REPORT

SUBMITTED BY:- arvind kumar- b1f , Roll-19 : ankit raj,b1f, roll -04

SUBMITTED TO:- Prof. Amol charegaonkar

ASSETS
LOANS:I. BOI STAR HOME LOAN II. BOI STAR DIAMOND HOME LOAN III. BOI STAR LOAN AGAINST PROPERTY IV. BOI STAR EDUCATION LOAN V. BOI STAR VIDYA LOAN VI. BANK OF INDIA STAR VECHILE LOAN VII. BOI STAR PERSONAL LOAN VIII. BOI STAR PENSIONER LOAN IX. BOI STAR HOLIDAY LOAN X. BOI STAR MAHILA GOLD LOAN XI. BOI STAR MITRA PERSONAL LOAN XII. BOI STAR IPO XIII. BOI STAR LOAN SCHEME FOR VOCATIONAL STUDIES.

LIABLITIES
SAVING ACCOUNT:I. BOI SALARY PLUS ACCOUNT SCHEME II. STAR SURAKSHA SB PLUS ACCOUNT III. SAVINGS BANK ORDINARY ACCOUNT IV. BASIC SAVINGS ACCOUNT V. BOI SAVING PLUS SCHEME VI. BOI SUPER SAVING PLUS VII. STAR DIAMOND SAVINGS SCHEME VIII. JAI JAWAN SALARY PLUS ACCOUNT IX. STAR POWER SALARY ACCOUNT

CURRENT DEPOSITS:I. STAR BENEFITS CD ACCOUNTS II. NORMAL CURRENT DEPOSITS SCHEME III. CURRENT DEPOSITS PLUS ACCOUNTS IV. BOI SUPER CURRENT PLUS ACCOUNT V. STAR GOLD CURRENT VI. STAR DIAMOND CURRENT ACCOUNT VII. STAR DIAMOND PLUS ACCOUNT TERMS DEPOSITS:I. DOUBLE BENEFIT DEPOSIT II. FIXED DEPOSIT III. SHORT DEPOSIT IV. QUARTERLY DEPOSIT V. MONTHLY DEPOSIT VI. RECURRING DEPOSIT TAX SAVING:I. STAR SUNIDHI TAX DEPOSIT II. CAPITAL GAIN TAX SAVING SCHEME

Liablities
Savings account The salient features of the BOI Salary Plus Account Scheme:
BOI Salary Plus Account Scheme for Para Military Forces/Central/State Govt./PSU/Private Sector enterprises and employees of Universities, Colleges, Schools .

1. 2. 3. 4.

No minimum Balance requirement / Zero Balance Account Personal accident death insurance cover of Rs.2 Lac Free 100 cheque leaves in a calendar year Easy overdraft equal to 4 times of net monthly salary max. Rs. 2 Lac

New Savings Bank (STAR SURAKSHA SB PLUS ACCOUNT) BENEFITS ONLY TO NEW CUSTOMERS

1. Name of Scheme Star Suraksha SB Account 2. Eligible Individuals - Single Accounts, Joint Accounts ,except Minors, NRIs and accounts under Diamond Category 3. Initial and Min Deposit Rs.500/4. Interest Rate 4.00 % p.a, will be calculated on daily product basis from 03.05.2011 and will be credited twice in a year in Feb and August or at the time of closing A/c. 5. Charges of non-maintaining minimum balance Rs.20/- per month

Product available specially to BOI customers

Product available to BOI customers

BOI-National Swasthya Bima Policy floater medi claim policy of NICL available at low premium
Life Insurance and ULIP products of Star Union Dai-ichi Life Insurance Co.Ltd are also being distributed by us to our customers

Saving Banks
Name of Scheme Savings Bank A/c

1. Eligible Individual - Single Accounts, Two or more individuals in Joint Accounts , Illiterate Persons Blind persons, Minors, Associations, Clubs, Societies, etc. Trusts, Institutions/Agencies specifically permitted by the RBI 2. Initial Deposit Rs.500/- for Cheque book operated and 3. Rs.100/- for non cheque book a/cs, 4. For Pensioners Rs.100/- and Rs.10/- respectively for cheque book and non cheque book a/cs 5. Interest Rate 4.00 % p.a, will be calculated on daily product basis from 03.05.2011 and will be credited twice in a year in Feb and August or at the time of closing A/c.

