fdlku

mRiknd
daifu;ksa
ds fy,
“ks;j iwath vuqnku ,oa
_.k xkjaVh fufèk ;kstuk

fn’kk funsZ’k
 fdlku mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku
,oa _.k xkjaVh fufèk ;kstuk
Equity Grant and Credit Guarantee Fund Scheme for
Farmer Producer Companies

fn'kk funsZ'k
Operational Guidelines

y?kq Ñ"kd Ñf"k O;kikj la?k

Ñf"k ,oa lgdkfjr foHkkx
Hkkjr ljdkj
Small Farmers’ Agri-Business Consortium
Dept. of Agriculture and Cooperation
Government of India
 Equity Grant and Credit Guarantee Fund Scheme for
Farmer Producer Companies
fdlku & mRiknd daifu;ksa ds fy, 'ks;j iwath vuqnku
,oa _.k xkjaVh fufèk ;kstuk
Operational Guidelines
fn'kkfunsZ'k

Contents
fo"k; lwph
Introduction 03
çLrkouk 03

PART A: EQUITY GRANT FUND (EGF) 04

Hkkx d% 'ks;j iwath vuqnku fufèk ¼bZ th ,Q½

1. Period of Implementation 04
1. dk;kZUo;u dh vofèk 04
2. Implementing Agency 04
2. dk;kZUo;u ,tsalh 04
3. Definitions 04
3. ifjHkk"kk,a 04
4. Objectives of Equity Grant Fund 04
4. 'ks;j iwath vuqnku fufèk ds mís'; 04
5. Eligibility Criteria for FPCs 04
5. fdlku mRiknd daifu;ksa ds fy, ik=rk ds ekinaM 04
6. Equity Grant Fund 05
6. 'ks;j iwath vuqnku fufèk 05
7. Application for Equity Grant Fund 06
7. 'ks;j iwath vuqnku fufèk ds fy, vkosnu 06
8. Institutional Due Diligenc 06
8. laLFkkfud leqfpr vè;olk; 06
9. Sanction 06
9. LohÑfr 06
10. Disbursement 07
10. laforj.k 07
11. Compliance and Verification 07
11. vuqikyu ,oa lR;kiu 07
12. Arbitration 07
12. iap QSlyk 07

fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kkfunsZ”k
PART B: CREDIT GUARANTEE FUND (CGF) 08
Hkkx [k% _.k xkjaVh fufèk ¼lh th ,Q½ 08
1. Period of Implementation 08
1. dk;kZUo;u dh vofèk 08
2. Implementing Agency 08
2. dk;kZUo;u ,tsalh 08
3. Definitions 08
3. ifjHkk"kk,a 08
4. Objectives of the Credit Guarantee Fund 09
4. _.k xkjaVh fufèk ds mís'; 09
5. Eligibility Criteria for FPC 09
5. fdlku & mRiknd daifu;ksa ds fy, ik=rk ds ekinaM 09
6. Credit Facilities Eligible under CGF 09
6. lh th ,Q ds varxZr ik= _.k lqfoèkk,a 09
7. Non- Eligibility 09
7. xSj ik=rk 09
8. Credit Guarantee Cover 10
8. _.k xkjaVh dh jde 10
9. Application for Guarantee Cover 10
9. xkjaVh dh jde ds fy, vkosnu 10
10. Sanction 10
10. LohÑfr 10
11. Guarantee Fees 10
11. xkjaVh 'kqYd 10
12. Annual Service Fee 11
12. okf"kZd lsok 'kqYd 11
13. Responsibilities of Lending Institutions under the Scheme 11
13. ;kstuk ds varxZr _.knkrk laLFkkvksa dh ftEesnkfj;ka 11
14. SFAC Monitoring 12
14. y?kq Ñ"kd O;kikj la?k dh fuxjkuh 12
15. Governance 12
15 vfHk'kklu 12
16. Invocation of Guarantee 13
16. xkjaVh dk ykxw 13
17. Claim Settlement 13
17. nkos dk fuiVkjk 13
18. Subrogation of Rights and Recoveries On Account Of Claims Paid 14
18. lanÙk nkoksa ds dkj.k çR;klu vfèkdkj ,oa olwfy;ka 14
19. Residual Recovery 14
19. vof'k"V olwyh 14
20. Termination of SFAC’s Liability in Certain Cases 14

Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
 20. dfri; ekeyksa esa y?kq Ñ"kd Ñf"k O;kikj la?k dh ns;rk dh lekfIr 14
21. General 14
21. lkekU; 14
22. Modifications and Exemptions 14
22. la'kksèku ,oa NwV 14
23. Interpretation 15
23. O;k[;k 15
24. Supplementary and General Provisions 15
24. iwjd ,oa lkekU; çkoèkku 15
25. General Awareness/Publicity/Training Programme 15
25. lkekU; tkx:drk@çpkj@çf'k{k.k dk;ZØe 15
26. Arbitration 15
26. iap QSlyk 15

PART C: Project Development Facility (PDF) for Equity Grant

and Credit Guarantee Fund Scheme 16
Hkkx x% 'ks;j iwath vuqnku vkSj _.k xkjaVh fufèk ;kstuk ds fy, ifj;kstuk
fodkl lqfoèk ¼ih Mh ,Q½ 16
Equity Grant and Credit Guarantee Fund Scheme: Annexures.
'ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk% vuqcaèk

Annexure 1: Application Form for seeking Equity Grant by FPC 18

vuqcaèk 1% fdlku & mRiknd daiuh }kjk 'ks;j iwath vuqnku çkIr djus ds fy, vkosnu i= 18
Annexure 1: Enclosure1: FPC Shareholder List (all share holders) 22
vuqcaèk 1 & ifjf'k"V 1% fdlku & mRiknd daiuh ds 'ks;j èkkjdksa dh lwph ¼lHkh 'ks;j èkkjd½ 22
Annexure 1: Enclosure 2: Resolution of BoD of FPC to seek Equity Grant for Shareholders
(Certified True Copy) 24
vuqcaèk 1% ifjf'k"V 2% 'ks;j èkkjdksa ds fy, 'ks;j iwath vuqnku çkIr djus ds fy,
fdlku & mRiknd daiuh ds funs'kd eaMy dk ladYi ¼lR;kfir lgh çfrfyfi½ 24
Annexure 1: Enclosure 3: Consent Form of all Shareholders 25
vuqcaèk 1 & ifjf'k"V 3% lHkh 'ks;j èkkjdks dk lgefr i= 25
Annexure 2: Agreement between SFAC and FPC 26
vuqcaèk 2% y?kq Ñ"kd Ñf"k O;kikj la?k rFkk fdlku & mRiknd daiuh ds chp djkj 26
Annexure 3: Application Form for Seeking Credit Guarantee Cover under CGF 29
vuqcaèk 3% _.k xkajVh fufèk ds varxZr _.k xkjaVh dh jde çkIr djus ds fy, vkosnu i= 29
Annexure 4: Agreement to be executed by Lending Institution/s with SFAC 33
vuqcaèk 4% y?kq Ñ"kd Ñf"k O;kikj la?k ds lkFk _.knkrk laLFkk ¼laLFkkvksa½ }kjk fd;k tkus okyk djkj 33
Annexure 5: Credit Guarantee Fund 39
vuqcaèk 5% _.k xkjaVh fufèk 39
Application for Invocation of Guarantee Cover and Settlement of Claim under CGF Scheme 41
_.k xkjaVh fufèk ;kstuk ds varxZr nkos dk fuiVkjk rFkk xkjaVh dh jde ds ykxw ds fy, vkosnu 41

fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
List of Acronyms

1. EGCGFS- Equity Grant and Credit Guarantee 24. CA- Chartered Accountant
Fund Scheme
25. ZO- Zonal Office
2. FY- Financial Year
26. HO- Head Office
3. GoI- Government of India
27. KYC- Know Your Customer
4. FIG- Farmer Interest Group
28. STD- Standard Trunk Dialling
5. FPC- Farmer Producer Companies
29. PC- Producer Company
6. EGF- Equity Grant Fund
30. MACS- Mutually Aided Cooperative Society
7. RoC- Registrar of Companies 31. a/c- Account
8. SHG- Self Help Group 32. TL- Term Loan
9. BoD- Board of Director 33. WC- Working Capital
10. SFAC- Small Farmers” Agribusiness
Consortium

11. EGSC- Equity Grant Sanction Committee

12. MD- Managing Director

13. CGF- Credit Guarantee Fund

14. NPA- Non-Performing Asset

15. ELI- Eligible Lending Institution

16. NCDC- Nation Cooperative Development

Corporation

17. NABARD- National Bank for Agriculture and

Rural Development

18. NEDFi- North Eastern Development Finance

Corporation Ltd.

19. LI- Lending Institution

20. INR- Indian Rupees

21. IFSC- Indian Financial System Code

22. DIN- Director Identification Number

23. CEO- Chief Executive Officer

Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
laf{kIr uke
25. tSMvks- {ks=h; dk;Zy;
1. bZthlhth,Q,l- 'ks;j iwath vuqnku ,oa _.k xkjaVh
fufèk ;kstuk 26. ,pvks- çèkku dk;Zy;

2. ,QokbZ- foÙk o"kZ 27. dsokbZlh- xzkgkd tkudkjh

3. thvksvkbZ- Hkkjr ljdkj 28. ,lVhMh- LVSMj Vªad Mk;fyax

4. ,QvkbZth- fdlku ykHk leqg 29. ihlh- mRiknd daiuh

5. ,Qihlh- fdlku mRiknd daiuh 30. ,e,lh,l- ijLij lgk;rk çkIr lgdkjh lfefr vfèkfu;e

6. bZth,Q- 'ks;j iwath fufèk 31. ,@lh- ys[kk

7. vkjvkslh- daiuh jftLVªkj 32. Vh,y- vofèk mèkkj

8. ,l,pth- Lo;a lgk;rk lewg 33. MCY;wlh- dk;Z'khy iwath

9. chvksMh- funs'kd eaMy

10. ,l,Q,lh- y?kq Ñ"kd Ñf"k O;kikj la?k

11. bZth,llh- 'ks;j iwath eatwjh lfefr

12. ,eMh- çcaèk funs'kd

13. lhth,Q- _.k xkjaVh fufèk

14. ,uih,- xSj çn'kZu ifjlaifÙk

15. bZ,yvkbZ- ik= _.k la[;k

16. ,ulhMhlh- jk"Vªh; lgdkfjr fodkl fuxe

17. ,u,uch,vkjMh- jk"Vªh; Ñf"kZ ,oa xzkeh.k fodkl cSad

18. ,ubZMh,QvkbZ- jk"Vªh; lgdkjh fodkl fuxe

19. ,yvkbZ- _.knk;h laLFkk

20. vkbZ,uvkj- Hkkjrh; djSalh

21. vkbZ,Q,llh- Hkkjrh; foRrh; dksM ç.kkyh

22. MhvkbZ,u- funs'kd igpku la[;k

23. lhbZvks- eq[; dk;Zikyd vfèkdkjh

24. lh,- lunh ys[kkdkj

fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
Introduction
The Union Finance Minister, in the Budget Speech for 2013-14 delivered to the Lok Sabha on 28 February
2013, announced two major initiatives to support Farmer Producer Organisations (FPOs) viz., support to
the equity base of FPOs by providing matching equity grants, for which an amount of Rs.50.00 crore was
sanctioned, and, secondly, setting up of a Credit Guarantee Fund to provide cover to banks which advance
loans to FPOs without collateral, for which an initial corpus of Rs. 100.00 crore was sanctioned to the
Small Farmers’ Agribusiness Consortium (SFAC).

To operationalize the announcements made in the Budget Speech, a new Central Sector Scheme, titled
“Equity Grant and Credit Guarantee Fund Scheme for Farmer Producer Companies”
is proposed below in two parts, combining both the initiatives in one Scheme.

Part A of the Scheme deals with the Equity Grant Fund while Part B deals with the Credit Guarantee Fund.

Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
 2

çLrkouk
28 Qjojh] 2013 dks yksd lHkk esa 2013&2014 ds fy, vius ctV Hkk’k.k esa dsaæh; foÙk ea=h us fdlku mRiknd la?kksa ¼,Q ih
vks½ dh lgk;rk ds fy, nks çeq[k igyksa dh ?kks’k.kk dh gS vFkkZr lerqY; “ks;j iwath vuqnku çnku djds fdlku & mRiknd
daifu;ksa ds 'ks;j iwath vkèkkj ds fy, lgk;rk] ftlds fy, 50 djksM+ :i, dh jkf'kLohÑr dh xbZ] vkSj nwljk] ,sls cSadksa dks
jde çnku djus ds fy, _.k xkjaVh fufèk dh LFkkiuk tks tekur ds fcyk fdlku & mRRiknd daifu;ksa dks _.k nsrs gS]
ftlds fy, y?kq Ñ"kd Ñf"k O;kikj la?k ¼,l ,Q , lh½ dks 100 djksM+ :i, dh vkjafHkd jkf'kLohÑr dh xbZA

ctV Hkk"k.k esa dh xbZ ?kks"k.kkvksa dks lkdkj djus ds fy, ßfdlku & mRiknd daifu;ksa ds fy, 'ks;j iwath vuqnku
vkSj _.k xkjaVh fufèk ;kstukÞ uked dsaæh; {ks= dh ,d ubZ ;kstuk dk çLrko uhps nks Hkkxksa esa fd;k x;k gS] ftlesa
nksuksa igykssa dks ,d gh ;kstuk ds rgr 'kkfey fd;k x;k gSA

;kstuk ds Hkkx&d esa 'ks;j iwath vuqnku fufèk ds ckjs esa crk;k x;k gS] tcfd Hkkx&[k esa _.k xkjaVh fufèk ds ckjs esa crk;k
x;k gSA

fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
3
The scheme shall be known as
Equity Grant and Credit Guarantee Fund Scheme
For Farmer Producer Companies(EGCGFS)
Part A: Equity Grant Fund (EGF)
1. Period of Implementation
It shall be implemented from the Financial Year (FY)
2013-14 onwards.
2. Implementing Agency
The EGF shall be operated by Small Farmers Agri
Business Consortium (SFAC).
3. Definitions
For the purposes of this Scheme:
Bank means a Scheduled Commercial Bank
i. 
included in the Second Schedule to the Reserve
Bank of India Act, 1934, Regional Rural Banks or
any other Institution(s) as may be directed by
the Board of SFAC or Ministry of Agriculture,
Government of India(GoI) from time to time;
Board means any form of Governing Body of
ii. 
the FPC such as Board of Directors;
Equity means the amount of share capital
iii. 
contributed by the Shareholder Members
(farmer producers/ institutions of farmer
producers) of FPC;
EGF means Equity Grant Fund created at SFAC,
iv. 
for providing Equity Grant to FPCs;
(v) Farmer means any individual engaged in
Agriculture and allied activities;
vi. Farmer Interest Group means an informal
group of farmers formed with the objective
of improving farm and farming value added
activities, working for mutual benefit of the
group and governed by a common set of rules;
Farmer Producer Companies (FPC) means
vii. 
a company of Farmer Producer Members as
defined in section IXA of the Indian Companies
Act, 1956 (including any amendments thereto
Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
or re-enactment thereof) and incorporated
with the Registrar of Companies (RoC). Other
categories of farmer producer organizations
(such as cooperatives) may be considered for
inclusion at a later stage.
viii. Joint Liability Group means Joint Liability
Group of farmer producer members as defined
by NABARD
Self Help Group means Self Help Group of
ix. 
farmer producer members as defined by
NABARD
Shareholder is a shareholder member of FPC
x. 
on the date of its application for Equity Grant
under the EGCGFS
4. Objectives of Equity Grant Fund
The Equity Grant Fund has been set up with the
primary objectives of:
i. Enhancing viability and sustainability of FPCs;
ii. Increasing credit worthiness of FPCs;
iii. 
Enhancing the shareholding of members to
increase their ownership and participation in
their FPC.
5. Eligibility Criteria for FPCs
An FPC shall be eligible to apply for Equity Grant
under the Scheme based on its fulfilling the following
criteria:
i. It is a duly registered FPC as defined in 3 (vii)
above.
ii. It has raised equity from its Members as laid
down in its Articles of Association/ Bye laws.
iii. The number of its Individual Shareholders is
not lower than 50.
iv. Its paid up equity does not exceed Rs.30 Lakh.

;kstuk ds :i esa tkuk tk,xk
fdlku & mRiknd daifu;ksa ds fy, 'ks;j iwath vuqnku
,oa _.k xkjaVh fufèk ;kstuk ¼bZ th lh th ,Q ,l½
Hkkx d% 'ks;j iwath vuqnku fufèk ¼bZ th ,Q½
1- dk;kZUo;u dh vofèk
bls foÙk o"kZ 2013&14 ls ykxw fd;k tk,xkA
2- dk;kZUo;u ,tsalh
'ks;j iwath vuqnku fufèk dks y?kq Ñ"kd Ñf"k O;kikj la?k ¼,l
,Q , lh½ }kjk lapkfyr fd;k tk,xkA
3- ifjHkk"kk,a
bl ;kstuk ds ç;kstuksa ds fy,%
i. cSad% bldk vfHkçk; Hkkjrh; fjtoZ cSad vfèkfu;e 1934
dh nwljh vuqlwph esa 'kkfey fdlh vuqlwfpr okf.kfT;d
cSad] {ks=h; xzkeh.k cSad ;k fdlh vU; laLFkk ¼laLFkkvksa½
ls gS] tSlk le;≤ ij y?kq Ñ"kd Ñf"k O;kikj la?k
ds funs'kd eaMy ;k Ñf"k ea=ky;] Hkkjr ljdkj }kjk
funsZ'k fn;k tk ldrk gS(
ii. 
cksMZ% bldk vfHkçk; fdlku & mRiknd daiuh ds
"kklh fudk; ds fdlh :i ls gS] tSls fd funs'kd
eaMy(
iii. 
'ks;j iwath% bldk vfHkçk; fdlku& mRiknd daiuh
ds 'ks;j èkkjd lnL;ksa ¼fdlku mRikndksa@fdlku
& mRikndksa dh laLFkkvksa½ }kjk va'knku dh xbZ
'ks;j iwath dh jkf'k ls gS(
iv. bZth,Q% bldk vfHkçk; fdlku & mRiknd daifu;ksa
dks 'ks;j iwath vuqnku çnku djus ds fy, y?kq
Ñ"kd Ñf"k O;kikj la?k esa l`ftr 'ks;j iwath vuqnku
fufèk ls gS(
v. 
fdlku% bldk vfHkçk; fdlh ,sls O;fDr ls gS tks Ñf"k
,oa lac) xfrfofèk;ksa esa 'kkfey gS(
vi. fdlku ykHk lewg% bldk vfHkçk; Ñf"k ,oa Ñf"k ewY;
ofèkZr xfrfofèk;ksa esa lqèkkj ds mís'; ls xfBr fdlkuksa ds
vukSipkfjd lewg ls gS] tks lewg ds ijLij ykHk ds fy,
dke djrs gSa rFkk leku fu;eksa }kjk vfHk'kkflr gksrs gS(a
vii. 
fdlku & mRiknd daiuh ¼,Q ih lh½% bldk vfHkçk;
Hkkjrh; daiuh vfèkfu;e 1956 ¼blesa dksbZ la'kksèku ;k
bldk iqu% vfèkfu;eu lfgr½ dh èkkjk 9d esa ;Fkk
ifjHkkf"kr rFkk daiuh jftLVªkj ¼vkj vks lh½ ds ;gka
fuxfer fdlku & mRiknd lnL;ksa dh daiuh ls gSA
fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
3
vkxs pydj fdlku & mRiknd la?kksa dh vU; Jsf.k;ksa
¼tSls fd lgdkjh lfefr;ksa½ dks 'kkfey djus ij fopkj
fd;k tk ldrk gS(
viii. l
 a;qDr ns;rk lewg% bldk vfHkçk; ukckMZ }kjk ;Fkk
ifjHkkf"kr fdlku & mRiknd lnL;ksa ds la;qDr ns;rk
lewg ls gS(
ix.  Lo;a lgk;rk lewg% bldk vfHkçk; ukckMZ }kjk ;Fkk
ifjHkkf"kr fdlku & mRiknd lnL;ksa ds Lo;a lgk;rk
lewg ls gS(
x.  'ks;j èkkjd% ;g bZ th lh th ,Q ,l ds varxZr 'ks;j
iwath vuqnku ds fy, vkosnu dh rkjh[k dks fdlku &
mRiknd daiuh dk ,d 'ks;j èkkjd lnL; gksrk gSA
4- 'ks;j iwath vuqnku fufèk ds mís';
'ks;j iwath vuqnku fufèk dk xBu fuEufyf[kr çkFkfed
mís';ksa ls fd;k x;k gS(
i.  fdlku & mRiknd daifu;ksa dh O;ogk;Zrk ,oa
laiks"k.kh;rk esa o`f) djuk(
ii. fdlku & mRiknd daifu;ksa dh _.k ds fy, mi;qDrk
esa c<+ksÙkjh djuk(
iii. 
lnL;ksa dh 'ks;j iwath esa o`f) djuk rkfd fdlku &
mRiknd daiuh esa lnL;ksa ds LokfeRo ,oa Hkkxhnkjh esa
o`f) gks lds(
5- fdlku & mRiknd daifu;ksa ds fy, ik=rk ds ekinaM
dksbZ Hkh fdlku & mRiknd daiuh fuEufyf[kr ekinaMksa dks
iwjk djus ij bl ;kstuk ds rgr 'ks;j iwath vuqnku ds fy,
vkosnu djus ds fy, ik= gksxh%
i. ;g mi;qZDr 3 ¼7½ esa nh xbZ ifjHkk"kk ds vuqlkj fofèkor
:i ls iathÑr fdlku & mRiknd daiuh gS(
ii. vius laLFkk ds varfuZ;eksa@mi fu;eksa esa çkoèkku ds
vuqlkj blus vius lnL;ksa ls 'ks;j iwath tqVk;h gS(
iii. blds O;fDrxr 'ks;j èkkjdksa dh la[;k 50 ls de ugha gS(
iv. bldh lanÙk 'ks;j iwt
a h 30 yk[k :i, ls vfèkd ugha gS(
4
v. Minimum 33% of its shareholders are small,
marginal and landless tenant farmers as
defined by the Agriculture Census carried out
periodically by the Ministry of Agriculture, GoI.
vi. Maximum shareholding by any one member
other than an institutional member is not more
than 5% of total equity of the FPC.
vii. Maximum shareholding of an institutional
member is not more than 10% of total equity
of the FPC.
viii. It has a duly elected Board of Directors (BoD)
with a minimum of five members, with
adequate representation from member farmers
and minimum one woman member.
ix. It has a duly constituted Management
Committee responsible for the business of the
FPC.
x. It has a business plan and budget for next
18 months that is based on a sustainable,
revenue model as may be determined by the
Implementing Agency.
xi. The FPC has an Account with a “Bank”.
xii. It has a Statement of Accounts audited by a
Chartered Accountant (CA) for at least one full
financial year.
6. Equity Grant Fund
The Equity Grant Fund enables eligible FPCs to
receive a grant equivalent in amount to the equity
contribution of their shareholder members in the
FPC, thus enhancing the overall capital base of
the FPC. The Scheme shall address nascent and
emerging FPCs, which have paid up capital not
exceeding Rs. 30 lakh as on the date of application.
The Equity Grant shall be sanctioned to eligible
FPCs as follows:
i. Equity Grant shall be a cash infusion equivalent
to the amount of shareholder equity in the FPC
subject to a cap of Rs. 10 lakh per FPC.
ii. Equity Grant sanctioned shall be directly
transferred to the bank account of the FPC.
iii. The FPC shall, within 45 days of the receipt of
the Equity Grant, issue additional shares to its
shareholder members, equivalent in value to the
Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
amount of the Grant received by it, provided that
the maximum grant per category of shareholder
is as follows:
a). Individual Shareholder - Rs 1000.00
b). Group of Individual Shareholders (e.g. SHG,
Farmer Interest Group, Joint Liability Groups
of Farmers) –Number of Members multiplied
by Rs. 1,000.00, subject to a maximum of Rs.
20,000.00
c). Institutional Shareholders (Farmer Producer
Companies) – Rs. 1, 00,000.00
iv. The criteria for calculation of Equity Grant
(rounded off to the Share Unit Value (subject
to point (iii)) to each shareholder member
of the FPC (as per authenticated copy of the
Shareholders Register maintained by the
Producers Company as per the applicable
provisions of the relevant Act) is as follows:
a). Allocation of shares shall be on matching/
pro-rata basis of the shareholders’ current
shareholding, subject to the maximum
specified above and ensuring that each
shareholder member receives minimum one
equity share.
b). If the Grant sanctioned to the FPC is not
sufficient to ensure a minimum one share to all
its shareholder members, allocation of grant
shall be based on the shareholders’ current
landholding, starting with shareholder with the
least land holding / the smallest producer in case
of allied activities/ or by transparent draw of lots
where such identification is not possible.
v. The FPC shall be allowed to draw the Equity
Grant in a maximum of two tranches (within a
period of 2 years of the first application) subject
to the cap of Rs 10.00 lakh per FPC, provided and
to the extent that it is able to raise additional
Member Equity to qualify for an additional
matching grant within the overall ceiling of Rs.
10.00 lakh. The request for the second tranche
shall be treated as a fresh application and the
full process of due diligence shall be repeated.
vi. In the event that a shareholder, who receives
additional shares issued by the FPC against
Equity Grant sanctioned by the Implementing
Agency, exits the FPC at any point after receiving
the shares, the additional shares received by

v. blds de ls de 33 çfr'kr 'ks;j èkkjd Ñf"k ea=ky;]
Hkkjr ljdkj }kjk le;&le; ij lapkfyr Ñf"k
tux.kuk dh ifjHkk"kk ds vuqlkj NksVs] lhekar ,oa
Hkwfeghu dk'rdkj fdlku gSa(
vi. fdlh laLFkkfud lnL; ls fHkUu fdlh ,d lnL; }kjk
èkkfjr 'ks;jksa dh vfèkdre la[;k fdlku & mRiknd
daiuh dh dqy 'ks;j iwt a h ds 5 çfr'kr ls vfèkd ugha gS(
vii. fdlh laLFkkfud lnL; }kjk èkkfjr 'ks;j dh vfèkdre
la[;k fdlku & mRiknd daiuh dh dqy 'ks;j iwath ds
10 çfr'kr ls vfèkd ugha gS(
vii. bldk ,d fofèkor :i ls pquk x;k funs'kd eaMy ¼ch
vks Mh½ gS ftlesa de ls de 5 lnL; gSa rFkk lnL;
fdlkuksa dk i;kZIr çfrfufèkRo gS vkSj blesa de ls de
,d efgyk lnL; gS(
ix.  bldh ,d fofèkor :i ls xfBr çcaèk lfefr gS tks
fdlku & mRiknd daiuh ds dkjksckj ds fy, ftEesnkj gS(
x.  vxys 18 eghuksa ds fy, bldh ,d dkjksckj ;kstuk ,oa
ctV gS tks laiks"k.kh; jktLo çfreku ij vkèkkfjr gS]
tSlk fd dk;kZUo;u ,tsl a h }kjk fuèkkZfjr gks ldrk gS(
xi.  fdlh vuqlwfpr cSad esa fdlku & mRiknd daiuh dk
[kkrk gS (
xii.  bldk de ls de ,d iw.kZ foÙk o"kZ ds fy, fdlh lunh
ys[kkdkj ¼lh ,½ }kjk ys[kk ijhf{kr ys[kk & fooj.k gSA
6- 'ks;j iwath vuqnku fufèk
'ks;j iwath vuqnku fufèk ik= fdlku & mRiknd daifu;ksa
dks fdlku & mRiknd daiuh esa vius 'ks;j èkkjd lnL;ksa
ds 'ks;jiwath va'knku ds cjkcj jkf'k esa vuqnku çkIr djus esa
leFkZ cukrh gS] vkSj bl çdkj fdlku & mRiknd daiuh ds
lexz iwath vkèkkj esa o`f) djrh gSA
;g ;kstuk ubZ ,oa mHkjrh fdlku & mRiknd daifu;ksa dh
t:jrksa dks iwjk djsxh] ftudh lanÙk iwath vkosnu dh rkjh[k
dks 30 yk[k :i, ls vfèkd ugha gSA
'ks;j iwath vuqnku ik= fdlku & mRiknd daifu;ksa dks
fuEukuqlkj LohÑr fd;k tk,xk%
i. 'ks;jiwath vuqnku çR;sd fdlku & mRiknd daiuh ds
fy, 10 yk[k :i, dh vfèkdre Åijh lhek ds vèkhu
udn lgk;rk ds :i esa gksxk ftldh jkf'kfdlku &
mRiknd daiuh esa 'ks;j èkkjdksa dh 'ks;j iwath dh jkf'k
ds cjkcj gksxhA
ii. LohÑr 'ks;j iwath vuqnku dks fdlku & mRiknd daiuh
ds cSad [kkrs esa lhèks varfjr fd;k tk,xkA
iii. 'ks;jiwath vuqnku çkIr djus dh rkjh[k ls 45 fnu
ds vanj fdlku & mRiknd daiuh vius 'ks;j èkkjd
lnL;ksa dks vfrfjDr 'ks;jtkjh djsxh] ftldk ewY;
mlds }kjk çkIr vuqnku dh jkf'k ds lerqY; gksxk] ijarq
çR;sd Js.kh ds 'ks;j èkkjd ds fy, vfèkdre vuqnku
fuEukuqlkj gS%
fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
4
¼d½ O;fDrxr 'ks;jèkkjd & 1000 :i,
¼[k½ O;fDrxr 'ks;jèkkjdksa dk lewg ¼mnkgj.k ds fy,]
Lo;a lgk;rk lewg] fdlku ykHk lewg] fdlkuksa ds
la;Dq r ns;rk lewg½ & lnL;ksa dh la[;k x 1000
:i,] ftldh vfèkdre jkf'k 20]000 :i, gksxh
¼x½ laLFkkfud 'ks;jèkkjd ¼fdlku & mRiknd daiuh½ &
1]00]000 :i,
iv. 
laxr vfèkfu;e ds ykxw çkoèkkuksa ds vuqlj.k esa mRiknd
daiuh }kjk vuqjf{kr 'ks;j èkkjd jftLVj dh çekf.kr
çfrfyfi ds vuqlkj fdlku & mRiknd daiuh ds çR;sd
'ks;jèkkjd lnL; dks fcanq la[;k ¼3½ ds vèkhu 'ks;j
iwath vuqnku dh x.kuk ds fy, ekinaM ¼iw.kk±fdr 'ks;j
;wfuV ewY;½ bl çdkj gS%
¼d½ 'ks;jksd a k vkcaVu 'ks;jèkkjdksa dh orZeku 'ks;j èkkfjrk
ds lerqY;@;Fkkuqikr vkèkkj ij gksxk tks Åij
crkbZ xbZ vfèkdre lhek ds vèkhu gksxk rFkk
lqfuf'pr fd;k tk,xk fd çR;sd 'ks;j èkkjd de
ls de ,d 'ks;jiwa th dk 'ks;j çkIr djsAa
¼[k½ ;fn fdlku & mRiknd daiuh dks LohÑr fd;k
x;k vuqnku mlds lHkh 'ks;j èkkjd lnL;ksa dks de
ls de ,d 'ks;j dk lqfuP; djus ds fy, i;kZIr
ugha gksrk gS] rks vuqnku dk vkcaVu 'ks;jèkkjdksa
dh orZeku 'ks;jèkkfjrk ds vkèkkj ij fd;k tk,xk
ftldh 'kq:vkr lac) xfrfofèk;ksa ds ekeys esa
lcls de Ñf"k tksr okys 'ks;j èkkjd lcls NksVs
mRiknd ls gksxh vFkok tgka bl çdkj dh igpku
laEHko ugha gksxh] bldk vkcaVu ikjn'khZ :i ls
ykVjh ds ekè;e ls fd;k tk,xkA
v. 
fdlku mRiknd daiuh dks vuqefr gksxh fd os çR;sd
fdlku & mRiknd daiuh ds fy, çnÙk 10 yk[k :i,
dh Åijh lhek ds vèkhu çFke vkosnu ds nks lky dh
vofèk ds vanj vfèkd ls vfèkd nks [ksiksa esa 'ks;j iath
vuqnku dk vkgj.k dj ldrs gS]a rFkk ml lek ds vèkhu
;g 10 yk[k :i, lexz Åijh lhek ds vanj vfrfjDr
lerqY; vuqnku ds fy, vgZd gksus ds fy, vfrfjDr
lnL; 'ks;j iwt a h tqVkus esa leFkZ gksrh gSA nwljh [ksi
ds vuqjkèk dks u, vkosnu ds :i esa ekuk tk,xk rFkk
leqfpr lkoèkkuh dh lewph çfØ;k nksgjk;h tk,xhA
vi. ,slh fLFkfr eas tc dksbZ 'ks;j èkkjd] tks dk;kZUo;u
,tsalh }kjk LohÑr 'ks;jiwath vuqnku ds fo:)
fdlku & mRiknd daiuh }kjk tkjh vfrfjDr 'ks;j
çkIr djrk gS] 'ks;j çkIr djus ds ckn fdlh le;
fdlku & mRiknd daiuh NksM+ nsrk gS] rks 'ks;j
iwath vuqnku ds cnys esa mlds }kjk çkIr vfrfjDr
'ks;j rFkk mlds uke esa èkkfjr fo|eku 'ks;j dks
mlds fudyus dh rkjh[k ls 90 fnu ds vanj [kqys
,oa ikjn'khZ :i eas ykVjh ds ekè;e ls fdlku &
5
him/her in lieu of the Equity Grant and standing
in his/her name must be transferred to another
shareholder or new shareholder within 90 days
of his/her exiting the FPC, through an open
and transparent draw of lots. In such cases, the
original shareholder cannot receive the value
of the additional shares transferred to other/
new members.
vii. SFAC shall have the right to recall the Equity
Grant amount from the FPC ,which shall be
legally liable to comply with the same in the
case of:
a). Failure to issue additional shares to members
against the Equity Grant received by the FPC
within 45 days of its receipt, and
b). Closure/Dissolution of FPC within three years
of the receipt of the Equity Grant.
c). Instances of misuse / misappropriation of
the Equity Grant (viz. use of funds for activity
other than mentioned in Memorandum of
Association/Articles of Association/ Business
plan of the FPC) of the Equity Grant
7. Application for Equity Grant Fund
Eligible FPCs that meet the eligibility criteria detailed
in Section 5, shall apply for the Equity Grant in the
prescribed Application Form only (Annexure
1). 
Other mandatory documents required to be
submitted along with the Application are listed
below:
i. Shareholder List and Share Capital contribution
by each member verified and certified by a
Chartered Accountant (CA) prior to submission.
ii. Resolution of the FPC Board/Governing Council
to seek Equity Grant for members.
iii. Consent of shareholders, stating name of
shareholder, gender, number of shares held,
face value of shares, land holding, signifying
consent for SFAC to directly transfer the equity
Grant sanctioned to the FPC on their behalf, to
FPC Bank account, against the consideration
of additional shares of equivalent value to be
issued to them by FPC and on exit- transfer of
the shares as per rules.
Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
iv. Audited Financial Statements of FPC for a
minimum 1 year /for all years of existence of
the FPC if formed less than three years prior
to application/ for the last 3 years for FPCs
in existence for 3 years or more, verified and
certified by a Chartered Accountant (CA) prior to
submission.
v. Photocopy of Bank Account Statement for
last six months authenticated by the Branch
Manager of the “Bank”.
vi. Business Plan of FPC and budget for next 18 months.
vii. Names, photographs, and identity proof
(any one from among ration card, Aadhaar
card, election identification card, passport) of
Representatives/ Directors authorised by the
Board for executing and signing all documents
under the Scheme.
viii. Each page of the Application Form and
accompanying documents shall be signed by
a minimum of two Board Member /Authorised
Representatives of the FPC.
8. Institutional Due Diligence
The Implementing Agency shall undertake a
due diligence process to establish the credibility,
sustainability and viability of the FPC, before taking
a decision on its application for Equity Grant. The
Due diligence shall cover the following aspects:
a). Governance;
b). Business and Business Plan Viability;
c). Management Capability;
d). Financials.
Due diligence shall be conducted through Desk
Appraisal on the basis of documents received and a
Field Visit to the FPC and its Promoter Organisation
if applicable.
9. Sanction
i. An Equity Grant Sanction Committee (EGSC)
with four members, the Managing Director SFAC
as Chairman, two officers of the organisation
nominated by MD, SFAC and an external sector
expert, also nominated by MD, SFAC, shall
be constituted for the purpose of evaluating

