,xhfctusl fodkl ds fy, e iwath lgk;rk ;kstuk VCA...2 Operational Guidelines – Venture Capital Assistance Scheme for Agribusiness Development,xzhfct+usl fodkl ds fy, m|e iwath lgk;rk

,xzhfct+usl fodkl ds fy, m|e iwath lgk;rk ;kstuk

fn'kk funsZ'kckjgoha ;kstuk ¼2012&2017½

for Agribusiness Development

OperatiOnal GuidelinesVenture Capital

assistanCe sCheme

Xiith plan (2012–2017)

,xzhfct+usl fodkl ds fy, m|e iwath lgk;rk ;kstuk & fn'kk funsZ'k,xzhfct+usl fodkl ds fy, m|e iwath lgk;rk ;kstuk & fn'kk funsZ'k2 Operational Guidelines – Venture Capital Assistance Scheme for Agribusiness Development

AGRIBUSINESS DEVELOPMENT THROUGH VENTURE CAPITAL ASSISTANCE AND PROJECT DEVELOPMENT FACILITY

1. IntroductIon 1.1 Farming is the single largest private sector economic activity in the country. The growth

potential in this key sector is immense in view of the changes taking place in food consumption and there is growing demand for high value processed products. Successes in such endeavors will require innovations and partnerships. Private agribusiness provide first point market for the farm sector and growth depends principally on private initiatives. A significant portion of agribusiness activity is the result of small and medium enterprises. Such enterprises are necessarily widespread in location to capture opportunities that arise all along the farm to table supply chain. Key constraints that impede development of new agribusiness projects are access to information and access to credit. Agribusiness entrepreneurs are generally first generation who have business skills but their financial resources are limited for setting up units at the farm gate with backward linkages. In order to facilitate agribusiness development in the country SFAC venture capital scheme will:

(a) Assist agripreneurs to make investments in setting up agribusiness projects through financial participation, and

(b) Provide financial support for preparation of bankable Detailed Project Reports (DPRs) through Project Development Facility (PDF).

,xzhfct+usl fodkl ds fy, m|e iwath lgk;rk ;kstuk & fn'kk funsZ'k,xzhfct+usl fodkl ds fy, m|e iwath lgk;rk ;kstuk & fn'kk funsZ'k 2

m|e iwath lgk;rk rFkk ifj;kstuk fodkl lqfo/kk ds ek/;e ls Ñf"k O;kikj fodkl

1- ifjp;1-1 ns'k esa [ksrh lcls cM+h futh {ks= dh vkfFkZd xfrfof/k gSA vukt dh [kir esa gks jgs ifjorZuksa

dks /;ku esa j[krs gq, bl izeq[k {ks= esa fodkl dh vlhe laHkkouk gS rFkk mPp ewY; ds lalkf/kr mRiknksa dh ekax c<+ jgh gSA bu iz;klksa dh lQyrk ds fy, uoksUos"k.k vkSj lk>snkjh dh vko';drk jgrh gSA futh Ñf"k O;kikj Ñf"k {ks= ds fy, izkFkfed cktkj lqyHk djkrk gS rFkk fl)kar% bu {ks=ksa esa fodkl futh igyksa ij fuHkZj djrk gSA y?kq o e/;e m|eksa dk Ñf"k O;kikj {ks= esa lcls egRoiw.kZ ;ksxnku gksrk gSA [ksrksa ls miHkksx rd dh vkiwfrZ J[kyk esa ;s m|e lHkh txgksa esa O;kid :i ls QSys gq, gSaA ubZ Ñf"k O;kikj ifj;kstukvksa ds fodkl esa lcls cM+h ckèkk lwpuk,a izkIr djuk rFkk _.k dh miyC/krk gSA lkekU;r% Ñf"k&O;kikj m|eh igyh ih<+h gksrh gS ftuds ikl O;kikj dh dq'kyrk rks gS fdarq muds foÙkh; lalk/ku lhfer gSaA vr% ,l,Q,lh (SFAC) ns'k esa Ñf"k O;kikj fodkl dks lqpk: cukus ds fy, fuEu dk;Z djsaxh%

¼d½ foÙkh; lgHkkfxrk ds ek/;e ls Ñf"k&m|fe;ksa dks Ñf"k O;kikj ifj;kstuk,a yxkus esa fuos'k djus esa lgk;rk igq¡pkuk] rFkk

¼[k½ ifj;kstuk fodkl lqfo/kk ¼ihMh,Q½ ds ek/;e ls cSadksa esa izLrqr djus ;ksX; foLr`r ifj;kstuk fjiksVZ ¼Mhihvkj½ rS;kj djus ds fy, foÙkh; lgk;rk lqyHk djkukA

Operational Guidelines – Venture Capital Assistance Scheme for Agribusiness Development ,xzhfct+usl fodkl ds fy, m|e iwath lgk;rk ;kstuk & fn'kk funsZ'k,xzhfct+usl fodkl ds fy, m|e iwath lgk;rk ;kstuk & fn'kk funsZ'k3

2. objectIves2.1 The main objectives of the Scheme are:

(a) To facilitate setting up of agribusiness ventures in close association with all Notified Financial Institutions notified by the Reserve Bank of India where the ownership of the Central/State Government is more than 50% such as Nationalized banks, SBI & its subsidiaries, IDBI, SIDBI, NABARD, NCDC, NEDFi, Exim Bank, RRBs & State Financial Corporations.

(b) To catalyze private investment in setting up of agribusiness projects and thereby providing assured market to producers for increasing rural income & employment.

(c) To strengthen backward linkages of agribusiness projects with producers.(d) To assist farmers, producer groups, and agriculture graduates to enhance their

participation in value chain through Project Development Facility.(e) To arrange training and visits, etc. of agripreneurs in setting up identified agribusiness

projects.(f) To augment and strengthen existing set up of State and Central SFAC.