BASIC SAVINGS A/C (No Frill)

FEATURES:

. 1. 2. 3. 4. 5. Firms / Joint accounts not eligible No third party withdrawals Nomination compulsory. Collection of cheques upto Rs. 5000/=into the account. Account can be converted into normal SB account by maintaining required minimum balance. 6. Branch Managers are delegated to issue one cheque book free to literate account holders.

BOI Savings Plus Scheme * (Deposit Product)

SALIENT FEATURES (Effective from 1-2-2007)

1. BOI Savings Plus is a mix of Savings Bank Account and Term Deposit Account. 2. Minimum balance in SB portion is Rs.25,000/- and minimum balance in Term Deposit Portion is Rs.5,000/-. 3. Any amount in excess of Rs.25,000/- in the SB portion will be auto swept out into the SDR or DBD portion in multiples of Rs.5,000/- on daily basis. 4. In the SDR portion, monies can be invested for any period from 15 days to 179 days, as per the customer's choice. In the DBD portion, monies can be invested from 6 months upto and including 10 years, as per the customer's choice.

5. Upon maturity, the principal in the SDR/DBD portion would be autorenewed for an equal period, while the interest would be credited to the SB portion on the concerned due date. The same, if not withdrawn can be 6. swept back again into SDR/DBD for a period of the customer's choice.

BOI Super Saving Plus

Name of Scheme Super Saving Plus 1. 2. 3. 4. 5. 6. 7. 8. 9. Eligible All those who can open SB A/c can open this a/cs Initial Deposits 20 lacs Minmum balance or Qr.Avg. balance 5 lacs qr. Avg. Sweep in (Transfer Back to SB/CD A/c from TDR)) Daily Sweep out(Transfer from SB/CD to TDR) 15 days Multiple Amount sweep out 15 lacs Period of Deposit Less than 6 months Interest Rate As applicable to deposit of Rs,15.00 lacs & above Charges of non-maintaining min. qr. Avg. balance 500/- per quarter

Star Diamond Savings Account

Bank of India offers you 'Star Diamond Banking'. An experience that opens the doors to a whole new world of privileged banking. One that's filled with unparalleled advantages. The Star Diamond Banking status could be the ace up your sleeve, making transactions hassle-free and banking that much simpler. So be a part of a new era in banking, one in which we can share an exclusive and cherished relationship. Presently available in all CBS branches

The Benefits*

FEATURES STAR DIAMOND SAVINGS ACCOUNT 1. Average Quarterly Balance in Savings A/c 1 lac and above 2. Air Accident Travel Insurance Upto Rs.5.00 lacs free

Jai Jawan Salary Plus Account for Defence personnel

All permanent employees of Defence forces i.e. Indian Army, Indian Air Force and Indian Navy and Coast Guard

Details

Commissioned Officers

NonCommissioned Officers: Personnel below the rank of commissioned officers

3 times of net salary Maximum Rs.1 Lac

Easy Over draft (on application)

4 times of net salary Maximum Rs.2 Lac

Cheques bounce protection for clearing cheques. Concession in margin In home, auto loans

Rs.50,000/- (Max.); 10% less than usual Norms (Loan To Value Should be max 90%)

Rs..25,000/- (Max.) 5% less than usual norms (Loan To Value Should be max 90%)

Star Power Salary Account

TERMS & CONDITIONS :

1. Salary Accounts may be opened for Firms/ Corporates/ Govt./ Semi-Govt. undertakings having minimum 25 employees. 2. The Institution should open its C/D A/c. with us, wherever possible. 3. Minimum net salary of any employee not to be less than Rs.10,000/- p.m.

Current deposits
Star Benefit Cd Plus Accounts

BENEFITS ONLY TO NEW ACCOUNTS OPENED FROM 7.9.10

1. 2. 3. 4.