mRiknd daiuh ds nwljs 'ks;j èkkjd dks ;k u, 'ks;j
èkkjd dks vo'; varfjr fd;k tkuk pkfg,A bl
rjg ds ekeyksa esa ewy 'ks;jèkkjd vU; u, lnL;ksa
dks varfjr vfrfjDr 'ks;jksa dk ewY; çkIr ugha dj
ldrk gSaA
vii. 
y?kq Ñ"kd Ñf"k O;kikj la?k dks fdlku & mRiknd
daiuh ls 'ks;jiwath vuqnku dh jkf'k okil ekaxus dk
vfèkdkj gksxk] tks fuEufyf[kr ds ekeys esa dkuwuh rkSj
ij vuqikyu djus ds fy, ckè; gksxh%
¼d½  fdlku & mRiknd daiuh }kjk çkIRk 'ks;j iwt a h
vuqnku ds fo:) lnL;ksa dks bldh çkfIR dh rkjh[k
ls 45 fnu ds vanj vfrfjDr 'ks;j tkjh djus esa
leFkZ u gksuk]
¼[k½ 'ks;jiwt a h vuqnku dh çkfIr dh rkjh[k ls 3 lky ds
vanj fdlku & mRiknd daiuh dk can gksuk Hkax
gksuk] vkSj
¼x½  'ks;jiwath vuqnku ds nq:ç;ksx@'ks;j iwath
vuqnku ds xyr ç;ksx ds ekeys ¼mnkgj.k ds
fy,] fdlku & mRiknd daiuh ds laLFkk ds
varfuZ;e@laLFkk ds cfgfuZ;e@dkjksckj ;kstuk
esa mfYyf[kr xfrofèk ds fHkUu xfrfofèk ds fy,
fufèk;ksa dk ç;ksx djuk½A
7- 'ks;jiwath vuqnku fufèk ds fy, vkosnu
[kaM 5 esa mfYyf[kr ik=rk ds ekunaMksa dks iwjk djus okyh
ik= fdlku & mRiknd daifu;ka dsoy fuèkkZfjr vkosnu i=
¼vuqcaèk 1½ esa 'ks;j iwath vuqnku ds fy, vkosonu djsaxhA
vkosnu i= ds lkFk vfuok;Z :i ls tek fd, tkus okys vU;
nLrkostksa dh lwph uhps nh xbZ gS%
i.  'ks;j èkkjd lwph rFkk çR;sd lnL; }kjk 'ks;j iwath
va'knku tks çLrqr fd, tkus ls iwoZ fdlh lunh
ys[kkdkj ¼lh ,½ }kjk fofèkor :i ls lR;kfir ,oa
çekf.kr gksA
ii. lnL;ksa ds fy, 'ks;j iwath vuqnku çkIr djus ds fy,
fdlku & mRiknd daiuh ds funs'kd eaMy@'kklh
ifj"kn dk ladYiA
iii. fdlku & mRiknd }kjk mudks tkjh fd, tkus okys
lerqY; ewY; ds vfrfjDr 'ks;jksa dh x.kuk ds fo:)
rFkk fudy tkus dh fLFkfr esa fu;ekuqlkj 'ks;jksa ds
varj.k ij fdlku & mRiknd daiuh ds cSad [kkrs esa
viuh vksj ls fdlku & mRiknd daiuh dks LohÑr
'ks;j iwath vuqnku ds lhèks varj.k ds fy, y?kq Ñ"kd
Ñf"k O;kij la?k ds fy, lgefr ds çfrd ds :i esa
'ks;jèkkjdksa dh lgefr ftlesa 'ks;jèkkjd dk uke] fyax]
mlds }kjk èkkfjr 'ks;j dh la[;k] 'ks;jksa dk vafdr
ewY;] tksr vkfn dk mYys[k gksA
fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
5
iv. 
;fn fdlku & mRiknd daiuh dk xBu rhu lky ls
de igys fd;k x;k gS] rks de ls de ,d o"kZ ds fy,
vkSj ;fn ;g rhu lky ;k vfèkd vofèk ds fy, vfLrRo
esa gS] rks vfLrRo esa gksus ds lHkh o"kks± ds fy, fdlku
& mRiknd daiuh dk ys[kk ijhf{kr foÙkh; fooj.k]
tks vkosnu çLrqr djus ls iwoZ fdlh lunh ys[kkdkj
¼lh ,½ }kjk fofèkor :i ls lR;kfir ,oa çekf.kr gksuk
pkfg,A
v. de ls de 6 eghuksa dh cSad [kkrk fooj.k dh Nk;kçfr]
tks cSad ds 'kk[kk çcaèkd }kjk çekf.kr gksuh pkfg,A
vi. vxys 18 eghuksa dh fdlku & mRiknd daiuh dh
dkjksckj ;kstuk ,oa ctVA
vii. 
;kstuk ds rgr lHkh nLrkostksa dks rS;kj djus ,oa mu
ij gLrk{kj djus ds fy, cksMZ }kjk fofèkor vfèkÑr
çfrfufèk;ksa funs'kdksa dk uke] Nk;k fp= vkSj igpku
dk çek.k ¼jk'ku dkMZ] vkèkkj dkMZ] ernkrk igpku i=
ikliksVZ esa ls dksbZ Hkh½A
viii. vkosnu i= ds çR;sd i`"B ij rFkk blds lkFk layXu
lHkh nLrkostksa ds çR;sd i`"B ij fdlku & mRiknd
daiuh ds de ls de nks cksMZ lnL;ksa vfèkÑr çfrfufèk;ksa
}kjk gLrk{kj gksuk pkfg,A
8- laLFkkfud leqfpr lkoèkkuh
d;kZUo;u ,tsalh 'ks;jiwath vuqnku ds fy, fdlku &
mRiknd daiuh ds vkosnu ij dksbZ fu.kZ; ysus ls iwoZ fdlku
& mRiknd daiuh dh fo'oluh;rk] èkkj.kh;rk ,oa O;ogk;Zrk
LFkkfir djus ds fy, leqfpr lkoèkkuh dh çfØ;k ds varxZr
fuEufyf[kr ckrsa 'kkfey gksaxh%
¼d½ vfHk'kklu
¼[k½ dkjksckj ,oa dkjksckj ;kstuk dh O;ogk;Zrk
¼x½ çcaèku dh lkeF;Z
¼?k½ foÙkh; lkeF;Z
çkIRk nLrkostksa rFkk fdlku & mRiknd daiuh ds nkSjs ds
vkèkkj ij vkSj ;fn ykxw gksxk] rks mlds çorZd laxBu
ds nkSjs ds vkèkkj ij MsLd ewY;kadu ds ekè;e ls leqfpr
lkoèkkuh dk lapkyu fd;k tk,xkA
9- LohÑfr
i. 
bl ;kstuk ds rgr çkIr vkosnuksa dk ewY;kadu djus
ds ç;kstu ls ,d 'ks;j iwt a h vuqnku LohÑfr lfefr
¼bZ th ,l lh½ dk xBu fd;k tk,xk ftlesa 4 lnL;
gksx
a As y?kq Ñ"kd Ñf"k O;kikj la?k ds çcaèk funs'kd blds
vè;{k gksxa s rFkk laxBu ds nks vfèkdkjh y?kq Ñ"kd Ñf"k
O;kikj la?k ds çcaèk funs'kd }kjk ukfer fd, tk,axs rFkk
,d cká {ks= dk fo'ks"kK gksxk] vkSj bls Hkh y?kq Ñ"kd
6

applications received under this Scheme. The with the respective Folio Numbers, verified and
EGSC, meeting under the Chairmanship of MD, certified by a Chartered Accountant (CA), within
SFAC, shall have full authority to decide on the 45 days of the funds having been received by it.
applications and its decision in this regard shall
be final. ii. If the FPC does not honour its commitment in any
manner whatsoever, either in the matter of issuing
ii. Sanction of Equity Grant by EGSC shall be shares or in notifying SFAC within the specified
conveyed to the FPC through a Sanction Letter time limit, the Equity Grant amount sanctioned
issued within 7 working days of the decision and released by SFAC to the FPC is liable to be
of the EGSC, which shall include, inter alia, the cancelled and recalled by SFAC, as detailed in the
following conditions: Agreement between SFAC and FPC.
a). On receipt of the sanctioned Equity Grant
amount, the FPC shall allot additional shares 12. Arbitration
to its shareholder members on the basis
In the event of violation of any of the terms and
specified in the Scheme within the 45 day
conditions herein contained or contained in the rules
time-line.
or any of the instructions issued by SFAC from time
b). The FPC shall communicate to SFAC the details
to time or instances of misuse/misappropriation of
of additional share certificates issued by it to
the Equity Grant sanctioned and released to FPC
members against the Equity Grant received.
by SFAC, SFAC shall have the right to demand and
c). SFAC shall be authorised to examine the
enforce forthwith repayment of the entire amount
accounts of the recipient and supporting
of Equity Grant sanctioned by SFAC.
documents at any time during the period
of its Agreement with FPC. The recipient
The Agreement between SFAC and the FPC is
agrees to provide all relevant information
governed and construed according to the laws
or explanations that SFAC may reasonably
of India. Controversies and claims arising out of/
request.
relating to this Agreement, or the breach thereof,
d). In support of the above commitments, the
shall be settled through Legal process or Arbitration
FPC shall enter into an Agreement with SFAC
at Delhi. However, before taking any legal action, the
before the Equity Grant can be disbursed.
parties shall endeavour to mobilise all efforts and
e). In case of any transgression or noncompliance
to enter into discussions in order to find a mutually
by the FPC of the Terms and Conditions of the
acceptable settlement by direct negotiation.
Agreement, SFAC shall recall the Equity Grant
and the FPC shall be bound to comply with the
same, failing which SFAC shall take recourse to
legal action within the purview of the Scheme.

10. Disbursement
i. After accepting the terms of sanction, the FPC
shall enter into Agreement with SFAC.

ii. SFAC shall transfer sanctioned funds to the FPC

Account.

11. Compliance and Verification

The FPC shall submit the following documents to SFAC:
i. List of additional shares issued by it to its
shareholder members under the Scheme, along

Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines

Ñf"k O;kikj la?k ds çcaèk funs'kd }kjk ukfer fd;k
tk,xkA y?kq Ñ"kd Ñf"k O;kikj la?k ds çcaèk funs'kd dh
vè;{krk esa 'ks;j iwt a h vuqnku LohÑfr lfefr dh cSBd
dks vkosnuksa ij fu.kZ; ysus dk iw.kZ vfèkdkj gksxk rFkk
blds fu.kZ; bl lacèa k esa vafre gksx a As
ii. 'ks;j iwta h vuqnku LohÑfr lfefr ds fu.kZ; dh rkjh[k
ls 7 dk;Z fnol ds vanj tkjh fd, x, LohÑr i=
ds ekè;e ls fdlku & mRiknd daiuh dks 'ks;j iwt a h
vuqnku LohÑfr lfefr }kjk LohÑr 'ks;j iwt a h vuqnku
ds ckjs esa lwfpr fd;k tk,xk] ftlesa vU; ckrksa ds lkFk
fuEufyf[kr 'krs± 'kkfey gksx a h%
¼d½  'ks;j iwta h vuqnku dh LohÑr jkf'k çkIr gksus ij
fdlku & mRiknd daiuh 45 fnu dh fuèkkZfjr le;
lhek ds vanj ;kstuk esa fufnZ"V vkèkkj ij vius
'ks;j èkkjd lnL;ksa dks vfrfjDr 'ks;jksa dk vkcaVu
djsxhA
¼[k½ fdlku & mRiknd daiuh y?kq Ñ"kd Ñf"k O;kikj
la?k dks çkIr 'ks;j iwta h vuqnku ds fo:) lnL;ksa
dks Lo;a }kjk tkjh vfrfjDr 'ks;j çek.k i=ksa dks
C;kSjk Hkstx
s hA
¼x½  y?kq Ñ"kd Ñf"k O;kikj la?k fdlku & mRiknd
daiuh ds lkFk vius djkj dh vofèk ds nkSjku
fdlkh Hkh le; çkIrdrkZ ds [kkrksa rFkk leFkZd
nLrkostksa dh tkap djus ds fy, vfèkÑr gksxkA
çkIrdrkZ ,slh lHkh laxr lwpuk,a ;k Li"Vhdj.k
çnku djus fy, lger gS ftlds fy, y?kq Ñ"kd
Ñf"k O;kikj la?k rdZlx a r :i ls vuqjksèk dj ldrk
gSA
¼?k½  mi;qDr çfrc)rkvksa ds leFkZu es]a fdlku &
mRiknd daiuh 'ks;j iwt a h vuqnku ds forj.k ls iwoZ
y?kq Ñ"kd Ñf"k O;kikj la?k ds lkFk djkj djsxhA
¼M-½ fdlku & mRiknd daiuh }kjk djkj dh 'krks± ,oa
fu;eksa dk vuqikyu u fd, tkus ;k fdlh vfrØe.k
dh fLFkfr esa y?kq Ñ"kd Ñf"kO;kikj la?k 'ks;j iwt a h
vuqnku okil ekax ysxk rFkk fdlku & mRiknd
daiuh bldk ikyu djus ds fy, ckè; gksxh rFkk
vuqikyu u gksus ij y?kq Ñ"kd Ñf"k O;kikj la?k
;kstuk ds nk;js ds vanj dkuwuh dkjZokbZ dk lgkjk
ysxkA
10- laforj.k
i. 
LohÑfr dh 'krks± dks Lohdkj djus ds ckn] fdlku &
mRiknd daiuh y?kq Ñ"kd Ñf"k O;kikj la?k ds lkFk
djkj djsxhA
ii. y?kq Ñ"kd Ñf"k O;kikj la?k fdlku & mRiknd daiuh ds
[kkrs esa LohÑfr fufèk;ka varfjr djsxkA
fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
6
11- vuqikyu ,oa lR;kiu
fdlku & mRiknd daiuh y?kq Ñ"kd Ñf"kO;kikj la?k dks
fuEufyf[kr nLrkost çLrqr djsxh%
i. fufèk çkIr gksus dh rkjh[k ls 45 fnu ds vanj ;kstuk
ds rgr vius 'ks;j èkkjd lnL;ksa dks tkjh fd, x,
vfrfjDr'ks;jksa dh lwph rFkk lacfa èkr vèkiUukk la[;k
tks fdlh lunh ys[kkdkj }kjk fofèkor :i ls lR;kfir
,oa çekf.kr gksuk pkfg,A
ii. ;fn fdlku & mRiknd daiuh fdlh Hkh <ax ls 'ks;j
tkjh djus ds ekeys esa ;k fuèkkZfjr le; lhek ds vanj
y?kq Ñ"kd Ñf"kO;kikj la?k dks lwfpr djus ds ekeys esa
viuh çfrc)rk dks iwjk ugha djrh gS] rks y?kq Ñ"kd
Ñf"k O;kikj la?k ,oa fdlku & mRiknd daiuh ds chp
djkj esa mYys[k ds vuqlkj fdlku & mRiknd daiuh
dks y?kq Ñ"kd Ñf"kO;kikj la?k }kjk LohÑfr ,oa tkjh dh
xbZ 'ks;jiwt
a h vuqnku dh jkf'k jí dh tk ldrh gS rFkk
y?kq Ñ"kd Ñf"k O;kikj la?k }kjk ;g jkf'k okil eaxk;h
tk ldrh gSA
12- iap QSlyk
;gka mfYyf[kr ;k le; & le; ij y?kq Ñ"kd Ñf"k O;kikj
la?k }kjk fdlh vuqn's k ;k fu;eksa esa fufgr 'krks± ,oa fu;eksa
esa ls fdlh ,d ds mYya?ku dh fLFkfr esa vFkok fdlku &
mRiknd daiuh dks y?kq Ñ"kd Ñf"k O;kikj la?k }kjk LohÑr
,oa tkjh 'ks;jiwt
a h vuqnku ds nq:i;ksx ;k xyr ç;ksx ds
ekeys esa y?kq Ñ"kd Ñf"k O;kikj la?k dks ;g vfèkdkj gksxk
fd og y?kq Ñ"kd Ñf"k O;kikj la?k }kjk LohÑr 'ks;jiwt a h
vuqnku dh lewph jkf'k dh ekax dj lds vkSj rRdky çHkko
ls vnk;xh ykxw dj ldsA
y?kq Ñ"kd Ñf"k O;kikj la?k vkSj fdlku & mRiknd daiuh ds
chp djkj Hkkjr ds dkuwuksa ds vuqlkj vfHk'kkflr ,oa fufeZr
gSA bl djkj ls mRiUu ;k blls lacfa èkr fooknksa ,oa nkoksa
vFkok blds mYya?ku dk fuiVkjk fnYyh esa iap QSlyk ;k
dkuwuh çfØ;k ds ekè;e ls fd;k tk,xkA rFkkfi] dksbZ dkuwuh
dkjZokbZ djus ls iwoZ i{kdkj lhèkh okrkZ ds ekè;e ls dksbZ
ijLij Lohdk;Z lekèkku fudkyus ds fy, ckrphr djus ,oa
lHkh laHko mi;ksa dk ç;ksx djus ds fy, ç;RUk djsx a As
7
PART B: CREDIT GUARANTEE
FUND (CGF)
1. Period of Implementation
The CGF shall be implemented from Financial Year
(FY) 2013-14 onwards.
2. Implementing Agency
The CGF shall be operated by Small Farmers Agri
Business Consortium (SFAC) through lending
institutions.
3. Definitions Banks, NCDC, NABARD and its subsidiaries,
i. Amount in Default means the principal and
interest amount outstanding in the account(s) of
the Farmer Producer Company (FPC) Borrower
in respect of term loan and working capital
facilities (including interest), as on the date of the
account becoming Non Performing Asset (NPA),
or the date of lodging claim application/recall of
advance, whichever is earlier or such of the date
as may be specified by SFAC for preferring any
claim against the guarantee cover, subject to a
maximum of amount Guaranteed and shall not
include penal interest, other charges and any
other costs debited to the FPC by the Eligible
Lending Institution (ELI);
Annual Service Fee means the annual fee
ii. 
payable to SFAC at a specified rate on the
amount outstanding in the Bank’s Books on the
specified date;
Collateral security means the security
iii. 
provided in addition to the primary security, in
connection with the credit facility extended by
an Eligible Lending Institution to a borrower;
Credit Facility means any financial
iv. 
assistance(fund based and/or non-fund based)
extended by an Eligible Lending Institution (ELI)
to an Eligible Borrower without any Collateral
Security or Third Party Guarantee ;
Credit Guarantee Fund: means the Credit
v. 
Guarantee Fund for FPCs created by GOI with
SFAC for the purpose of extending guarantee
Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
to the eligible lending institution(s) against
their collateral free lending to eligible FPCs;
Eligible Borrower: means a new or existing
vi. 
FPC, meeting Eligibility Criteria laid down under
the Scheme, seeking credit facility from Eligible
Lending Institutions under the Scheme, without
any Collateral Security or Third Party Guarantee;
vii. Eligible Lending Institution (ELI): means a
Scheduled Commercial Bank for the time being
included in the second Schedule to the Reserve
Bank of India Act, 1934, and Regional Rural
NEDFi, or any other institution (s) as may be
decided by the SFAC Board or as directed by the
Government of India from time to time ;
viii. Farmer Producer Company (FPC): means
a Company of Farmer Producer Members as
defined in section IXA of the Indian Companies
Act, 1956 (including any amendments thereto
or re-enactment thereof ) and incorporated
with the Registrar of Companies (RoC). Other
categories of farmer producer organizations
(such as cooperatives) may be considered for
inclusion at a later stage.
Guarantee Cover means maximum cover
ix. 
available per eligible FPC borrower;
Guarantee Fee means the onetime fee at
x. 
a specified rate of the eligible Credit facility
sanctioned by the ELI, payable by the ELI to SFAC;
Non Performing Asset means an asset classified
xi. 
as non-performing based on the instructions
and guidelines issued by the Reserve Bank of
India, from time to time;
xii. Primary security in respect of a credit facility
means the assets created out of the credit
facility so extended;
xiii. Tenure of Guarantee Cover means the agreed
tenure of the Term loan/ composite credit i.e.
the maximum period of Guarantee Cover from
the Guarantee start-up which shall run through

Hkkx [k% _.k xkjaVh fufèk ¼lh th ,Q½
1- dk;kZUo;u dh vofèk
lh th ,Q dks foÙk o"kZ 2013&14 ls ykxw fd;k tk,xkA
2- dk;kZUo;u ,tsalh
_.k xkjaVh fufèk dks y?kq Ñ"kd Ñf"k O;kikj la?k ¼,l ,Q
, lh½ }kjk _.knkrk laLFkkvksa ds ekè;e ls lapkfyr fd;k
tk,xkA
3- ifjHkk"kk,a }kjk tkjh fd;k tk ldrk gSA
i. 
pd
w dh jkf'k% bldk vfHkçk; lkofèk _.k rFkk dk;Z'khy
iwt
a h lqfoèkkvksa ¼C;kt lfgr½ ds lacèa k esa [kkrk ds xSj
fu"iknd ifjlaifÙk ¼,u ih ,½ cuus dh rkjh[k dks ;k
vfxze dh okilh@nkok ds fy, vkosnu nkf[ky djus
dh rkjh[k dks tks Hkh igys gks] ;k ,slh fdlkh rkjh[k dks
tks xkjaVh dh jde ds fo:) fdlh nkos ds fy, y?kq
Ñ"kd Ñf"k O;kikj la?k }kjk ialn djus ds fy, fufnZ"V
dh xbZ gks] vfèkdre xkjaVh jkf'k ds vèkhu fdlku &
mRiknd daiuh ¼,Q ih vks½ & _.kxzkgh ds [kkrs ¼[kkrks½a
esa cdk;k ewyèku ,oa O;kt dh jkf'k ls gS rFkk blesa
ik= _.knkrk laLFkk ¼bZ ,y vkbZ½ }kjk fdlku&mRiknd
daiuh ls olwyk x;k nkafMd C;kt] vU; çHkkj rFkk dksbZ
vU; ykxr 'kkfey ugha gSA
ii. 
okf"kZd lsok 'kqYd% bldk vfHkçk; fufnZ"V rkjh[k dks cSd
a 'kqYd ls gS] tks ik= _.knkrk laLFkk }kjk y?kq Ñ"kd
dh cfg;ksa esa cdk;k jkf'k ij fufnZ"V nj ls y?kq Ñ"kd
Ñf"kO;kikj la?k dks ns; okf"kZd 'kqYd ls gSA
iii. 
tekur çfrHkwfr% bldk vfHkçk;k _.kxzkgh dks ik=
_.knkrk laLFkk }kjk çnku dh xbZ _.k lqfoèkk ds
flyflys esa çkFkfed çfrHkwfr ds vykok çnku dh xbZ
çfrHkwfr ls gSA
iv. 
_.k lqfoèkk% bldk vfHkçk; fdlh tekur çfrHkwfr ;k
rhljs i{kdkj dh xkjaVh ds fcuk fdlh ik= _.kxzkgh dks
fdlh ik= _.knkrk laLFkk çnku dh xbZ fdlh foÙkh;
lgk;rk ¼fufèk vkèkkfjr vkSj ;k xSj fufèk vkèkkfjr½ ls gSA
v. 
_.k xkjaVh fufèk% bldk vfHkçk; ik= mRiknd daifu;ksa
dks _.knkrk laLFkkk dh tekur eqDr mèkjh ds fo:)
ik= _.knkrk laLFkk ¼laLFkkvks½a dks xkjaVh çnku djus
ds ç;kstu ls y?kq Ñ"kd Ñf"k O;kikj la?k ds lkFk Hkkjr
ljdkj }kjk fdlku & mRiknd daifu;ksa ds fy, l`ftr
_.k xkjaVh fufèk ls gSA
vi. ik= _.kxzkgh% bldk vfHkçk; ;kstuk ds rgr fuèkkZfjr
ik=rk ds ekinaMksa dks iwjk djus okys ubZ ;k fo|eku
fdlku & mRiknd daiuh ls gS] tks fdlh tekur
fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
7
çfrHkwfr ;k rhljs i{k dh xkjaVh ds fcuk ;kstuk ds
rgr ik= _.knkrk laLFkkvksa ds _.k lqfoèkk çkIr djuk
pkgrh gSA
vii. 
ik= _.knkrk laLFkk ¼bZ ,y vkbZ½% bldk vfHkçk;
Hkkjrh; fjtoZ cSad vfèkfu;e 1934 dh nwljh vuqlwph
esa ml le; 'kkfey fdlh vuqlwfpr okf.kfT;d cSad
rFkk {ks=h; xzkeh.k cSadksa] ,u lh Mh lh] ukckMZ rFkk
bldh lgk;d laLFkkvksa] ,u bZ Mh ,Q vkbZ ;k fdlh
vU; laLFkk ¼laLFkkvksa½ ls gS ftlds ckjs esa fu.kZ; y?kq
Ñ"kd Ñf"kO;kikj la?k ds cksMZ }kjk fy;k tk ldrk gS
;k ftlds ckjs esa funsZ'k le; & le; ij Hkkjr ljdkj
viii. fdlku & mRiknd daiuh ¼,Q ih lh½% bldk vfHkçk;
Hkkjrh; daiuh vfèkfu;e 1956 ¼blesa fdlh la'kksèku
;k bldk iqu% vfèkfu;eu lfgr½ dh èkkjk 9d esa ;Fkk
ifjHkkf"kr rFkk daiuh jftLVªkj ¼vkj- vks- lh-½ ds ;gka
fuxfer fdlku & mRiknd lnL;ksa dh daiuh ls gSA
vkxs pydj fdlku & mRiknd la?kksa dh vU; Jsf.k;ksa
¼tSls fd lgdkjh lfefr;ka½ dks Hkh 'kkfey djus ij
fopkj fd;k tk ldrk gSA
ix. 
xkjaVh dh jde% bldk vfHkçk; çR;sd ik= _.kxzkgh
fdlku & mRiknd daiuh ds fy, miyCèk jde dh
vfèkdre jde ls gSA
x. 
xkjaVh 'kqYd% bldk vfHkçk; ik= _.knkrk laLFkk }kjk
LohÑr ik= _.k lqfoèkk dh fufnZ"V nj ls ,d ckjxh
Ñf"kO;kikj la?k dks lan;
s gksxkA
xi. 
xSj fu"iknd ifjlaifÙk% bldk vfHkçk; Hkkjrh; fjtoZ
cSd
a }kjk le; & le; ij tkjh vuqn's kksa ,oa fn"kkfunsZ'kksa
ds vkèkkj ij xSj fu"iknudkjh ds :i esa oxhZÑr fdlh
ifjlaifÙk ls gSA
xii. 
çkFkfed çfrHkwfr% _.k lqfoèkk ds lacèa k esa bldk
vfHkçk; bl çdkj çnku dh xbZ _.k lqfoèkk ls l`ftr
ifjlaifÙk;ksa ls gSA
xiii. xkjaVh dh jde dk dk;Zdky% bldk vfHkçk; lkofèk
_.k@la;qDr _.k ds lger dk;Zdky vFkkZr xkjaVh dh
'kq:vkr ls ysdj xkjaVh dh jde dh vfèkdre vofèk
ls gS] tks lkofèk _.k ds lger dk;Zdky ds nkSjku
tkjh jgsxh vkSj tgka dsoy dk;Z'khy iwt a h dh lqfoèkk,a
çnku dh tkrh gSa vkSj@;k lkofèk _.k ds lkFk lrr
dk;Z'khy iwt
a h O;oLFkk eatjw dh tkrh gS] 5 o"kZ dh vofèk
;k 5 o"kZ ds CykWd ds fy, vkSj ;k _.k dk;Z'khy iwt a h
_.k ;k vU; lqfoèkkvksa dh lekfIr dh rkjh[k] tks Hkh
igys gks ;k ,slh dksbZ vofèk tks y?kq Ñ"kd Ñf"k O;kikj
la?k }kjk fufnZ"V dh tk ldrh gSA
8
the agreed tenure of the term credit, and where
working capital facilities alone are extended
and/or continuing working capital arrangements
granted along with the Term Loan, for a period of
5 years or block of 5 years and/or loan / working
capital credit or other facilities’ termination date,
whichever is earlier or such period as may be
specified by the SFAC;
xiv. Year means Financial Year, beginning April 1
and ending March 31;
Quarter / Quarterly basis shall mean April 01
xv. 
to June 30, July 01 to September 30, October
01 to December 31 and January 01 to March 31
wherever relevant.
4. Objectives of the Credit Guarantee Fund
The Fund has been set up with the primary
objective of providing a Credit Guarantee Cover to
ELI to enable them to provide collateral free credit
to FPCs by minimising their lending risks in respect
of loans not exceeding Rs. 100.00 lakhs.
5. Eligibility Criteria for FPC
An ELI can avail Credit Guarantee for the following FPC:
i. It is a duly registered FPC as defined in Section
3. Definition viii.
ii. It has raised equity from its Members as laid
down in its Articles of Association/ Bye laws.
iii. The number of its individual shareholders shall
not be lower than 500
iv. Minimum 33% of its shareholders are small,
marginal and landless tenant farmers
v. Maximum shareholding by any one member
other than an Institutional member is not more
than 5% of total equity of the FPC.
vi. It has a duly elected/nominated Board with
a minimum of five Members and having
adequate representation from farmers and
minimum one woman member.
vii. It has a duly elected Management Committee.
Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
viii. It has a business plan and budget for 18 months.
ix. The Bank ELI has extended / sanctioned within
six months of the date of application for the
Guarantee or /in principle agreed in writing /
has expressed willingness in writing to sanction
Term Loan/ Working Capital/ Composite Credit
Facility without any collateral security or third
party guarantee including personal guarantee
of Board Members.
6. Credit Facilities Eligible under CGF SFAC
shall cover:
i. Credit facilities (Fund based and/or Non fund
based) already sanctioned / extended within six
months from the date of the application for the
Guarantee Cover or intended to be extended
singly or jointly by one or more than one Eligible
Lending Institution(s) to a single eligible FPC
borrower by way of term loan and/or working
capital/composite credit facilities without any
collateral security and/or third party guarantees.
ii. The ELI can extend credit without any limit;
however, the Guarantee Cover shall be limited to
the maximum guarantee cover specified under
the Scheme. Provided that the Credit Facility is
extended without any collateral security and/or
third party guarantees.
7. Non-Eligibility
The following credit facilities shall not be eligible for
Guarantee Cover under the Scheme: -
i. Any credit facility which has been sanctioned by
the ELI against collateral security and/ or third
party guarantee.
ii. Any credit facility in respect of which risks
are additionally covered under any scheme
operated/administered by Reserve Bank of
India/or by the Government/or by any general
insurer or any other person or association of
persons carrying on the business of insurance,
guarantee or indemnity.
iii. Any credit facility, which does not conform to,
or is in any way inconsistent with, the provisions