3. salIent features of the scheme3.1 Venture Capital Assistance

SFAC would provide Venture Capital to qualifying projects on the recommendations of the Notified Financial Institution financing the project. This venture capital will be repayable back to SFAC after the repayment of term loan of lending Notified Financial Institution as per original repayment schedule or earlier.3.1.1 SFAC would provide venture capital to agribusiness projects by way of soft loan to

supplement the financial gap worked out by the sanctioning authority of term loan under Means of Finance with respect to cost of project subject to the fulfillment of the following conditions:(a) Qualifying projects under Venture Capital:

(i) Project should be in agriculture or allied sector or related to agricultural services. Poultry and dairy projects will also be covered under the Scheme.

(ii) Project should provide assured market to farmers/producer groups.(iii) Project should encourage farmers to diversify into high value crops, to

increase farm incomes.(iv) Project should be accepted by Notified Financial Institution for grant of

term loan.(b) The quantum of SFAC Venture Capital Assistance will depend on the project

cost and will be the lowest of the following:26% of the promoter’s equity��

`�� 50.00 lakhs. Provided that for projects located in North-Eastern Region, Hilly States

(Uttarakhand, Himachal Pradesh, Jammu & Kashmir) and in all cases in any part of the country where the project is promoted by a registered Farmer Producers Organisation, the quantum of venture capital will be the lowest of the following:

40% of the promoter’s equity��

`�� 50.00 lakhs.

Operational Guidelines – Venture Capital Assistance Scheme for Agribusiness Development ,xzhfct+usl fodkl ds fy, m|e iwath lgk;rk ;kstuk & fn'kk funsZ'k,xzhfct+usl fodkl ds fy, m|e iwath lgk;rk ;kstuk & fn'kk funsZ'k 3

2- mn~ns';2-1 ;kstuk ds eq[; mn~ns'; bl izdkj gSa%

¼d½ Hkkjrh; fjtoZ cSad }kjk vf/klwfpr ,sls lHkh vfèklwfpr foÙkh; laLFkkvksa ftuesa dsanz@jkT; ljdkj dk 50 izfr'kr ls vf/kd LokfeRo gS tSls fd jk"Vªh;Ñr cSad] ,lchvkbZ vkSj blds lgk;d cSad] vkbZMhchvkbZ] flMch] ukckMZ] ,ulhMhlh] ,ubZMh,QvkbZ] ,fDte cSad] vkjvkjch rFkk jkT; foÙkh; fuxe bR;kfn ds lkFk utnhdh lg;ksx ls Ñf"k O;kikj m|eksa dh LFkkiuk esa lqfo/kk iznku djukA

¼[k½ Ñf"k O;kikj ifj;kstukvksa dh LFkkiuk esa futh fuos'k dks izsfjr djuk rFkk mlds }kjk xzkeh.k vk; o jkstxkj c<+kus ds fy, mRikndksa dks fuf'pr cktkj miyC/k djkukA

¼x½ mRikndksa ¼Ñ"kdksa½ ds lkFk Ñf"k O;kikj ifj;kstukvksa ds i'p&laidZ dks etcwr djukA¼?k½ fdlkuksa] mRiknd lewgksa rFkk Ñf"k Lukrdksa dks ifj;kstuk fodkl lqfo/kk ds ek/;e ls Ñf"k

O;kikj esa mudh lgHkkfxrk dks c<+kus es lgk;rk djukA¼³½ fu/kkZfjr Ñf"k ifj;kstukvksa dh LFkkiuk djus okys Ñf"k O;kikfj;ksa ds izf'k{k.k rFkk Hkze.k dk

izca/k djukA¼p½ jkT; ,oa dsUnzh; ,l,Q,lh ds ekStwnk ra= dks c<+kuk ,oa etcwr djukA

3- ;kstuk dh eq[; fo'ks"krk,a3-1 m|e iawth lgk;rk ifj;kstuk dks foÙk iznku djus okyh vfèklwfpr foÙkh; laLFkk dh flQkfj'kksa ds vkèkkj ij ,l,Q,lh]

lQy ifj;kstukvksa dks m|e iwath lqyHk djk,xh A ;g m|e iwath] foÙkh; lgk;rk djus okyh vfèklwfpr foÙkh; laLFkk ds lkof/kd _.k dks ewy vuqlwph ds vuqlkj ;k mlls igys okilh ds ckn] ,l,Q,lh dks okil ykSVk;h tkuh gSA

3-1-1 ,l,Q,lh fuEukafdr 'krks± dks iwjk djus ij ifj;kstuk ykxr ds lkis{k foÙkh; lzksrksa ls miyC/k /ku esa deh dks iwjk djus ds fy, vklku _.k ds :i esa Ñf"k O;kikj ifj;kstukvksa dks m|e iwath lqyHk djk,xk%

¼d½ vgrZrk izkIr ifj;kstukvksa ds v/khu m|e iwath%(i) ifj;kstuk Ñf"k ;k mlls tqM+s {ks=ksa ;k Ñf"k lsokvksa ls lacafèkr {ks= esa gksuh

pkfg,A fdUrq eqxhZ ikyu rFkk nqX/k ifj;kstuk,a Hkh bl ;kstuk ds vUrxZr lfEefyr gksxhA

