Making A Difference To The Farm

Sector, The Sbi Way

AGRI BUSINESS
STATE BANK OF INDIA
Rural Financial inputs

Delivery Models

and Linkages
• Agriculture operations
- Production credit (Crop loans)
Traditional
- Investment credit Rural Financial
(Term Loans)
- Insurance
Requirements
• Agriculture based
processing industry –
investment and working
capital loans
• Non-farm enterprise and
trade – investment loans,
short-term working capital
loans
• Consumer credit
- Contingency
- Household
• Housing, etc
 New Product Lines and Delivery
Models
Focus On Total Solutions
Supply Chain Financing
Contract Farming
Rural Infrastructure
– state of the art godowns, cold
chains, Milk processing plants,
Post Harvest Processing

Micro finance
Commodity exchanges - derivatives,
Warehouse receipts loans
Insurance – Health / Crop / Weather
Development of AEZs
Technology Missions, Bio-diesel
crops,etc

Greenhouse
 Traditional Delivery Channels

MONEY LENDERS/TRADERS CLIENTS

MEMBERSHIP-BASED ORGANIZATIONS CLIENTS

(Self Help Groups, Co-ops, Chit Funds)

MFIs and NGOs CLIENTS

COMMERCIAL BANKS CLIENTS

Multi-Partner Delivery Models
Agro-processors

Input Suppliers

Contract Farming
Companies

Marketing Companies

BANK Co-op Banks Customers

Warehouse Operators

Supermarket Chains

Rural Malls

MFIs

NGOs
 Alternative delivery
channels

Using point of sales/ sourcing

terminals to provide banking
services

MFIs moving into Rural Finance

Production Credit through Input

Suppliers, Processors, and
Buyers

Membership-based Financial
Organizations – SHGs Microsprinkler

microsprinkler
 SBI – Our domestic network

Rural Semi-Urban
44% 27%

Metro Urban
12% 17%

Highest number of branches

in rural and semi-urban areas
 State Bank of India – A Financial Powerhouse

Loans to Priority
Sector Rs 63000 Cr
Contract Farming
Value Chain
Arrangements
Financing

Partnership
Alliances with Corporates
for Credit Delivery
State Bank of India With Multi Commodity
Exchange

ATM enabled Warehouse

Kisan Credit Cards Receipt Loans

4 lac SHGs Credit Linked

 NEW MILESTONES IN
MICRO FINANCE

•SAHAYOG NIVAS – HOUSING

LOAN PRODUCT

•“SHAKTI” LIFE INSURANCE

PRODUCT

•SHG CREDIT CARD AND SHG

GOLD CARD

PARTNERSHIP WITH NGO/MFIs

 Capacity Creation

Rudseti type institutes

Samanwita – organisation
promoted for tribal welfare

Special Efforts
Technology Seaweed cultivation –SHG

ATM enabled Passion fruit Project –Nagaland

Kisan Credit Card Loans to Village Dev Boards
L3 Farmers Project Tamilnadu