Shri K Sridharan DDM, NABARD Plot No.101, Ramnagar, E B Colony, Maharaja Nagar Tirun l!

li, TAM"# NAD$ P"N % &'(011 Mo)il % STD % 0*&' TE# % '+,,(+& Email: n)tnt)l-.an/har.in
Tamil Nadu R.O. (Chennai) Shri K V Raghavulu Chief General Manager, Tamil Nadu Regional Office, 48 Mahatma Gandhi Road P ! No "#$4, Chennai % "## #&4 Tel: #44 % '8'$&$(', '8''')&", '8'$"#88 Fax: #44 % '8'$)$&' Email: na*chn+dataone in ,i-trict Office-

Branch Name: ADB AYYAMPALAYAM Branch Code: 1645 Address: MARUDANADHI ROAD City/State: AYYAMPALAYAM, TAMIL NADU Pincode: 624204 Swift Code: N/A RTGS : NO A"ternate Channe"s: In+erne+ %an,&nPhone: 0454!" 26#2#5, 26#500 Fax: 26#251 !ai": $%&'01645($%&'c)'&n Forex Ty#e: **

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Branch Name: ADB $A%%AMA%GALAM Branch Code: !/65 Address: 4, 01MBADA2AR 0TR11T, City/State: 3ANNAMAN4ALAM, TAMIL NADU Phone: 041#!" 2412!!, 240!6! Fax: 2412!! !ai": $%&'0!/65($%&'c)'&n Forex Ty#e: **

Pincode: 6!2!11 Swift Code: N/A RTGS : NO A"ternate Channe"s: In+erne+ %an,&n- Branch Name: ADB $ARA&$AL Branch Code: 1#25 Address: !2#, BHARATHIAR ROAD, City/State: 3ARAI3AL, PONDI.H1RRY Pincode: 605602 Swift Code: N/A RTGS : NO A"ternate Channe"s: In+erne+ %an,&nPhone: 04!6/" 2225!/, 222524 Fax: 0 !ai": $%&'01#25($%&'c)'&n Forex Ty#e: .2 .)re %an,&n- ATM $"

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Branch Name: ADB $AR'( PP&LA%$'R&C)& Branch Code: 1/45 Address: 6!, P1NNADAM ROAD, City/State: 3ARU21PPILAN3URI.H, TAMIL NADU Pincode: 606110 Swift Code: N/A RTGS : NO A"ternate Channe"s: In+erne+ %an,&n- Branch Name: ADB $ATT'R Branch Code: !2/1 Address: 16, 2I .RO00, PARAMA0I2APURAM, City/State: LAL4UDI, TAMIL NADU Pincode: 621601 Phone: 04!1" 25412/4, 2541252 Fax: 0 !ai": $%&'0!2/1($%&'c)'&n Forex Ty#e: ** .)re %an,&n- ATM $" Phone: 0414!" 24!2/!, 24!15! Fax: 24!15! !ai": $%&'01/45($%&'c)'&n Forex Ty#e: **

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Branch Name: ADB P*L'R Branch Code: 5!56 Address: 2#/1, DI21R0ION ROAD, City/State: POLUR, TAMIL NADU Pincode: 606/0! Swift Code: N/A RTGS : NO A"ternate Channe"s: In+erne+ %an,&n- Branch Name: ADB P*%D&C) RRY Branch Code: 161! Phone: 041!" 2245#5#, 2244!24 .)re %an,&n- ATM $" Phone: 041/1" 222065, 222#65 Fax: 0 !ai": $%&'05!56($%&'c)'&n Forex Ty#e: **

Address: 3AMARA6 0ALAI, BRINDA2AN, Fax: 2245#5# City/State: PONDI.H1RRY, PONDI.H1RRY Pincode: 60501! Swift Code: N/A RTGS : Y10 A"ternate Channe"s: In+erne+ %an,&n!ai": $%&'0161!($%&'c)'&n Forex Ty#e:

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Branch Name: ADB T&R'(ALL'R Branch Code: 1/44 Address: 42, NORTH RA6A 0TR11T, City/State: TIRU2ALLUR, TAMIL NADU Pincode: 602001 Swift Code: N/A Phone: 044" 2#660!64, 2#666540 Fax: 2#660!64 !ai": $%&'01/44($%&'c)'&n Forex Ty#e: **