Name of Scheme Star Benefit Cd Plus Accounts Min Deposits Rs.5000/Minimum balance charges Rs.100/- per month Incentives Three DD/PSI up to Rs.5 Lac each P.M. Free

Normal Current Deposit Scheme

Name of Scheme Current Account (normal)

Eligible

Individual - Single Accounts 1. Two or more individuals - Joint Accounts 2. Sole Proprietary Concerns 3. Partnership Firms 4. Illiterate Persons 5. Blind Persons 6. Minors 7. Limited Companies 8. Associations, Clubs, Societies, etc. 9. Trusts 10.Joint Hindu families (accounts of non-trading nature only) 11.Municipalities 12.Government and Quasi-Government Bodies 13.Panchayats 14.Religious Institutions 15.Educational Institutions (including Universities) 16.Charitable Institutions

Current Deposits Plus Scheme *

A deposit product combining Current & Short deposit account with sweep-in and sweep-out facility to take care of withdrawals, if any.
1. Minimum average quarterly balance of Rs.2,00,000/- in Current Deposit Account and Rs.75,000/- in Short Deposit Account to be maintained initially.

2. Amount in excess of Rs.2,00,000/- will be transferred to the Short Deposit portion in multiples of Rs.75,000/- for a minimum period of 15 days and maximum period of 91 days 3. To meet urgent requirement of funds in the Current Deposit Account portion, funds in multiples of Rs.75,000/- will be swept-in from Short Deposit portion on last-in first-out (LIFO) basis subject to availability of funds 4. Automatic renewal facility for original tenure and amount of deposit. 5. Interest will be payable on Short Deposit portion only as per maturity period.

Benefits to Customers :
Opportunity to earn higher interest on idle funds in Current Deposit Account in short deposit portion. Automatic renewal facility will take away the botheration for keeping track of various maturity dates. No loss of interest on account of before maturity penalties. For the period the Short Deposit has run the customer gets the applicable rate of interest. Facility to earmark amounts for specific purpose in BOI CURRENT DEPOSIT PLUS ACCOUNT. Opportunity to keep the funds liquid and at the same time earn attractive interest on it.

BOI Super Current Plus Account

Name of Scheme Super Current Plus
1. Initial Deposits 50 lacs 2. Minmum balance or 3. Qr.Avg. balance 35 lacs Quar. Avg. + 15 lacs TDR for 1 year

4. Multiple Amount sweep out 15 lacs 5. Period of Deposit 1 year 6. Interest Rate As applicable to deposit of Rs,15.00 lacs & above

Bank of India's Star Diamond & Star Gold Current Accounts.

Bank of India offers you 'Star Diamond Plus Banking', 'Star Diamond Banking' & 'Star Gold Banking'. An experience that opens the doors to a whole new world of privileged banking. One that's filled with unparalleled advantages.

The Benefits*
Bank of India's Star Diamond & Star Gold Current Accounts.

Bank of India offers you 'Star Diamond Plus Banking', Star Diamond Plus, & Star Gold Banking status could be the ace up your sleeve that's particularly beneficial in the high-powered business world, making your transactions hassle-free and trade that much simpler.. The Benefits* Tier Average quarterly Balance (Rs.) Free folios (p.a.) Free Cash withdrawal/Deposit from other Branch Gold 50,000 8 25000 Diamond 2,00,000 Unlimited 25000 Diamond Plus 5,00,000 Unlimited 50000

Free fund transfer from one Branch to other Br

100000

100000

Unlimited

Term deposits
Double Benefit Deposits provide a higher yield on the principal at the end of the stipulated period as the interest is compounded on quarterly basis; but, the principal and the accrued interest is paid only at the end of the period for which the deposit is placed with the Bank and not monthly or half-yearly as in the case of other types of deposits. This scheme is useful for short term and medium term investment ordinarily ranging from 12 months to 120 months.