xiv. o"kZ% bldk vfHkçk; foÙk o"kZ ls gS ftldh 'kq:vkr 1
vçSy ls gksrh gS rFkk lekfIr 31 ekpZ dks gksrh gSA
xv. 
frekgh@frekgh vèkkj ij% bldk vfHkçk; 1 vçSy ls 30
twu] 1 tqykbZ ls 30 flracj] 1 vDVwcj ls 31 fnlacj
vkSj 1 tuojh ls 31 ekpZ] tks Hkh laxr gks] ls gSA
4- _.k xkjaVh fufèk ds mís';
bl fufèk dk xBu ik= _.knkrk laLFkkvksa dks _.k xkjaVh
jde miyCèk djkus ds çkFkfed mís'; ls fd;k x;k gS rkfd
os vfèkd ls vfèkd 100 yk[k :i, ds _.k ds lacèa k esa _.k
çnku djus ds vius tksf[keksa dks de djrs gq, fdlku &
mRiknd daifu;ksa dks tekur ds fcuk _.k çnku djus esa
leFkZ gks ldsAa
5- fdlku & mRiknd daifu;ksa ds fy, ik=rk ds ekinaM
ik= _.knkrk laLFkk fuEufyf[kr fdlku & mRiknd daifu;ksa
ds fy, _.k xkjaVh çkIr dj ldrh gS%
i. ;g mi;qDr 3 ¼8½ esa nh xbZ ifjHkk"kk ds vuqlkj fofèkor
:i ls iathÑr fdlku & mRiknd daiuh gS(
ii. 
vius laLFkk ds varfuZ;e@mi fu;eksa esa çkoèkku ds
vuqlkj blus vius lnL;ksa ls 'ks;j iwt
a h tqVk;h gS(
iii. blds O;fDrxr 'ks;j èkkjdksa dh la[;k 500 ls de ugha
gS(
iv. blds de ls de 33 çfr'kr 'ks;j èkkjd NksV]s lhekar
,oa Hkwfeghu dk'rdkj fdlku gS(a
v 
fdlh laLFkkfud lnL; ls fHkUu fdlh ,d lnL; }
kjk èkkfjr 'ks;jksa dh vfèkdre la[;k fdlku & mRiknd
daiuh dh dqy 'ks;j iwt a h ds 5 çfr'k ls vfèkd ugha gS(
vi bldk ,d fofèkor :i ls pquk x;k@euksuhr fd;k x;k
funs'kd eaMy gS ftlesa de ls de 5 lnL; gSa rFkk
fdlkuksa dk i;kZIr çfrfufèkRo gSa vkSj blesa de ls de
,d efgyk lnL; gS(a
vii bldh fofèkor :i ls fuokZfpr ,d çcaèk lfefr gS(
viii bldh 18 eghuksa ds fy, ,d dkjksckj ;kstuk ,oa ctV
gS(
ix cSd
a & ik= _.knkrk laLFkk us xkjaVh ds fy, vkosnu
dh rkjh[k ls 6 eghus ds vanj tekur çfrHkwfr ;k rhljs
i{kdkj dh xkjaVh ftlesa cksMZ ds lnL;ksa dh futh xkjaVh
'kkfey gS] ds fcuk lkofèk _.k@dk;Z'khy iwt a h@la;qDr
_.k lqfoèkk LohÑr djus ds fy, fyf[kr esa rRijrk
O;Dr dh gS LohÑr fd;k gS@çnku fd;k gS@lS)kafrd
:i ls fyf[kr esa lgefr O;Dr dh gS
fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
8
6- _.k xkjaVh fufèk ds varxZr ik= _.k lqfoèkk,a
y?kq Ñ"kd Ñf"k O;kikj la?k fuEufyf[kr dks 'kkfey djsxk%
i. 
fdlh tekur çfrHkwfr vkSj@;k rhljs i{kdkj dh
xkjaVh ds fcuk lkofèk _.k vkSj@;k dk;Z'khy iwath@
la;qDr _.k lqfoèkk ds :i esa fdlh ,dy ik=
fdlku & mRiknd daiuh & _.kxzkgh dks ,d ;k
,d ls vfèkd ik= _.knkrk laLFkk ¼laLFkkvksa½ }kjk
vdsys ;k la;qDr :i esa xkjaVh dh jde ds fy,
vkosnu dh rkfj[k ls 6 ekg ds vanj igys ls gh
LohÑr@çnku fd, x, ;k çnku djus ds fy,
vk'kf;r _.k lqfoèkk ¼fufèk vkèkkfjr vkSj@;k xSj
fufèk vkèkkfjr½A
ii. ik= _.knkrk laLFkk fdlh lhek ds fcuk _.k çnku
dj ldrh gS( rFkkfi] xkjaVh dh jde bl ;kstuk ds
varxZr fufnZ"V xkjaVh dh vfèkdre jde rd lhfer
gksxh] ijarq _.k dh lqfoèkk fdlh tekur çfrHkwfr
vkSj@;k rhljs i{kdkj dh xkjaVh ds fcuk çnku djuh
gksxhA
7- xSj ik=rk
fuEufyf[kr _.k lqfoèkk,a bl ;kstuk ds rgr xkjaVh dh jde
ds fy, ik= ugha gksx
a h%
i. dksbZ _.k lqfoèkk ftls ik= _.knkrk laLFkk }kjk tekur
çfrHkwfr vkSj@;k rhljs i{kdkj dh xkjaVh ds fo:)
LohÑr fd;k x;k gSA
ii. dksbZ _.k lqfoèkk ftlds lacèa k esa tksf[keksa dks Hkkjrh;
fjtoZ cSd
a }kjk vkSj@;k ljdkj }kjk vkSj@;k fdlh
lkekU; chekdrkZ ;k chek] xkjaVh ;k {kfriwfrZ dk dkjksckj
djus okys fdlh vU; O;fDr ;k O;fDr;ksa ds la?k }kjk
çpkfyr@lapkfyr fdlh ;kstuk ds rgr vfrfjDr :i
ls 'kkfey fd;k x;k gSA
iii. dksbZ _.k lqfoèkk tks fdlh dkuwu ds çkoèkkuksa ;k dsæ
a
ljdkj vFkok Hkkjrh; fjtoZ cSd
a }kjk tkjh fdlh funsZ'k
;k fgnk;r] tks mld le; ykxw gS] ds vuq:i ugha gS
vFkok mlls fdlh :i esa vlaxr gSA
iv. fdlh ,sls _.kxzkgh dks eatjw dh xbZ dksbZ _.k lqfoèkk]
ftlus Lo;a bl ;kstuk ds rgr ;k Åij [kaM 1]2 ,oa 3
esa mfYyf[kr ;kstukvksa ds rgr 'kkfey dksbZ vU; _.k
lqfoèkk fdlh Hkh le; çkIr dh gSA
v. 
dksbZ _.k lqfoèkk ftldks pqdrk djus dk le; chr
x;k gS@fdlh vU; _.knkrk ls ik= foÙkh; laLFkk }kjk
vfèkxzghr ,u ih , ;k dksbZ vU; pwd ftls _.k lqfoèkk
esa ifjofrZr fd;k x;k gSA
9
of any law, or with any directives or instructions
issued by the Central Government or the
Reserve Bank of India, which is, for the time
being, in force.
iv. Any credit facility granted to any borrower,
who has himself availed of any other credit
facility covered under this scheme or under the
schemes mentioned in clause (i), (ii) and (iii)
above at any point in time.
v. Any credit facility that is overdue for repayment/
NPA taken over by the ELI from any other lender
or any other default converted into a credit
facility.
vi. Any credit facility which is overdue for
repayment.
vii. Any credit facility which has been rescheduled
or restructured on becoming overdue for
repayment.
8. Credit Guarantee Cover
i. ELI shall be eligible to seek Guarantee Cover for
a credit facility sanctioned in respect of a single
FPC borrower for a maximum 2 times over a
period of 5 years.
ii. Maximum Guarantee Cover shall be restricted
to the extent of 85% of the eligible sanctioned
credit facility, or to Rs. 85 Lakh, whichever is
lower.
iii. In case of default, claims shall be settled up
to 85% of the amount in default subject to
maximum cover as specified above.
iv. Other charges such as penal interest,
commitment charge, service charge, or any
other levies/ expenses, or any costs whatsoever
debited to the account of FPC by the ELI other
than the contracted interest shall not qualify for
Guarantee Cover.
v. The Cover shall only be granted after the ELI
enters into an agreement with SFAC, and shall be
granted or delivered in accordance with the Terms
Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
and Conditions decided upon by SFAC from time
to time.
9. Application for Guarantee Cover
The ELI shall be required to apply to SFAC for
Guarantee Cover in the specified form only
(Annexure 3) for credit proposals sanctioned by
them during any quarter prior to expiry of the
following quarter viz., application w.r.t. credit facility
sanctioned in April–June Quarter must be submitted
in the ensuing quarter, i.e. July-September to qualify
for consideration under the Scheme.
10. Sanction
SFAC shall
i. Scrutinize the proposal before sanctioning the
Guarantee Cover to the ELI under the Scheme
in accordance with the Terms and Conditions of
the Scheme.
ii. Insofar as it may be considered necessary, for
the purposes of the Scheme, inspect or call for
copies of the Books of Account and other records
(including any Book of Instructions or Manual or
Circulars covering general instructions regarding
Conduct of Advances) of the Lending Institution
or of the Borrower from the Lending Institution.
iii. Such Inspection shall be carried out either
through the officers of SFAC or any other
agency appointed by SFAC for the purpose of
Inspection.
iv. The Investment and Claims Settlement Committee
(I&CSC) shall sanction the Guarantee Cover to the
concerned Bank based on the findings of the above.
v. The ELI shall enter into an Agreement with SFAC at
the level of the Bank Branch Manager (Annexure 4).
11. Guarantee Fees
i. The Fee payable to SFAC by the ELI for Guarantee
Cover in respect of an Eligible Credit Facility
granted by it to an FPC Borrower under the
Scheme is a onetime Guarantee Fee calculated
@ 0.85% of the sanctioned Credit Facility,
subject to a maximum of Rs. 85,000/- (Rs. Eighty
Five Thousand only).

vi. dksbZ _.k lqfoèkk ftldks pqdrk djus dk le; chr x;k
gSA
vii. 
dksbZ _.k lqfoèkk ftldks pqdrk djus dk le; chr
tkus ij iqu% vuqlfw pr ;k iquxZfBr fd;k x;k gSA
8- _.k xkjaVh dh jde
i. ik= _.knkrk laLFkk 5 o"kZ dh vofèk esa vfèkdre nks ckj
,dy fdlku & mRiknd daiuh _.kxzkgh ds lacèa k esa
LohÑr _.k lqfoèkk ds fy, xkjaVh dh jde çkIR djus
ds fy, ik= gksxhA
ii. xkjaVh dh vfèkdre jde ik= LohÑr _.k lqfoèkk ds
85 çfr'kr ;k 85 yk[k :i,] tks Hkh de gks] rd lhfer
gksxhA
iii. 
pd
w ds ekeys es]a Åij fufnZ"V vfèkdre jde ds vèkh
pwd dh jkf'k ds 85 çfr'kr rd nkos dk fuiVkjk fd;k
tk,xkA
iv. lafonkÑr C;kt ds vykok ik= foÙkh; laLFkk }kjk
fdlku & mRiknd daiuh ds [kkrs ls dkVs x, vU;
çHkkj] tSls fd nafMd C;kt] çfrc)rk çHkkj] lsok çHkkj]
;k dksbZ vU; ysoh@O;;] ;k dksbZ ykxr xkjaVh dh jde
ds fy, ik= ugha gksxhA
ik= _.knkrk laLFkk }kjk y?kq Ñ"kd Ñf"k O;kikj la?k ds lkFk
djkj djus ds ckn gh xkjaVh dh jde eatjw dh tk,xh rFkk
;g le; & le; ij y?kq Ñ"kd Ñf"k O;kikj la?k }kjk r;
fd, x, fu;eksa ,oa 'krks± ds vuqlkj esa eatjw ;k çnku dh
tk,xhA
9- xkjaVh dh jde ds fy, vkosnu
fdlh ik= _.knkrk laLFkk ls vxyh frekgh ds lekIr gksus ls
iwoZ fdlh frekgh ds nkSjku Lo;a }kjk LohÑr _.k çLrko ds
fy, dsoy fufnZ"V QkeZ ¼vuqcèa k 3½ esa xkjaVh dh jde ds fy,
y?kq Ñ"kd Ñf"k O;kikj la?k ds ikl vkosnu djus dh vis{kk
gksxh vFkkZr vçSy & twu dh frekgh esa LohÑr _.k lqfoèkk
ds lacèa k esa vkosnu ;kstuk ds rgr fopkj ds fy, ik= gksus ds
fy, vxyh frekgh vFkkZr tqykbZ & flracj esa vo'; çLrqr
fd;k tkuk pkfg,A
10- LohÑfr
y?kq Ñ"kd Ñf"k O;kikj la?k fuEufyf[kr dk;Z djsxk%
i. ;kstuk ds rgr ik= _.knkrk laLFkk dks xkjaVh dh
jde LohÑr djus ls iwoZ ;kstuk dh 'krks± ,oa fu;eksa ds
vuqlkj esa çLrko dh ckjhdh ls tkap djukA
fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
9
ii. 
tgka rd vko';d le>k tk ldek gS] bl ;kstuk
ds ç;kstuksa ds fy,] _.knkrk laLFkk dh ;k _.knkrk
laLFkk ls _.kxzkgh dh ys[kk cfg;ksa rFkk vU; vfHkys[kksa
¼ftlesa vfxze ds lapkyu ds lacèa k esa lkekU; vuqn's kksa
dks 'kkfey djus okyh fgnk;rksa dh dksbZ cgh ;k fu;e
iqfLrdk ;k ifji= 'kkfey gS½a dk fujh{k.k djuk ;k
mudh çfrfyfi;ka eaxkukA
iii. 
bl rjd dk fujh{k.k ;k rks y?kq Ñ"kd Ñf"k O;kikj la?k
ds vfèkdkfj;ksa ds ekè;e ls ;k fQj fujh{k.k ds ç;kstu
ds fy, y?kq Ñ"kd Ñf"k O;kikj la?k }kjk fu;qDr fdlh
vU; ,tsla h ds ekè;e ls fd;k tk,xkA
iv. 
fuos'k ,oa nkok fuiVkjk lfefr ¼vkbZ ,aM lh ,l lh½
mi;qDr ds fu"d"kks± ds vkèkkj ij lacfa èkr cSd
a dks xkjaVh
dh jde LohÑr djsxhA
v. 
ik= _.knkrk laLFkk cSd
a ds 'kk[kk çcaèkd ds Lrj ij
y?kq Ñ"kd Ñf"k O;kikj la?k ds lkFk ,d djkj djsxh
¼vuqcèa k & 4½A
11- xkjaVh 'kqYd
i. ;kstuk ds rgr fdlh fdlku & mRiknd daiuh &
_.kxzkgh dks ik= _.knkrk laLFkk }kjk eatjw fdlh ik=
_.k lqfoèkk] tks 85]000 :i, ¼fipklh gtkj :i, ek=½
dh vfèkdre lhek ds vèkhu gksxh] ds lacèa k esa xkjaVh dh
jde ds fy; ik= _.knkrk laLFkk }kjk y?kq Ñ"kd Ñf"k
O;kikj la?k dks ns; 'kqYd ,d ckjxh vnk fd;k tkus
okyk xkjaVh 'kqYd gS ftldh x.kuk LohÑr _.k lqfoèkk
ds 0-85 çfr'kr dh nj ls dh tkrh gSA
ii. çR;sd _.k [kkrs ds fy, xkjaVh çkIr djus okyh _.knkrk
laLFkk }kjk y?kq Ñ"kd Ñf"k O;kikj la?k dks 'kqYd dk
lhèks Hkqxrku fd;k tk,xkA 'kqYd dk Hkqxrku xkjaVh dh
eatjw h dh rkjh[k ls 30 fnu ds vanj ;k y?kq Ñ"kd Ñf"k
O;kikj la?k }kjk fufnZ"V dh tkus okyh fdlh vofèk ds
vanj djuk gksxkA ,slk u gksus ij xkjaVh fujLr dh tk
ldrh gS] tc rd fd y?kq Ñ"kd Ñf"k O;kikj la?k }kjk
fof'k"V :i ls bldh lrrrk dks vuqeksfnr ugha fd;k
tkrk gSA
iii. ik= _.knkrk laLFkk ls xkjaVh 'kqYd ds Lohdkj gksus dh
rkjh[k dks y?kq Ñ"kd Ñf"k O;kikj la?k lqfuf'pr djsxk
fd%
¼d½ fdlku & mRiknd daiuh & _.kxzkgh ij _.knrk
laLFkk dks dksbZ cdk;k vfrns; ugha gks x;k gS
vkSj@;k ik= _.knkrk laLFkk }kjk dksbZ vfrns;@,u
ih , _.k lqfoèkk ugha yh xbZ gS vkSj@;k ;g dksbZ
,slh _.k lqfoèkk ugha gS ftldks vfrns; gksus ij
iquxZfBr ;k iqu% vuqlfw pr fd;k x;k gSA
10
ii. The Fee shall be paid upfront to SFAC by the
Lending Institution availing of the Guarantee
for each loan account. The payment is to be
made within 30 days from date of approval of
the Guarantee or such date as is specified by
SFAC, failing which the Guarantee is liable to
become void unless and until its continuance
is specifically approved by SFAC.
iii. As on the date of acceptance of Guarantee Fee
from the ELI, SFAC shall ensure that :
a). Any dues of the FPC Borrower to the lending
institution have not become overdue and/or
is not an overdue/NPA credit facility taken
over by the ELI and/or /is not a Credit Facility
which has been rescheduled or restructured
on becoming overdue
b). The business or activity of the borrower for
which the Credit Facility was granted has not
ceased.
c). The credit facility has not been utilized, wholly
or partly, for adjustment of any debts deemed
bad or doubtful of recovery.
12. Annual Service Fee
i. In addition to onetime Guarantee Fee, an
Annual Service Fee of 0.25% per annum or such
other rate or limit as may be decided from time
to time per loan account shall be charged from
ELIs to keep the Guarantee of SFAC live.
ii. The decision of passing on the incidence of
Guarantee Fee and Annual Service Fee to the
Borrower is left to the discretion of the ELI.
iii. The Annual Service Fee shall be paid by ELI to
SFAC by the 31 May each year. The fee for the
last year shall be paid on pro rata basis for the
period till the date of expiry of guarantee.
iv. In the event of non-payment of Annual Service
Fee by the due date, the Guarantee under
the Scheme shall cease to be available to the
ELI unless SFAC agrees for continuance of
Guarantee and the ELI pays penal interest on
the Annual Service Fee due at a rate of Interest
of 1% higher than the Rate of Interest at which
the Credit Facility has been sanctioned by the
Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
ELI to the Borrower or as specified by SFAC
from time to time, for the period of delay. The
Guarantee shall stand restored on receipt of
such payment and shall be deemed to have
been in continuance without break.
v. Provided further that in the event of non-
payment of Annual Service Fee within the
stipulated time or such extended time as may
be requested for by the ELI and allowed on such
terms that may be agreed to by SFAC, liability of
SFAC to guarantee such credit facility shall lapse
in respect of the credit facility against which the
annual sample fee is due and not paid.
vi. Provided further that, SFAC may consider
renewal of Guarantee Cover for such credit
facility upon such terms and conditions as it
may decide.
vii. In the event of any error or discrepancy being
found in the computation of the amounts or in
the calculation of the Guarantee Fee / Annual
Service Fee, or any shortfall in payment by the
ELI, if subsequently identified, such deficiency/
shortfall shall be paid by the Eligible Lending
Institution to SFAC. Any amount found to
have been paid in excess by the ELI to SFAC
shall be refunded by SFAC. In the event of any
representation made by the lending institution
in this regard, SFAC shall take a decision
based on the available information with it and
the clarifications received from the lending
institution, and its decision shall be final and
binding on the lending institution.
viii. The Guarantee Fee and/or Annual Service Fee
once paid by the lending institution to SFAC are
non-refundable except where Guarantee Cover
for which Guarantee Fee is paid has not been
approved.
13. 
Responsibilities of Lending Institutions
under the Scheme
Prior to recommending proposals for the
consideration of SFAC, the ELI shall:
i. Appraise each loan proposal for selecting
commercially viable projects. ELI’s Appraisal

¼[k½ _.kxzkgh ds ftl dkjksckj ;k xfrfofèk ds fy, _.k
dh lqfoèkk eatjw dh xbZ Fkh og can ugha gqbZ gSA
¼x½ fdlh dtZ] ftls olwyh ds fy, v'kksè; ;k lafnXèk
ekuk tkrk gS] fd lek;kstu ds fy, _.k lqfoèkk dk
iw.kZr% ;k vkf'kad :i ls ç;ksx ugha fd;k x;k gSA
12- okf"kZd lsok 'kqYd
i. 
ik= _.knkrk laLFkkvksa ls ,d ckjxh xkjaVh 'kqYd ds
vykok 0-25 çfr'kr çfro"kZ dh nj ls ;k le;&le;
ij fuèkkZfjr dh tkus okyh nj ;k lhek ds vuqlkj çR;sd
_.k [kkrs ds fy, ,d okf"kZd lsok 'kqYd fy;k tk,xk
rkfd y?kq Ñ"kd Ñf"k O;kikj la?k dh xkjaVh dks tkjh
j[kk tk ldsA
ii. 
_.kxzkgh ij xkjaVh 'kqYd rFkk okf"kZd lsok 'kqYd
gLrkrfjr djus dh ?kVuk ij fu.kZ; ysus dh ftEesnkjh
cSd
a ds foosd ij NksM+ nh xbZ gSA
iii. ik= _.knkrk laLFkk }kjk y?kq Ñ"kd Ñf"k O;kikj la?k dks
okf"kZd lsok 'kqYd dk Hkqxrku gj lky 31 ebZ rd f;dk
tk,xkA vkf[kjh lky ds fy, 'kqYd dk Hkqxrku xkjaVh
dh vofèk lekIr gksus dh rkjh[k rd lekuqikfrd vkèkkj
ij fd;k tk,xkA
iv. 
fuèkkZfjr frfFk rd okf"kZd lsok 'kqYd dk Hkqxrku u
gksus dh fLFkfr esa ;kstuk ds rgr miyCèk xkjaVh ik=
_.knkrk laLFkk ds fy, miyCèk ugha jg tk,xh] tc
rd fd y?kq Ñ"kd Ñf"k O;kikj la?k xkjaVh dh lrrrk
ds fy, lger ugha gksrk gS vkSj ik= _.knkrk laLFkk
_.kxzkgh dks ftl nj ls _.k lqfoèkk LohÑr djrh gS
mlls 1 çfr'kr vfèkd C;kt nj ls ;k le; & le; ij
y?kq Ñ"kd Ñf"k O;kikj la?k }kjk fufnZ"V nj ls foyac dh
vofèk ds fy, ik= _.knkrk laLFkk cdk;k okf"kZd lsok
'kqYd ij nkafMd C;kt dk Hkqxrku ugha djrh gSA bl
rjg dk Hkqxrku çkIr gksus ij xkjaVH cgky gks tk,xh
rFkk mls jksds fcuk lrr :i ls tkjh le>k tk,xkA
v. c'krsZ ;g Hkh fd fuèkkZfjr le; ;k ik= _.knkrk laLFkk
ds vuqjksèk ij rFkk y?kq Ñ"kd Ñf"k O;kikj la?k }kjk
lger'krks± ij c<+kbZ xbZ vofèk ds vanj okf"kZd lsok
'kqYd dk Hkqxrku u fd, tkus dh fLFkfr esa ,slh _.k
lqfoèkk ds fy, xkjaVh çnku djus dh y?kq Ñ"kd Ñf"k
O;kikj la?k dh ftEesnkjh ml _.k lqfoèkk ds lacèa k
esa lekIr gks tk,xh ftlds fo:) okf"kZd lsok 'kqYd
cdk;k gS rFkk Hkqxrku ugha fd;k x;k gSA
vi. c'krsZ ;g Hkh fd y?kq Ñ"kd Ñf"k O;kikj la?k ,slh _.k
lqfoèkk ds fy, xkjaVh dh jde ds uohdj.k ij ,slh 'krks±
,oa fu;eks]a ftuds ckjs esa ;g fu.kZ; fy;k tk, ij fopkj
dj ldrk gSA
fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
10
vii. 
/kujkf'k;ksa dh x.kuk esa ;k xkjaVh 'kqYd @ okf"kZd lsok
'kqYd dh x.kuk esa fdlh =qfV ;k folaxfr esa fdlh
deh dk irk yxus dh fLFkfr esa vFkok ik= _.knkrk
laLFkk }kjk qxrku esa fdlh deh dk ckn esa irk pyus
dh fLFkfr esa ik= _.knkrk laLFkk }kjk y?kq —"kd —f"k
O;kikj la?k dks ,slh folaxfr @ deh dk qxrku fd;k
tk,xkA ;fn ik;k tkrk gS fd ik= _.knkrk laLFkk }kjk
y?kq —"kd —f"k O;kikj la?k dks vfrfjä /kujkf'k dk
qxrku fd;k x;k gS] rks y?kq —"kd —f"k O;kikj la?k }kjk
mls ykSVk;k tk,xkA bl lac/a k esa _.knkrk laLFkk }kjk
fdlh vH;kosnu dh fLFkfr esa y?kq —"kd —f"k O;kikj la?k
vius ikl miyC/k lwpukvksa rFkk _.knkrk laLFkk ls çkIr
Li"Vhdj.kksa ds vk/kkj ij fu.kZ; ysxk rFkk bldk fu.kZ;
vafre ,oa _.knkrk laLFkk ds fy, ck/;dkjh gksxkA
viii. _.knkrk laLFkk }kjk y?kq —"kd —f"k O;kikj la?k dks
qxrku fd;k x;k xkjaVh 'kqYd vkSj@;k okf"kZd lsok
'kqYd vçfrns; gksxk] dsoy ,sls ekeyksa dks NksMd
+ j tgka
xkjaVh dh ftl jde ds fy, xkjaVh 'kqYd dk qxrku
fd;k x;k gS og vuqeksfnr ugÈ gSA
13- ;kstuk ds varxZr _.knkrk laLFkkvksa dh ftEesnkfj;ka
y?kq —"kd —f"k O;kikj la?k ds fopkj ds fy, çLrko dh flQkfj'k
djus ls iwoZ ik= _.knkrk laLFkk fuEufyf[kr dk;Z djsxh%
i. okf.kfT;d n`f"V ls O;ogk;Z ifj;kstukvksa dk p;u djus
ds fy, _.k ds çR;sd çLrko dk ewY;kadu djukA
;kstuk ds rgr xkjaVh dh jde ds fy, vkosnu ds lkFk
ik= _.knkrk laLFkk dh ewY;kadu fVIi.kh çLrqr dh
tkuh pkfg,A
ii. ik= _.knkrk laLFkk dh vis{kkvksa rFkk y?kq —"kd —f"k
O;kikj la?k dh 'krks± ,Zoa fu;eksa ds vuqlkj esa _.k
Loh—r djus ds fy, çfØ;k , dkuwuh dk;Z ,oa çys[ku
dk dk;Z laié djukA
iii. 
,l
s s fooj.k] lwpuk] nLrkost] jlhn] çek.k i= vkfn
çLrqr djuk ftldh t:jr y?kq —"kd —f"k O;kikj la?k
dks bl ;kstuk ds rgr fdlh _.k lqfo/kk ds flyflys
esa gks ldrh gSA
iv. çekf.kr djuk fd @ekfur fd, x, ds :i esa le>k
tkuk fd ,sls nLrkostks]a jlhnks]a çek.k i=ksa ,oa vU;
fyf[kr nLrkostksa dh fo"k; oLrq lgh gS]a ijarq fdlh nkos
dks vLohdkj ugÈ fd;k tk,xk vkSj lnk'k;rk ls fd,
x, fdlh dk;Z ds fy, _.knkrk laLFkk ;k mlds fdlh
vf/kdkjh ij dksbZ ns;rk 'kkfey ugÈ dh tk,xhA
v. 
_.kxzkgh ds [kkrs dh fuxjkuh djuk rFkk vkof/kd
fuxjkuh rFkk i;Zo{s k.k ij 'kq: dh xbZ dkjZokbZ] ;fn dksbZ
gks] dk vfys[k j[kukA
11
Note shall accompany the Application for Guarantee
Cover under the Scheme.
ii. Carry out processing, legal work and documentation
for sanction of the loan in accordance with
the requirements of the ELI and the terms and
conditions of SFAC.
iii. Furnish such statements, information, documents,
receipts, certificates etc. as SFAC may require in
connection with any credit facility under this
Scheme.
iv. Certify that /be deemed to have affirmed that the
contents of such documents, receipts, certificates
and other written documents are true, provided
that no claim shall be rejected and no liability
shall attach to the lending institution or any officer
thereof for anything done in good faith.
v. Monitor the Borrower account and maintain records
of periodical monitoring and actions initiated on
observations, if any.
vi. Safeguard the Primary Securities taken over by it,
if any, from the Borrower in respect of the credit
facility in good and enforceable condition.
vii. Ensure that the Guarantee Claim in respect of the
credit facility to the FPC Borrower is lodged with
SFAC in the form and manner and within such time
as may be specified by SFAC in this behalf. Further,
there shall not be any delay on its part to notify
SFAC of the default in the Borrower’s Account,
as a result of which delay, SFAC shall face higher
Guarantee Claims.
viii. The payment of Guarantee Claim by SFAC to the
lending institution does not in any way absolve the
lending institution of the responsibility of recovering
the entire outstanding amount of the credit from
the borrower. The lending institution shall exercise
all necessary precaution and take recourse to all
measures to recover from the borrower the entire
amount of credit facility that is owed to it by the
borrower and safeguarding the interest of SFAC as
it shall exercise in the normal course if no guarantee
had been furnished by SFAC.
Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
ix. The lending institution shall be bound to comply
with such directions as SFAC may deem fit to
issue from time to time, for facilitating recoveries
of the guaranteed account, or safeguarding its
interest as a guarantor.
x. The lending institution shall, in particular, refrain
from any act either before or subsequent to
invocation of guarantee, which may adversely
affect the interest of SFAC as the guarantor.
xi. The lending institution shall be bound under
the Scheme to intimate in advance to SFAC
its intention to enter into any compromise
or arrangement, which may have effect of
discharge or waiver of primary security.
xii. The lending institution shall also ensure
through an Agreement with the Borrower that
the borrower shall not create any charge on the
assets held as primary security for the credit
facilities covered by the Guarantee with itself,
or in favour of any other creditor(s) without
seeking prior permission of SFAC.
xiii. Further, the lending institution shall secure
for SFAC or its appointed agency, through a
stipulation in an Agreement with the Borrower or
otherwise, the right to list the defaulted Borrowers’
names and particulars on the Website of SFAC.
14. SFAC Monitoring
i. The ELI shall undertake regular desk and /or
field monitoring of the borrowing FPOs.
ii. SFAC shall be authorised to call for any reports
of such monitoring, if it deems fit.
15. Governance
i. The CGF shall have a two tier Governance
Structure with the Board of the SFAC as the final
authority in all policy and strategic decision
making.
ii. The Board shall delegate executive decision
making to an Investment and Claims Settlement
Committee (I&CSC) of five Members, set up for
this purpose.

vi. 
_.k lqfo/kk ds lac/a k esa _.kxzkgh ls yh xbZ çkFkfed
çfrwfr;ks]a ;fn dksbZ gks] dks vPNh ,oa çorZuh; gkyr esa
lqjf{kr j[kukA
vii. lqfufÜpr djuk fd fdlku & mRiknd daiuh & _.kxzkgh
dks çnku dh xbZ _.k lqfo/kk ds lac/a k esa xkjaVh dk nkok
bl lac/a k esa y?kq —"kd —f"k O;kikj la?k }kjk fufnZ"V
çi= esa ,oa <ax ls rFkk fu/kkZfjr le; lhek ds vanj
y?kq —"kd —f"k O;kikj la?k ds ikl nkf[ky fd;k tkrk
gSA blds vfrfjä] _.kxzkgh ds [kkrs esa pwd ds ckjs esa
_.knkrk laLFkk dh vksj ls y?kq —"kd —f"k O;kikj la?k
dks lwfpr djus esa dksbZ foyac ugÈ gksuk pkfg,] ftlds
ifj.kkeLo:i y?kq —"kd —f"k O;kikj la?k dks vfèkd ek=k
esa xkjaVh ds nkoksa dk lkeuk djuk iM+x
s kA
viii. _.knkrk laLFkk dks y?kq —"kd —f"k O;kikj la?k }kjk
xkjaVh ds nkos dk qxrku fdlh :i esa _.knkrk laLFkk
dks _.kxzkgh ls _.k dh lai.w kZ cdk;k jkf'k dh olwyh
djus dh ftEesnkjh ls eqä ugÈ djrk gSA _.knkrk
laLFkk lh vko';d ,gfr;kr cjrsxh rFkk _.k lqfo/kk
dh lewph jkf'k dks _.kxzkgh ls olwyus ds fy, lh
mik;ksa dk lgkjk ysxh] ftls mlus _.kxzkgh dks m/kkj
fn;k gS rFkk y?kq —"kd —f"k O;kikj la?k ds fgr dh mlh
rjg j{kk djsxh tSls ;g lkekU; fLFkfr esa djrh] ;fn
y?kq —"kd —f"k O;kikj la?k }kjk dksbZ xkjaVh miyC/k u
djkbZ xbZ gksrhA
ix. 
_.knkrk laLFkk xkjaVh—r jkf'k dh olwyh esa lgk;rk
çnku djus ds fy, ;k xkjaVj ds :i esa blds fgrksa dh
j{kk djus ds fy, ,sls vuqn's kksa dk ikyu djus ds fy,
ck/; gksxh ftls y?kq —"kd —f"k O;kikj la?k le; &
le; ij tkjh djus ds fy, mi;qä le> ldrk gSA
x. 
_.knkrk laLFkk fo'ks"k :i ls xkjaVh ds ykxw ls iwoZ ;k
blds ckn ,sls fdlh dk;Z ls cpsxh] ftlls xkjaVj ds
:i esa y?kq —"kd —f"k O;kikj la?k dk fgr çfrdwy :i
ls çkfor gks ldrk gSA
xi. 
_.knkrk laLFkk ;kstuk ds rgr dksbZ ,slk le>kSrk ;k
O;oLFkk djus ds vius bjkns ds ckjs esa vfxze esa y?kq
—"kd —f"k O;kikj la?k dks lwfpr djus ds fy, ck/;
gksxh] ftldk çkFkfed çfrwfr dh fjgk;h ;k NwV dk
çko gks ldrk gSA
xii. 
_.knkrk laLFkk _.kxzkgh ds lkFk djkj ds ek/;e ls
;g h lqfufÜpr djsxh fd _.kxzkgh y?kq —"kd —f"k
O;kikj la?k dh iwokZuqefr çkIr fd, cxSj vius ikl
xkjaVh }kjk 'kkfey _.k lqfo/kkvksa ds fy, çkFkfed
çfrwfr ds :i esa /kkfjr ifjlaifŸk;ksa ij ;k fdlh vU;
_.knkrk ¼_.knkrkvks½a ds i{k esa fdlh çkj dk l`tu
ugÈ djsxkA
fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
11
xiii. blds vykok _.knkrk laLFkk _.kxzkgh ds lkFk djkj esa
fuca/ku ds ek/;e ls ;k vU;Fkk y?kq —"kd —f"k O;kikj
la?k ;k blds }kjk fu;qä ,tsalh ds fy, y?kq —"kd
—f"k O;kikj la?k dh osclkbV ij pwddrkZ _.kxzkfg;ksa
ds ukeksa dh lwph rFkk C;kSjs dks Mkyus dk vf/kdkj çkIr
djsxhA
14- y?kq —"kd —f"k O;kikj la?k dh fuxjkuh
i. ik= _.knkrk laLFkk m/kkj ysus okys fdlku & mRiknd
la?kksa dh fu;fer :i ls MsLd vkSj@;k {ks= fuxjkuh
djsxhA
ii. y?kq —"kd —f"k O;kikj la?k ,slh fuxjkuh dh dksbZ fjiksVZ
eaxkus ds fy, vf/k—r gksxk] ;fn ;g mi;qä le>rk
gSA
15- vf'kklu
i. 
_.k xkjaVh fuf/k esa nks Vh;j okyh vf'kklu lajpuk
gksxh rFkk y?kq —"kd —f"k O;kikj la?k dk funs'kd eaMy
lh uhfrxr ,oa dk;Zuhfrd fu.kZ; ysus ds ekeys esa
vafre çkf/kdj.k gksxkA
ii. funs'kd eaMy bl ç;kstu ds fy, xfBr 5 lnL;ksa okyh
fuos'k ,oa nkok fuiVkjk lfefr ¼vkbZ ,aM lh ,l lh½ dks
dk;Zikyd fu.kZ; ysus dk vf/kdkj lkSia xs kA
iii. y?kq —"kd —f"k O;kikj la?k ds çca/k funs'kd fuos'k ,oa
nkok fuiVkjk lfefr ds v/;{k gksx a ]s ftlesa funs'kd
eaMy }kjk vuqeksfnr rhu cSd
a ksa ds çfrfuf/k rFkk funs'kd
eaMy }kjk ukfer ,d fo'ks"kK lnL; ds :i esa gksx a As
iv. fuos'k ,oa nkok fuiVkjklfefr ds ikl fuf/k ,oa blds
ç'kklu ds lac/a k esa funs'kd eaMy }kjk lkSia s x, lh
ekeyksa esa fu.kZ; ysu]s tksf[ke ,Dlikstj ds fy, ekud
fu/kkZfjr djus] fuf/k dh foŸkh; lajpuk rS;kj djus rFkk
yk ds y{; fu/kkZfjr djus ds fy, foosdkf/kdkj gksxk]
ftlesa olwyh ds vPNs fjdkMZ okyh fdlku & mRiknd
daiuh dks fo'ks"k rjthg nsuk 'kkfey gSA
v. fuf/k ds lexz fodkl ds fy, fuos'k ,oa nkok fuiVkjk
lfefr uhfrxr eqíksa ,oa dk;Zuhfr ij fopkj & foe'kZ
djsxh rFkk vuqeksnu ds fy, funs'kd eaMy dks viuh
flQkfj'ksa çLrqr djsxhA
vi. fuos'k ,oa nkok fuiVkjk lfefr fuf/k ,oa ;kstuk ds lac/a k
esa fy, x, lh çeq[k fu.kZ;ksa rFkk dh xbZ dkjZokb;ksa ds
ckjs esa funs'kd eaMy dks fu;fer :i ls lwfpr djsxh
rFkk fuf/k ,oa ;kstuk ds lac/a k esa funs'kd eaMy ds lexz
fu;a=.k ,oa ekxZn'kZu esa dke djsxhA
12
iii. The MD, SFAC shall be the Chairman of I&CSC,
which shall have representatives of 3 “Bank”s as
approved by the Board and an Expert Member
nominated by the Board.
iv. The I&CSC shall have discretion to take decisions
in all matters as delegated by the Board
concerning the Fund and its administration, set
standards for risk exposure, design the financial
structure of the Fund and profit targets,
including special consideration for FPC with
good track record of recovery.
v. The I & CSC shall deliberate upon Policy Issues
and Strategy for overall development of the
Fund and make recommendations to the Board
for its approval.
vi. The I & CSC shall regularly keep the Board
informed about all major decisions and actions
taken by it in regard to, and shall work under its
overall control and guidance with regard to, the
Fund and the Scheme.
vii. Decisions regarding Guarantee Pay-Outs shall
be the primary responsibility of I&CSC which
shall meet at least once every quarter or as
often as necessary.
 
