data/finance.json

[
  {"id": "kcc-credit", "name": "Kisan Credit Card (KCC)",
   "provider": "All banks (RBI / NABARD scheme)", "category": "Crop loan / working capital",
   "summary": "A revolving credit limit for crop production and allied needs, with a concessional interest rate. The base rate of 7% drops to an effective 4% on prompt repayment (2% interest subvention + 3% prompt-repayment incentive) for limits up to Rs 3 lakh.",
   "interest": "7% base; effective 4% with interest subvention + prompt-repayment incentive (up to Rs 3 lakh).",
   "loan_amount": "Based on scale of finance x cropped area; collateral-free up to Rs 1.6 lakh (Rs 2 lakh in many cases).",
   "tenure": "Revolving; crop-cycle based with annual review (typically up to 5 years validity).",
   "benefits": "Low-cost working capital, flexible draw/repay, also covers post-harvest and consumption needs; KCC also extended to animal husbandry and fisheries.",
   "eligibility": "Owner cultivators, tenant farmers, oral lessees, sharecroppers, SHGs and JLGs.",
   "application_process": [
     "Approach any bank branch, or apply via the KCC link on pmkisan.gov.in (for PM-KISAN beneficiaries) or the Jan Samarth portal.",
     "Submit ID/address proof and land/cultivation records.",
     "The bank fixes the credit limit using the district scale of finance.",
     "Sign the agreement and operate the limit via the KCC/RuPay card or passbook."],
   "documents": ["ID & address proof", "Land records / cultivation proof", "Passport photo", "PM-KISAN details (if any)"],
   "portal": "https://www.jansamarth.in", "helpline": "1800-180-1551 (Kisan Call Centre)",
   "source": "RBI / NABARD"},

  {"id": "crop-loan", "name": "Short-term Crop / Production Loan",
   "provider": "Commercial, cooperative & regional rural banks", "category": "Crop loan / working capital",
   "summary": "Seasonal agricultural operations (SAO) loan to meet the cost of cultivation - seed, fertilizer, labour and other inputs - usually delivered through the KCC route at the concessional crop-loan interest rate.",
   "interest": "Concessional crop-loan rate (same interest-subvention benefit as KCC up to Rs 3 lakh).",
   "loan_amount": "As per the crop and the district scale of finance per acre/hectare.",
   "tenure": "One crop season; repayable after harvest/marketing.",
   "benefits": "Timely input finance at a low effective rate; no separate collateral up to the prescribed limit.",
   "eligibility": "Farmers cultivating notified crops (owner or tenant).",
   "application_process": [
     "Visit your bank branch with land and crop details.",
     "Bank computes the limit from the scale of finance.",
     "Disburse against the crop plan; repay after harvest."],
   "documents": ["Land records", "ID/address proof", "Bank account", "Crop/sowing details"],
   "portal": "https://www.jansamarth.in", "helpline": "1800-180-1551",
   "source": "RBI priority-sector lending"},

  {"id": "agri-term-loan", "name": "Agriculture Term Loan (farm development)",
   "provider": "Commercial & cooperative banks (NABARD refinance)", "category": "Term loan / investment credit",
   "summary": "Medium/long-term investment credit for on-farm development - land levelling, wells/borewells, pump sets, fencing, orchard establishment, drip/sprinkler and other durable farm assets.",
   "interest": "Bank's agri term-loan rate (varies by bank, tenure and amount).",
   "loan_amount": "Project-based, with margin money; backed by NABARD refinance for many activities.",
   "tenure": "3-9 years (up to 15 for plantation/horticulture), with a gestation/moratorium period.",
   "benefits": "Creates durable productive assets; repayment aligned to income generation; some activities carry capital subsidy.",
   "eligibility": "Farmers with a viable investment proposal and adequate repaying capacity.",
   "application_process": [
     "Prepare a simple project/unit cost estimate (the bank or KVK can help).",
     "Apply at your bank branch with land and project details.",
     "Bank appraises techno-economic viability and sanctions with a repayment schedule.",
     "Avail in stages against asset creation."],
   "documents": ["Land records", "Project/cost estimate", "Quotations", "ID/address & bank details"],
   "portal": "https://www.nabard.org", "helpline": "1800-180-1551",
   "source": "NABARD investment credit"},