Assets
loans Star Loan Against Property Scheme
For loans Max. 12 years by way of equated monthly installments (EMIs) Drawing Limit to be reduced on monthly basis as per sanction terms to bring down the

Overdraft : (Reducible Limit)

balance to zero at the end of repayment period. Total Repayment period of max. 12 years. Note : (a) The property to be mortgaged should be in the name of the applicant or his/her spouse or close relative; (b) Agricultural land should not be accepted as security for loans/advances under this scheme; For Mortgage OD (Not reducible ) 0.50% of the Sanctioned/Reviewed limit min.Rs.10,000/- and max. Rs.30,000/onannual basis.

For Rural Areas Processing charges will be 75% that of normal applicable charges in respect of loans availed by borrowers from rural areas from the Rural branches EQUITABLE MORTGAGE FEE : Limits upto Rs.10.00 lac Rs.5,000/-

10. INSURANCE :

The property mortgaged should be kept insured for full value against the risks of fire, natural calamities, riots, civil commotion,

earthquake, etc. with the usual bank clause (i.e. assigned to the Bank) during the period of advance.

Star Education loan

1. OBJECTIVE & PURPOSE : The Star Educational Loan Scheme aims at providing financial support from the bank to deserving/ meritorious students for pursuing higher education in India and abroad. The main emphasis is that every meritorious student is provided with an opportunity to pursue education with the financial support on affordable terms and conditions.

2. ELIGIBILITY CRITERIA : a. STUDENT'S ELIGIBILITY: Should be an Indian National; Secured admission to professional/technical courses in India or Abroad through Entrance Test/Merit based selection process. Good academic career. The student should not have outstanding education loan from any other Institution. Father/Mother should be co-borrower. Branch nearest to the permanent residence of student will consider the loan.

b. ELIGIBLE COURSE :

i.

Studies in India (Indicative list) :

Graduation/ Post Graduation courses Professional courses : Engineering, Medical,

ii.

Agriculture, Veterinary, Law, Dental, Management, Computer, etc Courses conducted by IIM, IIT, IISc, XLRI, NIFT, NID and other Institutes set up by Central/State Govt. Other courses leading to diploma/degree, etc. conducted by colleges/universities approved by UGC/Govt./AICTE/AIBMS/ ICMR, etc. Studies abroad : Graduation : For job oriented professional/technical courses offered by reputed universities. Post Graduation : MCA, MBA, MS, etc. Courses conducted by CIMA - London, CPA in USA, etc.

3. EXPENSES CONSIDERED FOR LOAN :

Fee payable to college/school/hostel* Examination/Library/Laboratory fee. Purchase of books/equipments/instruments/uniforms. Caution deposit/building fund/refundable deposit supported by Institution bills/receipts. Travel expenses/passage money for studies abroad. Purchase of computers - essential for completion of the course. Insurance cover for the student.

Any other expense required to complete the course - like study tours, project work, thesis, etc. * As per brochure/ demand letter from the institution. 4. QUANTUM OF FINANCE : Need based finance subject to repaying capacity of the parents/students with margin and the following ceilings :

Studies in India - Maximum Rs.10.00 lakh Studies abroad - Maximum Rs.20.00 lakh.

5. MARGIN : Upto Rs.4 lakh : Nil Above Rs.4 lakh - Studies in India : 5% Studies Abroad : 15% Scholarship could be included in margin. Margin to be brought in on year to year basis as and when disbursements are made

BOI Star Vidya Loan Scheme:BOI Star Vehicle Loan Scheme Product BOI Star Vehicle Loan Scheme

Security

Salaried employees, Professionals, Self-employed Non-Resident Indians- advance to be granted jointly with Resident Indians (close relative) (Age of the individual borrower not to exceed 65 years at the time of availing the advance) Companies, Partnership Firms, Proprietary concern and other types of Corporate entities. HUFs not Eligible

Purpose

Purchase of two/four wheeler vehicles(not requiring heavy duty license ). For purchase of used/second hand 2 and 4 wheeler. (age of the vehicle not to exceed 3 years)

Type of Advance

Demand Loan /Term Loan (for 2nd hand vehicles only Demand Loan)

Quantum of Loan

Maximum limits for finance : 1. Individuals (Resident in India) : a. For Indian make vehicles - Rs.25 lacs b. For imported vehicles - Rs.75 lacs. 2. For Companies and corporate entities Rs.100 lacs (Can be a fleet of vehicles) 3. Non-resident Indians - Rs.25 lacs. The limits are subject to : a. 24 times of gross monthly emoluments in case of salaried employees/pension/ or two times of gross average annual income as per last 3 yeas I.T. Returns b. two times average annual cash accrual (i.e. PAT + Dep.) as per firms/ companies last 3 years audited balance sheet, P&L A/c. Net take home pay should be atleast 40% of income (net of proposed EMI).