16. Invocation of Guarantee
The ELI may invoke the Guarantee in respect of Credit
Facility within a maximum period of one year from the
date of NPA, if the following conditions are satisfied:
i. The Claim is forwarded to SFAC through the
Zonal Office / authorised office/ person of the
ELI as communicated to SFAC.
ii. The Guarantee in respect of the concerned
Credit Facility is in force at the time of account
turning NPA.
iii. The amount due and payable to the ELI in
respect of the Credit Facility has not been
paid by the Borrower and the dues have been
classified by the lending institution as NPA.
iv. The Guarantee shall be effective
a). If the SFAC and ELI are convinced that the FPC
Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
has suffered genuine business losses, which
may include crop/ asset losses by the members,
and the gravity and impact of such losses is
assessed jointly or by independent assessment
or by the ELI as may be mutually agreed between
SFAC and ELI on a case by case basis, and the
FPC is not in a position to repay dues under
any circumstances including restructuring/re-
phasing/rescheduling the loan.
b). For such amounts as may be written off or
interest waived from the credit facility by the
ELI with intimation to SFAC as a result of the
business failure of the FPC in all other cases
c). Only when proceedings for recovery have
been initiated by the ELI. The responsibility
of recovery of the dues, including takeover
of assets, sale of assets etc. shall rest with the
ELI.
17. Claim Settlement
i. Only such Claim as is submitted by the ELI within
a maximum period of one year from date of NPA
or as specified by SFAC from time to time, shall
be considered by SFAC.
ii. On receiving a claim, the I&CSC shall review in
detail the reasons for the Default. The Committee
reserves the right to reject any proposal where
the Guidelines have not been strictly followed
or if any misrepresentation or concealment of
facts is found leading to undue favour to the
concerned FPC.
iii. SFAC shall honour 75 per cent of the Guaranteed
Amount in Default subject to a maximum of 75
per cent of the guaranteed cap amount , on
submission of claim by the ELI where appropriate
action for recovery has been initiated. The
balance 25 per cent of the default or guaranteed
cap amount, as the case may be, shall be paid on
conclusion of recovery proceedings by ELI.
iv. SFAC shall pay claims found in order and
complete in all respects, within 90 days.
v. The outstanding dues of the FPC to ELI shall
be reduced to the extent of the claim amount
settled by SFAC.

vii. 
xkjaVh ds qxrku ds lac/a k esa fu.kZ; dh çkFkfed ftEesnkjh
fuos'k ,oa nkok fuiVkjk lfefr dh gksxh] ftldh cSBd
gj frekgh esa de ls de ,d ckj ;k vko';drk ds
vuqlkj vfèkd ckj gksxhA
16- xkjaVh ykxw djuk
ik= _.knkrk laLFkk ,u ih , dh rkjh[k ls vf/kdre ,d o"kZ
dh vof/k ds vanj _.k lqfo/kk ds lac/a k esa xkjaVh ykxw dj
ldrh gS] ;fn fuEufyf[kr 'krs± iZjw h gksrh gS%a
i. 
nkok y?kq —"kd —f"k O;kikj la?k dks vkapfyd dk;kZy;
@ vf/k—r dk;kZy; @ y?kq —"kd —f"k O;kikj la?k dks
;Fkk lwfpr ik= _.knkrk laLFkk ds O;fä ds ek/;e ls
vxzfs "kr fd;k tkrk gSA
ii. lacfa /kr _.k lqfo/kk ds lac/a k esa xkjaVh [kkrs ds ,u ih ,
esa ifjofrZr gksus ds le; ls ykxw gksrh gSA
iii. 
_.k lqfo/kk ds lac/a k esa ik= _.knkrk laLFkk dks ns; ,oa
cdk;k jkf'k dk qxrku _.kxzkgh }kjk ugÈ fd;k x;k
gS rFkk cdk;k jkf'k dks _.knkrk laLFkk }kjk ,u ih ,
ds :i esa oxÊ—r fd;k x;k gSA
iv. xkjaVh çkoh gksxh &
¼d½ ;fn y?kq —"kd —f"k O;kikj la?k ,oa ik= _.knkrk
laLFkk dks bl ckjs esa dksbZ langs ugÈ gS fd fdlku&
mRiknd daiuh dks lgh ek;us esa dkjksckj esa ?kkVk
gqvk gS] ftlesa lnL;ksa }kjk Qly @ ifjlaifŸk dk
uqdlku 'kkfey gS] rFkk ,sls ?kkVs dh xahjrk ,oa
çko dk ewY;kadu ekeyk nj ekeyk vk/kkj ij y?kq
—"kd —f"k O;kikj la?k ,oa ik= _.knkrk laLFkk ds
chp ijLij lger <ax ls Lora= ewY;kadu }kjk ;k
ik= _.knkrk laLFkk }kjk ;k la;qä :i ls fd;k
tkrk gS] rFkk fdlku &mRiknd daiuh fdlh h
ifjfLFkfr esa cdk;k dks pqdrk djus dh fLFkfr esa
ugÈ gS ftlesa _.k dk iquxZBu @ iqu% pj.kc)rk
@ iqu% vuqlp w hdj.k 'kkfey gSA
¼[k½ ,slh jkf'k;ksa ds fy, ftUgsa cÍs [kkrs esa Mkyk tk
ldrk gS ;k lh vU; ekeyksa esa ftlesa fdlku &
mRiknd daiuh ds dkjksckj ds vlQy gks tkus ds
dkj.k y?kq —"kd —f"k O;kikj la?k dks lwfpr djrs
gq, ik= _.knkrk laLFkk }kjk _.k lqfo/kk ls ekQ
fd, x, C;kt ds fy,A
¼x½ dsoy rh tc olwyh ds fy, dk;Zokgh ik=
_.knkrk laLFkk }kjk 'kq: dh xbZ gSA cdk;k dh
olwyh dh ftEesnkjh ik= _.knkrk laLFkk dh gksxh]
ftlesa ifjlaifŸk;ksa dk vf/kxzg.k] ifjlaifŸk;ksa dh
fcØh vkfn 'kkfey gSaA
fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
12
17- nkos dk fuiVkjk
i. y?kq —"kd —f"k O;kikj la?k }kjk dsoy ,sls nkos ij fopkj
fd;k tk,xk ftls ,u ih , dh rkjh[k ls vf/kdre
,d o"kZ dh vof/k ds vanj ;k y?kq —"kd —f"k O;kikj
la?k }kjk le; & le; ij fufnZ"V vof/k ds vanj ik=
_.knkrk laLFkk }kjk çLrqr fd;k tkrk gSA
ii. dksbZ nkok çkIr gksus ij fuos'k ,oa nkok fuiVkjk lfefr pwd
ds dkj.kksa dh foLrkj ls leh{kk djsxhA lfefr fdlh çLrko
dks vLohdkj djus dk vf/kdkj lqjf{kr j[krh gS] tgka
fn'kkfunZ's kksa dk dM+kbZ ls ikyu ugÈ fd;k x;k gS vFkok
;fn ,slk ik;k tkrk gS fd lacfa /kr fdlku & mRiknd
daiuh dks vuqfpr vuqxgz çnku djus ds fy, dksbZ xyr
c;ku fd;k x;k gS ;k rF;ksa dks fNik;k x;k gSA
iii. ik= _.knkrk laLFkk }kjk nkok çLrqr fd, tkus ij]
tgka olwyh ds fy, mi;qä dkjZokbZ 'kq: dh xbZ gS ogka
y?kq —"kd —f"k O;kikj la?k vf/kdre xkjaVh—r jkf'k
ds vf/kd ls vf/kd 75 çfr'kr ds v/khu xkjaVh—r pwd
jkf'k ds 75 çfr'kr dk qxrku djsxkA ;Fkk fLFkfr pwd
;k xkjaVh—r vf/kdre jkf'k ds 'ks"k 25 çfr'kr dk
qxrku ik= _.knkrk laLFkk }kjk olwyh dh dkjZokbZ
lekIr gksus ij fd;k tk,xkA
iv. y?kq —"kd —f"k O;kikj la?k 90 fnu ds vanj ,sls nkos dk
qxrku djsxk tks gj n`f"V ls lgh ,oa iw.kZ ik, tk,axAs
v. ik= _.knkrk laLFkk ij fdlku& mRiknd daiuh dh
cdk;k jkf'k dks nkos dh jkf'k ls y?kq —"kd —f"k O;kikj
la?k }kjk fuiVkjs dh lhek rd ?kVk;k tk,xkA
vi. ik= _.knkrk laLFkk xkjaVh ds fuiVkjs ds ckn h
pwddrkZ fdlku&mRiknd daiuh ls 'ks"k cdk;k jkf'k
dh olwyh ds fy, ç;kl djuk tkjh j[ksxhA
vii. y?kq —"kd —f"k O;kikj la?k dks xkjaVh dh jkf'k
dsfuiVkjs ds ckn h ik= _.knkrk laLFkk ls fdlh
jkf'k dk nkok djus dk vf/kdkj gS] ftls ik=
_.knkrk laLFkk }kjk pwddrkZ fdlku &mRiknd
daiuh ls olwyk tkrk gSA
viii. fdlku & mRiknd daiuh ls ik= _.knkrk laLFkk }kjk
olwy dh xbZ fdlh jkf'k dks y?kq —"kd —f"k O;kikj
la?k ,oa ik= _.knkrk laLFkk ds chp 85%15 çfr'kr ds
vuqikr esa ckaVk tk,xkA ,slk qxrku rc fd;k tk,xk
tc ,slh dksbZ jkf'k olwy dh tkrh gS rFkk bl ij ;g
NwV ykxw gksxh fd 1 yk[k :i, ls de jkf'k ds fdlh
qxrku dks frekgh vk/kkj ij ;k frekgh dh vkf[kjh
rkjh[k ls igys fd;k tk ldrk gSA
13
vi. The ELI shall continue to make efforts to
realise the balance amount due from the
defaulting FPC even after settlement of the
Guarantee.
vii. SFAC has the right to claim from the ELI any
amount that is realised by the ELI from the
defaulting FPC even after settlement of the
guarantee amount.
viii. Any amount realized by the ELI from the FPC
shall be shared in the ratio of 85%:15% between
SFAC & ELI. Such payment shall be made as and
when any such amount is realised subject to
the relaxation that any payments below the
sum of Rs.1 Lakh may be made on a quarterly
basis on or before the last day of the quarter.
ix. Once the Claim is paid, SFAC shall be deemed to
have been discharged from all its liabilities on
account of the Guarantee in force in respect of
the Credit Facility concerned.
x. The ELI shall be liable to refund the Claim
released by SFAC together with the penal
interest at a rate which shall be 1% higher than
the rate of interest at which the Credit Facility
was sanctioned by it, for the period for which
the Claim has been released, if recalled by SFAC
for any reason whatsoever. Erroneous/duplicate
payment of claim by SFAC shall not be construed
as recall. However, any duplicate claim by the ELI
and the settlement there against by SFAC shall
be recalled and SFAC reserves the right to recall
the entire payment released to the ELI against
the Credit Facility under reference.
18. 
Subrogation of Rights and Recoveries
On Account Of Claims Paid
i. Details of efforts for recovery, realization and
such other information as may be demanded
by SFAC from time to time shall be furnished to
SFAC by the ELI.
ii. On its own behalf and on behalf of SFAC, the
lending institution shall hold lien on assets
created out of the Credit Facility extended by
the ELI to the Borrower.
Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
iii. The responsibility for the recovery of dues
including takeover of assets, sale of assets, etc.,
shall rest with the lending institution.
iv. Payments made by a borrower towards any
one or more of several distinct and separate
debts owed to the lending institution, shall
be deemed to have been appropriated by the
lending institution to the debt covered by the
guarantee and in respect of which a claim has
been preferred and paid, irrespective of the
manner of appropriation indicated by such
borrower or the manner in which such payments
are actually appropriated.
19. Residual Recovery
SFAC shall have the first claim to Appropriation of
the Amount realized by the ELI before making the
final settlement of the claim in the ratio of 85:15.
20. Termination of SFAC’s Liability in Certain
Cases
i. The Guarantee in respect of the Credit Facility
extended by an ELI to an FPC under the Scheme
shall be deemed to be terminated, if the liabilities
of a borrower to the lending institution on
account of any eligible Credit Facility guaranteed
under this Scheme are transferred or assigned
to any other borrower without the consent of
SFAC which shall be sought by the ELI or the
Borrower in writing stating the reasons for the
transfer/assignment and if the conditions as to
the eligibility of the borrower and the amount of
the facility and any other terms and conditions,
if any, subject to which the credit facility can be
guaranteed under the Scheme are not satisfied
after the said transfer or assignment, from the
date of the said transfer or assignment.
ii. The liability of SFAC in respect of any Credit
Facilities granted to a Borrower by a lending
institution under the Scheme shall be limited
to the liability of the Borrower to the lending
institution as on the date on which the Borrower
becomes ineligible for being granted any Credit
Facilities under the Scheme, by reason of cessation
of his activity or his activity / his undertaking
ceasing to come within the definition of a FPC

ix. nkos dk qxrku gks tkus ij ;g le>k tk,xk fd y?kq
—"kd —f"k O;kikj la?k lacfa /kr _.k lqfo/kk ds lac/a k esa
çkoh xkjaVh ds dkj.k viuh lh ns;rkvksa ls eqä gks
x;k gSA
x. ik= _.knkrk laLFkk ml vof/k ftlds fy, nkok
fueZqä fd;k x;k gS] ds fy, ftl nj ls ik=
_.knkrk laLFkk }kjk _.k lqfo/kk Loh—r dh xbZ
Fkh mlls 1 çfr'kr vf/kd nkafMd C;kt dh nj ds
lkFk y?kq —"kd —f"k O;kikj la?k }kjk fueZqä nkos dks
ykSVkus ds fy, ftEesnkj gksxh] ;fn fdlh h dkj.k
ls y?kq —"kd —f"k O;kikj la?k }kjk ekaxk tkrk gSA
y?kq —"kd —f"k O;kikj la?k }kjk nkos ds =qfViw.kZ @
nksgjs qxrku dks okilh ds :i esa ugÈ le>k tk,xkA
rFkkfi ik= _.knkrk laLFkk }kjk fdlh nksgjs nkos
rFkk y?kq —"kd —f"k O;kikj la?k }kjk mlds fo:)
fuiVkjk dks okil fy;k tk,xk rFkk y?kq —"kd —f"k
O;kikj la?k lanZ ds v/khu _.k lqfo/kk ds fo:) ik=
_.knkrk laLFkk dks tkjh fd, x, lewps qxrku dks
okil eaxkus dk vf/kdkj lqjf{kr j[krk gSA
18- çnŸk nkoksa ds dkj.k çfrLFkkiu vf/kdkj ,oa olwfy;ka
i. ik= _.knkrk laLFkk }kjk y?kq —"kd —f"k O;kikj la?k
dks olwyh] cjkenxh ds fy, ç;klksa dk C;kSjk rFkk
,slh vU; lwpuk,a sth tk,axh ftldh y?kq —"kd —f"k
O;kikj la?k }kjk le; & le; ij ekax dh tk ldrh
gSA
ii. viuh vksj ls rFkk y?kq —"kd —f"k O;kikj la?k dh vksj
ls _.knkrk laLFkk _.kxzkgh dks ik= _.knkrk laLFkk }
kjk çnku dh xbZ _.k lqfo/kk ls l`ftr ifjlaifŸk;ksa ij
xzg.kkf/kdkj cuk, j[ksxhA
iii. ifjlaifŸk;ksa dk vf/kxzg.k] ifjlaifŸk;ksa dh fcØh vkfn
lesr cdk;k jkf'k dks olwyus dh ftEesnkjh _.knkrk
laLFkk dh gksxhA
iv. 
_.knkrk laLFkk ls fy, x, vusd fé&fé ,oa vyx
_.kksa esa ls fdlh ,d ;k ,d ls vf/kd ds fy, fdlh
_.kxzkgh }kjk fd, x, qxrku dks _.knkrk laLFkk
}kjk ml _.k esa fofu;ksftr ds :i esa ekuk tk,xk
ftls xkjaVh ds rgr 'kkfey fd;k x;k gS rFkk ftlds
laca/k esa nkok fd;k x;k gS rFkk qxrku fd;k x;k
gS] bl ckr ds dksbZ ek;us ugÈ gksrs fd ,sls _.kxzkgh
}kjk fofu;kstu ds fdl <ax dk mYys[k fd;k gS ;k
fdl <ax ls ,sls qxrkuksa dk okLro esa fofu;kstu fd;k
tkrk gSA
fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
13
19- vof'k"V olwyh
85%15 ds vuqikr esa nkos dk vafre fuiVkjk djus
ls iwoZ ik= _.knkrk laLFkk }kjk olwyh xbZ jkf'k ds
fofu;kstu ij igyk nkok y?kq —"kd —f"k O;kikj la?k dk
gksxkA
20- dfri; ekeyksa esa y?kq —"kd —f"k O;kikj la?k dh
ns;rk dh lekfIr
i. ;kstuk ds rgr fdlh fdlku& mRiknd daiuh dks ik=
_.knkrk laLFkk }kjk çnku dh xbZ _.k lqfo/kk ds lac/a k
esa xkjaVh dks lekIr le>k tk,xk] ;fn bl ;kstuk
ds rgr xkjaVh—r fdlh ik= _.k lqfo/kk ds dkj.k
_.knkrk laLFkk ds çfr fdlh _.kxzkgh dh ns;rk,a y?kq
—"kd —f"k O;kikj la?k dh lgefr] tks fyf[kr esa ik=
_.knkrk laLFkk ;k _.kxzkgh }kjk ekaxh tk,xh ftlesa
varj.k @ vkcaVu ds dkj.kksa dk foLrkj ls mYys[k gksxk]
ds fcuk fdlh vU; _.kxzkgh dks varfjr ;k vkcafVr
dh tkrh gS]a vkSj ;fn _.kxzkgh dh ik=rk rFkk _.k
lqfoèkk dh jkf'k vkfn tSlh 'krs± rZFkk dksbZ vU; 'krZ ,oa
fu;e] ;fn dksbZ gks] ftlds v/khu bl ;kstuk ds rgr
_.k lqfo/kk xkjaVh—r dh tk ldrh gS] mä varj.k ;k
vkcaVu dh rkjh[k ls mä varj.k ;k vkcaVu ds ckn iwjh
ugÈ gksrh gSAa
ii. ;kstuk ds rgr fdlh _.knkrk laLFkk }kjk fdlh
_.kxzkgh dks eatjw dh xbZ fdlh _.k lqfo/kk ds lac/a k
esa y?kq —"kd —f"k O;kikj la?k dh ns;rk ml rkjh[k dks
ftldks _.kxzkgh ;kstuk ds rgr dksbZ _.k lqfoèkk çkIr
djus ds fy, viuh xfrfof/k @ vius miØe ds can gks
tkus @ fdlku &mRiknd daiuh dh ;wfuV dh ifjk"kk
ds vanj vkuk can gks tkus ds dkj.k vik= curk gS]
_.knkrk laLFkk ds çfr _.kxzkgh dh ns;rk rd lhfer
gksxhA rFkkfi] ;g bl ;kstuk ds rgr fu/kkZfjr y?kq
—"kd —f"k O;kikj la?k dh ns;rk ij lhek ds v/khu
gksxkA
21- lkekU;
i. ;kstuk dh 'krs± ,Zoa fu;e _.knkrk lLFkkvksa ij ck/;dkjh
gksx
a As
ii. y?kq —"kd —f"k O;kikj la?k }kjk çnku dh xbZ dksbZ
xkjaVh ;kstuk ds çko/kkuksa }kjk bl rjg lhfer ,oa
vf'kkflr gksxh ekuks fd bUgsa ,slh xkjaVh ds lk{; ds
:i esa nLrkostksa esa fy[kk x;k gksA
iii. fdlh ik= _.knkrk laLFkk tks fdlh fdlku &mRiknd
daiuh & _.kxzkgh dks ik= _.k lqfo/kk ds fy, xkjaVh
14
unit, subject, however, to the limits on the
liability of SFAC fixed under this Scheme.
21. General
i. The terms & conditions of the scheme shall be
binding on the lending institutions.
ii. Any Guarantee given by SFAC shall be
circumscribed by & governed by the provisions
of the Scheme as if the same had been written
in the documents evidencing such Guarantee.
iii. An ELI that seeks and is granted Guarantee
Cover for an eligible Credit Facility to an FPC
Borrower under the Scheme shall be deemed
to have understood and accepted the T&C of
the Scheme as being legally binding on itself.
iv. The ELI shall as far as possible ensure that
the conditions of any contract relating to an
account guaranteed under the Scheme are not
in conflict with the provisions of the Scheme.
v. Notwithstanding any provision in any other
document or contract entered into by the li,
the provisions / conditions of the scheme shall
override all such other provisions as if this
conditionally had been written in the relevant
document/contract and shall in relation to sfac
be bound by the conditions imposed under the
scheme.
 
22. Modifications and Exemptions
i. SFAC reserves the right to modify, cancel or
replace the scheme in any manner whatsoever
that it deems necessary , however so ensuring
that the rights or obligations arising out of,
or accruing under a guarantee issued under
the scheme up to the date on which such
modification, cancellation or replacement
comes into effect, shall not be affected.
ii. Notwithstanding anything contained herein,
SFAC shall have the right to alter the Terms
and Conditions of the Scheme in regard to
an Account in respect of which Guarantee
has not been invoked as on the date of such
alteration.
Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
iii. In the event of the Scheme being cancelled, no
claim shall lie against SFAC in respect of Credit
23. Interpretation
The decision of SFAC shall be final in regard to the
interpretation of any of the provisions of the Scheme
or of any directions or instructions or clarifications
given in connection therewith.
24. Supplementary and General Provisions
SFAC may make such supplementary or additional
provisions or issue such instructions or clarifications
as may be necessary for the purpose of the Scheme
in respect of any matter not specifically provided for
in this Scheme.
25. General Awareness/Publicity/Training
Programme
i. Institutions shall be selected and involved/
engaged to generate awareness about the
benefits of the Credit Guarantee Fund to Financial
Institutions, PSU, Scheduled Commercial Banks,
RRB, and last but not the least FPC.
ii. Services of Banking Institutions/NABARD and its
subsidiaries shall also be engaged for sensitizing
Branch Managers & other functionaries about
the Scheme.
26. Arbitration
i. Disputes, if any, arising out of the Agreement
shall be resolved through mutual consultation,
failing which Arbitration by a sole Arbitrator
chosen by the concerned LI and SFAC in
accordance with the provisions of the Arbitration
and Conciliation Act, 1996 shall be resorted to.
ii. The venue of the Arbitration shall be at New
Delhi.
 
 14

dh jde dh ekax djrh gS rFkk mls ;g jde eatjw dh 25- lkekU; tkx:drk @ çpkj @ çf'k{k.k dk;ZØe
tkrh gS] ds ckjs esa ;g le>k tk,xk fd mlus dkuwuh
rkSj ij viuh ck/;rk ds :i esa ;kstuk dh 'krks± ,Zoa i. foŸkh; laLFkkvks]a lkoZtfud {ks= miØeks]a vuqlfw pr
fu;eksa dks le> fy;k gS ,oa Lohdkj fd;k gSA okf.kfT;d cSd a ks]a {ks=h; xzkeh.k cSd
a ksa rFkk fdlku&
mRiknd daifu;ksa dks _.k xkjaVh fuf/k ls gksus okys ykksa
iv. tgka rd lao gksxk] ik= _.knkrk laLFkk lqfufÜpr ds ckjs esa voxr djkus ds fy, laLFkkvksa dk p;u fd;k
djsxh fd ;kstuk ds rgr xkjaVh—r fdlh [kkrs ls tk,xk rFkk çpkj & çlkj ds dke esa mudks 'kkfey
lacfa èkr dksbZ lafonk bl ;kstuk ds çko/kkuksa ds foijhr fd;k tk,xkA
u gksA
ii. ;kstuk ds ckjs esa 'kk[kk çca/kdksa ,oa vU; inkf/kdkfj;ksa
v. 
_.knkrk laLFkk }kjk dh xbZ fdlh lafonk ;k vU; ds laons hdj.k ds fy, cSd
a dkjh laLFkkvksa @ ukckMZ rFkk
nLrkost esa dksbZ vU; çko/kku gksus ds ckotwn ;kstuk bldh lgk;d bZdkb;ksa dh h lsok,a yh tk,axhA
ds çko/kku @ 'krs± ,sZls lh vU; çko/kkuksa ij bl rjg
vfkoh gksxa h ekuks fd ;s 'krs± l±xr nLrkost @ lafonk
esa fy[kh xbZ gSa rFkk y?kq —"kd —f"k O;kikj la?k ds lac/a k 26- iap QSlyk
esa ;kstuk ds rgr yxk;h xbZ 'krks± }Zkjk ca/ks gksx
a As i. djkj ls mRié fooknks]a ;fn dksbZ gks] dk lek/kku ijLij
ijke'kZ ds ek/;e ls fd;k tk,xk vkSj ,slk u gks ikus
22- la'kks/ku ,oa NwV ij e/;LFkrk ,oa lqyg vf/kfu;e 1996 ds çkoèkkuksa ds
vuqlj.k esa lacfa /kr _.knkrk laLFkk ,oa y?kq —"kd —f"k
i. y?kq —"kd —f"k O;kikj la?k fdlh h <ax ls ftls O;kikj la?k }kjk pqus x, ,dy e/;LFk }kjk iap QSlyk
;g vko';d le>s] ;kstuk dks la'kksf/kr] fujLr ;k dk lgkjk fy;k tk,xkA
çfrLFkkfir djus dk vf/kdkj lqjf{kr j[krk gSA rFkkfi]
bl ckr dk lqfuÜp; fd;k tk,xk fd ftl rkjh[k dks ii. iap QSlyk dk LFkku ubZ fnYyh gksxkA
,sls la'kks/ku,fujlu ;k çfrLFkkiu çkoh gksrs gSa ml
rkjh[k rd ;kstuk ds rgr tkjh fdlh xkjaVh ds rgr
mRié ;k çks˜rw vf/kdkj ;k ns;rk,a çkfor ugÈ gksx a hA
ii. blesa fufgr fdlh h ckr ds ckotwn] y?kq —"kd —f"k
O;kikj la?k dks fdlh [kkrs ftlds lac/a k esa ,sls ifjorZu
dh rkjh[k dks xkjaVh ykxw ugÈ dh xbZ gS , ds lac/a k
esa ;kstuk dh 'krks± ,Zoa fu;eksa dks ifjofrZr djus dk
vfèkdkj gksxkA
iii. 
;fn ;kstuk jí gks tkrh gS] rks _.k ds lac/a k esa y?kq
—"kd —f"k O;kikj la?k ds fo:) dksbZ nkok ugÈ cusxkA

23- O;k[;k
;kstuk ds fdlh h çko/kku ;k bl lac/a k esa çnku fn, x,
fdlh Li"Vhdj.k ;k tkjh dh xbZ fdlh fgnk;r ;k funZ's k
dh O;k[;k ds lac/a k esa y?kq —"kd —f"k O;kikj la?k dk fu.kZ;
vafre gksxkA

24- iwjd ,oa lkekU; çko/kku

y?kq —"kd —f"k O;kikj la?k ,sls iwjd ;k vfrfjä çko/kku dj
ldrk gS ;k ,sls vuqn's k ;k Li"Vhdj.k tkjh dj ldrk gS tks
bl ;kstuk esa fof'k"V :i ls fdlh ekeys ds ckjs esa çkoèkku
u gksus dh fLFkfr esa ;kstuk ds ç;kstu ds fy, vko';d gks
ldrs gSAa

fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
15

PART C: Project Development

Facility (PDF) for Equity Grant and
Credit Guarantee Fund Scheme
(a) SFAC will provide financial support to Farmer
Producer Companies (FPCs) for the preparation
of Equity Grant Application and Detailed
Project Reports (DPR) through empanelled
consultants/institutions. SFAC will cover the full
cost of preparation of DPR.

(b) 
The FPC desirous of seeking assistance for
preparation of Application or DPR can approach
the nearest empanelled consultant or SFAC
directly. The consultant will approach SFAC for
prior approval before preparation of bankable
DPR.

(c) SFAC will release cost of Application or DPR

preparation directly to the empanelled
consultant.

(d) 
All administrative and operational expenses
on PDF, Publicity and Administrative Support
shall be funded out of interest accrued from
the Corpus Fund created in respect of Credit
Guarantee Fund.

Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
 15

kx x% 'ks;j iwath vuqnku vkSj _.k xkjaVh

fuf/k ;kstuk ds fy, ifj;kstuk fodkl
lqfoèkk ¼ih Mh ,Q½
¼d½ y?kq —"kd —f"k O;kikj la?k ¼,l ,Q , lh½ iSuy esa
'kkfey ijke'kZnkrkvksa @ laLFkkvksa ds ek/;e ls 'ks;j
iwt
a h vuqnku ds fy, vkosnu rFkk foLr`r ifj;kstuk
fjiksVZ ¼Mh ih vkj½ rS;kj djus ds fy, fdlku& mRiknd
daifu;ksa ¼,Q ih lh½ dks foŸkh; lgk;rk çnku djsxkA
y?kq —"kd —f"k O;kikj la?k foLr`r ifj;kstuk fjiksVZ
rS;kj djus dh iwjh ykxr dh jikbZ djsxkA
¼[k½ vkonsu ;k foLr`r ifj;kstuk fjiksVZ rS;kj djus ds fy,
lgk;rk çkIr djus dh bPNqd fdlku& mRiknd daiuh
iSuy esa 'kkfey utnhdh ijke'kZnkrk ls ;k y?kq —"kd
—f"k O;kikj la?k ls lh/ks laidZ dj ldrh gSA cSd a dks
Lohdk;Z foLr`r ifj;kstuk fjiksVZ rS;kj djus ls iwoZ
ijke'kZnkrk iwoZ vuqeksnu ds fy, y?kq —"kd —f"k O;kikj
la?k ls laidZ djsxkA
¼x½ y?kq —"kd —f"k O;kikj la?k vkonsu ;k foLr`r ifj;kstuk
fjiksVZ rS;kj djus dh ykxr iSuy esa 'kkfey ijke'kZnkrk
dks lh/ks tkjh djsxkA
¼x½ ih Mh ,Q] çpkj ,oa ç'kklfud lgk;rk ij lh
ç'kklfud ,oa çpkyukRed O;; dks _.k xkjaVh fuf/k ds
lac/a k esa l`ftr dkWiZl QaM ls feyus okys C;kt ls foŸk
iksf"kr fd;k tk,xk

fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
Equity Grant and Credit Guarantee
Fund Scheme: Annexure
'ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk% vuqcaèk
17

Annexure 1: Application Form for seeking Equity Grant by FPC

To
Managing Director,
Small Farmers’ Agri-Business Consortium (SFAC) Date:
NCUI Auditorium, August Kranti Marg, Hauz Khas,
New Delhi 110016

Dear Sir,

Sub: Application for Equity Grant under EGCGFS

We herewith apply for Equity Grant as per the provisions of the EGF.