(ii) ifj;kstuk esa Ñ"kdksa@mRiknd lewgksa ds fy, fuf'pr cktkj dh O;oLFkk gksA(iii) ifj;kstuk ls Ñ"kdksa dks mudh Ñf"k vk; c<+kus ds fy, mPp ewY; dh Qlyksa dh

vksj c<+kok feyuk pkfg,A(iv) ifj;kstuk] lkof/kd _.k çkfIr ds fy, vfèklwfpr foÙkh; laLFkkvksa ls LohÑr

gksuh pkfg,A

¼[k½ ,l,Q,lh m|e iwath lgk;rk dh ek=k ifj;kstuk ykxr ij fuHkZj djsxh rFkk fuEukuqlkj U;wure gksxh%

izeksVj ¼izorZd½ dh bfDoVh dk 26 izfr'kr��

`�� 50-00 yk[k

iwoksZÙkj {ks= ,oa igkM+h jkT;ksa ¼fgekpy çns'k] tEew ,oa d'ehj vkSj mÙkjk[kaM½ esa Ñf"k O;kikj ifj;kstukvksa rFkk vU; lHkh ekeyksa esa ns'k ds fdlh vU; Hkkx esa tgka ifj;kstuk dk çorZu fdlh iathÑr fdlku mRiknd laxBu }kjk fd;k tk,xk m|e iwath dh jkf'k fuEukuqlkj U;wure gksxh%


`�� 50-00 yk[k


The cost of proposed agribusiness project would have to be 15 lakh & above, subject to a maximum of `500 lakh. However, projects valuing `10 lakh and above, proposed to be located in backward districts as notified by Planning Commission, hilly and North-Eastern States could also be considered for PDF and VCA.

(c) The Executive Committee of SFAC will have the power to consider projects for higher Venture Capital Assistance provided :1. Provision for higher VCA has been appraised and approved by sanctioning

authority of term loan subject to maximum of `3.00 Crore.2. Total cost of the project not more than `10.00 Crore.3. Projects are located in the North Eastern Region (NER) and other difficult

pre-identified districts declared backward by Planning Commission’s Backward Regions Grant Fund Scheme.

(d) Beneficiary will submit the project proposal in the form of DPR to area lending Notified Financial Institution.

(e) On receipt of project proposal, Notified Financial Institution will appraise, assess and sanction requisite amount of term loan/working capital required by the beneficiary for execution of the project.

(f) Notified Financial Institution will also work out the amount of Venture Capital, as per criteria laid down at para 3.1.1. (a, b & c) and communicate it to SFAC with its recommendation.

(g) SFAC will make said amount available to the recommending Notified Financial Institution on case to case basis for disbursement to the beneficiary either in lump sum or in stages, as may be considered appropriate by the Notified Financial Institution.

(h) Term Loan/working capital and loan amount from SFAC as Venture Capital will be extended to the beneficiary through a single-window by the project financing Notified Financial Institution.

(i) Due date for refund of VCA to SFAC and end date of term loan as per original repayment schedule fixed by the bank at the time of sanction of term loan remains the same e.g. in case bank fixes end date of its term loan as 31.03.2020 then VCA will also be due for refund on the same date i.e. 31.03.2020.

(j) In case the borrower is unable to repay the Venture Capital amount in lump sum immediately after repayment of bank’s term loan, he/she will have the option to repay the entire amount of VCA together with accrued amount of interest in 4 quarterly instalments within a year from original due date. The rate of interest in this regard will be the same as charged by the lending bank on its term loan.

(k) During the pendency of loan, the Notified Financial Institution will have charge over the primary/collateral securities (including FDR) available with the beneficiary and the said securities will not be released by bank to beneficiary or other institutions till full refund of VCA to SFAC.

(l) The Notified Financial Institution will provide SFAC with full details of the terms and conditions under which the term loan is sanctioned including a copy of process/appraisal note duly signed by sanctioning authority of term loan and repayment schedule fixed for the term loan.

(m) The Notified Financial Institution will also keep SFAC posted of the progress in implementation of the project and repayment of its term loan from time to time and its performance on yearly basis after the project becomes operational.

(n) The funds received from SFAC will be kept in a separate account by the Notified Financial Institution and released to promoters for the project implementation, as and when required.

(o) Agribusiness promoters may also avail Venture Capital Assistance for second time after refund of first Venture Capital Assistance as per original schedule. However, second time VCA will be for creation of additional capacity in the same activity or for a different activity.


izLrkfor Ñf"k O;kikj ifj;kstuk dh ykxr `15 yk[k ls vf/kd rFkk vf/kdre `500 yk[k rd gksxhA rFkkfi] `10 yk[k ;k blls vf/kd ewY; dh ifj;kstukvksa dks tks fd ;kstuk vk;ksx] ioZrh; vkSj iwoksZÙkj jkT;ksa }kjk vf/klwfpr fiNM+s ftyksa esa fLFkr gksa ij Hkh ihMh,Q rFkk ohlh, ds fy, fopkj fd;k tk ldrk gSA

¼x½ ,l,Q,lh dh dk;Zdkjh lfefr ds ikl fuEufyf[kr izko/kkuksa ds vuqlkj vf/kd m|e iwath lgk;rk ds fy, ifj;kstukvksa ij fopkj djus dk vf/kdkj gksxk%1- vf/kd ohlh, ds fy, izko/kku dks fe;knh _.k ¼VeZ yksu½ LohÑr djus okys

izkfèkdkjh }kjk mldk ewY;kadu vkSj vuqeksnu fd;k gks vkSj bldh vf/kdre jkf'k `3-00 djksM+ ds Hkhrj gksA

2- ifj;kstuk dh dqy ykxr `10-00 djksM+ ls vf/kd u gksA3- ifj;kstuk iwoksZÙkj {ks= ¼,ubZvkj½ esa fLFkr gks rFkk ;kstuk vk;ksx ds fiNM+s {ks=

vuqnku QaM ;kstuk }kjk bl {ks= dks vU; iwoZ&fpUgkafdr vlqxe ftyk ?kksf"kr fd;k x;k gksA

¼?k½ Ñf"k m|eh viuh ifj;kstuk ds izLrko dks foLr`r ifj;kstuk izfrosnu ¼Mhihvkj½ ds :i esa vius {ks= ds vfèklwfpr foÙkh; laLFkk ds lEeq[k izLrqr djsaxsaA

