बैंकले कृषि उदेश्य अन्तर्गत विविध बालीहरु उत्पादन गर्ने कार्यका लागि आवश्यकता अनुसार आवधिक तथा संचालन पुंजिको रुपमा कर्जा प्रवाह गर्दछ। यस उदेश्य अन्तर्गत खाद्यान्न बाली (धान, गहूं, मकै), नगदे बाली (उखु, चिया, कफि, अलैंची), ब्यवसायीक तरकारी खेती, फलफूल खेती, पुष्प ब्यवशाय जस्ता बालीहरु पर्दछन्।
Last Updated Date: November 30, 2021
Agriculture Development Bank Limited (ADBL) is a self-ruling association to a great extent possessed by the Government of Nepal. The bank has been functioning as a head provincial credit foundation throughout the previous thirty years, offering in excess of 67 percent of institutional credit gracefully in the nation. Subsequently, rustic money is the main operational territory of ADBL. Moreover, it has likewise been executing the Small Farmer Development Program (SFDP), the significant neediness mitigation program dispatched in the nation. Moreover, the bank has additionally been associated with business banking tasks since 1984.
Agrarian Development Bank has a sum of 232 branches under the administration of 10 local workplaces and 60 ATMs (18 inside valley and 42 outside valley) sources.
The term agricultural credit refers to one of several credit vehicles used to finance agricultural transactions. These vehicles include loans, notes, bills of exchange, and banker's acceptances. This type of financing is specially adapted to the specific financial needs of farmers and allows them to secure equipment, plant, harvest, marketing, and do other things that are necessary to keep their farms running. Agricultural credit refers to one of several credit vehicles used to finance agricultural transactions such as a loan, note, bill of exchange, or a banker's acceptance. Financing is specially adapted to the specific financial needs of farmers. It allows them to secure equipment, plant, harvest, marketing, and do other things required to keep farms running or diversify. Credit needs to be available on competitive terms to allow farmers who operate in a free market economy to compete with farms that receive subsidies.
When someone needs credit, they often turn to banks for loans or other credit vehicles. Some industries have special facilities set aside through certain financial institutions as is the case with agribusiness—the business sector encompassing farming and farming-related commercial activities which involve all the steps required to send an agricultural good to market—production, processing, and distribution. This is called agricultural credit, which is available in many different countries. Agricultural credit, which is also commonly referred to as agricultural finance, is an important component of the economy, especially in countries with arable land since agricultural products can be exported. Credit is vital to agricultural businesses because it gives farmers access to capital that might not otherwise be available to them. It helps them secure the seeds, equipment, and land they need to operate a successful farm. Agricultural credit programs not only help farmers and other agricultural producers, but also supports ranchers and rural homeowners with their finances.
The agricultural loan is offered to loan borrowers in various forms as listed below:
Crop loan, also called as Kisan Rin or Retail Agri Loan is a go-to retail loan for agriculturalists to fulfil short term credit needs. Thus it is ideal to fulfil day to day agricultural costs.
Banks offer pre-approved loans to the existing customers by doing a check on their credit score and repayment eligibility. Thus, they provide loans at a competitive rate of interest which are less than the usual personal loan interest rate.
Agriculture crop loan is offered as loan for allied agricultural activities to agriculturists looking out to fulfil working capital requirements. In addition to that, this loan can also be used to plan out long term investment options.
A pre-approved personal loan can be easily availed sitting at the desk of your house in a real quick time. Most of the lending institutions provide the facility to fill and submit the application form along with the necessary documents through mobile application or website of the banks.
This loan is offered to the agriculturists involved in small agriculture projects, to enable the purchase of photovoltaic pumping systems. The loan is offered with a repayment tenure of up to ten years to ease out the prepayment of the borrowed amount.
Agricultural gold loan is a secured loan that can be availed by farmers by pledging their gold. The loan is offered on a lower interest rate and is ideal for arranging funds in times of need.
Horticultural Loan is an agriculture farm loan offered for land development projects related to orchids or vegetable farms. The loan can be used to cover expenses such as fencing, setting up boundaries, and clearing wild plants and trees amongst others.
Forestry agriculture crop loan is offered for maintenance and raising of crops growing on trees. This loan is a multipurpose loan and can be used for converting barren fields into farms, for creating irrigation channels, or for clearing wild growth in the farms.