1. The details of the FPC are as given below:

Sl.
Particulars to be Furnsished Detalils
No.

1. Name of the FPC:

2. Correspondence address:

3. Contact details:

4. Registration Number:

5. Date of registration/incorporation of FPC:

6. Business of FPC:

7. Number of Share holder Members:

8. Number of Small, Marginal and

Landless Shareholder Members:

Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
 17

vuqca/k 1% fdlku & mRiknd daiuh }kjk 'ks;j iwath vuqnku çkIr djus ds fy, vkosnu i=
lsok es]a
çca/k funs'kd]
y?kq —"kd —f"k O;kikj la?k ¼,l ,Q , lh½] rkjh[k%
,u lh ;w vkbZ vkWWfMVksfj;e] vxLr Økafr ekxZ]
gkSt [kkl] ubZ fnYyh & 110 016
fç; egksn;]
fo"k;% 'ks;j iwt
a h vuqnku ,oa _.k xkjaVh fuf/k ;kstuk ds varxZr 'ks;j iwt
a h vuqnku ds fy, vkosnu
ge blds lkFk ¼bZ th ,Q½ 'ks;j iwt
a h½ ds çko/kkuksa ds vuqlkj 'ks;j iwt
a h vuqnku ds fy, vkosnu dj jgs gSAa

1- fdlku & mRiknd daiuh dk C;kSjk uhps fn;k x;k gS%

Øe la[;k çLrqr fd;k tkus okyk fooj.k C;kSjk

1. fdlku & mRiknd daiuh dk uke%

2. i=kpkj dk irk%

3. laidZ dk C;kSjk%

4. iathdj.k la[;k%

5. fdlku & mRiknd daiuh ds iat hdj.k @ fuxeu dh

rkjh[k%

6. 'ks;j /kkjd lnL;ksa dh la[;k%

7. NksVs] lhekar ,oa wfeghu 'ks;j /kkjd lnL;ksa dh la[;k%

8. vfèkÑr iwath ¼:i, esa½%

fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
18

Sl.
Particulars to be Furnsished Detalils
No.

9. Paid up Capital (in INR):

10. Amount of Equity Grant sought

(in INR):

11. Maximum shareholding of an

Individual Shareholder Member:

12. Maximum shareholding of an

Institutional Member:

13. Bank name in which account

is maintained:

14. Branch name & IFSC code:

15. Account number:

16. Number of Directors:

17. Mode of Board formation

(election/nomination):

18. Number of Women Directors:

19. Dates of Board Meetings

held in the last year:

20. Number of functional committees 1.

of the FPC: (Mention the major 2.
activities of each committee)
3.

21. Roles & Responsibilities of 1.

Board of Directors: 2.
3.
5.

Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
 18

Øe la[;k çLrqr fd;k tkus okyk fooj.k C;kSjk

9. çnŸk iwath ¼:i, esa½%

10. 'ks;j iwath vuqnku dh jkf'k ftldh ekax dh xbZ gS

¼:i, esa½%

11.
fdlh O;fäxr 'ks;j /kkjd lnL; dh vf/kdre 'ks;j
èkkfjrk%

12. fdlh laLFkkfud 'ks;j /kkjd lnL; dh vf/kdre 'ks;j

èkkfjrk%

13. cSad dk uke ftlesa [kkrk [kksyk x;k gS%

14. 'kk[kk dk uke rFkk vkbZ ,Q ,l lh dksM%

15.
[kkrk la[;k%

16. funs'kdksa dh la[;k%

17. funs'kd eaMy ds xBu dk rjhdk ¼pquko@ukekadu½%

18. efgyk funs'kdksa dh la[;k%

19. fiNys lky vk;ksftr cksMZ cSBdksa dh rkjh[ksa%

20. fdlku & mRiknd daiuh dh dkedkth lfefr;ksa dh 1.

la[;k ¼çR;sd lfefr dh çeq[k xfrfof/k;ksa dk mYys[k 2.
djsa½% 3.

21. funs'kd eaMy dh wfedk,a ,oa ftEesnkfj;ka% 1.

2.
3.
5.

fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
19

2. Details of Board of Directors

Sl. Name of BoD Designation/ DIN Qualifications Tenure Contact No./ Land
No. Members Role in the Num- (in Address Holding
FPC ber yrs.) (in Acres)

1.

2.

3.

4.

5.

6.

7.

3. Details of Shareholding of FPC Members:

# Number of shareholders Number and face value (INR) of Total amount paid (including
shares allotted premium in INR.)

Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
 19

2- funs'kd eaMy dk C;kSjk

Øe funs'kd eaMy ds fdlku & Mh vkbZ ;ksX;rk,a dk;Zdky laidZ uacj@irk tksr
la[;k lnL;ksa dk uke mRiknd daiuh ,u la[;k ¼o"kZ esa½ ¼,dM+ esa½
esa in@Hkwfedk

1.

2.

3.

4.

5.

6.

7.

3- fdlku & mRiknd daiuh ds lnL;ksa dh 'ks;j èkkfjr dk C;kSjk%

Øe la[;k 'ks;j èkkjdksa dh la[;k vkcafVr 'ks;jksa dh la[;k ,oa vafdr ewY; çhfe;e lesr dqy çnÙk jkf'k
la[;k ¼:i, esa½ ¼:i, esa½

fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
20

We submit our application along with the mandatory documents and request that the equity grant be
approved.

Yours faithfully,

Chief Executive Officer President/

Authorised Representative/ Director of FPC
C

*List of mandatory documents to be attached with the application form

i. Shareholder List and Share Capital contribution by each Member, verified and certified by a Chartered
Accountant (CA) prior to submission (Format attached, Annexure 1- Enclosure 1).

ii. Resolution of FPC Board/Governing Council to seek Equity Grant for Members (Format attached,
Annexure 1- Enclosure 2).

iii. Consent of Shareholders, stating name of shareholder, gender, number of shares held, face value of
shares, land holding, and signature, signifying consent for SFAC to directly transfer the Equity Grant
sanctioned to the FPC on their behalf, to FPC Bank account, against the consideration of additional
shares of equivalent value to be issued to them by FPC and on exit- transfer of the shares as per rules
(Format attached, Annexure1-Enclosure 3).

iv. Audited Financials of FPC for a minimum 1 year/for all years of existence of the FPC if formed less than
three years prior to application/ for the last 3 years for FPC in existence for 3 years or more, verified and
certified by a Chartered Accountant (CA) prior to submission.

v. Photocopy of FPC Bank Account Statement for last six months authenticated by Branch Manager.

vi. Business plan and budget for next 18 months.

vii. Names, photographs, and identity proof (one from among ration card, Aadhaar card, election
identification card, and passport of Representatives/ Directors authorised by the Board for executing
and signing all documents under the Scheme.

viii. Each page of Application Form and accompanying documents should be signed by a minimum of two
Board Member Authorised Representatives of FPC;

Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
 20

ge vko';d nLrkostksa ds lkFk viuk vkosnu tek dj jgs gSa rFkk vuqjks/k gS fd 'ks;j iwt
a h vuqnku vuqeksfnr djus dh —ik
dh tk,A

Hkonh;]

eq[; dk;Zikyd vfèkdkjh vè;{k@vfèkÑr çfrfufèk@funs'kd

fdlku & mRiknd daiuh

vkosnu i= ds lkFk vfuok;Z :i ls layXu fd, tkus okys nLrkostksa dh lwph%

i. 'ks;j /kkjd lwph rFkk çR;sd lnL; }kjk 'ks;j iwt
a h va'knku tks vkosnu çLrqr djus ls iwoZ fdlh lunh ys[kkdkj ¼lh ,½
}kjk lR;kfir ,oa çekf.kr gksuk pkfg, ¼çk:i layXu gS] vuqc/a k 1 & ikfjf'k"V 1½A
ii. lnL;ksa ds fy, 'ks;j iwt
a h vuqnku çkIr djus ds fy, fdlku & mRiknd daiuh ds funs'kd eaMy@'kklh ifj"kn dk ladYi
¼çk:i layXu gS] vuqc/a k 1 & ikfjf'k"V 2½A
iii. 'ks;j /kkjdksa ds uke] fyax] /kkfjr 'ks;jksa dh la[;k, 'ks;jksa ds vafdr ewY;] tksr ds mYys[k rFkk gLrk{kj ds lkFk 'ks;j
èkkjdksa dh lgefr ftlls fdlku & mRiknd daiuh }kjk mudks tkjh fd, x, lerqY; ewY; ds vfrfjä 'ks;jksa ds çfrQy
ds fo:) fdlku & mRiknd daiuh ds cSd a [kkrs esa mudh vksj ls fdlku & mRiknd daiuh dks Loh—r 'ks;j iwt a h vuqnku
lh/ks varfjr djus vkSj 'ks;j /kkjd fudyus dh fLFkfr esa fu;eksa ds vuqlkj 'ks;jksa ds varj.k ds fy, y?kq —"kd —f"k O;kikj
la?k ds fy, lgefr dk ladrs çkIr gks ¼çk:i layXu gS] vuqc/a k 1 & ikfjf'k"V 3½A
iv. ;fn fdlku & mRiknd daiuh dk xBu rhu lky ls de igys fd;k x;k gS] rks de ls de ,d o"kZ ds fy, vkSj ;fn
;g rhu lky ;k vf/kd vof/k ds fy, vfLrRo esa gS] rks vfLrRo esa gksus ds lh o"kks± dZs fy, fdlku & mRiknd daiuh
dk ys[kk ijhf{kr foŸkh; fooj.k] tks vkonsu çLrqr djus ls iwoZ fdlh lunh ys[kkdkj ¼lh ,½ }kjk fof/kor :i ls lR;kfir
,oa çekf.kr gksuk pkfg,A
v. fiNys 6 eghuksa ds fy, fdlku & mRiknd daiuh ds cSd
a [kkrk fooj.k dh Nk;kçfr] tks 'kk[kk çca/kd }kjk çekf.kr gksuh
pkfg,A
vi. vxys 18 eghuksa ds fy, dkjksckj ;kstuk ,oa ctVA
vii. ;kstuk ds rgr lh nLrkostksa dks fu"ikfnr djus ,oa mu ij gLrk{kj djus ds fy, cksMZ }kjk fof/kor :i ls vf/k—r
çfrfuf/k;ks@
a funs'kdksa dk uke] Nk;k fp= vkSj igpku dk çek.k ¼jk'kudkMZ] vk/kkj dkMZ] ernkrk igpku i=] ikliksVZ esa
ls dksbZ h½A
viii. vkosnu i= ds çR;sd i`"B ij rFkk blds lkFk layXu lh nLrkostksa ds çR;sd i`"B ij fdlku & mRiknd daiuh ds de
ls de nks cksMZ lnL;ks@
a vf/k—r çfrfuf/k;ksa }kjk gLrk{kj gksuk pkfg,A

fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
21

Annexure 1- Enclosure 1: FPC Shareholder List (all share holders)

Sl. Member Date of Share Money No. of Shares Folio Share Land Land Record
No. Name & Membership deposited by allotted distinctive Holding of (Khasra No.)
Gender member (Rs.) (Share Value Number Shareholders
in INR) (in Acres)

Signature of President Signature of CEO

Name: Name:
Place: Place:
Date: Date:

Varified and certified by Charted Accountant (CA) (Sign and Seal)

Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
 21

vuqcèa k 1 & ikfjf'k"V 1% fdlku & mRiknd daiuh ds 'ks;j /kkjdksa dh lwph ¼lh 'ks;j /kkjd½

Øe lnL; dk lnL;rk dh lnL; }kjk vkcafVr 'ks;jksa iUuk 'ks;j fo'ks"k 'ks;j èkkjdksa dh Hkwfe vfHkys[k
la[;k uke ,oa rkjh[k tek dh xbZ dh la[;k ,oa la[;k tksr ¼,dM+ esa½ ¼[kjk la[;k½
fyax 'ks;jiwath vafdr ewY;
¼:i, esa½ ¼:i, esa½

vè;{k dk gLrk{kj eq[; dk;Zikyd vfèkdkjh dk gLrk{kj

Ukke% uke%
LFkku% LFkku%
rkjh[k% rkjh[k%

lunh ys[kkdkj }kjk lR;kfir ,oa çekf.kr ¼gLrk{kjd ,oa eqgj½

fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
22

Annexure 1- Enclosure 2: Resolution of BoD of FPC to seek Equity Grant

for Shareholders (Certified True Copy)
a) Place of meeting….................................................................................................................
b) Date of meeting….......................................................................................................................

Agenda of Meeting: to avail Equity Grant support

Whereas the FPC has been formed under _______________ (legal registration status of FPC) and on the
basis of the decision of the AGM/EoGM (held on _________________ (mention the date) to avail Equity
Grant support under the EGCGF Scheme.

We, the Board of Directors of the FPC unanimously resolve that:

i. The grant shall be utilised for business enhancement of the FPC.

ii. The basis of allocation of the said fund shall be the individual share money contribution by members
and in accordance with the criteria laid down at Section 6 of the Scheme.

iii. The accounts of the said grant shall be maintained in a proper manner.

iv. The benefit of the said support shall be extended shareholder member wise and shall be available to an
individual till s/he is the member of the FPC.

v. If a shareholder member quits the FPC at any point, the shares issued in lieu of the grant shall be retained
by the FPC and shall not be paid to the member but shall be allocated to a new/additional existing
member (as per section 6 vi. of EGS guidelines). This has been discussed in the Special AGM held for this
purpose on---------- and the Shareholders are fully cognizant of the Terms and Conditions of the Scheme
& have agreed to abide by the same.

We further resolve that to execute the documents pertaining to this support, the President / in his stead
any one of the following Directors of the FPC for any reason due to non availability of the President and the
Chief Executive of FPC, whose signatures are given below and certified by the Bank are authorised to sign
all documents and forms jointly. Further resolved that this Resolution be communicated to SFAC and shall
remain in force until further notice in writing.

Signed by the CEO & Board of Directors and Sealed

Sl. No. Name Designation Signatures

Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
 22

vuqc/a k 1 & ikfjf'k"V 2% 'ks;j /kkjdksa ds fy, 'ks;j iwt

a h vuqnku çkIr djus ds fy, fdlku &
mRiknd daiuh ds funs'kd eaMy dk ladYi ¼lR;kfir lgh çfrfyfi½
d½ cSBd dk LFkku ….................................................................................................................
[k½ cSBd dh rkjh[k ….......................................................................................................................

cSBd dk ,tsaMk% 'ks;j iwath vuqnku lgk;rk çkIr djuk

tcfd fdlku & mRiknd daiuh dk xBu -------------------------------------- ¼fdlku & mRiknd daiuh ds dkuwuh iathdj.k dk LVsVl½ ds
rgr fd;k x;k gS rFkk bZ th lh th ,Q ;kstuk ds rgr 'ks;j iwath vuqnku lgk;rk çkIr djus ds fy, -------------------------------------
¼rkjh[k dk mYys[k djsa½ dks vk;ksftr okf"kZd vke cSBd@'kklh fudk; cSBd ds fu.kZ; ds vk/kkj ij]

ge] fdlku & mRiknd daiuh ds funs'kd eaMy] loZlEefr ls ladYi ikfjr djrs gSa fd%

i. vuqnku dk ç;ksx fdlku & mRiknd daiuh ds dkjksckj dks c<+kus ds fy, fd;k tk,xkA
ii. mä fuf/k ds vkcaVu dk vk/kkj lnL;ksa }kjk O;fäxr 'ks;j iwath va'knku gksxk rFkk ;g vkcaVu ;kstuk ds [kaM 6 esa
fuèkkZfjr ekinaMksa ds vuqlkj fd;k tk,xkA
iii. mä vuqnku dk [kkrk leqfpr <ax ls j[kk tk,xkA
iv. mä vuqnku dk yk lnL;okj 'ks;j /kkjdksa dks çnku fd;k tk,xk rFkk ;g O;fäxr lnL;ksa dks rc rd miyC/k jgsxk
tc rd fd og fdlku & mRiknd daiuh dk lnL; cuk jgrk gSA
v. ;fn dksbZ 'ks;j /kkjd lnL; fdlh le; fdlku & mRiknd daiuh dh lnL;rk NksM+ nsrk gS] rks vuqnku ds cnys esa
tkjh fd, x, 'ks;j fdlku & mRiknd daiuh }kjk vius ikl j[ks tk,axs vkSj mldk qxrku lnL; dks ugÈ fd;k
tk,xk] vfirq ;g fdlh u,@vfrfjä fo|eku lnL; dks vkcafVr fd;k tk,xk ¼bZ th ,l fn'kkfunZs'k ds [kaM 6 ¼vi½
ds vuqlkj½A bl ij ----------------------- dks bl ç;kstukFkZ vk;ksftr fo'ks"k okf"kZd vke cSBd esa ppkZ gqbZ gS rFkk 'ks;j /kkjdksa
dks bl ;kstuk dh 'krks± ,Zoa fu;eksa ds ckjs esa iwjh tkudkjh gS vkSj mUgksaus budk ikyu djus ds fy, viuh lgefr O;ä
dh gSA

ge ;g h ladYi djrs gSa fd bl vuqnku ls lacaf/kr nLrkostksa ds fu"iknu ds fy, v/;{k vFkok fdlku & mRiknd daiuh
ds v/;{k ,oa eq[; dk;Zikyd vf/kdkjh ds fdlh h dkj.k ls miyC/k u gksus dh fLFkfr esa fdlku & mRiknd daiuh ds
fuEufyf[kr funs'kdksa esa ls dksbZ ,d] ftuds gLrk{kj uhps fn, x, gSa rFkk cSad }kjk çekf.kr fd, x, gSa] lh nLrkostksa ,oa
çi=ksa ij la;qä :i ls gLrk{kj djus ds fy, vf/k—r gSaA ;g h ladYi fd;k tkrk gS fd bl ladYi dks y?kq —"kd —f"k
O;kikj la?k ds ikl stk tk,xk rFkk fyf[kr :i esa vxys uksfVl rd ;g çkoh jgsxkA

eq[; dk;Zikyd vfèkdkjh rFkk funs'kd eaMy ds gLrk{kjd ,oa eqgj

Øe la[;k uke inuke gLrk{kj

fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
23

Annexure 1- Enclosure 3: Consent Form of all Shareholders

We are Shareholders in _________________ (Name of the FPC) located in ______________(Name

of village/block/district/State). We have purchased _____________ (number of issued Shares) worth
Rs. _____________(value of the issued Shares) from the FPC, as per the list below:

(List to be attached stating name of shareholder, gender, number of shares held, face value of shares, land
holding, and signature.)

We have been informed about /read the Terms and Conditions of the EGF and agree to the same.
In particular, each shareholder hereby agrees that the entire amount of Equity Grant sanctioned by SFAC on
our behalf be directly transferred to our FPC’s account towards the consideration of additional shares to be
issued to us of equivalent amount in the FPC.

On receipt of the amount, the FPC shall immediately, issue additional shares to respective shareholders, of
the equivalent amount sanctioned to each shareholder by the SFAC.

We also agree that should any shareholder at any point cease to be a Member of the FPC for any reason
whatsoever, the additional shares against the Equity Grant that stand in his/her name shall be retained by
the FPC to be allocated to another Member as specified under the Scheme and that in such a case, he shall
not receive the value of the share.

In support of our consent, we have affixed our signatures /thumb impressions below:
Consent details:-
# Name & Gender of Current Equity Hold- Current Landholding (in Signatures/Thumb
Shareholder ing (Number and Face acres.) impressions
Value in INR)
1.
2.
3.

We declare that the information furnished by the shareholders above is true.

Chief Executive Officer (Seal) President/Authorised Signatory

Certified by a Chartered Accountant (CA) (Seal)

Countersigned by Bank Manager (of the Bank where the FPC has the account) (Seal)

Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
 23

vuqc/a k 1 & ikfjf'k"V 3% lh 'ks;j /kkjdksa dk lgefr i=

ge -------------------------------------------- ¼xkao@CykWd@ftyk@jkT; dk uke½ esa fLFkr ------------------------------- ¼fdlku & mRiknd daiuh dk
uke½ esa 'ks;j /kkjd gSaA geus uhps nh xbZ lwph ds vuqlkj fdlku & mRiknd daiuh ls -------------------------------------------- ¼tkjh fd,
x, 'ks;jksa dk ewY;½ :i, ewY; ds ------------------------------- ¼tkjh fd, x, 'ks;jksa dh la[;k½ [kjhns gSa%

¼layXu dh tkus okyh lwph ftlesa 'ks;j /kkjd ds uke] fyax] /kkfjr 'ks;jksa dh la[;k, 'ks;jksa ds vafdr ewY; dk mYys[k
gksxk rFkk mudk gLrk{kj gksxkA½
gesa bZ th ,Q dh 'krks± ,Zoa fu;eksa ds ckjs esa lwfpr fd;k x;k gS @ geus bUgsa i<+ fy;k gS rFkk ge buls lger gSaA
fo'ks"k :i ls] çR;sd 'ks;j /kkjd ,rr}kjk lger gS fd gekjh vksj ls y?kq —"kd —f"k O;kikj la?k }kjk Loh—r 'ks;j iwath
vuqnku dh lewph jkf'kfdlku & mRiknd daiuh esa lerqY; jkf'k esa gesa tkjh djus ds fy, vfrfjä 'ks;jksa ds fopkjkFkZ
gekjh fdlku & mRiknd daiuh ds [kkrs esa lh/ks varfjr dh tk,xhA
/kujkf'k çkIr gksus ij] fdlku & mRiknd daiuh rRdky y?kq —"kd —f"k O;kikj la?k }kjk çR;sd 'ks;j /kkjd dks Loh—r
lerqY; jkf'k lacaf/kr 'ks;j /kkjd dks vfrfjä 'ks;j ds :i esa tkjh djsxhA
ge bl ckr ij h lger gSa fd ;fn dksbZ 'ks;j /kkjd fdlh h le; fdlh h dkj.k ls fdlku & mRiknd daiuh dk
lnL; ugÈ jg tkrk gS] rks fdlku & mRiknd daiuh }kjk mlds uke esa ekStwn 'ks;j iwath vuqnku ds fo:) vfrfjä 'ks;j
vius ikl j[ks tk,axs ftls ;kstuk ds rgr fufnZ"V <ax ls nwljs lnL; dks vkcafVr fd;k tk,xk rFkk bl rjg ds ekeys
esa og 'ks;j dk ewY; çkIr ugÈ djsxkA

viuh lgefr ds leFkZu esa ge uhps viuk gLrk{kj dj jgs gSa@vaxwBs dk fu'kku yxk jgs gSa%
lgefr dk C;kSjk%
-
Øe la[;k 'ks;j èkkjd dk orZeku esa èkkjfr 'ks;j iwath orZeku tksr ¼,dM+ esa½ gLrk{kj@vaxwBs dk
la[;k uke ,oa fyax ¼la[;k ,oa vafdr ewY;½ fu'kku
:i, esa½
1.
2.
3.

ge ?kks"k.kk djrs gSa fd 'ks;j /kkjdksa }kjk çLrqr mi;Zqä lwpuk lgh gSA

eq[; dk;Zikyd vf/kdkjh ¼eqgj½ v/;{k@vf/k—r gLrk{kjdrkZ

fdlh lunh ys[kkdkj ¼lh ,½ }kjk çekf.kr ¼eqgj½

ftl cSad esa fdlku & mRiknd daiuh dk [kkrk gS ml cSad ds çca/kd }kjk çfrgLrk{kfjr ¼eqgj½

fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
24

Annexure 2: Agreement between SFAC and FPC

This Agreement is executed on this __________ (day) of ______ (year)
between ___________ (Name of FPC), (hereinafter called the “Recipient”), having registered office at
_______________________________________________________________________________________
_______________________________________________________________________________________
________________________________________________________________________(which includes its
assignees)as first party, and Small Farmers’ Agribusiness Consortium,(SFAC) a Society registered under the
Societies Registration Act 1860, having its registered office at NCUI Auditorium Building, 5th Floor, 3, Siri
Institutional Area, August Kranti Marg, Hauz Khas, New Delhi 110016, (hereinafter called “SFAC”), as second
party.

Whereas SFAC is a Development Institution with its core aims and objectives focused on supporting small
and marginal farmers and farmer producer organizations.

And whereas “Recipient” is a ________________________________________________________________

_______________________________________________________________________________________
_______________________________________________________________________________________
___( About FPC & its activities-a brief )

Equity Grant Sanction by SFAC

1. The “Recipient” has applied to the SFAC for Equity Grant amount of Rs.___________ (amount in figures.)
Rs._____________________(amount in words.) on _____________(date)

2. SFAC has considered and sanctioned to (Name of “Recipient”) an amount of Rs.___________ (amount
in figures.) Rs._____________________ (amount in words) as an Equity Grant to be converted into
additional shares to its shareholders as per the attached list on the date of Application.

3. The purpose of the Equity Grant is to support FPC (Name of “Recipient”) to undertake the following:

o List of the activities: -------------------------------------

The disbursement shall be made subject to the following terms and conditions:
i. The Equity Grant is to be mandatorily used to increase Member Shareholders’ shareholding in
the “Recipient” equivalent to the amount of Grant sanctioned to the Recipient on the behalf of
Shareholders.

ii. The amount of Equity Grant sanctioned by the SFAC to the “Recipient” as shareholder equity shall
be directly transferred to the Account of the “Recipient” in -----”Bank”,-----------(Address ) under the
jurisdiction of the-----------Zonal Branch.

iii. The FPC shall, within 45 days of the receipt of the Equity Grant, issue additional shares to its shareholder
members, equivalent to the value to the amount of the Grant received by it.

Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
 24

vuqc/a k 2% y?kq —"kd —f"k O;kikj la?k rFkk fdlku & mRiknd daiuh
;g djkj çFke i{kdkj ds :i esa ----------------------------------------- ¼fdlku & mRiknd daiuh dk uke½ ¼blds ckn ;gka vkxs ßçkIrdrkZÞ
dgk x;k gS½] ftldk iath—r dk;kZy; ----------------------------------------------------------------------------------------------------------------------------esa gS ¼ftlesa blds
leuqnsf'krh 'kkfey gSa½ rFkk f}rh; i{kdkj ds :i esa y?kq —"kd —f"k O;kikj la?k ¼,l ,Q , lh½] tks lkslk;Vh iathdj.k
vf/kfu;e 1860 ds varxZr iath—r lkslk;Vh gS rFkk ftldk iath—r dk;kZy; ,u lh ;w vkbZ, vkWWfMVksfj;e fcfYMax] ikapoka
ry] 3] lhjh laLFkkfud {ks=] vxLr Økafr ekxZ] gkSt [kkl] ubZ fnYyh & 110 016 esa gS ¼blds ckn ;gka vkxs ßy?kq —"kd —f"k
O;kikj la?kÞ dgk x;k gS½ ds chp vkt fnukad ----------------------------------------------- dks fu"ikfnr fd;k tkrk gSA

tcfd y?kq —"kd —f"k O;kikj la?k ,d fodkl laLFkk gS vkSj bldk eq[; y{; ,oa mís'; NksVs ,oa lhekar fdlkuksa rFkk
fdlku & mRiknd la?kksa dh lgk;rk djuk

vkSj tcfd çkIrdrkZ ______________________________________________________________________

_____________________________________________________________________________________
______________________________________________________________________________________
¼fdlku & mRiknd daiuh ,oa mldh xfrofèk;ksa dk laf{kIr C;kSjk çLrqr djsa½ gSA

y?kq —"kd —f"k O;kikj la?k }kjk 'ks;j iwt

a h vuqnku dh Loh—fr
1- çkIrdrkZ us -------------------------------------------- ¼rkjh[k½ dks ------------------ --------------------------------------- :i, ¼jkf'k vadks esa½ -------------------------------
------------------------------ :i, ¼jkf'k 'kCnksa esa½ dh 'ks;j iwath vuqnku jkf'k ds fy, y?kq —"kd —f"k O;kikj la?k ds ikl vkonsu
fd;k gSA
2- y?kq —"kd —f"k O;kikj la?k us bl ij fopkj fd;k gS vkSj vkosnu dh rkjh[k dks layXu lwph ds vuqlkj blds 'ks;j
èkkjdksa dh 'ks;j iwath esa ifjofrZr djus ds fy, -------------------------- ---------------------¼çkIrdrkZ dk uke½ dks 'ks;j iwath vuqnku ds
:i esa ---------------------- ----------- ------------------------ :i, ¼jkf'k vadks esa½ ----------- ------------ --------------- -------------------- :i, ¼jkf'k 'kCnksa esa½
dh jkf'k Loh—r fd;k gSA
3- 'ks;j iwath vuqnku dk ç;kstu fuEufyf[kr dk;ks± dZs fy, fdlku & mRiknd daiuh ¼çkIrdrkZ dk uke½ dh lgk;rk djuk
gS%

o xfrfof/k;ksa dh lwph -------------------------------------

;g laforj.k fuEufyf[kr 'krks± ,oa fu;eksa ds v/khu fd;k tk,xk%
i. 'ks;j iwath vuqnku dk ç;ksx vfuok;Z :i ls 'ks;j /kkjdksa dh vksj ls çkIrdrkZ dks Loh—r vuqnku dh jkf'k ds lerqY;
çkIrdrkZ esa lnL; 'ks;j /kkjdksa ds 'ks;jksa dh la[;k c<+kus ds fy, fd;k tk,xkA
ii. 
'ks;j /kkjdksa dh 'ks;j iwath ds :i esa çkIrdrkZ dks y?kq —"kd —f"k O;kikj la?k }kjk Loh—r 'ks;j iwath vuqnku dh
jkf'k -------------------- ------ ------------------------ 'kk[kk çca/kd ds {ks=kf/kdkj esa ------------------------------ ¼cSad½ ---------------- ------------------------- ¼irk½ esa
çkIrdrkZ ds [kkrs esa lh/ks varfjr dh tk,xhA
iii. 'ks;j iwath vuqnku çkIr gksus dh rkjh[k ls 45 fnu ds vanj fdlku & mRiknd daiuh Lo;a }kjk çkIr vuqnku dh jkf'k
ds lerqY; ewY; esa vius 'ks;j /kkjd lnL;ksa dks vfrfjä 'ks;j tkjh djsxhA

fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
25

iv. The “Recipient” shall submit to SFAC, a List of Additional Shares issued by it to its Shareholder Members
under this Scheme, along with the respective Folio Numbers, verified and certified by a Chartered
Accountant (CA), within 45 days of the funds having been received by it.

v. The “Recipient” shall be allowed to draw the Equity Grant in two tranches (within a period of 2 years of
the first application) subject to the cap of Rs 10 lakhs per “Recipient” , provided and to the extent that
it is able to raise additional Member Equity and has utilized the first tranche as laid down under this
Scheme. The request for the second tranche shall be treated as a fresh application and the full process
of due diligence shall be repeated.

vi. In the event that a Shareholder, who receives additional shares through the SFAC Grant, exits the
“Recipient” /ceases to be a Member at any point, the additional shares received through the SFAC Grant
& standing in his/her name must be transferred to another new/ existing Shareholder. In such cases, the
original shareholder cannot receive the value of the additional shares transferred to other/new members.

vii. Such transfer should be effected within 90 days of the shareholder’s exit/ceasing to be a member
through a transparent draw of lots and the transferees shall be new/ existing equity Shareholders.
Preference shall be given to new members wherever applicable.

viii. SFAC reserves all rights to call for/inspect any information/documents relating to the “Recipient” as and
when required.

ix. SFAC is authorised to examine the accounts of the “Recipient” and supporting documents at any
time during the period of this Agreement. The recipient agrees to provide all relevant information or
explanations that SFAC may reasonably request.

x. During the period of this Agreement, the “Recipient” undertakes to:

(a) Conduct it’s routine business following the principles of Good Governance such as accountability,
transparency and development orientation etc.;
(b) Keep SFAC informed of any adverse situation e.g. cancellation of its registration, resignation of Directors
or Board members, involvement in a legal case, etc.

xi. In the event of violation of any of the terms and conditions herein contained or contained in the rules
or any of the instructions issued by the SFAC from time to time or misappropriation of the Equity Grant
sanctioned and released by the SFAC , the SFAC shall have the right to demand and enforce forthwith
repayment of the entire amount of Equity grant sanctioned by it.

xii. In particular, SFAC shall have the right to recall the Equity Grant amount and the “Recipient” shall be
legally liable to comply with the same in the case of:
a). Non conversion into Member Equity of Grant received by “Recipient” in the manner specified and failure
to communicate the details of the share issue to the SFAC within 45 days of the receipt of the grant,
b). Dissolution of “Recipient” within 3 years of the receipt of the Equity Grant
c). Instances of misuse / misappropriation of the Equity Grant
d). Failure on part of the FPC to refund the Equity Grant to SFAC recalled by SFAC on account of either of the
above conditions shall attract legal action by SFAC within the provisions of the Scheme.

xiii. For matters not specifically provided herein, the “Recipient” hereby agrees to abide by all the terms and
conditions contained in the rules as may be amended from time to time as if these rules are set out
herein and forming part of the agreement.

Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
 25

iv. /kujkf'k çkIr gksus dh rkjh[k ls 45 fnu ds vanj çkIrdrkZ bl ;kstuk ds rgr vius 'ks;j /kkjd lnL;ksa dks tkjh fd,
x, vfrfjä 'ks;jksa dh lwph y?kq —"kd —f"k O;kikj la?k dks çLrqr djsxk vkSj lkFk gh lacaf/kr iék la[;k h çLrqr
djsxk tks fdlh lunh ys[kkdkj }kjk lR;kfir ,oa çekf.kr gksus pkfg,A
v. çkIrdrkZ dks çfr çkIrdrkZ 10 yk[k :i, dh vf/kdre lhek ds v/khu nks [ksiksa esa ¼çFke vkosnu ds nks o"kZ dh vof/k
ds vanj½ 'ks;j iwath vuqnku vkgfjr djus dh vuqefr gksxh ijarq ;g bl 'krZ ds v/khu h gksxk fd ;g vfrfjä lnL;
'ks;j iwath tqVkus esa leFkZ gS vkSj igyh [ksi dk mi;ksx bl ;kstuk ds rgr fu/kkZfjr <ax ls fd;k x;k gSA nwljh [ksi
ds fy, vuqjks/k dks u, vkosnu ds :i esa fy;k tk,xk rFkk leqfpr lko/kkuh dh iwjh çfØ;k nksgjkbZ tk,xhA
vi. ;fn dksbZ 'ks;j /kkjd] tks y?kq —"kd —f"k O;kikj la?k ds vuqnku ds ek/;e ls vfrfjä 'ks;j çkIr djrk gS] fdlh h
le; fdlku & mRiknd daiuh dks NksM+ tkrk gS@lnL; ugÈ jg tkrk gS] rks y?kq —"kd —f"k O;kikj la?k ds vuqnku ds
ek/;e ls çkIr rFkk mlds uke esa iM+s vfrfjä 'ks;j nwljs u,@fo|eku 'ks;j /kkjd dks vo'; varfjr fd, tkus pkfg,A
bl rjg ds ekeys esa] ewy 'ks;j /kkjd nwljs@u, lnL; dks varfjr vfrfjä 'ks;jksa dk ewY; çkIr ugÈ dj ldrk gSA
vii. 'ks;j /kkjd ds NksM+ tkus @ lnL; ds :i esa u cus jgus dh rkjh[k ls 90 fnu ds vanj ikjn'kÊ <ax ls ykVjh ds
ek/;e ls ,sls varj.k dks çkoh fd;k tkuk pkfg, rFkk varfjrh u, @ fo|eku 'ks;j iwath /kkjd gksaxsA tgka ykxw gksxk]
u, lnL;ksa dks ojh;rk nh tk,xhA
viii. t:jr iM+us ij] y?kq —"kd —f"k O;kikj la?k “çkIrdrkZ” ls lacaf/kr fdlh lwpuk @ nLrkost dks eaxkus @ fujh{k.k djus
ds lh vf/kdkj lqjf{kr j[krk gSA
ix. y?kq —"kd —f"k O;kikj la?k bl djkj dh vof/k ds nkSjku fdlh h le; çkIrdrkZ ds [kkrksa rFkk leFkZd nLrkostksa dh
tkap djus ds fy, vf/k—r gSA çkIrdrkZ ,slh lh laxr lwpuk,a ;k Li"Vhdj.k miyC/k djkus ds fy, lger gS ftlds
fy, y?kq —"kd —f"k O;kikj la?k rdZlaxr <ax ls vuqjks/k dj ldrk
x. bl djkj dh vof/k ds nkSjku çkIrdrkZ fuEufyf[kr dk opu nsrk gS%
¼d½ 'kklu ds fl)karksa tSls fd tokcnsgh] ikjnf'kZrk ,oa fodkl mUeq[khdj.k vkfn dk vuqlj.k djrs gq, vius useh dkjksckj
dk lapkyu djuk(
¼[k½ fdlh çfrdwy fLFkfr ds ckjs esa y?kq —"kd —f"k O;kikj la?k dks tkudkjh çnku djuk] mnkgj.k ds fy, iathdj.k dk
jí gks tkuk] funs'kdksa ;k funs'kd eaMy ds lnL;ksa dk R;kxi=] fdlh dkuwuh okn esa lafyIrrk vkfnA
xi. blesa fufgr ;k le; & le; ij y?kq —"kd —f"k O;kikj la?k }kjk tkjh fu;eksa ;k fdlh h vuqns'k esa fufgr 'krks± ,Zoa
fu;eksa esa ls fdlh ds mYya?ku ;k y?kq —"kd —f"k O;kikj la?k }kjk Loh—r ,oa tkjh 'ks;j iwath vuqnku ds nqfoZfu;kstu
dh fLFkfr esa] y?kq —"kd —f"k O;kikj la?k Lo;a }kjk tkjh fd, x, 'ks;j iwath vuqnku dhiwjh jkf'k dks ekaxus rFkk rRdky
qxrku çkoh djus dk vf/kdkj j[krk gSA

xii. fo'ks"k :i ls] fuEufyf[kr ekeyksa esa y?kq —"kd —f"k O;kikj la?k dks 'ks;j iwath vuqnku dh jkf'k okil ekaxus dk vfèkdkj
gksxk rFkk ^çkIrdrkZ* bldk ikyu djus ds fy, dkuwuh rkSj ij ck/; gksxk%
¼d½ çkIr gksus dh rkjh[k ls 45 fnu ds vanj fufnZ"V <ax ls çkIrdrkZ }kjk çkIr vuqnku dks lnL; dh 'ks;j iwt a h esa
ifjofrZr u djuk rFkk 'ks;j tkjh djus ds C;kSjksa ds ckjs esa y?kq —"kd —f"k O;kikj la?k dks lwfpr u djuk(
¼[k½ 'ks;j iwt
a h vuqnku çkIr gksus dh rkjh[k ls 3 lky ds vanj fdlku & mRiknd daiuh dk ax gks tkuk(
¼x½ 'ks;j iwta h vuqnku ds nq:i;ksx@nqfoZfu;kstu ds ekeys(
¼?k½ mi;Zäq fLFkfr;ksa esa ls fdlh ds dkj.k y?kq —"kd —f"k O;kikj la?k }kjk ekaxs tkus ij]
xiii. y?kq —"kd —f"k O;kikj la?k dks 'ks;j iwath vuqnku ykSVkus esa fdlku & mRiknd daiuh ds foQy jgus ij ;kstuk ds
çkoèkkuksa ds vanj y?kq Ñ"kd Ñf"k O;kikj la?k fdlku & mRiknd daiuh ij dkuwuh dkjZokbZ djsxkA

fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
26

xiv. The “Recipient” hereby declares that the contents of this Agreement have been read and understood by
its shareholders and it shall abide by the terms & conditions of the Agreement.

xv. This Agreement between SFAC and the “Recipient” is governed and construed according to the laws
of India. Controversies and claims arising out of relating to this Agreement, or the breach thereof,
shall be settled through Arbitration at New Delhi. However, before taking any legal action, the parties
hereby agree to mobilise all efforts and to enter into discussions in order to find a mutually acceptable
settlement by direct negotiation.

This Agreement shall come into force with its signatures and shall remain in force until all conditions under
this Agreement are fulfilled.

In witness of above, both Parties have executed this Agreement on this __________ (day) of _______
(year) at _____________ (location)

For and on behalf of Small Farmers' Agri-Business For and on behalf of the “Recipient”
Consortium (SFAC)

Signature: Signature:

Seal: Seal:

Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
 26

xiv. ftu ekeyksa ds fy, ;gka fof'k"V :i ls çko/kku ugÈ fd;k x;k gS] ^çkIrdrkZ* ,rr}kjk le; & le; ij la'kksf/kr fu;eksa
esa fufgr lh 'krks± ,oa fu;eksa dk bl <ax ls ikyu djus ds fy, lger gS ekuksa fd ;s fu;e djkj esa igys ls gh fufgr
gSa rFkk blds vax gSaA
xv çkIrdrkZ ,rr}kjk ?kks"k.kk djrk gS fd blds 'ks;j /kkjdksa us bl djkj dh varoZLrqvksa dks i<+ ,oa le> fy;k gS rFkk
;g bl djkj dh 'krks± ,oa fu;eksa dk ikyu djsxkA y?kq —"kd —f"k O;kikj la?k ,oa çkIrdrkZ ds chp ;g djkj kjr ds
dkuwuksa ds vuqlkj vf'kkflr ,oa vFkZ yxk;k gSA bl djkj ls mRié nkoksa ,oa fooknksa ;k blds fdlh mYya?ku dks fnYyh
esa iap QSlyk ds ek/;e ls lqy>k;k tk,xkA rFkkfi] dksbZ dkuwuh dkjZokbZ djus ls iwoZ i{kdkj ,rr}kjk lh ç;klksa
dk mi;ksx djus rFkk vkil esa ckrphr djus ds fy, lgefr O;ä djrs gSa rkfd lh/kh okrkZ ds ek/;e ls dksbZ ijLij
Lohdk;Z lek/kku fudkyk

;g djkj bl ij gLrk{kj gksus dh rkjh[k ls çkoh gksxk rFkk rc rd çkoh jgsxk tc rd fd bl djkj dh lh 'krs± iwjh
gksrh jgsaxhA

mi;Zqä ds lk{; esa nksuksa i{kdkjksa us vkt fnukad --------------------------------- dks ---------------------------------- ¼LFkku½ ij ;g djkj fu"ikfnr
fd;k gSA

Ñrs ,oa y?kq Ñ"kd Ñf"k O;kikj la?k Ñrs ,oa çkIrdÙkkZ dh vksj ls
¼,l ,Q , lh½ dh vksj ls

gLrk{kj% gLrk{kj%

eqgj% eqgj%

fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
27

Annexure 3: Application Form for Seeking Credit Guarantee Cover

under CGF

Small Farmers’ Agribusiness Consortium (SFAC)

Dept. of Agriculture and Cooperation
Govt. of India
NCUI Auditorium, 5th Floor,August Kranti Marg,
Hauz Khas, New Delhi 110016,
Phone: 91-11-2686 2365, Fax: 91-11-2686 2367
(Each page of the application form should be signed by Branch Head and Zonal Manager
Name and Address of the applicant Bank Branch :
1 a) Complete Postal Address (*with pin-code) :
1 b) Phone No. with STD :
1 c) Fax No.:
1 d) E-Mail Address:
1 e) Details of the authorised person Designation Mobile No. E-Mail Address.
of the Bank submitting the
Claim:

2 Name of Borrower FPC :

2 a) Constitution: Producer Company
2 b) Registered Office Address (*with pin-code):
(i). Phone No. (ii). Fax No. (iii). E-mail Address

2 c) Business Office Address (if any)

(i). Phone No. (ii). Fax No. (iii). E-mail Address

2 d) Name of CEO :
Mobile No.
2 e) Credit Facility for which guarantee cover sought :
Old New Expansion Technical
Upgradation

2 f) Give details of components:-

Inputs: Processing:
Marketing: Total Investment:
3 Banking Facilities Sanctioned by sanctioning authority (Rs. in Lakhs):-
(i). Term-Loan : Date of Sanction: Amount IRAC Status:
Outstanding:

Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
 27

vuqcèa k 3% _.k xkjaVh fufèk ds varxZr _.k xkjaVh dh jde çkIr djus ds fy, vkosnu i=

y?kq —"kd —f"k O;kikj la?k ¼,l ,Q , lh½

—f"k ,oa lgdkfjrk fokx
kjr ljdkj
,u lh ;w vkbZ vkfMVksfj;e] ikapoka ry] vxLr Økafr ekxZ
gkSt [kkl] ubZ fnYyh & 110 016
Qksu uacj% 91&11&2686 2365] QSDl% 91 & 11&2686 2367
¼vkosnu ds çR;sd i`"B ij 'kk[kk çeq[k ,oa vapy çca/kd }kjk gLrk{kj fd;k tkuk pkfg,½
vkosnu djus okyh cSad 'kk[kk dk uke ,oa irk%
1 d) i=kpkj dk iwjk irk ¼fiu dksM ds lkFk
1 [k) Qksu uacj ¼,l Vh Mh uacj ds lkFk½%
1 x) QSDl uacj%
1 ?k) bZ&esy irk%
1 M-) nkok çLrqr djus ds fy, cSad ds inuke eksckby uacj bZ&esy irk
vfèkÑr O;fDr dk C;kSjk%

2 _.kxzkgh fdlku & mRiknd daiuh dk uke%

2d) la?kVu% mRiknd daiuh
2 [k) iathÑr dk;kZy; dk irk ¼fiu dksM ds lkFk½
(i). Qksu uacj (ii). QSDl uacj (iii). bZ&esy irk

2 x) dkjksckj ds dk;kZy; dk irk ¼;fn dksbZ gks%

(i). Qksu uacj (ii). QSDl uacj (iii). bZ&esy irk

2 ?k) eq[; dk;Zikyd vfèkdkjh dk uke%

eksckby uacj%
2 M-) _.k lqfoèkk ftlds fy, xkjaVh dh jde dh ekax dh xbZ gS%
iqjkuk u;k foLrkj rduhdh mUu;u

2 p) ?kVdksa dk C;kSjk çnku djsa%

mRiknd lkexzh foi.ku%
çlaLdj.k dqy fuos'k%
3 LohÑr djus okys çkfèkdkjh }kjk LohÑr cSaddkjh lqfoèkk,a ¼:i, esa½%
(i). lkofèk _.k% LohÑr djus dh cdk;k jkf'k% vkbZ vkj , lh
LVsVl%

fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
28

(ii).Cash Credit : Date of Sanction: Amount IRAC Status:

Outstanding:
3 a) Sanctioning Office: Branch: ZO / RO: HO:
3 b) Designation of Sanctioning Authority :
3 c) Sanctioning authority approval vide :
3 d) Sanction / Appraisal Note No. Dated:
3 e) Agenda No. / Minutes conveying sanction :
4 Name and Address of Controlling Office of the Branch (*with pin-code):
4.a). Name of Controlling Authority :
4.b). Mobile No.:
4.c). Fax. No. :
4.d). E-Mail Address. :
5 Present status of FPC Activity : (Give component wise details)
5. a)
5. b).
5. c).
5. d).
5. e).
5. f )
6 Status of Accounts
6. a). Term-Loan:
Amount of Disbursement till date : Outstanding as on date :
i). First instalment due on (date) :
ii). Last Instalment due on (date) :
6. b). Cash Credit :
Limit: Drawing Power: Outstanding:
Comments on Irregularity ( if any):
Any adverse comments on the unit by inspecting official in last inspection report:

7 A. Cost of Project ( as accepted by B. Means of Finance (as accepted by

sanctioning authority) (In Rs. Lakhs) Sanctioning Authority) (In Rs. Lakhs)
Give component wise details a. Term loan of Bank :
b. Promoter Equity :
c. Unsecured loan :
d. Others if any
Total Total
8 A. Forward Linkages : B. Backward Linkages with Small / Marginal farmers :
1 No. of members:

Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
 28

(ii). udn _.k LohÑr djus dh cdk;k jkf'k% vkbZ vkj , lh

rkjh[k% LVsVl%
3 d) LohÑr djus okyk dk;kZy;% 'kk[kk% vkapfyd dk;kZy;@ eq[;ky;%
{ks=h; dk;kZy;
3 [k) LohÑr djus okys çkfèkdkjh dk inuke%
3 x) LohÑr djus okys çkfèkdkjh ds vuqeksnu dk ekè;e%
3 ?k) LohÑr@ewY;kadu fVIi.kh la[;k% rkjh[k%
3 M-) LohÑr dh lwpuk nsus okyh dk;Z lwph la[;k@dk;Zo`r%
4 'kk[kk ds fu;a=d vfèkdkjh dk uke ,oa irk ¼fi dksM ds lkFk½%
4.d) fu;a=d çkfèkdkjh dk uke%
4.[k) eksckby uacj%
4.x) QSDl uacj%
4.?k) bZ&esy irk%
5 fdlku & mRiknd daiuh dh xfrfofèk dk orZeku Lrj ¼Ñi;k ?kVdokj C;kSjk çLrqr djsa½%
5.d)
5. [k)
5. x)
5. ?k)
5. M-)
5. p)
6 [kkrksa dh fLFkfr
6.d) lkofèk _.k%
vkt dh frfFk rd forfjr dh xbZ jkf'k% vkt dh frfFk rd cdk;k jkf'k%
i). igyh fdLr ds ns; gksus dh rkjh[k%
ii). vkf[kjh fdLr ds ns; gksus dh rkjh[k%
6. [k) udn _.k%
lhek% vkgfjr djus dh 'kfDr% cdk;k jkf'k%
vfu;ferrk ij fVIif.k;ka ¼;fn dksbZ gks½%
fiNyh fujh{k.k fjiksVZ esa fujh{k.k vfèkdkjh }kjk ;wfuV ij dksbZ çfrdwy fVIi.kh%
7 ¼d½ ifj;kstuk dh ykxr ¼LohÑr djus okys ¼[k½ foÙk iks"k.k ds lkèku ¼LohÑr djus okys
çkfèkdkjh }kjk ;Fkk LohÑfr½ ¼yk[k :i, eaas½ çkfèkdkjh }kjk ;Fkk LohÑfr½ ¼yk[k :i, es½a
Ñi;k ?kVdokj C;kSjk çLrqr djsa% ¼d½ cSad dk lkofèk _.k%
¼[k½ çorZd dh 'ks;j iwath%
¼x½ vlqjf{kr _.k%
¼?k½ vU;] ;fn dksbZ gks%
dqy dqy
8 ¼d½ vkxs dh lgc)rk% ¼[k½ NksVs@lhekar fdlkuksa ds lkFk ihNs dh lgc)rk%
1 lnL;ksa dh la[;k%

fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
29

2 Details of Primary and Collateral Securities taken by

the bank (if any)
3 a. Primary b. Collateral Securities
Securities
4
5
6
(Please enclose details separately)
9 Name of the Consortium (if any) associated with Credit Facility with complete address, contact
details and email :
9 a) Address (*with pin-code) :
9 b) Contact Details :
9 c) Email Address :
Request of Branch Head for Credit Guarantee:-
In view of the above information, we request Credit Guarantee Cover against Credit Facility of Rs.....................
(in Rupees......................................) to FPC (copy of sanction letter along with appraisal / process note of
competent authority is enclosed for your perusal and record ).
Further we confirm that :
1. The KYC norms in respect of the Promoters have been complied by us.
2. Techno-feasibility and economic viability aspect of the project has been taken care of by the
sanctioning authority and the branch.
3. On quarterly basis, bank will apprise the SFAC about progress of unit, recovery of bank’s dues and
present status of account to SFAC.
4. We undertake to abide by the Terms & Conditions of the Scheme.
Date……………………………… ………………………………
………………………………
Signature of Branch Manager with branch seal
Name………………………………………
Designation ……………………………………
………………………………
………………………………

Signature of Authorized Person in zonal office

Name………………………………………
Designation ……………………………………

List of Enclosures
1. Recommendation with 5. Promoter’s request letter addressed 9. List of shareholders confirmed
amount of CGC sought to the Bank Manager on original letter by promoter and bank
on Bank’s Original head of FPC
letterhead with date and
dispatch number duly
signed by the Branch
Manager on each page.

Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
 29

2 cSad }kjk yh xbZ çkFkfed ,oa tekur çfrHkwfr;ksa dk C;kSjk

¼;fn dksbZ gks½%
3 ¼d½ çkFkfed çfrHkwfr;ka ¼[k½ tekur çfrHkwfr;ksa%
4
5
6
¼Ñi;k vyx ls C;kSjk layXu djsa½
9 _.k lqfoèkk ls lac) la?k dk uke ¼;fn dksbZ gks½ rFkk iwjk irk] laidZ C;kSjk ,oa bZ&esy%
9 a) irk ¼fiu dksM ds lkFk½%
9 b) laidZ dk C;kSjk%
9 c) bZ&esy irk%
_.k xkjaVh ds fy, 'kk[kk çeq[k dk vuqjksèk%
mi;qDr lwpuk dks è;ku esa j[krs gq,] ge fdlku & mRiknd daiuh dks --------------------------------- :i, ¼-----------------------:i,½ dh
_.k lqfoèkk ds fo:) _.k xkjaVh dh jde ds fy, vuqjksèk djrs gSa ¼vkids voyksdu ,oa vfHkys[k ds fy, LohÑfr i=
dh çfrfyfi rFkk l{ke çkfèkdkjh dh ewY;kadu@çlaLdj.k fVIi.kh lyaXu gS½A
ge bl ckr dh Hkh iqf"V djrs gSa fd%
1- geus çorZdksa ds lacaèk esa dsokbZlh ekunaM dk ikyu fd;k gSA
2- LohÑr djus okys çkfèkdkjh rFkk 'kk[kk }kjk rduhdh laHkkO;rk ,oa vkfFkZd O;ogk;Zrk ls@lacafèkr ifj;kstuk ds
igyqvksa dks è;ku esa j[kk x;k gSA
3- cSad frekgh vkèkkj ij y?kq Ñ"kd Ñf"k O;kikj la?k dks ;wfuV dh çxfr] cSad ds cdk;ksa dh olwyh rFkk [kkrs dh
orZeku fLFkfr ds ckjs esa lwfpr djsxkA
4- ge ;kstuk dh 'krks± ,oa fu;e dk ikyu djus dk opu nsrs gSaA
rkjh[k……………………………… ………………………………
………………………………
'kk[kk çcaèkd dk gLrk{kj ,oa eqgj
uke………………………………………
inuke ……………………………………
………………………………
………………………………
Signature of Authorized Person in zonal office
vkpafyd dk;kZy; esa vfèkÑr O;fDr dk gLrk{kj
uke………………………………………
inuke ……………………………………

vuqyXudksa dh lwph%
1- cSad ds ewy i= 'kh"kZij çsf"kr 5- fdlku & mRiknd daiuh ds ewy i= 'kh"kZij 9- 'ks;j èkkjdksa dh lwph ftldh
djus dh rkjh[k ,oa la[;k cSad çcaèkd dks lacksfèkr çorZd dk vuqjksèk çorZd ,oa cSad }kjk iqf"V dh xbZ
ds lkFk ekaxh xbZ lh th i= gS
lh jkf'k ds fy, flQkfj"k
ftlds çR;sd i`"B ij 'kk[kk
çcaèkd }kjk fofèkor :i ls
gLrk{kj fd;k x;k gSA

fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
30

2. Sanction letter of 6. Implementation Schedule confirmed 10. Affidavit of promoters that

sanctioning authority by the bank. they have not availed CGC
addressed to from any other institution for
recommending branch. sanctioned Credit Facility.
3. Bank’s approved 7. Up-to-date statement of account 11. Field inspection report of
Appraisal/Process note of Term loan and Cash Credit (if Bank official as on recent
bearing signature of Sanctioned). date.
sanctioning authority.
4. Potential Impact on 8. a).Equity Certificate, C.A/CS certifi- * Pin Code at Column No. 1.
small farmer producers cate/RCS certificate a), 2. b), 2. c), 4. a) and 9. a) is
1. Social Impact, b). FORM-2, FORM-5 and FORM-23 Mandatory
2. Environmental Impact filed with ROC for Company/RCS.
3. Risk Analysis

Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
 30

2- l
 aLrqr djus okyh 'kk[kk dks 6- d
 k;kZUo;u vuqlwph ftldh cSad }kjk iqf"V 10- ç orZdksa dh vksj ls bl vk"k;
lacksfèkr LohÑfr çkfèkdkjh dh xbZ gS dk gyQukek fd mUgksaus LohÑr
dk LohÑfr i=A _.k lqfoèkk ds fy, fdlh vU;
laLFkk ls lh th lh çkIr ugha
fd;k gS
3- c Sad }kjk vuqeksfnr 7- lkfofèk _.k ,oa udn _.k ds [kkrs dk 11- g ky dh rkjh[k dks cSad ds
ewY;kdau@çlaLdj.k fVIi.kh víru fooj.k ¼;fn LohÑr fd;k x;k gS½ vfèkdkjh }kjk fd, x, {ks= dh
ftl ij LohÑr djus okys fujh{k.k fjiksVZ
çkfèkdkjh ds gLrk{kj gSaA
4- NksVs fdlku mRikndksa ij 8- ¼d½ 'ks;j iwath çek.k i=] lh , @ lh ,l *dkWye la[;k 1d] 2[k] 2x] 4d ,oa
laHkkfor çHkko çek.k i= @ vkj lh ,l çek.k i= 9d esa fiu dksM dk mYys[k djuk
1- lkekftd çHkko ¼[k½ QkeZ 2] QkeZ 5 rFkk QkeZ 23 ftls vfuok;Z gS
2- i;kZoj.kh; çHkko daiuh@vkj lh bZ ,l ds fy, daiuh
3- tksf[ke fo'ys"k.k jftLVªkj ds ikl nkf[ky fd;k x;k gSA

fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
31
Annexure 4: Agreement to be executed by Lending
Institution/s with SFAC
This Agreement is executed on this __________
(day) of ______ (year)
Between ____________________ (Name of Bank),
(hereinafter called Bank), having it’s registered
office at ________________________________
________________________________________
_______________________________________
________________________________________
________________________________________
__(which includes its assignees) as first party, and
Small Farmers’ Agribusiness Consortium(SFAC),
a society registered under Societies Registration
Act 1860, having its registered office at NCUI
Auditorium Building, 5th Floor, 3, Siri Institutional
Area, August Kranti Marg, Hauz Khas, New Delhi
110016 ), hereinafter called “SFAC” as second
party.
Whereas SFAC is a Developmental Institution with
its core aims and objectives focused on supporting
small & marginal farmers ‘organizations; SFAC deals
with agriculture in its wider connotation, including
agri-allied activities;
And Whereas Bank in furtherance of its desire
to play an active role in promoting quality
investments in the agri business sector is agreeable
to provide/has provided collateral free lending
to--------(Name of FPC) and is desirous of seeking
Guarantee Cover from SFAC under EGCGFS.
In consideration of the Credit Guarantee Fund
of Small Farmers Agri Business Consortium
(hereinafter referred to as “SFAC” which expression
shall, unless repugnant to the context, also include
its successors and assigns), agreeing to guarantee
under the Equity (a copy whereof is hereto
annexed and which is hereinafter referred to as
“the Scheme”), certain credit facilities specified
below granted by Bank to --------------- (Name
of FPC) , which is an eligible borrower as per the
Scheme.
Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
DETAILS OF TERM/WORKING CAPITAL/COMPOSITE
CREDIT FACILITY to be given
Bank viz ________________________________, does
hereby enter into Agreement with SFAC as follows :
1. That the provisions of this Undertaking shall
be in addition to, and not in derogation of, the
provisions of the Scheme and the guidelines
and instructions issued by SFAC from time to
time.
2. That the provisions of the Scheme and such
modifications as may be made thereto from
time to time shall be deemed to be incorporated
in this Undertaking and shall be binding on
Bank, in so far they relate to the credit facilities
granted by Bank to ---------Borrower.
3. That the provisions of the Scheme and this
Agreement shall be applicable to the Credit
Facility/ies for which Guarantee Cover has
been sanctioned by SFAC to Bank under the
Scheme.
4. That Bank shall claim the benefit of the
Guarantee under the Scheme only in respect
of the Credit Facility/ies specified herein, and
to the extent provided, and that Bank shall
for this purpose obtain and preserve affidavits
or other documents from the -------(Borrower)
or otherwise satisfy itself by reference to the
Borrowers’ books of account or other records
that the Borrower in respect of whom the benefit
of the Guarantee has been or is to be provided
by SFAC is eligible for the Guarantee under the
Scheme.
5. That Bank agrees that if the Borrower ceases to
be so eligible, it shall, in accordance with and
subject to the provisions of the Scheme, be
excluded from the benefit of any guarantee and
that for this purpose, Bank shall obtain from the
Borrower at such intervals as may be required
by SFAC, such information /declarations as may
be deemed necessary.

vuqc/a k 4% y?kq —"kd —f"k O;kikj la?k ds lkFk _.knkrk laLFkk ¼laLFkkvks½a
}kjk fd;k tkus okyk djkj
;g djkj çFke i{kdkj ds :i esa ---------------------------------------
¼cSad dk uke½ ¼blds ckn ;gka vkxs ßcSadÞ dgk x;k gS½]
ftldk iath—r dk;kZy; ----------------------------------------- ----------------
------ ----------------------------- --------------------------------- esa gS ¼ftlesa blds
leuqnsf'krh 'kkfey gSa½ rFkk f}rh; i{kdkj ds :i esa y?kq
—"kd —f"k O;kikj la?k ¼,l ,Q , lh½] tks lkslk;Vh
iathdj.k vfèkfu;e 1860 ds varxZr iath—r lkslk;Vh gS
rFkk ftldk iath—r dk;kZy; ,u lh ;w vkbZ] vkWWfMVksfj;e
fcfYMax] ikapoka ry] 3] lhjh laLFkkfud {ks=] vxLr Økafr
ekxZ] gkSt [kkl] ubZ fnYyh & 110 016 esa gS ¼blds ckn
;gka vkxs Þy?kq —"kd —f"k O;kikj la?kß dgk x;k gS½ ds
chp vkt fnukad ----------------------------------------------- dks fu"ikfnr
fd;k tkrk gSA
tcfd y?kq —"kd —f"k O;kikj la?k ,d fodkl laLFkk gS rFkk
bldk eq[; y{; ,oa mís'; NksVs ,oa lhekar fdlkuksa rFkk
fdlku & mRiknd la?kksa dh lgk;rk djuk gS; y?kq —"kd
—f"k O;kikj la?k —f"k lac) xfrfof/k;ksa lesr O;kid vFkZ esa
—f"k ls lacaf/kr dke ns[krk gS;
vkSj tcfd cSad —f"k O;olk; {ks= esa dksfVijd fuos'k dks
c<+kok nsus esa lfØ; wfedk fukus dh viuh bPNk dks
vkxs c<+kus ds fy, ------------------------- ------------------------- ¼fdlku &
mRiknd daiuh dk uke½ dks tekur eqä _.k çnku djus
ds fy, lger gS @ çnku fd;k gS rFkk bZ th lh th ,Q
,l ;kstuk ds varxZr y?kq —"kd —f"k O;kikj la?k ls xkjaVh
dh jde çkIr djus dk bPNqd gSA
y?kq —"kd —f"k O;kikj la?k ¼blds ckn ;gka vkxs ß,Q
,l , lhÞ dgk x;k gS rFkk bl vfO;fä ds rgr blds
mŸkjkfèkdkjh ,oa leuqnsf"krh h 'kkfey gksaxs] tc rd fd
lanZ ds fo:) gks½ dh _.k xkjaVh fuf/k] 'ks;j iwath ds varxZr
xkjaVh çnku djus ds fy, lger gksrs gq, ¼bldh çfrfyfi
blds layXu gS rFkk blds ckn ;gka vkxs bls ß;kstukÞ
dgk x;k gS½] ------------------------------------¼fdlku & mRiknd daiuh
dk uke½] tks ;kstuk ds vuqlkj ik= _.kxzkgh gS] dks uhps
fofufnZ"V dfri; _.k lqfo/kk, tks cSad }kjk eatwj dh xbZ]
dks /;ku esa j[krs gq,A
fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
31
çnku fd, tkus okys lkof/k _.k @ dk;Z'khy iwath @
la;qä _.k lqfo/kk dk C;kSjk
cSad vFkkZr -----------------------------------------------------------------------------------------------
--------- ,rr}kjk y?kq —"kd —f"k O;kikj la?k ds lkFk fuEukuqlkj
djkj djrk gS%
1- ;g fd opui= ds çko/kku y?kq —"kd —f"k O;kikj la?k
}kjk le; & le; ij tkjh fn'kkfunZs'kksa ,oa vuqns'kksa
rFkk ;kstuk ds çko/kkuksa ds vykok gksaxs rFkk os buds
çfrdwy ugÈ gksaxsA
2- 
;g fd bl ;kstuk ds çko/kku rFkk ,sls la'kks/ku tks
le; & le; ij blesa fd, tk ldrs gSa] bl opui=
esa lekfo"V fd, x, le>s tk,axs rFkk cSad }kjk ------------
-------- --------------- _.kxzkgh dks çnku dh xbZ _.k lqfo/kkvksa
ds laca/k esa os cSad ds fy, ck/;dkjh gksaxsA
3- 
;g fd ;kstuk rFkk bl djkj ds çko/kku ,slh _.k
lqfoèkk @ lqfo/kkvksa ij ykxw gksaxs ftuds fy, ;kstuk ds
rgr cSad dks y?kq —"kd —f"k O;kikj la?k }kjk xkjaVh dh
jde Loh—r dh xbZ gSA
4- ;g fd cSad dsoy blesa fufnZ"V _.k lqfo/kk @ lqfoèkkvksa
ds laca/k esa rFkk çnku dh xbZ lhek rd ;kstuk ds rgr
xkjaVh ds yk ds fy, nkok djsxk vkSj ;g fd cSad bl
ç;kstu ds fy, ------------- -------------- ¼_.kxzkgh½ ls gyQukek
;k vU; nLrkost çkIr djsxk rFkk vius ikl j[ksxk ;k
vU;Fkk _.kxzkgh dh ys[kk cfg;ksa ;k vU; vfys[kksa ds
lanZ ls Lo;a dks larq"V djsxk fd ftl _.kxzkgh ds
laca/k esa y?kq —"kd —f"k O;kikj la?k }kjk xkjaVh dk yk
çnku fd;k x;k gS ;k çnku fd;k tkuk gS og ;kstuk
ds rgr xkjaVh ds fy, ik= gSA
5- ;g fd cSd a bl ckr ls lger gS fd ;fn _.kxzkgh dh
ik=rk lekIr gks tkrh gS] rks ;g ;kstuk ds çko/kkuksa ds
vuqlj.k esa rFkk çko/kkuksa ds v/khu fdlh xkjaVh ds yk
ls ckgj gks tk,xk vkSj ;g fd bl ç;kstu ds fy, cSd a
_.kxzkgh ls ,sls varjky ij ftldh y?kq —"kd —f"k
O;kikj la?k }kjk vis{kk dh tk ldrh gS] ,slh lwpuk,a @
?kks"k.kk,a çkIr djsxk ftUgsa vko';d le>k tk ldrk gSA
32
6. 
That the books of accounts, ledgers and
other documents relating to guaranteed
Credit Facilities, covered by the Scheme shall,
as far as may be practicable, be segregated
and maintained in a proper manner so as to
facilitate such scrutiny or inspection as may
be undertaken by Small Farmers’ Agri-business
Consortium (SFAC) or by any other person
nominated by SFAC in this behalf.
7. That Bank shall make available to the Officers of
SFAC or of any agency which may be specified by
SFAC in this behalf, as the case may be, all its books
and records and provide such other facilities as
may be required for such scrutiny and inspection.
8. That Bank shall furnish to SFAC a statement
in a form and manner required by the SFAC,
showing the outstanding balances with
breakup of principal and interest / other
expenses details in respect of the guaranteed
credit facility covered under the Scheme, as
and when required by SFAC.
9. That Bank shall furnish to SFAC thereafter such
statements or information as the SFAC may
require about the Credit Facility/ies in such
form and manner, and at such intervals, as may
be required by SFAC.
10. That in order to enable SFAC to ascertain whether
a Claim made on it is on account of Credit
Facility which has been so covered, Bank shall
preserve in good order the detailed statement or
statements required thereof as also the relevant
documents relating to the Credit Facility.
11. That Bank shall, in respect of the Credit Facility,
exercise due diligence in recovering the dues,
and safeguarding the interest of SFAC.
12. That for invoking the guarantee, Bank undertakes
to submit to SFAC an Application in such form as
may be specified by SFAC and furnish such other
information as may be required of us by SFAC .
13. That Bank shall secure for the SFAC or its
appointed agency the right to inspect the
business and factory premises and books of
account of the Borrower if and when considered
necessary by SFAC.
Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
14. That Bank shall secure for SFAC or its
appointed agency the right to list the
Defaulted Borrowers name and particulars on
the website of SFAC.
15. That notwithstanding anything to the contrary
contained in the Scheme, if any loss occurs in
respect of the Credit Facility due to actions /
decisions taken contrary to or in contravention
of the guidelines issued by SFAC, or if any
misrepresentation or concealment of facts is
found leading to undue favour to the concerned
FPC, Bank shall not make and shall not also be
entitled to any claim on SFAC in respect of the
said Credit Facility.
16. 
That all applications, documents, receipts,
statements and other papers shall be signed
on behalf of Bank by the Chief Executive
Officer or by other persons in its employment
authorised by Bank to sign all such
applications, documents, receipts, statements
and other papers and that any irregularity
in the signature, or want of authority of the
persons so signing shall not in any way affect
or prejudice the rights of SFAC or affect Bank
liability in respect thereof.
17. That all data, including applications, periodical
returns, funds transfer, updated or transferred
to the Trust in the electronic form, shall be
deemed to be signed on behalf of Bank by
the Chief Executive Officer or by other persons
in our employment who shall be deemed
to be authorised by Bank to sign all such
applications, documents, receipts, statements
and other papers and that any irregularity in the
use of member-id, or want of authority of the
persons so signing shall not in any way affect
or prejudice the rights of SFAC or affect Bank’s
liability in respect thereof.
18. That Bank shall introduce and follow such
Accounting arrangements as may be necessary
or as may be required by SFAC or take such
other steps as may be necessary or expedient
for protecting its interests in respect of the
outstanding balances on account of Credit
Facilities in regard to which SFAC’s guarantee is
invoked by it.

