members, savings first, collateral-free loans up to Rs 20 lakh, no registration needed. An FPO solves your price problem: at least 300 farmers, registered as a company or cooperative, buying inputs and
11 minYes, an SHG loan can be used for farming. RBI classifies SHG loans taken for crop and allied purposes under agriculture for priority sector lending, treating the group as a set of individual farmers and applying the limits per member. The catch is repayment timing. Most SHG credit is structured as a
11 minThe bank does not lend to you. It lends to your group, and your group lends to you. No land papers are needed, because the group's savings record and repayment discipline are the security. A women's SHG can borrow up to Rs 20 lakh without collateral, and up to Rs 10 lakh with no collateral and no ma
8 minCheck the status before you plan. The Stand-Up India scheme period ran to 31 March 2025. On 16 March 2026 the Finance Minister told the Lok Sabha that the scheme came to an end in March last year and is being redrafted to give more benefits, with no launch date announced for the new version. Many we
11 minPMEGP will not fund cultivation. Growing a crop, running a plantation, horticulture and floriculture are all on the negative list. What PMEGP does fund is what happens around and after cultivation: value addition, off-farm and farm-linked activities, and specifically dairy, poultry, aquaculture and
10 minCGTMSE is not for farming. It is for enterprises. If you grow a crop or rear animals, that activity does not qualify. If you process, grade, pack, mill or provide a service to farms, and you are registered on Udyam as a micro or small enterprise, then your unit can get a CGTMSE-backed loan without c
11 minA credit guarantee does not give your FPO money. It gives your bank a safety net, so the bank can lend to your FPO without asking for land or building as security. Under the 10,000 FPO scheme, an FPO can get a project loan of up to Rs 2 crore covered by a guarantee. Loans up to Rs 1 crore get 85 per