¼³½ ifj;kstuk izLrko dh izkfIr ds ckn vfèklwfpr foÙkh; laLFkk ifj;kstuk ds dk;kZUo;u ds fy, okafNr lkofèkd _.k@dk;Zxr iwath dh vkosfnr jkf'k dk ewY;kadu] fo'ys"k.k rFkk LohÑr djsaxsaA

¼p½ vfèklwfpr foÙkh; laLFkk iSjk 3-1-1 ¼d] [k vkSj x½ esa of.kZr ekinaMksa ds vuqlkj] m|e iwath dh jkf'k Hkh r; djsxk rFkk blds ckjs esa viuh flQkfj'kksa lfgr ,l,Q,lh dks voxr djk,xkA

¼N½ ,l,Q,lh lEcfU/kr ifj;kstuk esa flQkfj'k djus okys vfèklwfpr foÙkh; laLFkk dks jkf'k miyC/k djk,xkA vfèklwfpr foÙkh; laLFkk ;g jkf'k m|eh dks ,d eq'r ;k fdLr esa] tSlk mfpr le>s] forfjr djsxkA

¼t½ m|e iwath ds :i esa lkof/kd _.k@dk;Zxr iwath rFkk _.k dh jkf'k ifj;kstuk dks foÙk&iks"k.k djus okys vfèklwfpr foÙkh; laLFkk ls gh ,dy&f[kM+dh dh jhfr ls m|eh dks nh tk,xhA

¼>½ osapj dSfiVy lgk;rk ¼ohlh,½ dh ,l,Q,lh dks okilh dh ns; frfFk rFkk fe;knh&_.k dh eatwjh ds le; cSad }kjk fuèkkZfjr ewy iquHkqZxrku vuqlwph ds vuqlkj fe;knh&_.k dh vafre frfFk leku jgrh gS mnkgj.k ds fy, cSad us ;fn 31&03&2020 dks vius fe;knh&_.k dh vafre rkjh[k fuèkkZfjr dh gS rks ohlh, dh okilh Hkh mlh rkjh[k vFkkZr 31&03&2020 dks ns; gksxhA

¼´½ ;fn cSad ds fe;knh&_.k ds iquHkqZxrku ds rqjar i'pkr dtZnkj ,deq'r osapj dSfiVy jkf'k pqdkus esa vleFkZ gS rks ,slh fLFkfr esa mlds ikl ewy ns; frfFk ds ,d o"kZ ds Hkhrj 4 frekgh fdLrksa esa vftZr O;kt dh jkf'k lfgr ohlh, dh iwjh jkf'k pqdkus dk fodYi gksxkA bl ckjs esa O;kt dh nj ogh gksxh tks fd _.knkrk cSad }kjk fe;knh&_.k ds fy, C;kt dh nj fuèkkZfjr dh xbZ gSA

¼V½ _.k ds yafcr jgus ds nkSjku ykHkkFkhZ ds ikl miyC/k izkFkfed@_.kk/kkj izfrHkwfr;ksa ¼,QMhvkj lfgr½ ij vfèklwfpr foÙkh; laLFkk dk vf/kdkj gksxk rFkk ohlh, dh ,l,Q,lh dks iwjh jkf'k dh okilh rd bu izfrHkwfr;ksa ¼flD;qfjVht½ dks ykHkkFkhZ ;k vU; fdlh laLFkk ds uke ij tkjh ugha fd;k tk ldsxkA

¼B½ vfèklwfpr foÙkh; laLFkk VeZ yksu ¼fe;knh _.k½ LohÑr djus okys izkf/kdkjh }kjk fofèkor gLrk{kfjr izfØ;k@ewY;kadu uksV dh ,d izfr rFkk fe;knh _.k ds iquHkqZxrku dh le;&lkfj.kh lfgr mu 'krksZa vkSj n'kkvksa dk ftuds v/khu ;g fe;knh _.k LohÑr dh x;h gS dk iw.kZ fooj.k ,l,Q,lh dks nsxhA

¼M½ vfèklwfpr foÙkh; laLFkku ,l,Q,lh dks le;≤ ij ifj;kstuk ds dk;ZUo;u dh izxfr o vius lkof/kd _.k ds iwoZHkqxrku dh fLFkfr rFkk ifj;kstukvksa ds pkyw gks tkus ds ckn okf"kZd vk/kkj ij blds dk;Zfu"iknu ds ckjs esa Hkh voxr djkrs jgsaxsA

¼<½ vfèklwfpr foÙkh; laLFkk ,l,Q,lh ls izkIr /kujkf'k dk ,d vyx [kkrk j[ksxk rFkk vko';drk iM+us ij ifj;kstuk ds dk;kZUo;u ds fy, çorZdksa dks blesa ls jkf'k tkjh djsxkA


3.2 Project Development Facility (a) SFAC will provide financial support to farmers, Producer Groups, Agripreneurs, Units

in Agri-Export Zones, and Agriculture graduates (called beneficiary) in the preparation of bankable Detailed Project Reports (DPR) through empanelled consultants/institutions. SFAC will provide for the cost of preparation of DPR depending upon the financial status of the agripreneur, size, location, activity and coverage on a case to case basis.

(b) The beneficiary desirous of seeking assistance for preparation of DPR can approach the nearest empanelled consultant of the district in consultation with Notified Financial Institution along with the details /pre-feasibility of the proposed project for the recommendation of the Notified Financial Institution or SFAC at the State or Central level.

(c) The Notified Financial Institution on being satisfied about the feasibility of the intending project will recommend it to SFAC for providing financial assistance for the preparation of DPR. Intending projects must be over `15 lakhs (`10 lakhs in projects located in backward district of States notified by Planning Commission, North Eastern States and other hilly States i.e. H.P., J&K and Uttarakhand) in size.

(d) Based on the activity and location of the project, SFAC will entrust preparation of DPR to one of the consultants on its panel.