  {"id": "farm-mechanization-loan", "name": "Tractor & Farm Machinery Loan",
   "provider": "Commercial & cooperative banks", "category": "Farm mechanization",
   "summary": "Hire-purchase/term finance to buy tractors, power tillers, harvesters and implements; can be combined with the SMAM machinery subsidy and Custom Hiring Centre support.",
   "interest": "Bank's vehicle/agri-machinery term-loan rate.",
   "loan_amount": "Typically up to 85-90% of the asset cost (margin 10-15%).",
   "tenure": "Usually 5-7 years with half-yearly/annual instalments.",
   "benefits": "Mechanization access for small farmers; stackable with SMAM subsidy; the asset is the primary security.",
   "eligibility": "Farmers with sufficient landholding/usage and repaying capacity (norms vary by bank).",
   "application_process": [
     "Get a dealer quotation for the machine.",
     "Apply at the bank with land records and the quotation.",
     "Bank sanctions on viability; subsidy (if any) is adjusted after purchase.",
     "Take delivery and repay per schedule."],
   "documents": ["Dealer quotation/proforma invoice", "Land records", "ID/address proof", "Bank account"],
   "portal": "https://agrimachinery.nic.in", "helpline": "1800-180-1551",
   "source": "Bank agri-machinery finance"},

  {"id": "dairy-ah-loan", "name": "Dairy & Animal Husbandry / Fisheries Loan",
   "provider": "Banks (NABARD / AHIDF linkage)", "category": "Allied activities",
   "summary": "Working capital and term finance for dairy animals, poultry, goatery, piggery, fodder and fisheries; a dedicated Animal Husbandry & Fisheries KCC provides short-term working capital for allied activities.",
   "interest": "KCC concessional rate for working capital; term-loan rate for assets.",
   "loan_amount": "Unit-cost based (e.g. per milch animal); collateral-free up to the prescribed KCC limit.",
   "tenure": "Revolving (AH-KCC) for working capital; 3-7 years for asset term loans.",
   "benefits": "Diversifies farm income; interest subvention extended to AH & fisheries KCC; AHIDF gives interest subvention for enterprise units.",
   "eligibility": "Farmers, dairy/poultry/fish farmers, SHGs and entrepreneurs in allied activities.",
   "application_process": [
     "Identify the activity/unit and get a unit-cost estimate.",
     "Apply at the bank (or via the AHIDF portal for enterprise projects).",
     "Bank sanctions working-capital (KCC) and/or term loan.",
     "Operate and repay per the activity's cash flow."],
   "documents": ["ID/address proof", "Activity/unit details", "Land or shed details (if any)", "Bank account"],
   "portal": "https://ahidf.udyamimitra.in", "helpline": "1800-180-1551",
   "source": "NABARD / Dept. of Animal Husbandry & Dairying"},

  {"id": "agri-gold-loan", "name": "Agriculture Gold / Jewel Loan",
   "provider": "Commercial & cooperative banks", "category": "Gold loan",
   "summary": "Quick crop loan against pledged gold jewellery at the concessional agricultural interest rate - useful when land documents are unavailable or for fast disbursal during the season.",
   "interest": "Agri crop-loan concessional rate (lower than a regular gold loan).",
   "loan_amount": "Based on the value/weight of pledged gold (loan-to-value as per RBI norms).",
   "tenure": "Crop-season/short term, renewable.",
   "benefits": "Fast, minimal-documentation finance at the agri rate; no land collateral needed.",
   "eligibility": "Farmers using the loan for agricultural purposes (a declaration/land proof is usually required).",
   "application_process": [
     "Bring gold jewellery and an agricultural-purpose declaration to the bank.",
     "Bank appraises the gold and sanctions on the spot/quickly.",
     "Repay within the season to retain the agri concessional rate."],
   "documents": ["Gold jewellery", "ID/address proof", "Agricultural land proof / declaration"],
   "portal": "", "helpline": "1800-180-1551",
   "source": "Bank agri gold-loan products"},