6- ; g fd tgka rd lao gks ldrk gS] ;kstuk ds rgr
'kkfey xkjaVh—r _.k lqfo/kkvksa ls lacaf/kr ys[kk
cfg;ksa] ystj rFkk vU; nLrkostksa dks vyx fd;k tk,xk
rFkk mudk leqfpr <ax ls j[kj[kko fd;k tk,xk rkfd
,slh laoh{kk ;k fujh{k.k esa lgk;rk çnku dh tk lds
tks y?kq —"kd —f"k O;kikj la?k }kjk vFkok bl laca/k
esa y?kq —"kd —f"k O;kikj la?k }kjk ukfer fdlh vU;
O;fä }kjk fd;k tk ldrk gSA
7- ;g fd cSad ;FkkfLFkfr y?kq —"kd —f"k O;kikj la?k ds
vf/kdkfj;ksa dks ;k bl laca/k esa y?kq —"kd —f"k O;kikj
la?k }kjk fofufnZ"V fdlh ,tsalh ds vf/kdkfj;ksa dks
lh cfg;ka ,oa vfys[k miyC/k djk,xk rFkk ,slh vU;
lqfo/kk,a çnku djsxk ftudh bl çdkj dh laoh{kk ,oa
fujh{k.k ds fy, t:jr iM+ ldrh gSA
8- ;g fd y?kq —"kd —f"k O;kikj la?k }kjk tc h t:jr
gksxh] cSda y?kq —"kd —f"k O;kikj la?k }kjk visf{kr <ax ls
,oa çk:i esa y?kq —"kd —f"k O;kikj la?k dks ,d fooj.k
çLrqr djsxk ftlesa ;kstuk ds rgr 'kkfey xkjaVh—r
_.k lqfo/kk ds lac/a k esa ewy/ku rFkk C;kt@vU; O;; ds
C;kSjksa ds lkFk cdk;k 'ks"k jkf'k çnf'kZr dh tk,xhA
9- ;g fd cSd a blds iÜpkr y?kq —"kd —f"k O;kikj la?k
dks ,sls <ax ls ,oa çk:i esa rFkk ,sls varjky ij] tks y?kq
—"kd —f"k O;kikj la?k }kjk fu/kkZfjr gks ldrk gS] _.k
lqfo/kk@lqfo/kkvksa ds ckjs esa ,sls fooj.k ;k lwpuk,a çLrqr
djsxk] ftldh y?kq —"kd —f"k O;kikj la?k dks t:jr gks
ldrh gSA
10- ;g fd bl ckr dk lqfuÜp; djus esa y?kq —"kd —f"k
O;kikj la?k dks leFkZ cukus ds fy, fd ml ij tks nkok
fd;k x;k gS og ,slh _.k lqfo/kk ds fy, gS ftls bl
çdkj 'kkfey fd;k x;k gS] cSad bl laca/k esa visf{kr
fooj.k ;k fooj.kksa rFkk _.k lqfo/kk ls lacaf/kr laxr
nLrkostksa dk C;kSjk vPNh fLFkfr esa j[ksxkA
11- ;g fd cSad _.k lqfo/kk ds laca/k esa y?kq —"kd —f"k
O;kikj la?k ds fgr dh j{kk djus vkSj cdk;k jkf'k dh
olwyh djus esa leqfpr lko/kkuh dk ç;ksx djsxkA
12- ;g fd xkjaVh dk ykxw djus ds fy, cSad y?kq —"kd
—f"k O;kikj la?k }kjk fofufnZ"V çk:i esa ,d vkosnu
y?kq —"kd —f"k O;kikj la?k ds ikl tek djus vkSj ,slh
lwpuk,a çLrqr djus dk opu nsrk gS] ftldh y?kq —"kd
—f"k O;kikj la?k }kjk gels vis{kk gks ldrh gSA
13- ;g fd y?kq —"kd —f"k O;kikj la?k ;k blds }kjk fu;qä
,tsalh ds fy, cSad _.kxzkgh ds dkjksckj ,oa dkj[kkuk
ifjljksa rFkk [kkrk cfg;ksa dk fujh{k.k djus dk vf/kdkj
çkIr djsxk] ;fn y?kq —"kd —f"k O;kikj la?k }kjk ,slk
vko';d le>k tkrk gSA
fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
32
14- ;g fd y?kq —"kd —f"k O;kikj la?k ;k blds }kjk fu;qä
,tsalh ds fy, cSad y?kq —"kd —f"k O;kikj la?k dh
osclkbV ij pwddrkZ _.kxzkfg;ksa ds uke dh lwph rFkk
C;kSjk Mkyus dk vf/kdkj çkIr djsxkA
15- ;g fd bl ;kstuk esa dksbZ çfrdwy ckr gksus ds ckotwn]
;fn y?kq —"kd —f"k O;kikj la?k }kjk tkjh fn'kkfunZ's kksa
ds foijhr ;k buds mYya?ku esa fy, x, fu.kZ;ksa @ dh
xbZ dkjZokb;ksa ds dkj.k _.k lqfo/kk ds lac/a k esa dksbZ
uqdlku gksrk gS ;k ;fn ,slk ik;k tkrk gS fd lacfa èkr
fdlku & mRiknd daiuh dks vuqfpr vuqxzg çnku
djus ds fy, dksbZ nqfoZfu;kstu fd;k x;k gS ;k rF;ksa
dks fNik;k x;k gS] rks mä _.k lqfo/kk ds lac/a k esa cSd
a
y?kq —"kd —f"k O;kikj la?k ij dksbZ nkok ugÈ djsxk vkSj
nkok djus dk ik= h ugÈ gksxkA
16- ;g fd eq[; dk;Zikyd vf/kdkjh }kjk ;k ,sls lh vkosnuks]a
nLrkostks]a jlhnks]a fooj.kksa rFkk vU; dkxtkrksa ij gLrk{kj
djus ds fy, vius fu;kstu esa cSd a }kjk vf/k—r fdlh vU;
O;fä }kjk cSd a dh vksj ls lh vkosnuks]a nLrkostks]a jlhnks]a
fooj.kksa ,oa vU; dkxtkrksa ij gLrk{kj fd, tk,axs vkSj ;g
fd gLrk{kj esa fdlh vfu;ferrk ls ;k bl çdkj gLrk{kj
djus okys O;fä ds ikl çkf/kdkj u gksus ls bl lac/a k esa
cSd
a dh ns;rk fdlh h :i esa çkfor ugÈ gksxh ;k y?kq
—"kd —f"k O;kikj la?k ds vf/kdkj fdlh :i esa çkfor
ugÈ gksx
a s ;k mu ij çfrdwy çko ugÈ iM+x s kA
17- ;g fd lh MsVk] ftlesa vkosnu] vkof/kd foojf.k;ka]
fuf/k;ksa dk varj.k] v|ruh—r ;k bysDVªkfud :i esa
U;kl dks varfjr fuf/k varj.k 'kkfey gSa] cSad dh vksj
ls eq[; dk;Zikyd vf/kdkjh }kjk ;k gekjs fu;kstu
esa vU; O;fä;ksa }kjk gLrk{kfjr le>s tk,axs] ftUgsa
,sls lh vkosnuksa] nLrkostksa] jlhnksa] fooj.kksa rFkk vU;
dkxtkrksa ij gLrk{kj djus ds fy, cSad }kjk vf/k—r
ekuk tk,xk vkSj ;g fd lnL;rk igpku i= ds ç;ksx
esa fdlh vfu;ferrk ls ;k bl çdkj ls gLrk{kj djus
okys O;fä;ksa ds ikl çkf/kdkj u gksus ls y?kq —"kd —f"k
O;kikj la?k ds vf/kdkj fdlh h :i esa çkfor ugÈ
gksaxs ;k mu ij çfrdwy çko ugÈ iM+sxk vFkok bl
laca/k esa cSad dh ns;rk çkfor ugÈ gksxhA
18- ;g fd cSad ys[kkdj.k dh ,slh O;oLFkk,a 'kq: djsxk
;k vuqlj.k djsxk tks vko';d gks ldrh gSa ;k y?kq
—"kd —f"k O;kikj la?k }kjk visf{kr gks ldrh gSa vFkok
,sls vU; vko';d dne mBk,xk tks ,slh _.k lqfo/kk
ds dkj.k cdk;k jkf'k ds laca/k esa blds fgrksa dh j{kk
ds fy, vko';d gks ldrs gSa ;k mfpr gks ldrs gSa
ftuds laca/k esa mlds }kjk y?kq —"kd —f"k O;kikj la?k
dh xkjaVh dk ykxw fd;k x;k gSA
33
19. Guarantee Fee
i. Bank shall pay the Fee payable to SFAC for
Guarantee Cover of Rs.---------/- (In words) in
respect of the Credit Facility granted to-------------
-- (Name of FPC Borrower) under the Scheme as a
onetime Guarantee Fee calculated @ 0.85% of the
sanctioned Credit Facility, subject to a maximum
of Rs. 85,000/- (Rs. Eighty Five Thousand only.)
ii. The Fee shall be paid upfront to SFAC by Bank.
The payment shall be made within 30 days
from date of approval of the Guarantee or such
date as specified by SFAC, failing which the
Guarantee is liable to become void unless and
until its continuance is specifically approved
by SFAC.
iii. As on the date of payment of Guarantee Fee,
Bank shall certify that :
a). Any dues of the FPC Borrower to the lending
institution have not become overdue and/or
is not an overdue/NPA credit facility taken
over and/or /is not a Credit Facility which
has been rescheduled or restructured on
becoming overdue
b). The business or activity of the borrower for
which the credit facility was granted has not
ceased.
c). The credit facility has not been utilized, wholly
or partly, for adjustment of any debts deemed
bad or doubtful of recovery.
20. Annual Service Fee
i. In addition to onetime Guarantee Fee, an Annual
Service Fee of Rs.----------------- per annum or
such other rate or limit as may be decided from
time to time per loan account shall be paid by
Bank to keep the Guarantee of SFAC live.
ii. The decision of passing on the incidence of
Guarantee Fee and Annual Service Fee to the
Borrower is left to the discretion of Bank.
iii. The Annual Service Fee should be paid by the
31stof May each year. The fee for the last year of
the tenure of the Guarantee Cover shall be paid
on pro rata basis for the period till the date of
expiry of guarantee.
iv. In the event of non-payment of Annual Service
Fee by the due date, the Guarantee under the
Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
Scheme shall not be available to Bank unless
SFAC agrees for continuance of Guarantee and
Bank pays penal interest on the Annual Service
Fee due at a rate of ------% per annum, which is
1% above the rate charged by the Bank on the
Credit Facility, or at such rate as is specified by
SFAC from time to time, for the period of delay.
The Guarantee shall stand restored on receipt
of such payment and shall be deemed to have
been in continuance without break.
v. Provided further that in the event of non-
payment of Annual Service Fee within the
stipulated time or such extended time as may
be requested by Bank and allowed on such
terms that may be agreed to by SFAC, liability of
SFAC to guarantee such credit facility shall lapse
in respect of credit facility against which the
Annual Service Fee is due and not paid,
vi. Provided further that, SFAC may consider
renewal of Guarantee Cover for such credit
facility, the Cover for which has ceased, upon
such terms and conditions as SFAC may
decide.
vii. In the event of any error or discrepancy being
found in the computation of the amounts or in
the calculation of the Guarantee Fee / Annual
Service Fee, or any shortfall in payment by Bank,
if subsequently identified, such deficiency/
shortfall shall be paid by Bank to SFAC.
viii. Any amount found to have been paid in excess
by the Bank to SFAC shall be refunded by
SFAC. In the event of any representation made
by the lending institution in this regard, SFAC
shall take a decision based on the available
information with it and the clarifications
received from the lending institution, and
its decision shall be final and binding on the
lending institution.
ix. The Guarantee Fee and / or Annual Service Fee
once paid by the lending institution to SFAC are
non-refundable.
21. Responsibilities of Bank
Bank shall: i. Certify that the Credit Facility has been
sanctioned without any Collateral.

19- xkjaVh 'kqYd
i. cSad vf/kdre 85]000 :i, ¼fipklh gtkj :i, ek=½
ds v/khu Loh—r _.k lqfo/kk ds 0-85 çfr'kr dh nj
ls ifjxf.kr ,d ckjxh xkjaVh 'kqYd ds :i esa ;kstuk
ds rgr -----------------------------------------¼_.kxzkgh fdlku &
mRiknd daiuh dk uke½ dks eatwj dh xbZ _.k lqfoèkk
ds laca/k esa ---------------------------- :i, ---------------------------------------
¼'kCnksa esa½ dh xkjaVh—r jde ds fy, y?kq —"kd —f"k
O;kikj la?k dks ns; 'kqYd dk qxrku djsxkA
ii. cSad }kjk y?kq —"kd —f"k O;kikj la?k dks 'kqYd dk lhèks
qxrku fd;k tk,xkA qxrku xkjaVh ds vuqeksnu dh
rkjh[k ls 30 fnu ds vanj ;k y?kq —"kd —f"k O;kikj
la?k }kjk fufnZ"V frfFk rd fd;k tk,xk rFkk ,slk u
gksus ij xkjaVh dh jde fujLr gks ldrh gS] tc rd fd
y?kq —"kd —f"k O;kikj la?k }kjk fof'k"V :i ls bldh
lrrrk dks vuqeksfnr ugÈ fd;k tkrk gSA
iii. xkjaVh 'kqYd ds qxrku dh rkjh[k dks cSad çekf.kr
djsxk fd%
¼d½ _.kxzkgh fdlku & mRiknd daiuh ij _.knkrk
laLFkk dh cdk;k dksbZ jkf'kvfrns; ugÈ gqbZ gS
vkSj@;k fdlh vfrns; @ ,u ih , _.k lqfo/kk
dk vf/kxzg.k ugÈ fd;k x;k gS vkSj@;k ;g ,slh
_.k lqfo/kk ugÈ gS ftls vfrns; gks tkus ij iqu%
vuqlfw pr ;k iquxZfBr fd;k x;k gSA
¼[k½ _.kxzkgh ds ftl dkjksckj ;k xfrfof/k ds fy, _.k
lqfo/kk eatjw dh xbZ Fkh og can ugÈ gqbZ gSA
¼x½ ,sls fdlh _.k ds lek;kstu ds fy,] ftls olwyh ds
fy, v'kks/; ;k lafnX/k ekuk x;k gS] _.k lqfoèkk dk
iw.kZr% ;k vkaf'kd :i ls ç;ksx ugÈ fd;k x;k gSA
20 okf"kZd lsok 'kqYd
i. ,d ckjxh xkjaVh 'kqYd ds vykok cSd a }kjk --------------:i,
çfro"kZ ;k çR;sd _.k [kkrs ds fy, le; & le; ij r;
dh tkus okyh fdlh vU; nj ;k lhek ds vuqlkj okf"kZd
lsok 'kqYd dk qxrku fd;k tk,xk rkfd y?kq —"kd —f"k
O;kikj la?k dh xkjaVh dks tkjh j[kk tk ldsA
ii.  _.kxzkgh ij xkjaVh 'kqYd rFkk okf"kZd lsok 'kqYd
gLrkarfjr djus dh ?kVuk ij fu.kZ; ysus dh ftEesnkjh
cSad ds foosd ij NksM+ nh xbZ gSA
iii. okf"kZd lsok 'kqYd dk qxrku gj lky 31 ebZ rd fd;k
tkuk pkfg,A xkjaVh dh jde dh vof/k ds vkf[kjh o"kZ ds
fy, 'kqYd dk qxrku xkjaVh ds lekIr gksus dh rkjh[k
rd dh vof/k ds fy, ;Fkk vuqikr ij fd;k tk,xkA
iv. fu;r frfFk rd okf"kZd lsok 'kqYd dk qxrku u fd,
tkus dh fLFkfr esa bl ;kstuk ds rgr xkjaVh cSad dks
fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
33
miyC/k ugÈ gksxh] tc rd fd y?kq —"kd —f"k O;kikj
la?k xkjaVh dh lrrrk ds fy, lger ugÈ gksrk gS rFkk
cSad foyac dh vof/k ds fy, çfro"kZ ------------------- çfr'kr
dh nj ls ;k y?kq —"kd —f"k O;kikj la?k }kjk le; &
le; ij fu/kkZfjr nj ls cdk;k okf"kZd lsok 'kqYd ij
nkafMd C;kt dk qxrku ugÈ djrk gS] tks _.k lqfo/kk
ij cSad }kjk çkfjr nj ls 1 çfr'kr vf/kd gksxkA bl
rjg dk qxrku çkIr gksus ij xkjaVh cgky gks tk,xh
rFkk jksd ds fcuk bls lrr :i ls tkjh le>k tk,xkA
v. ;g h fd fu/kkZfjr le; ds vanj ;k cSad ds vuqjks/k ij
rFkk ,slh 'krks± iZj ftu ij y?kq —"kd —f"k O;kikj la?k
}kjk lgefr O;ä dh tk ldrh gS] c<+kbZ xbZ vof/k ds
vanj okf"kZd lsok 'kqYd dk qxrku u gksus dh fLFkfr
esa ,slh _.k lqfo/kk dks xkjaVh djus laca/kh y?kq —"kd
—f"k O;kikj la?k dh ns;rk ml _.k lqfo/kk ds laca/k
esa lekIr gks tk,xh ftlds fo:) okf"kZd lsok 'kqYd
cdk;k gS rFk qxrku ugÈ fd;k x;k gSA
vi. ;g h fd ,slh 'krks± ,Zoa fu;eksa , ftu ij y?kq —"kd
—f"k O;kikj la?k }kjk fu.kZ; fy;k tk ldrk gS] ij y?kq
—"kd —f"k O;kikj la?k ,slh _.k lqfo/kk ds fy, xkjaVh
dh jde ds uohdj.k ij fopkj dj ldrk gS] ftlds
fy, xkjaVh lekIr gks xbZ gSA
vii. /kujkf'k dh x.kuk esa ;k xkjaVh 'kqYd @ okf"kZd lsok
'kqYd dh x.kuk esa fdlh =qfV ;k folaxfr ds ik, tkus
ij ;k cSad }kjk qxrku esa fdlh deh dh fo"; esa
igpku gksus ij] cSad }kjk y?kq —"kd —f"k O;kikj la?k
dks ,slh folaxfr @ deh dk qxrku fd;k tk,xkA
viii. ;fn ,slk ik;k tkrk gS fd cSad }kjk y?kq —"kd —f"k
O;kikj la?k dks dksbZ vfrfjä qxrku fd;k x;k gS] rks
mls y?kq —"kd —f"k O;kikj la?k }kjk ykSVk;k tk,xkA
bl laca/k esa _.knkrk laLFkk }kjk dksbZ vH;kosnu fn,
tkus dh fLFkfr esa y?kq —"kd —f"k O;kikj la?k vius
ikl miyC/k lwpukvksa rFkk _.knkrk laLFkk ls çkIr
Li"Vhdj.kksa ds vk/kkj ij fu.kZ; ysxk vkSj mldk fu.kZ;
vafre ,oa _.knkrk laLFkk ds fy, ck/;dkjh gksxkA
ix. 
_.knkrk laLFkk }kjk y?kq —"kd —f"k O;kikj la?k dks
qxrku fd;k x;k xkjaVh 'kqYd vkSj@;k okf"kZd lsok
'kqYd vçfrns; gSA
21 cSad dh ftEesnkfj;ka
cSad fuEufyf[kr dk;Z djsxk%
i. çekf.kr djuk fd _.k lqfo/kk fdlh tekur ds fcuk
Loh—r dh xbZ gSA
ii.  xkjaVh dh jde ds fy, vkosnu ds lkFk ewY;kadu
fVIi.kh layXu djukA
34
ii. Enclose Appraisal Note with the Application for
Guarantee Cover.
iii. Carry out processing, legal work and
documentation for sanction of the loan in
accordance with the requirements of the Bank
and the terms & conditions of SFAC.
iv. Furnish such Statements and Information,
documents, receipts, certificates as SFAC may
require in connection with credit facility.
v. Certify that /be deemed to have affirmed that the
contents of such documents, receipts, certificates
and other written Documents are true, provided
that no claim shall be rejected and no liability
shall attach to the lending institution or any
officer thereof for anything done in good faith.
vi. Monitor the borrower account and maintain
records of periodical monitoring and actions
initiated on observations, if any.
i. Safeguard the Primary Securities taken over by it,
if any, from the Borrower.
ii. Bank shall be bound to comply with such directions
as SFAC may deem fit to issue from time to time, for
facilitating recoveries of the guaranteed account,
or safeguarding its interest as a guarantor.
Bank shall, in particular, refrain from any act
iii. 
either before or subsequent to invocation of
guarantee, which may adversely affect the
interest of SFAC as the guarantor.
iv. Bank shall intimate in advance to SFAC its
intention to enter into any compromise or
arrangement, which may have effect of discharge
or waiver of primary security.
v.  Bank shall also ensure through an Agreement with
the Borrower that the borrower shall not create
any charge on the assets held as primary security
for the credit facilities covered by the Guarantee
with itself, or in favour of any other creditor(s)
without seeking prior permission of SFAC.
22. Invocation of Guarantee
Bank shall invoke the Guarantee in respect of Credit
Facility within a maximum period of one year from
date of NPA, if the following conditions are satisfied:
i. The Claim must be forwarded to the SFAC/Fund
through the Zonal Office / authorised office/
person of Bank as communicated to SFAC
Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
ii. Guarantee in respect of the Credit Facility is in
force at the time of account turning NPA.
iii. Dues have been classified by Bank as Non
Performing Assets
iv. Provided that SFAC reserves the right to refuse
the Claim, if the loss in respect of the said Credit
Facility in its opinion had occurred owing to
Guidelines not having been strictly followed
by Bank/ or if any misrepresentation or
concealment of facts is found leading to undue
favour to the concerned FPC.
v. The Guarantee shall be effective
a). If SFAC and Bank are convinced that the
FPC has suffered genuine business losses,
which may include crop/ asset losses by
the members, and the gravity and impact
of such losses is assessed jointly or by
independent assessment or by the Bank as
may be mutually agreed between SFAC and
Bank on a case by case basis and the FPC
is not in a position to repay dues under any
circumstances including restructuring/re-
phasing/rescheduling the loan.
b). for such amounts as may be written off or
interest waived from the credit facility by the
Bank with intimation to SFAC as a result of
the business failure of the FPC
c). In all other cases
o  Only when proceedings for recovery have
been initiated by Bank.
o The responsibility of recovery of the dues shall
rest with Bank.
23. Claim Settlement
i. Only such Claim as is preferred by Bank on the
Defaulted account, which has become NPA,
within a maximum period of one year from date
of NPA or as specified by SFAC from time to time,
shall be considered.
ii. Fund shall honour 75 per cent of the Guaranteed
Amount in Default subject to maximum of 75
per cent of the guaranteed cap amount, on
preferring of claim by Bank where appropriate
action for recovery has been initiated.
iii. Balance 25 per cent of the defaults or guaranteed

iii. cSad dh vis{kkvksa ds vuqlj.k esa rFkk y?kq —"kd —f"k
O;kikj la?k dh 'krks± ,Zoa fu;eksa ds vuqlkj _.k Loh—r
djus ds fy, çlaLdj.k] dkuwuh dk;Z ,oa çys[ku dk
dk;Z djukA
iv. ,sls fooj.k ,oa lwpuk,a] nLrkost] jlhns] çek.ki= çLrqr
djuk ftudh _.k lqfo/kk ds flyflys esa y?kq —"kd
—f"k O;kikj la?k dks t:jr gks ldrh gSA
v. çekf.kr djuk @ vfiq'V ds :i esa le>uk fd ,sls
nLrkostksa] jlhnksa] çek.ki=ksa ,oa vU; fyf[kr nLrkostksa
dh varoZLrq,a lgh gSa ijarq lnk"k;rk esa fd, x, fdlh
dk;Z ds fy, fdlh nkos dks vLohdkj ugÈ fd;k tk,xk
rFkk blds fy, _.knkrk laLFkk ;k blds fdlh vfèkdkjh
ij dksbZ ns;rk 'kkfey ugÈ dh tk,xhA
vi. _.kxzkgh ds [kkrs dh fuxjkuh djuk vkSj vkof/kd
fuxjkuh rFkk çs{k.k ij 'kq: dh xbZ dkjZokb;ksa dk
vfys[k j[kuk] ;fn dksbZ gksA
i.  _.kxzkgh ls çkIr dh xbZ çkFkfed çfrwfr;ks]a ;fn dksbZ
gks] dh j{kk djukA
ii.  cd
aS xkjaVh—r jde dh olwyh esa lqfo/kk çnku djus ;k
xkjaVj ds :i esa blds fgrksa dh j{kk djus ds fy, ,sls
funZ"s kksa dk ikyu djus ds fy, ck/; gksxk ftUgsa y?kq —"kd
—f"k O;kikj la?k le; & le; ij tkjh djus ds fy,
mi;qä le> ldrk gSA
iii. cd
aS fo'ks"k :i ls xkjaVh dk ykxw djus ls iwoZ ;k ykxw
djus ds ckn ,sls fdlh dk;Z ls cpsxk tks xkjaVj ds :i
esa y?kq —"kd —f"k O;kikj la?k ds fgr dks çfrdwy :i ls
çkfor dj ldrk gSA
iv. cd
aS ,slk dksbZ le>kSrk ;k O;oLFkk djus ds vius bjkns
ds ckjs esa y?kq —"kd —f"k O;kikj la?k dks vfxze esa lwfpr
djsxk] ftldk çkFkfed çfrwfr dh fjgk;h ;k NwV ij
çko gks ldrk gSA
v.  y?kq —"kd —f"k O;kikj la?k dh iwokZueq fr fy, cxSj cSd a
_.kxzkgh ds lkFk djkj ds ek/;e ls ;g h lqfufÜpr
djsxk fd _.kxzkgh xkjaVh }kjk 'kkfey _.k lqfo/kkvksa ds
fy, çkFkfed çfrwfr ds :i esa /kkfjr ifjlaifŸk;ksa ij
vius fy, ;k fdlh vU; _.knkrk ¼_.knkrkvks½a ds i{k
esa fdlh çkj dk l`tu ugÈ djsxkA
22- xkjaVh dk ykxw djuk
cSad ,u ih , dh rkjh[k ls vf/kdre ,d o"kZ dh vof/k ds
vanj _.k lqfo/kk ds laca/k esa xkjaVh dk ykxw djsxk] ;fn
fuEufyf[kr 'krs± iwjh gksrh gSa%
i. y?kq —"kd —f"k O;kikj la?k @ fuf/k dks nkok vkapfyd
dk;kZy; @ vf/k—r dk;kZy; @ y?kq —"kd —f"k
O;kikj la?k dks ;Fkk lwfpr cSad ds O;fä ds ek/;e ls
vxzsf'kr fd;k tkrk gSA
fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
34
ii. 
_.k lqfo/kk ds laca/k esa xkjaVh [kkrs ds ,u ih , esa
ifjofrZr gksus ds le; ls ykxw gksrh gSA
iii. 
cSad }kjk cdk;k jkf'k dks ,u-ih-, ds :i esa oxÊ—r
fd;k x;k gSA
iv. ijarq ;g fd y?kq —"kd —f"k O;kikj la?k nkos dks vLohdkj
djus dk vf/kdkj lqjf{kr j[krk gS] ;fn mldh jk; esa
mä _.k lqfo/kk ds lac/a k esa ?kkVk bl otg ls gqvk gS
fd cSd a }kjk fn'kkfunZ's kksa dk dM+kbZ ls ikyu ugÈ fd;k
x;k gS ;k ;fn ,slk ik;k tkrk gS fd lacfa /kr fdlku &
mRiknd daiuh dks vuqfpr vuqxgz çnku djus ds fy, dksbZ
nqfoZfu;kstu fd;k x;k gS ;k rF;ksa dks fNik;k x;k gSA
v. xkjaVh çkoh gksxh &
¼d½ ;fn y?kq —"kd —f"k O;kikj la?k ,oa cSd a dks bl ckjs
esa dksbZ langs ugÈ gS fd fdlku & mRiknd daiuh dks
lgh ek;us esa dkjksckj esa ?kkVk gqvk gS] ftlesa lnL;ksa
}kjk Qly@ifjlaifŸk dk uqdlku 'kkfey gS] rFkk ,sls
?kkVs dh xahjrk ,oa çko dk ewY;kadu ekeyk nj
ekeyk vk/kkj ij y?kq —"kd —f"k O;kikj la?k ,oa cSd a
ds chp ijLij lger <ax ls Lora= ewY;kadu }kjk ;k
cSd
a }kjk ;k la;ä q :i ls fd;k tkrk gS] rFkk fdlku
& mRiknd daiuh fdlh h ifjfLFkfr esa cdk;k dks
pqdrk djus dh fLFkfr esa ugÈ gS] ftlesa _.k dk
iquxZBu @ iqu% fu/kkZj.k@iqu% vuqlp w hdj.k 'kkfey gSA
¼[k½ ,l s h jkf'k;ksa ds fy, ftUgsa cÍs [kkrs esa Mkyk tk
ldrk gS ;k lh vU; ekeyksa esa ftlesa fdlku &
mRiknd daiuh ds dkjksckj ds vlQy gks tkus ds
dkj.k y?kq —"kd —f"k O;kikj la?k dks lwfpr djrs
gq, ik= _.knkrk laLFkk }kjk _.k lqfo/kk ls ekQ
fd, x, C;kt ds fy,A
¼x½ vU; lh ekeyksa es%a
o dos y rh tc olwyh ds fy, dk;Zokgh cSd a }kjk
'kq: dh xbZ gSA
o cdk;k dh olwyh dh ftEesnkjh cSd a dh gksxh
23- nkos dk fuiVkjk
i. dsoy ,sls nkos ij fopkj fd;k tk,xk ftls ,u ih , dh
rkjh[k ls vf/kdre ,d o"kZ dh vof/k ds vanj ;k y?kq —"kd
—f"k O;kikj la?k }kjk le; & le; ij fufnZ"V vof/k ds
vanj cSd
a }kjk pwddrkZ [kkrs ij çLrqr fd;k tkrk gSA
ii. cSad }kjk nkok çLrqr fd, tkus ij] tgka olwyh ds fy,
mi;qä dkjZokbZ 'kq: dh xbZ gS ogka fuf/k vf/kdre
xkjaVh—r jkf'k ds vf/kd ls vf/kd 75 çfr'kr ds vèkhu
xkjaVh—r pwd jkf'k ds 75 çfr'kr dk qxrku djsxhA
iii. ;Fkk fLFkfr pwd ;k xkjaVh—r vf/kdre jkf'k ds 'ks"k
25 çfr'kr dk qxrku cSad }kjk olwyh dh dkjZokbZ
lekIr gksus ij fd;k tk,xkA
35
cap amount, as the case may be, shall be paid
on conclusion of recovery proceedings by the
Bank.
iv. Subject to the Claim being otherwise found in
order and complete in all respects, SFAC shall
pay the Bank eligible claim within 90 days.
v. The outstanding dues of the FPC to Bank shall
be reduced to the extent of the Amount of
Claim settled by SFAC.
vi. Bank shall continue to make efforts to realise
the balance amount due even after settlement
of Guarantee.
vii. SFAC reserves right to claim from Bank any
amount that is realised by Bank from the ------------
-- FPC even after settlement of guarantee amount:
viii. Any amount realized by the Bank from -----------
------ FPC shall be shared in the ratio of 85%:15%
between SFAC & Bank. Such payment may be
made as and when any such amount is realised
subject to the relaxation that any payments
below the sum of Rs.1 Lakh to SFAC may be
made on a quarterly basis on or before the last
day of the quarter.
ix. Once the Claim is paid, SFAC shall be deemed
to have been discharged from all its liabilities
on account of the Guarantee in force in respect
of the Credit Facility.
x. Bank shall be liable to refund the Claim released
by SFAC together with the penal interest at a
Rate of Interest of----% per annum, which is 1%
above the Rate of interest at which the Credit
Facility has been sanctioned by Bank to ----
for the period for which the Claim has been
released , if the Guarantee Amount is recalled
by SFAC for any reason whatsoever.
xi. Erroneous duplicate payment of claim by SFAC
shall not be construed as recall. However, any
duplicate claim by Bank and the settlement
there against by SFAC shall be Recalled and SFAC
reserves the right to recall the entire payment
released to Bank against the Credit Facility.
24. Subrogation of Rights and Recoveries On
Account Of Claims Paid
Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
i. Details of efforts for recovery, realization and such
other information as may be demanded by SFAC
from time to time shall be furnished by Bank.
ii. On its own behalf and on behalf of SFAC, Bank
shall hold lien on assets created out of the Credit
Facility extended by the LI to the Borrower.
iii. The responsibility for the recovery of dues
including takeover of assets, sale of assets, etc.,
shall rest with Bank;
iv. Payments made by Borrower towards any one
or more of several distinct and separate debts
owed by it to Bank, shall be deemed to have
been appropriated by Bank to the debt covered
by the Guarantee and in respect of which a
Claim has been preferred and paid, irrespective
of the manner of appropriation indicated by
such Borrower or the manner in which such
payments are actually appropriated.
25. Residual Recovery
SFAC shall have the first claim to Appropriation of
the Amount realized by Bank before making the
final settlement of the Claim in the ratio of 85:15.
26. Termination of SFAC’s Liability in Certain Cases
i. The Guarantee in respect of the Credit Facility
extended by Bank to -------------- shall be deemed
to be terminated, if the liabilities of --------------
to Bank on account of said guaranteed Credit
Facility are transferred or assigned to any other
borrower without the consent of SFAC which
shall be sought by Bank or Borrower in writing
stating the reasons for the transfer/assignment
and if the conditions as to the eligibility of the
borrower and the amount of the facility and
any other terms and conditions, if any, subject
to which the credit facility can be guaranteed
under the Scheme are not satisfied after the said
transfer or assignment, from the date of the said
transfer or assignment.
ii. The liability of SFAC in respect of the Credit Facility
granted to ----------- by Bank shall be limited to
the liability of ------------ (Borrower) to Bank as
on the date on which the Borrower becomes
ineligible for being granted any Credit Facilities
under the Scheme, by reason of cessation of his
activity or his activity or his undertaking ceasing