(e) SFAC will release cost of DPR preparation to the empanelled consultant.

(f) The schedule of fee payable to empanelled consultants under Venture Capital Assistance Scheme for Agribusiness Development is summarized below:

category-I : (Project size between `10.00 lakh to `25.00 lakh) total fee : `25000.00 (Rupees Twenty Five Thousand Only).

category-II : (Project size above `25.00 lakh and upto ` 1.00 Crore) total fee : `50000.00 (Rupees Fifty Thousand Only).

category-III : (Project size above `1.00 Crore and upto `3.00 Crore) total fee : `75000.00 (Rupees Seventy Five Thousand Only).

category-Iv : (Project size above `3.00 Crore and upto `5.00 Crore), total fee : `100000.00 (Rupees One Lakh Only).

terms of payment of all categories: The fee will be paid to empanelled consultants in three stages:

(i) 20% after submission of DPR and other documents to the bank. (ii) 40% after sanction of term loan by Notified Financial Institution with provision

of VCA. (iii) 40% after sanction and disbursement of VCA by SFAC.

(g) The DPR received from SFAC or directly from the consultant will be examined in detail by the lending Notified Financial Institution for sanction of term loan and release of venture capital. A copy of the term loan sanction advice to the borrower will also be addressed to SFAC for its record.

(h) Financial assistance to State SFACs for undertaking promotional activities for agribusiness development, training and visits etc. of entrepreneurs setting up the identified Agribusiness projects will also be provided under PDF.

(i) Project Development Facility may be utilized to engage the services of State SFACs, State Agricultural Universities and others and/or any other competent agency/firm/consultant to vigorously publicize the benefits of the Venture Capital Scheme to prospective entrepreneurs and producer organizations.


¼.k½ ewy vuqlwph ds vuqlkj m|e iwath lgk;rk dh igyh fd'r ds iquHkqZxrku ds Ik'pkr Ñf"k O;kikj izorZd nwljh ckj ds fy, m|e iwath lgk;rk dk ykHk ys ldrs gSaA gkykafd] nwljh ckj ;g ohlh, mlh fØ;kdyki esa vfrfjDr {kerk ds fuekZ.k ;k fdlh vU; xfrfof/k ds fy, gksxkA

3-2 ifj;kstuk fodkl lqfo/kk ¼d½ ,l,Q,lh lwphc) ijke'kZnkrkvksa@laLFkkvksa ds ek/;e ls cSad esa izLrqr dh tkus okyh foLrr

ifj;kstuk izfrosnuksa dks rS;kj djkus esa Ñ"kdksa] mRiknd lewgksa] Ñf"k m|fe;ksa] Ñf"k&fu;kZr {ks=ksa esa bdkb;ksa] rFkk Ñf"k Lukrd ¼ftUgsa ykHkHkksxh dgk x;k gS½ dks foÙkh; lgk;rk lqyHk djk,xkA Mhihvkj rS;kj djus dh ykxr ,l,Q,lh lqyHk djk,xh rFkk ;g izR;sd ekeys ds vuqlkj Ñf"k m|fe;ksa dh foÙkh; fLFkfr] vkdkj] vofLFkfr xfrfof/k rFkk blds foLrkj ij fuHkZj djsxhA

¼[k½ Mhihvkj rS;kj djus esa lgk;rk ds bPNqd ykHkkFkhZ vfèklwfpr foÙkh; laaLFkk ;k jkT; vFkok dsUæh; Lrj ij ,l,Q,lh dh vuq'kalk gsrq çLrkfor ifj;kstuk ds iw.kZ fooj.k@iwoZ O;ogk;Zrk lfgr vfèklwfpr foÙkh; laLFkk ds ijke'kZ ls ftys ds utnhdh iSuy lykgdkj ls foe'kZ dj ldrs gSaA

¼x½ bPNqd ifj;kstuk dh O;ogk;Zrk ds ckjs esa larq"V gksus ij vfèklwfpr foÙkh; laLFkk] Mhihvkj dks rS;kj djus ds fy, foÙkh; lgk;rk gsrq bls ,l,Q,lh dks HkstsxhA bPNqd ifj;kstuk vkdkj esa `15 yk[k ¼;kstuk vk;ksx] iwoksZÙkj jkT;ksa rFkk vU; ioZrh; jkT;ksa tSls fgekpy çns'k] tEew vkSj d'ehj] mÙkjk[kaM }kjk vf/klwfpr fiNM+s ftyksa esa fLFkr ifj;kstukvksa ds fy, `10 yk[k½ rd gksuh pkfg,A

¼?k½ ifj;kstuk dh xfrfof/k rFkk fLFkfr ds vk/kkj ij] ,l,Q,lh vius ijke'kZdksa esa ls fdlh ,d dks Mhihvkj rS;kj djus dk dk;Z nsxkA

¼³½ ,l,Q,lh Mhihvkj rS;kj djus dh ykxr ijke'kZd dks voeqDr djsxkA¼p½ Ñf"k O;kikj fodkl ds fy, osapj dSfiVy lgk;rk ;kstuk ds rgr iSuy esa 'kkfey lykgdkjksa

dks ns; 'kqYd dh vuqlwph la{ksi esa fuEu gSa%

Js.kh&I% ¼`10-00 yk[k ls `25-00 yk[k rd dh ifj;kstuk ds fy,½ dqy 'kqYd% `25]000-00 ¼:i, iPphl gtkj ek=½A

Js.kh&II: ¼`25-00 yk[k ls vfèkd rFkk `1-00 djksM+ rd dh ifj;kstuk ds fy,½ dqy 'kqYd% `50]000-00 ¼:i, ipkl gtkj ek=½A

Js.kh&III: ¼`1-00 djksM+ ls vfèkd rFkk `3-00 djksM+ rd dh ifj;kstuk ds fy,½ dqy 'kqYd% `75]000-00 ¼:i, ipgÙkj gtkj ek=½A