Repayment (New Vehicles)

A. For Individuals - for new vehicles 4 wheelers - Max. 7 years. 2 wheelers - Max. 5 years. B. For Corporates/Firms,etc. - Max. 5 years. For second hand vehicles - Max. 3 years.

Security

i. ii. iii.

Hypothecation of vehicle to be purchased out of Bank finance. Charge to be registered with RTO. Third party guarantee required in the following cases : a. Loans to NRIs Guarantee of Resident Indian is required.

Vehicles not registered with RTO and for loans to individuals for limits exceeding Rs.25.00 lacs.

Star Mitra Personal Loan (A SPECIAL LOAN SCHEME FOR THE PHYSICALLY CHALLENGED) Objective To help Physically Challenged persons to function independently. To purchase durable and sophisticated aids / appliances that promote their physical and social rehabilitation. All Physically Challenged Individuals both salaried and self-employed,All Physically Challenged Minors through their Parents/Legal Guardians.(No advances to middle-men and NGOs). Demand / Term Loan - Secured Max.Rs. 1 lac (No minimum stipulation)

Purpose

Eligibility

Type of Advance Amount

Eligible Amount

10 times of net salary for salaried persons and 50% of net annual income as per latest Income Tax Return for Self-employed/Professionals. Net take home income should not be less than 40% after availing this loan. (In case of Minors, the income of the Parents/Legal Guardians would be the deciding criteria for eligibility). 10% 12 to 60 months, commencing one month after full disbursement/ three months after first disbursement, whichever is earlier. Fixed Rate compounded monthly on daily reducing balance 1% above Base Rate.

Margin Repayment

Rate of Interest (p.a at monthly rests) Security

Hypothecation of the Equipment purchased out of Bank Finance Waived. However, Borrower is advised to obtain insurance at his own cost. Waived

Insurance

Processing Charges Other Terms and Conditions

i.

Doctors Certificate to be obtained regarding the extent of handicap and the need for the equipment.

ii

Quotation/Invoice in respect of the equipment to be purchased. Stamped receipt to be submitted after purchase of the equipment.

iii.

Star IPO (A SPECIAL LOAN SCHEME FOR THE PHYSICALLY CHALLENGED) Product Investing in Capital market - New Issues Bank of India's Star - IPO is a tailor made scheme Individuals who have PAN Number and Demat account with us. To subscribe to Initial Public Offerings (IPO) including through book-building. Demand Loan 50% * (subject to RBI directives) Maximum 60 days 3.25% above Base Rate, for repayment upto 60 days. 4.50% above Base Rate, for repayment over 60 days.

Eligibility

Purpose Type of Facility Margin Period of Loan Rate of Interest (floating, p.a. at monthly rests)

Fee and Charges Processing charges Quantum of Loan

1.00% of limit sanctioned min. Rs.1000/- and max. Rs.5000/- per account to be recovered at the time of sanction of limit and at annual review Max. Rs.10.00 lakhs per borrower

* Subject to RBI directives. . Please contact our Zonal Offices at : 1. Mumbai South 2. Mumbai North 3. New Delhi 4. Rajkot 5. Karnataka 6. Pune 7. Vadodara 8. Chennai 9. Ahmedabad 10.Kolkata 11.Chandigarh 12.Hyderabad 13.Indore 14.Nagpur - I 15.Coimbatore 16.Ludhiana 17.Rajasthan 18.Raigad-Thane 19.Gandhinagar

BOI Loan Scheme for Vocational Studies

1. OBJECTIVE :

The Model Loan Scheme for Vocational Education and Training aims at providing financial support from the banking system to those who have the minimum educational qualification, as required by the institution/organization running the course eligible under the scheme.