  {"id": "warehouse-receipt-loan", "name": "Produce Pledge / Warehouse Receipt Finance",
   "provider": "Banks (against e-NWR)", "category": "Crop loan / working capital",
   "summary": "Post-harvest finance against produce stored in an accredited warehouse, using a (negotiable) warehouse receipt - lets farmers avoid distress sales and sell when prices improve.",
   "interest": "Post-harvest loans up to 6 months get the same interest subvention as crop loans (for KCC holders, up to Rs 3 lakh).",
   "loan_amount": "Up to a percentage of the value of stored, graded produce.",
   "tenure": "Up to ~6-12 months (until sale).",
   "benefits": "Holds produce for better prices; low-cost post-harvest liquidity; reduces distress selling.",
   "eligibility": "Farmers storing notified produce in a WDRA-accredited warehouse.",
   "application_process": [
     "Store graded produce in an accredited warehouse and obtain the (electronic) warehouse receipt (e-NWR).",
     "Apply to the bank with the e-NWR for a pledge loan.",
     "Bank disburses against the receipt; repay on sale and take delivery."],
   "documents": ["Warehouse receipt (e-NWR)", "ID/address proof", "Bank account"],
   "portal": "https://wdra.gov.in", "helpline": "1800-180-1551",
   "source": "WDRA / RBI"},

  {"id": "fpo-credit", "name": "FPO Credit & Credit Guarantee",
   "provider": "Banks (SFAC / NABARD credit guarantee)", "category": "FPO & SHG finance",
   "summary": "Working capital and term finance for Farmer Producer Organisations for input aggregation, custom hiring, processing and marketing, backed by a credit-guarantee cover that reduces collateral requirements.",
   "interest": "Bank lending rate; the AIF route adds a 3% interest subvention for eligible projects.",
   "loan_amount": "Project/turnover based, with credit-guarantee cover up to the scheme ceiling.",
   "tenure": "Working capital (1 year, renewable) and term loans (per project).",
   "benefits": "Collateral relief via guarantee; scale benefits for member farmers; eligible for AIF subvention.",
   "eligibility": "Registered FPOs/FPCs meeting the lender's and guarantee scheme's norms.",
   "application_process": [
     "Prepare a business plan and FPO financials.",
     "Apply to the bank (and for AIF subvention on agriinfra.dac.gov.in if applicable).",
     "Bank appraises and sanctions with credit-guarantee cover.",
     "Draw and use for the approved activities."],
   "documents": ["FPO registration & bye-laws", "Audited financials/business plan", "Board resolution", "Bank account"],
   "portal": "https://sfacindia.com", "helpline": "1800-180-1551",
   "source": "SFAC / NABARD"},

  {"id": "shg-bank-linkage", "name": "SHG-Bank Linkage / Joint Liability Group Loan",
   "provider": "Banks (NABARD SHG-BLP)", "category": "FPO & SHG finance",
   "summary": "Credit to Self-Help Groups and Joint Liability Groups of small/tenant farmers on the strength of group savings and joint liability - financial inclusion without individual collateral.",
   "interest": "Bank's SHG lending rate; many states add an interest-subvention top-up.",
   "loan_amount": "A multiple of the group's savings/corpus, rising over cycles.",
   "tenure": "Cash-credit/term, renewed each cycle.",
   "benefits": "Collateral-free group credit; builds credit history; suits landless/tenant farmers.",
   "eligibility": "Functioning SHGs/JLGs with regular savings and group discipline.",
   "application_process": [
     "Form/strengthen the group and maintain regular savings and meetings.",
     "Open a group bank account and build a track record.",
     "Apply for the group loan; bank assesses group grading.",
     "On-lend internally and repay collectively."],
   "documents": ["Group registration/records", "Savings passbook", "Members' KYC", "Group resolution"],
   "portal": "https://www.nabard.org", "helpline": "1800-180-1551",
   "source": "NABARD SHG-Bank Linkage Programme"},