Js.kh&Iv: ¼`3-00 djksM+ ls vfèkd vkSj ` 5-00 djksM+ rd dh ifj;kstuk ds fy,½ dqy 'kqYd% `100]000-00 ¼,d yk[k :i, dsoy ek=½A

lHkh Jsf.k;ksa dks Hkqxrku dh 'krs±% iSuy lykgdkj dks 'kqYd rhu pj.kksa esa Hkqxrku fd;k tk,xk%

¼i½ cSad dks Mhihvkj vkSj vU; nLrkostksa dks çLrqr djus ds ckn 20 çfr'kr HkqxrkuA ¼ii½ ohlh, ds çkoèkku lfgr vfèklwfpr foÙkh; laLFkk }kjk fe;knh _.k dh eatwjh ds ckn 40 çfr'krA ¼iii½ _.k dh eatwjh rFkk ,l,Q,lh }kjk ohlh, ds forj.k ds ckn 40 çfr'krA

¼N½ _.knkrk vfèklwfpr foÙkh; laLFkk] lkof/kd _.k dh LohÑfr rFkk m|e iwath tkjh djus ds fy, ,l,Q,lh ;k ijke'kZd ls lh/ks :i esa izkIr Mhihvkj dh foLr`r tkap djsxkA _.kh dks nh tkus okys lkof/kd _.k LohÑfr i= dh ,d izfr] ,l,Q,lh dks Hkh fjdkMZ ds fy, Hksth tk,xhA

¼t½ Ñf"k O;kikj fodkl ds fy, izf'k{k.k rFkk m|fe;ksa ds nkSjksa rFkk fpUgkafdr Ñf"k O;kikj ifj;kstukvksa ds xBu ds fy, jkT; ,l,Q,lh dks c<+rs fØ;kdykiksa dks lapkfyr djus ds fy, Hkh ihMh,Q ds varxZr foÙkh; lgk;rk iznku dh tk,xhA

¼>½ ,l,Q,lh viuh ifj;kstuk fodkl lqfo/kk dk mi;ksx jkT; ,l,Q,lh] jkT; Ñf"k fo-fo- rFkk vU;ksa dh lsok ysus esa fd;k tk,xk rkfd laHkkfor m|fe;ksa rFkk mRiknd laxBuksa ds fy, m|e iwath lgk;rk ds ykHkksa dk tksjnkj rjhds ls izpkj&izlkj fd;k tk ldsA


4. elIgIble PersonsAssistance under the Scheme will be available to Individuals; Farmers; Producer Groups; Partnership/Proprietary Firms; Self Help Groups; Companies; Agripreneurs; units in agri-export zones, and Agriculture graduates Individually or in groups for setting up agribusiness projects.

For professional management and accountability the groups have to preferably form into companies or producer companies under the relevant Act.

5. role of central sfac(a) On receipt of proposal from Notified Financial Institution indicating sanction of term loan

and requirement of VCA; SFAC will submit the proposal to its Investment Committee for approval. Field visits shall be conducted by SFAC or its authorized representatives for evaluation and linkages with farmers etc.

(b) SFAC after seeking approval of its Investment Committee and sanction by its Managing Director will release VCA to the Notified Financial Institution.

(c) SFAC will seek approval of its Executive Committee in cases where higher Venture Capital Assistance is proposed to be considered.

(d) Project Development Facility could be utilized to inspect such proposals, which may include site visits, referred by Notified Financial Institution needing clarification to determine if projects are qualifying or not and report back to Notified Financial Institution within 30 days of receipt of reference.

(e) Central SFAC will strengthen the State SFACs and financially assist them in undertaking promotional activities, campaigns, printing of guidelines in local languages; identification of qualifying projects and in organizing producer groups.

(f) SFAC will have Memorandum of Understanding (MOU) with all financial institutions notified by the Reserve Bank of India where the ownership of Central/State Government is more than 50% such as Nationalized banks, SBI & its subsidiaries, IDBI, SIDBI, NABARD, NCDC, NEDFi, Exim Bank, RRBs & State Financial Corporations.

(g) SFAC will have a separate agreement with the applicant for facilitating the recovery of its loan amount extended under Venture Capital assistance.


4- ik= ykHkkFkhZbl ;kstuk ds vUrxZr O;fDr;ksa] Ñ"kdksa] mRiknd lewgksa] lk>snkj@Lokeh Qeks±] Lo&lgk;rk lewgksa] dEifu;ksa] Ñf"k m|fe;ksa Ñf"k&fu;kZr {ks=ksa esa bdkb;ksa rFkk Ñf"k Lukrd O;fDrxr :i ls ;k lewgksa dks lgk;rk miyC/k jgsxhA

O;kolkf;d izca/ku rFkk tokcnsgh ds fy, lewgksa dks vf/kekur% lacaf/kr vf/kfu;e ds vUrxZr dEifu;k¡ ;k mRiknd dEifu;k¡ cukuk gksxkA

5- dsUnzh; ,l,Q,lh dh Hkwfedk¼d½ vfèklwfpr foÙkh; laLFkk }kjk izLrko izkIr gksus ij ftlesa fe;knh _.k dh LohÑfr rFkk ohlh, dh ekax

dk ftØ gks] ,l,Q,lh bl izLrko dks viuh fuos'k lfefr dks vuqeksnu ds fy, HkstsxkA ,l,Q,lh ;k blds vf/kÑr izfrfuf/k }kjk ewY;kadu vkSj fdlkuksa ls lEidZ ds fy, QhYM nkSjk fd;k tk,xkA

¼[k½ viuh fuos'k lfefr ls lgefr rFkk izca/k funs'kd ls LohÑfr ds i'pkr~ ,l,Q,lh vfèklwfpr foÙkh; laLFkk dks m|e iwath tkjh dj nsxkA