iv. y?kq —"kd —f"k O;kikj la?k 90 fnu ds vanj cSad dks
,sls nkos dk qxrku djsxk tks vU;Fkk gj n`f"V ls lgh
,oa iw.kZ ik, tk,axsA
v. cSad ij fdlku & mRiknd daiuh dh cdk;k jkf'k dks
nkos dh fuiVkujkf'k dh lhek rd y?kq —"kd —f"k
O;kikj la?k }kjk ?kVk;k tk,xkA
vi. xkjaVh ds fuiVkjk ds ckn h cSad 'ks"k cdk;k jkf'k dh
olwyh ds fy, ç;kl djuk tkjh j[ksxkA
vii. xkjaVh dh jkf'k ds fuiVkjs ds ckn h y?kq —"kd —f"k
O;kikj la?k cSad ls ,slh fdlh jkf'k dk nkok djus dk
vf/kdkj lqjf{kr j[krk gS] ftls cSad }kjk ------------- ----------
------------ fdlku & mRiknd daiuh ls olwyk tkrk gSA
viii. ----------------------------------------- fdlku & mRiknd daiuh ls cSad
}kjk olwy dh xbZ fdlh jkf'k dks y?kq —"kd —f"k
O;kikj la?k ,oa cSad ds chp 85%15çfr'kr ds vuqikr
esa ckaVk tk,xkA y?kq —"kd —f"k O;kikj la?k dks ,slk
qxrku rc fd;k tk,xk tc ,slh dksbZ jkf'k olwy dh
tkrh gS rFkk bl ij ;g NwV ykxw gksxh fd 1 yk[k
:i, ls de jkf'k ds fdlh qxrku dks frekgh vk/kkj
ij ;k frekgh dh vkf[kjh rkjh[k ls igys fd;k tk
ldrk gSA
ix. nkos dk qxrku gks tkus ij ;g le>k tk,xk fd y?kq
—"kd —f"k O;kikj la?k lacaf/kr _.k lqfo/kk ds laca/k esa
çkoh xkjaVh ds dkj.k viuh lh ns;rkvksa ls eqä gks
x;k gSA
x. 
ml vof/k ftlds fy, nkok fueZqä fd;k x;k gS] ds
fy, ftl nj ls ----------- dks cSad }kjk _.k lqfoèkk
Loh—r dh xbZ Fkh mlls 1 çfr'kr vf/kd nkafMd C;kt
dh nj ds lkFk cSad y?kq —"kd —f"k O;kikj la?k }kjk
fueZqä nkos dks ykSVkus ds fy, ftEesnkj gksxk] ;fn fdlh
h dkj.k ls y?kq —"kd —f"k O;kikj la?k }kjk xkjaVh dh
jde dh ekax dh tkrh gSA
xi. 
y?kq —"kd —f"k O;kikj la?k }kjk nkos ds =qfViw.kZ @
nksgjs qxrku dks okilh ds :i esa ugÈ le>k tk,xkA
rFkkfi] cSad }kjk fdlh nksgjs nkos rFkk y?kq —"kd —f"k
O;kikj la?k }kjk mlds fo:) fuiVkjs dks okil fy;k
tk,xk rFkk y?kq —"kd —f"k O;kikj la?k lanZ ds vèkhu
_.k lqfo/kk ds fo:) cSad dks tkjh fd, x, lewps
qxrku dks okil eaxkus dk vf/kdkj lqjf{kr j[krk gSA
24- çnŸk nkoksa ds dkj.k çfrLFkkiu vf/kdkj ,oa olwfy;ka
i. cSad }kjk y?kq —"kd —f"k O;kikj la?k dks olwyh] cjkenxh
ds fy, ç;klksa dk C;kSjk rFkk ,slh vU; lwpuk,a sth
fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
35
tk,axh ftldh y?kq —"kd —f"k O;kikj la?k }kjk le;
& le; ij ekax dh tk ldrh gSA
ii. viuh vksj ls rFkk y?kq —"kd —f"k O;kikj la?k dh vksj
ls cSad _.kxzkgh dks _.knkrk laLFkk }kjk çnku dh xbZ
_.k lqfo/kk ls l`ftr ifjlaifŸk;ksa ij xzg.kkf/kdkj cuk,
j[ksxkA
iii. ifjlaifŸk;ksa dk vf/kxzg.k] ifjlaifŸk;ksa dh fcØh vkfn
lesr cdk;k jkf'k dks olwyus dh ftEesnkjh cSd
a dh gksxhA
iv. cSad ls fy, x, vusd fé&fé ,oa vyx _.kksa esa ls
fdlh ,d ;k ,d ls vf/kd ds fy, fdlh _.kxzkgh }kjk
fd, x, qxrku dks cSad }kjk ml _.k esa fofu;ksftr
ds :i esa ekuk tk,xk ftls xkjaVh ds rgr 'kkfey
fd;k x;k gS rFkk ftlds laca/k esa nkok fd;k x;k gS
rFkk qxrku fd;k x;k gS] bl ckr ds dksbZ ek;us ugÈ
gksrs fd ,sls _.kxzkgh }kjk fofu;kstu ds fdl <ax dk
mYys[k fd;k gS ;k fdl <ax ls ,sls qxrkuksa dk okLro
esa fofu;kstu fd;k tkrk gSA
25- vof'k"V olwyh
85%15 ds vuqikr esa nkos dk vafre fuiVkjk djus ls iwoZ cSad
}kjk olwyh xbZ jkf'k ds fofu;kstu ij igyk nkok y?kq —"kd
—f"k O;kikj la?k dk gksxkA
26- dfri; ekeyksa esa y?kq —"kd —f"k O;kikj la?k dh ns;rk
dh lekfIr
i. cSad }kjk ------------------------------- dks çnku dh xbZ _.k lqfoèkk
ds laca/k esa xkjaVh dks lekIr le>k tk,xk] ;fn y?kq
—"kd —f"k O;kikj la?k dh lgefr] tks fyf[kr esa cSad
;k _.kxzkgh }kjk ekaxh tk,xh ftlesa varj.k @ vkcaVu
ds dkj.kksa dk foLrkj ls mYys[k gksxk] ds fcuk mä
xkjaVh—r _.k ds dkj.k cSad ds çfr ------------- ------------
---------- dh ns;rk,a fdlh vU; _.kxzkgh dks varfjr ;k
vkcafVr dh tkrh gSa] vkSj ;fn _.kxzkgh dh ik=rk rFkk
_.k lqfo/kk dh jkf'k vkfn tSlh 'krs± rFkk dksbZ vU;
'krZ ,oa fuca/ku] ;fn dksbZ gks] ftlds v/khu bl ;kstuk
ds rgr _.k lqfo/kk xkjaVh—r dh tk ldrh gS] mä
varj.k ;k vkcaVu dh rkjh[k ls mä varj.k ;k vkcaVu
ds ckn iwjh ugÈ gksrh gSaA
ii. 
cSad }kjk ------------------------------------- dks eatwj dh xbZ fdlh
_.k lqfo/kk ds laca/k esa y?kq —"kd —f"k O;kikj la?k dh
ns;rk ml rkjh[k dks ftldks _.kxzkgh ;kstuk ds rgr
dksbZ _.k lqfo/kk çkIr djus ds fy, viuh xfrfof/k
@ vius miØe ds can gks tkus @ fdlku & mRiknd
36
to come within the definition of a FPC unit,
subject, however, to the limits on the liability of
SFAC fixed under this Scheme.
27. Other Conditions
i. Bank shall be deemed to have understood
and accepted the terms & conditions of
the Scheme as being legally binding on
itself.
ii. Bank shall ensure that the conditions of
guaranteed Credit Facility are not in conflict
with the provisions of the Scheme.
iii. Notwithstanding any provision in any other
document or contract entered into by Bank
with regard to Guaranteed Credit Facility, the
Provisions /Conditions of the Scheme shall
override all such other provisions as if this
conditionality had been written in the relevant
Document/contract and Bank shall in relation
to SFAC be bound by the conditions.
iv. The I & CS Committee reserves the right to
reject any proposal where it is of the view that
Guidelines have not been strictly adhered to/
or if any misrepresentation or concealment of
facts is found leading to undue favour to the
concerned FPC.
28. Modifications and Exemptions
i. SFAC reserves the right to modify, cancel or
replace the Scheme in any manner whatsoever
that it deems necessary , however so ensuring
that the rights or obligations arising out of, or
accruing under the Guarantee issued to Bank
up to the date on which such modification,
cancellation or replacement comes into effect,
shall not be affected.
ii. Not withstanding anything contained herein,
SFAC shall have the right to alter the Terms
and Conditions of the Scheme in regard to the
Credit Facility Guaranteed to Bank in respect of
which Guarantee has not been invoked as on
the date of such alteration.
iii. In the event of the Scheme being cancelled, no
Claim shall lie against SFAC in respect of Credit
Guarantee
Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
29. Interpretation
The decision of SFAC shall be final in regard to the
interpretation of any of the provisions of the Scheme
or of any directions or instructions or clarifications
given in connection therewith.
30. Supplementary and General Provisions
SFAC may make such supplementary or additional
provisions or issue such instructions or clarifications
as may be necessary for the purpose of the Scheme
in respect of any matter not specifically provided for
in this Scheme. Bank shall comply with the same
31. Arbitration
i. Disputes, if any, arising out of the Agreement
shall be resolved through mutual consultation,
ii. Failing which Arbitration by a sole Arbitrator
chosen by Bank and SFAC in accordance with
the provisions of the Arbitration and Conciliation
Act, 1996 shall be resorted to.
iii. The venue of the Arbitration shall be New Delhi.
32. That this Agreement shall take effect from the
first day of ____________.
33. That the Stamp Duty payable on this
Agreement shall be borne by Bank.
For and on behalf of Bank__________________
Signature _____________________________
Name _______________________________
Designation ___________________________
Place: _______________________
Date : _______________________
For and on behalf of SFAC
Signature _____________________________
Name _______________________________
Designation ___________________________
Place :_______________________
Date : _______________________

daiuh dh ;wfuV dh ifjk"kk ds vanj vkuk can gks tkus
ds dkj.k vik= curk gS] cSad ds çfr ---------- --------------------
------ ¼_.kxzkgh½ dh ns;rk rd lhfer gksxhA rFkkfi] ;g
bl ;kstuk ds rgr fu/kkZfjr y?kq —"kd —f"k O;kikj la?k
dh ns;rk ij lhek ds v/khu gksxkA
27- vU; 'krs±
i. ;g le>k tk,xk fd cSad ;kstuk dh 'krks± ,oa fu;eksa
dks le>rk gS rFkk vius vkidks blls dkuwuh rkSj ij
ck/; djus ds fy, mlus bUgsa Lohdkj fd;k gSA
ii. cSad ;g lqfufÜpr djsxk fd xkjaVh—r _.k lqfo/kk dh
'krs± LdÊe ds çko/kkuksa ds foijhr ugÈ gSaA
iii. 
xkjaVh—r _.k lqfo/kk ds laca/k esa cSad }kjk dh xbZ
lafonk ;k fdlh vU; nLrkost esa dksbZ vU; çko/kku
gksus ds ckotwn] ;kstuk ds çko/kku@'krs± ,sls lh vU;
çkoèkkuksa ij bl rjg vfkoh gksaxh ekuks fd ;s 'krs±
l±xr nLrkost@lafonk esa fy[kh xbZ gSa rFkk y?kq —"kd
—f"k O;kikj la?k ds laca/k esa ;kstuk ds rgr yxk;h xbZ
'krks± }kjk ca/ks gksaxsA
iv. fuos'k ,oa nkok fuiVkjk lfefr ¼vkbZ ,aM lh ,l lh½
,sls fdlh çLrko dks vLohdkj djus dk vf/kdkj
lqjf{kr j[krh gS tgka mldh ;g jk; gS fd fn'kkfunZs'kksa
dk dM+kbZ ls ikyu ugÈ fd;k x;k gS ;k ;fn lacafèkr
fdlku & mRiknd daiuh dks vuqfpr leFkZu çnku
djus ds fy, dksbZ nqfoZfu;kstu fd;k x;k gS ;k rF;ksa
dks fNik;k x;k gSA
28- la'kks/ku ,oa NwV
i. y?kq —"kd —f"k O;kikj la?k fdlh h <ax ls ftls
;g vko';d le>s] ;kstuk dks la'kksf/kr , jí ;k
çfrLFkkfir djus dk vf/kdkj lqjf{kr j[krk gSA rFkkfi]
bl ckr dk lqfuÜp; fd;k tk,xk fd ftl rkjh[k dks
,sls la'kksèku] jídj.k ;k çfrLFkkiu çkoh gksrs gSa ml
rkjh[k rd cSad dks tkjh xkjaVh ds rgr mRié ;k çks˜wr
vf/kdkj ;k ns;rk,a çkfor u gksaA
ii. blesa fufgr fdlh h ckr ds ckotwn] y?kq —"kd —f"k
O;kikj la?k dks cSad dks ,slh xkjaVh—r _.k lqfo/kk
ds laca/k esa ;kstuk dh 'krks± ,oa fu;eksa dks ifjofrZr
djus dk vf/kdkj gksxk] ftlds laca/k esa ,sls ifjorZu dh
rkjh[k dks xkjaVh ykxw ugÈ dh xbZ gSA
iii. ;fn ;kstuk jí gks tkrh gS] rks _.k xkjaVh ds laca/k esa
y?kq —"kd —f"k O;kikj la?k ds fo:) dksbZ nkok ugÈ
cusxkA
fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
36
29- O;k[;k
;kstuk ds fdlh h çko/kku ;k bl laca/k esa çnku fd, x,
fdlh Li"Vhdj.k ;k tkjh dh xbZ fdlh fgnk;r ;k funZs'k
dh O;k[;k ds laca/k esa y?kq —"kd —f"k O;kikj la?k dk fu.kZ;
vafre gksxkA
30- iwjd ,oa lkekU; çko/kku
y?kq —"kd —f"k O;kikj la?k ,sls iwjd ;k vfrfjä çkoèkku
dj ldrk gS ;k ,sls vuqns'k ;k Li"Vhdj.k tkjh dj ldrk
gS tks bl ;kstuk esa fof'k"V :i ls fdlh ekeys ds ckjs
esa çkoèkku u gksus dh fLFkfr esa ;kstuk ds ç;kstu ds fy,
vko';d gks ldrs gSaA cSad mudk ikyu djsxkA
31- iap QSlyk
i. djkj ls mRié fooknksa] ;fn dksbZ gks] dk lek/kku ijLij
ijke"kZ ds ek/;e ls fd;k tk,xkA
ii.  vkSj ,slk u gks ikus ij e/;LFk ,oa lqyg vf/kfu;e
1996 ds çko/kkuksa ds vuqlj.k esa lacaf/kr cSad ,oa y?kq
—"kd —f"k O;kikj la?k }kjk pqus x, ,dy e/;LFk }kjk
iap QSlyk dk lgkjk fy;k tk,xkA
iii. iap QSlyk dk LFkku ubZ fnYyh gksxkA
32- ;g djkj ------------ dh igyh rkjh[k ls çkoh gksxkA
33- ;g fd bl djkj ij ns; LVkEi 'kqYd cSad }kjk ogu
fd;k tk,xkA
—rs ,oa cSad dh vksj ls -------------------------------------------------------------
gLrk{kj ------------------------------------------------------------------------------------------------
uke --------------------------------------------------------------------------------------------------------
inuke-----------------------------------------------------------------------------------------------------
LFkku ------------------------------------------------------------------------------------------------------
fnukad-----------------------------------------------------------------------------------------------------
—rs ,oa y?kq —"kd —f"k O;kikj la?k dh vksj ls
gLrk{kj---------------------------------------------------------------------------------------------------
uke --------------------------------------------------------------------------------------------------------
inuke-----------------------------------------------------------------------------------------------------
LFkku ------------------------------------------------------------------------------------------------------
fnukad-----------------------------------------------------------------------------------------------------
37

Annexure 5: Credit Guarantee Fund

Application for Invocation of Guarantee Cover and Settlement of Claim
under CGF Scheme
In terms of Clause__of Credit Guarantee Fund Scheme, we ( ) hereby invoke our claim on SFAC in
Respect of ---------- (Name of FPC) and submit the claim application as under:

1. Claim Application Ref.No Date:

2. Details of Lending Branch/Zonal Office:
a) Bank name with code No.
b) Application submitted through Zonal Office (mention name and code No.)----
(i) Lending Branch Name
(ii) Village / Town
(iii) District
(iv) State
(v) Tel. No (STD Code) No.
(vi) E-mail------------------------------

3. Date of acceptance of proposal for guarantee cover by SFAC

a) Date of payment of Guarantee Fee:
b) Date of payment of Last Annual Service Fee:

4. FPC details
a) Name of FPC
b) Registered as___________ (PC/CSA/SFCS/MACS/Any other) on------
c) Date of registration
d) Address
e) District
f ) Tel. No. (STD Code) No.

5. Status of Accounts (s):

a) Date on which a/c was classified as NPA
b) Date of reporting of NPA to SFAC
c) Reasons for a/c turning NPA
d) Date of issue of Recall Notice
e) Date of Legal Notice

6. Details of Legal Proceedings:

a) Date of initiating recovery proceedings
b) Forum through which legal proceedings were initiated against borrower (please tick one): Civil
Court/DRT/Lok Adalat/ Revenue Recovery Authority / others (please specify)
c) Suit/Case Registration No.
d) Date
e) Name of the Forum and location:
f ) Amount Claimed
g) Current Status / Remarks
h) Whether recovery proceedings have concluded? Yes/No

Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
 37

vuqc/a k 5% _.k xkjaVh fuf/k

_.k xkjaVh fuf/k ;kstuk ds varxZr nkos dk fuiVkjk rFkk xkjaVh dh jde ds ykxw ds fy,
vkosnu
_.k xkjaVh fuf/k ;kstuk ds [kaM ------------------------------ ds vuqlj.k esa ge ¼ ½ ,rr}kjk ------------------------ ¼fdlku & mRiknd daiuh
dk uke½ ds laca/k esa y?kq —"kd —f"k O;kikj la?k ij vius nkos dksykxw djrs gSa rFkk viuk vkosnu fuEukuqlkj çLrqr djrs gS%
1- nkok vkosnu dh lanZ la[;k% rkjh[k%
2- _.knkrk 'kk[kk @ vkapfyd dk;kZy; dk C;kSjk
¼d½ cSad dk uke ¼dksM la[;k ds lkFk½
¼[k½ vkapfyd dk;kZy; ds ek/;e ls tek fd;k x;k vkosnu ¼uke ,oa dksM la[;k dk mYys[k djsa½
(i) _.kMkVk 'kk[kk
(ii) xkao@dLck
(iii) ftyk
(iv) ;k
(v) VsyhQksu uacj ¼,l Vh Mh dksM ds lkFk½
(vi) bZesy ---------
3- y?kq —"kd —f"k O;kikj la?k }kjk xkjaVh dh jde ds fy, çLrko dks Lohdkj djus dh rkjh[k
¼d½ xkjaVh 'kqYd ds qxrku dh rkjh[k%
¼[k½ fiNys okf"kZd lsok 'kqYd ds qxrku dh rkjh[k%
4- fdlku & mRiknd daiuh dk C;kSjk%
¼d½ fdlku & mRiknd daiuh dk uke%
¼[k½ --------------------------- ¼mRiknd daiuh @ lh ,l ,@ ,l ,Q lh ,l @ ,e , lh ,l @ dksbZ vU; ds :i esa----------
------- dks iathÑr
¼x½ iathdj.k dh rkjh[k
¼?k½ irks
¼M-½ ftyk
¼p½ VsyhQksu uacj ¼,l Vh Mh dksM ds lkFk½
5- [kkrs dh fLFkfr%
¼d½ fdl rkjh[k dks [kkrs dks ,u ih , ds :i esa oxÊ—r fd;k x;k%
¼[k½ y?kq —"kd —f"k O;kikj la?k dks ,u ih , ds ckjs esa lwfpr djus dh rkjh[k%
¼x½ [kkrs dks ,u ih , esa ifjofrZr djus ds dkj.k
¼?k½ ykxw uksfVl tkjh djus dh rkjh[k
¼M-½ dkuwuh uksfVl dh rkjh[k
6- dkuwuh dk;Zokfg;ksa dk C;kSjk%
¼d½ olwyh dh dk;Zokgh 'kq: djus dh rkjh[k%
¼[k½ _.kxzkgh ds fo:) fdl eap ds ek/;e ls dkuwuh dk;Zokgh 'kq: dh xbZ ¼—i;k 1 ij fu'kku yxk,a½% flfoy
U;k;ky; @ Mh vkj Vh @ yksd vnkyr @ jktLo olwyh çkf/kdj.k @ vU; ¼—i;k fufnZ"V djsa½%
¼x½ okn @ eqdnek iathdj.k la[;k%
¼?k½ rkjh[k%
¼M-½ eap dk uke ,oa LFkku%
¼p½ nkos dh jkf'k%
¼N½ orZeku fLFkfr @ fVIif.k;ka%
¼t½ D;k olwyh dh dk;Zokfg;ka lekIr gks xbZ gS\ gka @ ugÈ

fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
38

7. Term Loan (TL) Composite Loan Details:

(All amounts to be in Rs.)
S.No Date of last Repayments Outstanding Outstanding Outstanding as
disbursement as on the stated in the on the date of
date of NPA 3 civil suit/ being lodged of
case filed # claim #
Principal Interest & Other Charges

#- Mention only Principal and interest outstanding

8. Working Capital (WC) Limit Details:

(All amounts to be in Rs.)
S.No Outstanding as on the date Outstanding stated in the civil Outstanding as on the date of
of NPA Principal Interest and suit / case filed Principal Interest lodgement of claim Principal
other Charges and other charges Interest and other charges

Date of Release WC (in case in new borrowers): ______________

9. Security & Personal Guarantee Details (if any)

(All amounts to be in Rs.)
Particulars Security Net Worth of Reasons for reduction
Guarantors in the value of Security,
Nature Value if any
As on date of
Sanction of Credit
As on date of NPA
As on date claim
lodged

10. Recoveries made from Borrower after A/c classified as NPA

(All amounts to be in Rs.)
Date Term Loan/ Composite Loan Working Capital Mode of Recovery@
Principal Interest & Other Amount including Other Charges
Charges interest

@- Please indicate mode such as sale of security, subsidy, and subsidy received after date of NPA, One Time
Settlement (OTS) etc.

Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
 38

7- lkof/k _.k @ lafEeJ _.k dk C;kSjk%

¼lHkh èkujkf'k;ka :i, esa gksuh pkfg,½
Øe fiNys laforj.k Hkqxrku ,u ih , dh nkf[ky okn@ nkok nkf[ky djus
la[;k dh rkjh[k rkjh[k dks eqdnes esa dh rkjh[k dks
cdk;k jkf'k : mfYyf[kr cdk;k jkf'k :
cdk;k jkf'k :
ewyèku C;kt ,oa vU; çHkkj

:- dsoy ewyèku ,oa C;kt dh cdk;k jkf'k dk mYys[k djsaA

8- dk;Z'khy iwath ¼MCY;w lh½ dh lhek dk C;kSjk%
¼lHkh èkujkf'k;ka :i, esa gksuh pkfg,½
Øe ,u-ih-,- dh rkjh[k dks cdk;k jkf'k nkf[ky fd, x, flfoy okn@eqdnes nkok nkf[ky djus dh rkjh[k dks
la[;k ¼ewyèku] C;kt ,oa vU; çHkkj½ esa mfYyf[kr cdk;k jkf'k ¼ewyèku] cdk;k jkf'k ¼ewyèku] C;kt ,oa
C;kt ,oa vU; çHkkj½ vU; çHkkj½

dk;Z'khy iwath tkjh djus dh rkjh[k ¼u, _.kxzkfg;ksa ds ekeys esa½% ______________

9- çfrHkwfr ,oa futh xkjaVh dk C;kSjk ¼;fn dksbZ gks½%

¼lHkh èkujkf'k;ka :i, esa gksuh pkfg,½
fooj.k çfrHkwfr xkjaVj dk çfrHkwfr ds ewY; esa dVkSrh
fucy ewY; ds dkj.k] ;fn dksbZ gks
Lo:i ewY;
_.k LohÑr djus dh rkjh[k dks
,u-ih-,- dh rkjh[k dks
nkok nkf[ky djus dh rkjh[k dks

10- [kkrs ds ,u-ih-,- ds :i esa oxhZÑr gksus ds ckn _.kxzkgh ls dh xbZ olwfy;ka%
¼lHkh èkujkf'k;ka :i, esa gksuh pkfg,½
rkjh[k lkofèk _.k@lafEeJ _.k dk;Z'khy iwath olwyh dk rjhdk @
ewyèku C;kt ,oa vU; çHkkj C;kt lfgr jkf'k vU; çHkkj

@Ñi;k rjhds dk mYys[k djsa tSls fd çfrHkwfr dh fcØh] lfClMh rFkk ,u-ih-,- dh rkjh[k ds ckn çkIr lfClMh] ,d ckjxh
fuiVkjk ¼vks Vh ,l½ vkfnA

fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
39

If recovery is done through OTS, indicate the date of seeking approval of SFAC for OTS
11. Total amount for which Guarantee Claim is being invoked:
(All amounts to be in Rs.)
S.No Loan / Limit covered under CGF : Outstanding as on date of NPA * Amount Claimed

*Amount eligible for claim is 85%

1. Term / Loan/ Composite Loan: Lower of

a) Principal amount outstanding in the account as on the date A/c was classified as NPA after netting
off any Repayment / recovery made under the a/c after date of NPA
Or
b) The TL / Composite Loan covered under the CGF

2. Working Capital: Lower of

a) Outstanding amount including interest in the account as on the date A/c was classified as NPA
after Netting off any repayment / recovery made under the A/c after date of NPA
Or
b) The WC limit covered under the CGF

Declaration and undertaking by LI (Bank / Institution)

(To be signed by an officer not below the rank of Assistant General Manager of Bank of equivalent rank)
Declaration- We declare that the information given above is true and correct in every respect. We further
declare that there has been no fault or negligence on the part of the LI or any its officers in sanction, conduct
and follow up of the account. We also declare that the office preferring the claim on behalf of LI is has
the authority to lodge the claim. We hereby declare that no fault or negligence has been pointed out by
internal/external auditors, inspectors of SFAC or its agency in respect of the Account (s) for which claim is
being invoked. Undertaking- we hereby undertake:

a) To pursue all recovery steps including legal proceedings even after receiving the claim

b) To report of SFAC the position of outstanding dues from the Borrower on half-yearly basis as on 31st
March and 30th September of each year till final settlement of guarantee claim by SFAC.

c) To refund to SFAC the claim amount settled along with interest thereof at __% specified, if in the view of
SFAC we fail or neglect to take any action for recovery of the guaranteed debt from the borrower or any
other person from whom the amount is to be recovered.

d) On payment of claim by SFAC, to remit to SFAC all such recoveries, after adjusting towards the legal
expenses incurred for recovery of the amount, which we or our agents acting on our behalf, may make
from the person or persons responsible for the administration of debt, or otherwise, in respect of the
debt due from him/ them to us.

Signature: ___________________
Name of the official:_______________ Designation: __________________
LI Name & Seal: ___________________
Date: _____________ Place: ___________________

Equity Grant & Credit Guarantee Fund Scheme for Farmer Producer Companies |Operational Guidelines
 39

;fn olwyh vksVh,l ds ekè;e ls dh tkrh gS] rks Ñi;k crk,a fd vksVh,l ds fy, y?kq Ñ"kd Ñf"k O;kikj la?k dk
vuqeksnu fdl rkjh[k dks fn;k x;k----------------------------------------
11- dqy jkf'k ftlds fy, xkjaVh ds nkos dk ykxw fd;k tk jgk gS%
¼lHkh èkujkf'k;ka :i, esa gksuh pkfg,½
Øe la[;k lh th ,Q ds varxZr 'kkfey _.k @ lhek% ,u ih , dh rkjh[k dks cdk;k jkf'k nkok dh xbZ jkf'k

* nkos ds fy, ik= jkf'k 85 çfr'kr

1- lkof/k _.k @ la;qä _.k tks fuEufyf[kr ls de gS%

d½  ftl rkjh[k dks [kkrk ,u ih , ds :i esa oxÊ—r fd;k x;k ml rkjh[k dks ,u ih , dh rkjh[k ds ckn [kkrs
ds rgr fdlh olwyh @ vnk;xh ds fu/kkZj.k ds ckn [kkrs esa cdk;k ewy/ku
vFkok
[k½ lh th ,Q ds varxZr 'kkfey lkof/k _.k @ la;qä _.k
2- dk;Z'khy iwath tks fuEufyf[kr ls de gS%
d½  ftl rkjh[k dks [kkrk ,u ih , ds :i esa oxÊ—r fd;k x;k ml rkjh[k dks ,u ih , dh rkjh[k ds ckn [kkrs
ds rgr fdlh olwyh @ vnk;xh ds fu/kkZj.k ds ckn [kkrs esa C;kt lfgr cdk;k jkf'k
vFkok
[k½ lh th ,Q ds varxZr 'kkfey dk;Z'khy iwath dh lhek
_.knkrk laLFkk ¼cSad @ laLFkk½ }kjk ?kks"k.kk ,oa opui=%
¼bl ij cSad ds ,sls vf/kdkjh }kjk gLrk{kj fd;k tk,xk ftldh jSad lgk;d egkçca/kd ;k lerqY; jSad ls de ugÈ gksxh½
?kks"k.kk% ge ?kks"k.kk djrs gSa fd Åij nh xbZ lwpuk,a gj n`f"V ls lgh ,oa lPph gSaA ge ;g h ?kks"k.kk djrs gSa fd Loh—fr]
lapkyu ;k [kkrs ds vuqorZu ds laca/k esa _.knkrk laLFkk ;k blds fdlh vf/kdkjh dh vksj ls dksbZ pwd ;k ykijokgh ugÈ gqbZ gSA
ge ;g h ?kks"k.kk djrs gSa fd _.knkrk laLFkk dh vksj ls nkok djus okys vf/kdkjh ds ikl nkok nkf[ky djus dk çkfèkdkj gSA
g e ,rr}kjk ?kks"k.kk djrs gSa fd ftl [kkrs ds laca/k esa nkos dksykxw fd;k tk jgk gS mlds laca/k esa vkarfjd @ cká ys[kk
ijh{kdksa] y?kq —"kd —f"k O;kikj la?k ;k blds ,tsalh ds fujh{kdksa }kjk fdlh pwd ;k ykijokgh dk mYys[k ugÈ fd;k x;k gSA
opui=% ge ,rr}kjk opu nsrs gSa fd%
d½ ge nkok çkIr djus ds ckn h dkuwuh dkjZokbZ lesr olwyh ds lh mik;ksa dk vuqlj.k djsaxsA
[k½ ge y?kq —"kd —f"k O;kikj la?k }kjk xkjaVh nkos ds vafre fuiVkjk rd gj lky 31 ekpZ vkSj 30 flracj dh fLFkfr ds vuqlkj
Nekgh vk/kkj ij _.kxzkgh ls olwyh xbZ cdk;k jkf'k dh fLFkfr ds ckjs esa y?kq —"kd —f"k O;kikj la?k dks lwfpr djsx a As
x½ ge ---------------------- çfr'kr dh fufnZ"V nj ls C;kt ds lkFk y?kq —"kd —f"k O;kikj la?k dks fuLrkfjr nkok jkf'k ykSVk,axs]
;fn y?kq —"kd —f"k O;kikj la?k dh jk; esa ge _.kxzkgh ls ;k fdlh vU; O;fä ls] ftlls /kujkf'k dh olwyh dh tkuh
gS] xkjaVh—r _.k dh olwyh ds fy, dksbZ dkjZokbZ djus esa vlQy jgrs gSa ;k ykijokgh cjrrs gSaA
?k½ y?kq Ñ"kd Ñf"k O;kikj la?k }kjk nkos ds Hkqxrku ij ge jkf'k dh olwyh ds fy, fd, x, dkuwuh O;; ds fy, lek;kstu
djus ds i'pkr~ bl çdkj olwy dh xbZ lHkh jkf'k y?kq Ñ"kd Ñf"k O;kikj la?k dks Hkst nsaxs] ftls ge ;k gekjh vksj ls
dke djus okys gekjs ,tsaV _.k ds ç'kklu ds fy, ;k vU;Fkk muds cdk;k _.k ds lacaèk esa ftEesnkj O;fDr ;k O;fDr;ksa
ls dj ldrs gSaA
gLrk{kj% _________________________________
vfèkdkjh dk uke%___________________________ inuke% __________________
_.knkrk laLFkk dk uke ,oa eqgj% _______________
rkjh[k% _____________ LFkku ___________________

fdlku & mRiknd daifu;ksa ds fy, “ks;j iwath vuqnku ,oa _.k xkjaVh fufèk ;kstuk A fn”kk funsZ”k
 y?kq Ñ’kd Ñf’k O;kikj la?k
¼Ñf’k ,oa lgdkfjrk foHkkx] Hkkjr ljdkj½
,u lh ;w vkbZ vkfMVksfj;e fcfYMx
vxLr Økfr ekxZ] gkSt [kkl] ubZ fnYyh & 110 016
nwjHkk’k% 91 11 26862365] 26966017 QSDl% 91 11 26862367
bZesy% sfac@nic.in, osclkbV% www.sfacindia.com