  {"id": "agri-infra-loan", "name": "Agriculture Infrastructure Fund (AIF) Financing",
   "provider": "Banks / NBFCs (AIF)", "category": "Infrastructure",
   "summary": "Medium/long-term debt for post-harvest infrastructure and community farming assets - warehouses, cold chains, grading/sorting units, primary processing - with a 3% interest subvention and credit-guarantee support.",
   "interest": "3% interest subvention (up to a loan ceiling) over the bank rate, for up to 7 years.",
   "loan_amount": "Project-based; subvention on loans up to the scheme ceiling per project.",
   "tenure": "Up to 7 years subvention; moratorium 6-24 months.",
   "benefits": "Cheaper long-term capital for agri infrastructure; credit-guarantee cover for eligible borrowers.",
   "eligibility": "Farmers, FPOs, PACS, agri-entrepreneurs, startups and others with eligible projects.",
   "application_process": [
     "Register the project on the AIF portal (agriinfra.dac.gov.in).",
     "The application is routed to a lending bank for appraisal.",
     "On sanction, avail the loan with the interest subvention applied.",
     "Implement and operate the asset."],
   "documents": ["Project report", "Entity/ID documents", "Land/site papers", "Bank details"],
   "portal": "https://agriinfra.dac.gov.in", "helpline": "1800-180-1551",
   "source": "Ministry of Agriculture & Farmers Welfare"},

  {"id": "solar-pump-loan", "name": "Solar Pump (PM-KUSUM) Financing",
   "provider": "Banks (NABARD refinance)", "category": "Renewable energy",
   "summary": "Term finance for the farmer's share of a solar irrigation pump under PM-KUSUM, where central + state subsidy covers a large part of the cost and the bank funds the balance.",
   "interest": "Bank's agri term-loan rate on the farmer's share.",
   "loan_amount": "Farmer share after subsidy (often the remaining ~30-40% of system cost).",
   "tenure": "About 5 years term loan.",
   "benefits": "Cuts diesel/power costs and gives reliable day-time irrigation; large upfront subsidy reduces the loan.",
   "eligibility": "Farmers sanctioned a pump under the state's PM-KUSUM allocation.",
   "application_process": [
     "Apply for a solar pump on your state's PM-KUSUM portal and get the sanction.",
     "Approach the bank to finance the farmer's share.",
     "Empanelled vendor installs the system; subsidy is adjusted.",
     "Repay the term loan."],
   "documents": ["PM-KUSUM sanction", "Land records", "ID/address proof", "Bank account"],
   "portal": "https://pmkusum.mnre.gov.in", "helpline": "1800-180-3333",
   "source": "MNRE / NABARD"},

  {"id": "horticulture-loan", "name": "Plantation & Horticulture Development Loan",
   "provider": "Banks (NABARD / MIDH linkage)", "category": "Term loan / investment credit",
   "summary": "Long-tenure investment credit to establish orchards, plantations and protected cultivation (poly-houses, shade-nets), with a long gestation/moratorium aligned to when the crop starts yielding; often combined with MIDH subsidy.",
   "interest": "Bank's agri term-loan rate.",
   "loan_amount": "Per-hectare unit cost based; can be stacked with MIDH capital subsidy.",
   "tenure": "Up to 15 years with a gestation/moratorium until bearing.",
   "benefits": "Funds high-value perennial crops; repayment starts after the crop yields; MIDH subsidy lowers the effective cost.",
   "eligibility": "Farmers establishing notified horticulture/plantation crops with suitable land.",
   "application_process": [
     "Plan the orchard/protected-cultivation unit (KVK/Horticulture Dept can help).",
     "Apply at the bank with the unit cost and land details (and for MIDH subsidy in parallel).",
     "Bank sanctions with a gestation period.",
     "Establish in phases and repay after bearing."],
   "documents": ["Land records", "Unit-cost/project estimate", "ID/address proof", "Bank account"],
   "portal": "https://midh.gov.in", "helpline": "1800-180-1551",
   "source": "NABARD / MIDH"}
]