¼x½ ,sls ekeys ftuesa vf/kd m|e iwath lgk;rk ij fopkj djus dk izLrko j[kk x;k gks] ,l,Q,lh ds fy, viuh dk;Zdkjh lfefr dh LohÑfr ysuk vfuok;Z gksxkA

¼?k½ vfèklwfpr foÙkh; laLFkk }kjk lanfHkZr oSls izLrko ftuds laca/k esa ;g lqfuf'pr djus ds fy, dh ifj;kstuk,sa vgrZrk j[krh gS ;k ugha] Li"Vhdj.k vko';d gks] dh tkap ds fy;s ifj;kstuk fodkl lqfo/kk dk mi;ksx fd;k tk ldrk gS vkSj lanHkZ izkIr gksus ds ckn 30 fnuksa ds Hkhrj vfèklwfpr foÙkh; laLFkk dks fjiksVZ nsuh gksxhA

¼³½ dsUnzh; ,l,Q,lh jkT;ksa dh ,l,Q,lh dks etcwr cuk,¡xh rFkk mUgsa lao)ZukRed xfrfof/k;ksa] vfHk;kuksa] LFkkuh; Hkk"kk esa fn'kk&funsZ'kksa dk eqnz.k] vgrZ ifj;kstukvksa dh igpku rFkk mRiknd lewgksa ds laxBu vkfn gsrq foÙkh; lgk;rk nsxhA

¼p½ ,l,Q,lh dk Hkkjrh; fjtoZ cSad }kjk vf/klwfpr ,slh lHkh foÙkh; laLFkkvksa ds lkFk ,d le>kSrk Kkiu ¼,evks;w½ gksxk ftlesa dsanz@jkT; ljdkj ds 50 izfr'kr ls vf/kd dk LokfeRo gks tSls fd jk"Vªh;Ñr cSad] ,lchvkbZ vkSj blds lgk;d cSad] vkbZMhchvkbZ] flMch] ukckMZ] ,ulhMhlh] ,ubZMh,QvkbZ] ,fDte cSad] vkjvkjch rFkk jkT; foÙkh; fuxe vkfnA

¼N½ ,l,Q,lh m|e iwath lgk;rk ds vUrxZr nh xbZ viuh _.k jkf'k dh olwyh ds fy, vkosnd ds lkFk vyx ls ,d djkjukek djsxhA


6. role of state sfacs(a) To aggressively promote agribusiness project development in their respective States as

an extended arms of Central SFACs.

(b) State SFACs in consultation with Central SFAC will prepare a plan for agribusiness project development in their respective States.

(c) State SFACs after due diligence and ascertaining the backward linkages as per the objectives will recommend agribusiness projects to Central SFAC for venture capital.

(d) State SFACs, with the assistance under PDF facility from Central SFAC, will organize awareness and Entrepreneurship Training & Development Camps, Publicity Campaigns, for setting up identified projects. State SFACs, will undertake promotional activities and organize producer group’s seminar/meeting etc. State SFACs may get published guidelines, brochures, pamphlets and posters etc. of VCA scheme in local languages. They may use other means of advertisement to get wider publicity for the scheme at the cost of Central SFAC.

(e) Help producer groups in framing pre-feasibility reports and facilitate interaction with local Notified Financial Institutions for their recommendation.

(f) Function as repositories of information maintaining a data base of potential areas, producer groups and marketable surplus of various crops available.

(g) Provide venture capital to small projects out of interest earned on the Corpus fund and refer large projects to Central SFAC.

(h) As a member of SLBC, raise the issues concerning agribusiness project development in their respective States during the SLBC meetings and organize awareness camps in coordination with local Banks/State Government.

(i) Monitor the projects assisted through VCA facility in implementation stage and intimate developments/deficiencies to Central SFAC for initiating remedial action.

(j) The State SFAC in coordination with the State agencies and lending banks shall assist Central SFAC in recovery of VCA in cases where the beneficiaries of VCA have not refunded the venture capital as per the original schedule.


6- jkT;ksa dh ,l,Q,lh dh Hkwfedk¼d½ vius&vius jkT;ksa esa dsanzh; ,l,Q,lh ds lg;ksxh ds rkSj ij Ñf"k O;kikj ifj;kstukvksa dks rsth

ls c<+kukA

¼[k½ jkT;ksa dh ,l,Q,lh vius ls lacaf/kr jkT;ksa esa Ñf"k O;kikj ifj;kstuk fodkl ds fy, dsUnzh; ,l,Q,lh ds lkFk feydj ,d ;kstuk rS;kj djsaxsaA

¼x½ jkT; ,l,Q,lh iwjs foosdiw.kZ fopkj rFkk mn~ns';ksa ds vuq:i] i'p&laidZ dk fu/kkZj.k djus ds i'pkr m|e iwath ds fy, mu Ñf"k O;kikj ifj;kstukvksa dh dsUnzh; ,l,Q,lh ls flQkfj'k djsxhA

¼?k½ dsanzh; ,l,Q,lh ls feyh ihMh,Q lqfo/kk ds rgr izkIr lgk;rk ls jkT; ,l,Q,lh fpUgkafdr ifj;kstukvksa ds xBu ds fy, tkx:drk rFkk m|ferk izf'k{k.k ,oa fodkl dSEi] izpkj vfHk;ku dk vk;kstu djsaxsA jkT; ,l,Q,lh mUur xfrfof/k;ksa dk lapkyu djsxh rFkk mRiknd oxZ ds fy, laxks"Bh@cSBdsa vkfn vk;ksftr djsxhA jkT; ,l,,Qlh LFkkuh; Hkk"kkvksa esa ohlh, ;kstuk ds fn'kk funsZ'kksa] czks'kj] iSEQysV rFkk iksLVj vkfn dks izdkf'kr djsxhA