2. ELIGIBILITY CRITERIA : a. Student Eligibility : The student should be an Indian National Have secured admission in a course run or supported by a Ministry/Department / Organisation of the Govt. or a company / society / organization supported by National Skill Development Corporation or state Skill Missions / state Skill Corporations, preferably leading to a certificate / diploma/ degree, etc. issued by a Govt. organization or an organization recognized / authorized by the Govt. to do so.

b. Courses Eligible : i. Vocational/ Skill development courses of duration from 2 months to 3 years run or supported by a Ministry/Department / Organisation of the Govt. or a company / society / organization supported by National Skill Development Corporation or state Skill Missions / state Skill Corporations, preferably leading to a certificate / diploma/ degree, etc. issued by a Govt. organization or an organization recognized / authorized by the Govt. to do so. State Level Bankers Committee (SLBC) / State Level Coordination Committee (SLCC) may add other skill development courses / programmes, having good employability.

1. QUANTUM OF FINANCE : Need based finance to meet expenses, subject to the following

ceilings: For courses of duration up to 3 months Rs.20,000/ For courses of duration 3 to 6 months Rs.50,000/ For courses of duration 6 months to 1 year Rs.75,000/ For courses of duration above 1 year Rs.1,50,000/

1. RATE OF INTEREST : 3% over Base Rate presently 13.50 % p.a Note :

Simple interest will be charged during the study period and up to commencement of repayment. Servicing of interest during study period and the moratorium period till commencement of repayment is optional for students. 1% interest concession to be provided if interest is serviced during the study period and subsequent moratorium period prior to commencement of repayment. Interest concessions to girl students 0.50 % for loans up to Rs. 50,000/- and 1 % for loan above Rs. 50,000/-

Housing Loans to NRIs/ PIOs In addition to providing Housing Loan to Non-Resident Indians (NRIs) and Persons of Indian Origin (PIOs) for acquisition of accommodation in India subject to certain conditions, we also grant loan to NRIs / PIOs for the purpose of repairs/ renovations/ improvements of residential accommodation owned by them in India.

Services:1. Debit card: ATM failure refund Bingo card : xclusively for students. Option of TOD facility upto Rs.2,500 DhanAadhaar card: Debit card issued on Rupay platform with the UID number given by Government of India.Biometric Authentication through UIDAI for micro ATM and pin based authentication on ATMs.It is having the Card Holders Photo. Master Debit Card: Can be used in any of the ATM and POS.Maximum limit of cash withdrawn is Rs.15,000 per day in ATM.Maximum amount that can be withdrawn per day is Rs.25,000 in POS. Master platinum debit card: Maximum limit of cash withdrawn is Rs.50,000 per day in ATM.Maximum amount that can be withdrawn per day is Rs.1 lac in POS. Pension Aadhaar Card: Exclusively for pensioner. It has the photo, signature and Blood group of the pensioner.Pensioner has the facility of TOD equivalent to one months pension. Rupay debit card: It can be used only in ATM and on a few POS.Maximum limit of cash withdrawn is Rs.15,000 per day in ATM.Maximum amount that can be withdrawn per day is Rs.25,000 in POS. Rupay kisan card: It can be used only in ATM. Will be enabled at POS, as and when enabled by NPCI.Maximum limit of cash withdrawn is Rs.15,000 per day in ATM.Maximum amount that can be withdrawn per day is Rs.25,000 in POS. SME card: Master card issued for our Small and Medium entrepreneurs Star vidya card: It can be used in any ATM and the POS provided by

Bank of India only which is kept at college campus. VISA debit card: Maximum limit of cash withdrawn is Rs.15,000 per day in ATM. VISA platinum prilivage debit card: Maximum limit of cash withdrawn is Rs.50,000 per day in ATM. Gift card: This is an excellent product for providing gift to someone who may purchase gifts of own choice. CCredit card: Credit card for pensioners: India card Krishi vikas card Navy classic Navy gold TAJ premium card VISA gold card VISA gold card international card VISA platinum privilege card