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Branch Name: ADB (ADAPAT)&MA%GALAM Branch Code: 1/5# Address: THIRU ARORAN 0U4ARMILL0 .AMPU0 City/State: 2ADAPATHIMAN4ALAM, TAMIL NADU Pincode: 610206 Swift Code: N/A RTGS : NO A"ternate Channe"s: In+erne+ %an,&n- Branch Name: ADB (&LL'P'RAM Branch Code: !065 Address: 4! A, HO0PITAL ROAD, City/State: 2ILLUPURAM, TAMIL NADU Pincode: 605602 Swift Code: N/A RTGS : NO A"ternate Channe"s: In+erne+ %an,&nPhone: 04146" 251#/5, 225#/5 Fax: 251#/5 !ai": $%&'0!065($%&'c)'&n Forex Ty#e: ** .)re %an,&n- ATM $" Phone: 04!6#" 2!#46#, 2!#65# Fax: 0 !ai": $%&'01/5#($%&'c)'&n Forex Ty#e: **

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Financing Purchase of Land for Agricultural Purposes Genesis The .on/*le 0nion 1inance Mini-ter announced a 2ac3age on 48 5une '##4 to give a *oo-t to agricultural credit and em2ha-i-ed the need to dou*le the agricultural credit in three 6ear 2eriod The agricultural 2olic6 of the Government of 7ndia envi-age- -u*-tantial credit flo8 to increa-e agricultural 2roduction and 2roductivit6 !an3- 2rovide term finance to farmer- for develo2ment 2ur2o-e- and -hort term loan- for 2roduction 2ur2o-eThere i- al-o a need to finance farmer- for 2urcha-ing land to e92and activitie- and ma3e e9i-ting -mall and marginal unit- economicall6 via*le Thi- 8ould ena*le farmer- to diver-if6 their 2re-ent activitie- and ta3e u2 allied activitieO !ecti"es

To ma3e the -mall and marginal holding- economicall6 via*le

To *ring fallo8 land- and 8a-te land- under cultivation To -te2 u2 agricultural 2roduction and 2roductivit6 To finance the -hare cro22er- : tenant farmer- to 2urcha-e land to ena*le them to increa-e income

#ligi ilit$ ;i< Small and marginal farmer- i e tho-e 8ho 8ould o8n ma9imum of non= irrigated or irrigated land ; including 2urcha-e of land under the -cheme< a- -ti2ulated *6 N>!>R,, vide circular Ref No N! ?>P, 4()# :S1=#&=84 : 84 : 8) dated #& 5ul6 4(84 ;ii< Share cro22er- : Tenant farmer;vide, N>!>R, circular No )$:,P,=1S:8:'##) dated '( March '##)< Purpose The o*@ective of the Scheme i- to finance the farmer- to 2urcha-e, develo2 and cultivate agricultural and fallo8:8a-te land- !an3- ma6 al-o con-ider financing 2urcha-e of land to ena*le the farmer- to diver-if6 into other allied activitie- Com2lete detail- of the 2ro@ect 2ro2o-al of the farmer -hould *e o*tained *6 the *an3 8hile con-idering finance for 2urcha-e of land %argin No margin i- 2re-cri*ed for loan- u2to R- )#### 7n ca-e of higher loan-, the margin 8ill *e minimum of 4#A ;aagain-t the earlier -ti2ulation of '#A<Reduction in margin 8ill ena*le -mall and marginal farmer- to avail higher Buantum of loan a- the6 ma6 find it difficult to *ring in higher margin mone6 &ecurit$ The land 2urcha-ed out of the *an3 loan and mortgaged in favour of the *an3 8ill form the -ecurit6 for the loan from *orro8er'nterest Rate >- 2er R!7 directive- on intere-t rate- i--ued from time to time (aluation 1or the 2ur2o-e of valuation of the land for fi9ing the Buantum of financial a--i-tance, the 2rice indicated *6 the farmer ma6 *e cro-- chec3ed 8ith the la-t ) 6ear-/ average regi-tration value availa*le 8ith the Regi-trar : Su*= Regi-trar of the area and a vie8 ma6 *e ta3en *6 the *an3 )uantum of loan 7t 8ill de2end on the area of the land to *e 2urcha-ed and it- valuation and al-o develo2ment co-t Repa$ment period Coan ma6 *e re2aid in $ = 4' 6ear- ;a- again-t the earlier -ti2ulation of $=4# 6ear-< in half 6earl6 : 6earl6 in-talment- including a ma9imum moratorium 2eriod of '4 month- The moratorium 2eriod ma6 *e fi9ed ta3ing into account the ge-tation 2eriod of the 2ro@ect and ca-h flo8 7ncrea-e in re2a6ment 2eriod u2to ma9imum of 4' 6ear-, 8ill 2rovide -ome relief to the -mall farmer- to8ard- re2a6ment of loan Repa$ing Capacit$ The financing *an3 -hould -ati-f6 it-elf that the *orro8er:- 8ould have adeBuate income -ur2lu- from their 2roduction activitie- on the land *eing 2urcha-ed and other income to re2a6 the *an3 loan 8ith intere-t and the re2a6ment 2eriod ma6 *e fi9ed accordingl6 Terms and Conditions for NA*AR+ Refinance