Registration: Debit verified by VISA Debit master card Credit verified by VISA Credit master card

BANK OF INDIA ONLINE SERVICES (At your convenience, any time anywhere) Star Connect Mobile Banking Services Bank of Indias Star Connect Mobile Banking Service, is a state of the art facility, which allows you to do virtually all your banking activities from your mobile device. With StarConnect Mobile Banking you can access all your banking accounts with the Bank, 24 hours a day, 365 days a year, from anywhere. A host of features like your banking transaction details, viewing of Account Balance, Mini Statement, Statement, Self Transfers, Third Party Transfer of funds, Utility Bill payments, Ticket booking features among others will definitely make it the most convenient way for you to conduct your banking activities. Bank of India in tie up with M/s mchek India Payment Systems Private Ltd and M/s Playmate to extend Mobile Payments to all Retail Banking customers. mChek Mobile payments - Details Playmate Mobile Payments - Details If you have not yet availed our Star Connect Mobile Banking facility, please register NOW. 1. Apply for Star Connect Mobile Banking Services. 2. Click here for Existing Internet Banking Users OR New Users to download the request form. Fill it and submit the same to your Branch. 3. If you are New User, you shall receive your User ID and Password directly by Post/Courier. 4. If you are already enabled for mobile banking services, please click on

the following link to set SMS password.

Agri Clinics Objectives a. To supplement the efforts of Government extension system b. To make available supplementary sources of input supply and services to needy farmers c. To provide gainful employment to agriculture graduates in new emerging areas in agricultural sector

Concept/Definition

Agriclinics: Agriclinics are envisaged to provide expert services and advice to farmers on cropping practices, technology dissemination, crop protection from pests and diseases, market trends and prices of various crops in the market and also clinical services for animal health etc. which would enhance productivity of crops/animals. Agribusiness centres: Agribusiness centres are envisaged to provide input supply, farm equipments on hire and other farm services. The scheme is open to Agriculture Graduates/Graduates in subjects allied to agriculture like horticulture, animal husbandry,

Eligibility

forestry, dairy, veterinary, poultry farming pisciculture and other allied activities. EDP Traning to Agri Graduates SFAC/NABARD would be arranging a 2-month long intensive training to the agriculture graduates in accounting, business and related matters free of cost at selected centres throughout India. Upon completion of the said programme they would be issued a certificate and a registration number. Selection of borrowers and location of the projects could be done by banks in consultation with the Agricultural Universities, KVKs/ Agriculture Departments of the state.etc. Besides, the name and address of those agriculture graduates who have completed the training programme can be had from the web site www.manage.gov.in (National Institute of Agricultural Extension Management, Hyderabad)

Selection Borrowers

of

Project Activities An illustrative list of ventures.

Soil and water quality cum inputs testing laboratories (with Atomic Absorption Spectrophotometers) Pest surveillance, diagnostic and control services Maintenance, repairs and custom hiring of agricultural implements and machinery including micro irrigation systems (sprinkler and drip)

Agri Service Centres including the three activities mentioned above (Group Activity). Seed Processing Units Micro-propagation through Plant Tissue Culture Labs and Hardening Units Setting up of Vermiculture units, production of bio-fertilisers, bio-pesticides, bio-control agents. Setting up of Apiaries (bee-keeping) and honey & bee products' processing units Provision of Extension Consultancy Services Hatcheries and production of fish finger-lings for aquaculture Provision of livestock health cover, setting up veterinary dispensaries & services including frozen semen banks and liquid nitrogen supply Setting up of Information Technology Kiosks in rural areas for access to various agriculture related portals Feed Processing and testing units Value Addition Centres Setting up of Cool Chain fro the farm level onwards (Group Activity) Retail marketing outlets for processed agriproducts Rural marketing dealerships of farm inputs and outputs Any combination of two or more of the above viable activities along with any other economically viable activity selected by the Graduates, which is acceptable to the Bank.