N>!>R, 8ould 2rovide refinance to *an3- for the loan- di-*ur-ed *6 them for 2urcha-e of land under the -cheme *roadl6 on the -ame term- and condition- a- a22lica*le to -chematic finance The im2ortant condition- for refinance are a- under D i< Euantum of Refinance D=>- ma6 *e decided *6 N>!>R, from time to time The Buantum of refinance to *an3for financing 2urcha-e of land i- a- underD

Agency

Percentage refinance to bank loan 102 1+2

CB.0RRB.0SCB. SCARDB.

ii< Rate of 7ntere-t on Refinance D= >- ma6 *e decided *6 N>!>R, from time to time The 2re-ent rate- of intere-t 2er annum are D

Size of Limit

CBs/PCBs/RRBs/SCBs/SCARDBs

$3to &. 00 R..+0000 4rom &. '+ R..+0000 to R..'00000 A)o! &. '+ R..'00000
7n re-2ect of North ?a-tern Region including Si33im and > F N 7-land-, the rate of intere-t on refinance i- "A irre-2ective of the -iGe of loan iii< ?ligi*ilit6 Norm- D= ?ligi*ilit6 to dra8 refinance *6 *an3- 8ill *e determined a- 2er in-truction- i--ued *6 N>!>R, from time to time iv< Mode of Refinance D= Refinance 8ill *e e9tended under *oth >utomatic Refinance 1acilit6 ;>R1< and 2re= -anction 2rocedure of N>!>R, de2ending u2on the 2ro@ect co-t and the amount of refinance involved General Terms ;i< The *an3- ma6 ado2t the -cheme 8ith minimum -uita*le modification-, if nece--ar6, de2ending on local condition- 7t -hould, ho8ever, *e en-ured that the land 2urcha-ed -hould *e u-ed for agricultural 2ur2o-e- and the farmer- ta3e u2 the 2ro@ect im2lementation 8ithout dela6 ;ii< The financing *an3 -hould -ati-f6 it-elf that the *orro8er 8ill have adeBuate -ur2lu- income from hi2roduction activitie- on the land *eing financed and other income to re2a6 the *an3 loan 8ith intere-t (iii) Location of land holding >22licant farmer- ma6 *e encouraged to 2urcha-e the land at one 2lace to the e9tent 2o--i*le .o8ever, in the ca-e of an6 field level con-traint-:2ro*lem-, farmer ma6 *e allo8ed to 2urcha-e land 8ithin the village *oundar6 or in a radiu- of & to ) 3m- from the e9i-ting 2iece of land o8ned *6 him 3ee2ing in vie8 the managea*ilit6 of -uch fragmented holding- *6 the farmer- The financing *an3 ma6 -ati-f6 it-elf a*out thi- a-2ect

;iv< Hhenever farmer- avail them-elve- of loan for 2urcha-e of virgin land-, the6 mu-t *e encouraged to develo2 the land and 2ut the -ame land under cultivation 8ithout an6 dela6 ;v< Hherever land develo2ment involve- digging of o2en 8ell-: drilling of *ore 8ell-, the 2o--i*ilit6 of getting electricit6 -u22l6 on 2riorit6 *a-i- ma6 al-o *e e9amined ;vi< Hhenever farmer- are financed for 2urcha-e of unirrigated land, the farmer- -hould *e encouraged to go in for -uita*le cro2- li3e horticulture: 2lantation cro2- de2ending u2on the climatic condition- and al-o ta3e u2 activitie- li3e dair6, 2oultr6, etc ;vii< The Scheme aim- at *oo-ting the 2roduction and 2roductivit6 of land 2urcha-ed The finance 2rovided *6 the *an3 -hould not re-ult in acBui-ition of land for inve-tment and enca-hing on ri-ing 2rice- of the land ;viii< Pro@ect co-t ma6 include, *e-ide- co-t of land, value of -tam2 dut6, regi-tration charge- for -ale : mortgage deed and other land develo2ment e92en-e;i9< ,uring the 2eriod of the loan, the farmer i- not e92ected to -ell the land ;9< 7n certain -tate- :region-, -tate government- have im2o-ed re-triction- on -ale:2urcha-e of agricultural land ;e g Tri*al *elt , SC:ST, hill area- etc < !an3- -hould ta3e note of -uch in-truction;9i< The *an3- -hould follo8 other u-ual *an3ing norm- and -afeguard-

;9ii< #mpo,ering ,omen through the scheme - O8ner-hi2 right- of land to 8omen 8ould lead to their em2o8erment .ence, financing *an3- ma6 encourage 2urcha-e of land *6 8omen, giving 2reference to tho-e in di-tre--, 8ido8-, S.G mem*er- etc The *an3- ma6 earmar3 a definite 2ercentage for financing 8omen under the -cheme (Ne, clause)