¼³½ iwoZ&laHkkO;rk izfrosnuksa dks cukus esa mRiknd lewgksa dh lgk;rk djuk rFkk mUgsa laLrqr fd, tkus ds fy, LFkkuh; cSadksa ds lkFk laidZ lqyHk djokukA

¼p½ lwpukvksa ds laxzgd ds :i esa dk;Z djuk tSls laHkkfor {ks=ksa] mRiknd lewgksa rFkk fofHkUu Qlyksa ds foi.ku ;ksX; miyCèk vkfèkD; dh vk/kkjHkwr lwpuk,a j[kukA

¼N½ laxzfgr dks"k ij vftZr C;kt esa ls NksVh ifj;kstukvksa dks m|e iwath lqyHk djkuk rFkk cM+h ifj;kstukvksa dks dsanzh; ,l,Q,lh dks vxzsf"kr djukA

¼t½ ,l,ychlh ds ,d lnL; ds :Ik essa] bldh cSBdksa ds nkSjku vius jkT; esa Ñf"k O;kikj ifj;kstuk ds fodkl ls lacaf/kr eqn~nksa dks mBk,axh vkSj LFkkuh; cSadksa@jkT; ljdkj ds lkFk feydj tkx:drk dSEi yxk,xhA

¼>½ dk;kZUo;u Lrj esa ohlh, lqfo/kk ds ek/;e ls lgk;rk izkIr ifj;kstukvksa dh fuxjkuh djuk rFkk bldh izxfr@dfe;ksa dks dsanzh; ,l,Q,lh dks lwfpr djuk rkfd mipkjkRed dk;Zokgh izkjaHk dh tk ldsA

¼´½ jkT; ,l,Q,lh jkT; ,tsafl;ksa rFkk dtZ nsus okys cSadksa ds lg;ksx ls ,sls ekeyksa esa dsanzh; ,l,Q,lh dks olwyh esa lgk;rk djsaxs tgka ohlh, ds ykHkkFkhZ us ewy vuqlwph ds vuqlkj m|e iwath dks okil u fd;k gksA


7. role of agrIPreneursFor the success of the Venture, the agribusiness projects should be grounded within a predetermined time schedule as fixed in the sanction of term loan:(a) The entrepreneur/promoter will provide an undertaking to the Notified Financial Institution

to hold charge on the primary and collateral securities including FDRs till full repayment of VCA to SFAC. The entrepreneur/promoter will also enter into an agreement with SFAC for extending charge in favour of SFAC on all the securities (primary and collateral including FDRs) charged by the Notified Financial Institution against their term loan/other facilities after repayment of their Term Loan till full repayment of VCA to SFAC.

(b) Agripreneurs will submit implementation schedule of the Project to SFAC and participating Notified Financial institution which will be closely monitored by SFAC.

(c) Deviation, if any, in the implementation schedule should be immediately notified to the concerned lending Notified Financial Institution and to SFAC.

(d) Agripreneurs will submit Utilization Certificate of Venture Capital Assistance in GFR 19 A duly certified by Chartered Accountant to SFAC and the participating Notified Financial Institutions.

(e) Agripreneurs will submit yearly physical progress reports, yearly balance confirmation, audited accounts and balance sheet to SFAC and the participating Notified Financial Institutions.

(f) The agripreneurs while availing venture capital will have to provide an affidavit to SFAC that they have not availed of VC earlier in any capacity.

8. elIgIble fInancIng InstItutIonsAll Notified Financial Institutions notified by the Reserve Bank of India where the ownership of the Central/State Government is more than 50% such as nationalised banks, SBI & its Subsidiaries, IDBI, SIDBI, NABARD, NCDC, NEDFi, RRBs & State Financial Corporations.

9. monItorIng and rePortIngWith a view to minimize paper work and ensure that SFAC is provided with all the relevant details of individual projects financed by the Notified Financial Institutions with Venture Capital support provided by SFAC, units assisted for preparation of DPR, and also progress in project implementation from time to time, the following reporting schedule will be observed:(a) report on util ization of venture capital (vc)/Project development

facility (Pdf)The Notified Financial Institution will report each disbursement made by them in respect of VC out of the funds received from SFAC. A report on progress in project implementation vis a vis utilization of venture capital fund already given to the party through Notified Financial Institution under VC would also be sent to SFAC.

(b) report on the working of assisted unitsThe Notified Financial Institution will submit a report on the working of the units financed by them under VC to SFAC on a half yearly basis indicating whether the operations are in line with the projections and whether the borrowers are adhering to repayment commitments.

(c) reporting of exceptionsThe Notified Financial Instituition will also keep SFAC informed of any proposal of rephasement of their Term Loan and will seek SFAC consent before implementing such rephasement. However, any proposal for rephasement of Banks Term Loan and VCA simultaneously, SFAC’s prior permission is mandatory. The entrepreneur will not be eligible for any rephasement of VCA at a later date in case permission has not been sought by bank at the time of rephasement of term loan. However, the request for rephasement of VCA can be exercised by Notified Financial Institution/Promoters only once.


7- Ñf"k m|fe;ksa dh Hkwfedkm|e dh lQyrk ds fy,] Ñf"k O;kikj ifj;kstuk dks lkof/kd _.k dh LohÑfr esa fu/kkZfjr le; lhek ds Hkhrj LFkkfir fd;k tkuk pkfg,%¼d½ m|eh@izorZd bl ckr ds fy, cpuc) gksxsas a fd ,l,Q,lh dks ohlh, ds iw.kZ Hkqxrku gksus

rd ,QMhvkj lfgr izkFkfed rFkk tekurh izfrHkwfr;ksa dk vf/kdkj vfèklwfpr foÙkh; laLFkkvksa ds ikl jgsxkA m|eh@izorZd] ,l,Q,lh ds lkFk ;g djkj Hkh djsaxs fd ohlh, dh ,l,Q,lh dks muds lkof/k _.k ds iw.kZ Hkqxrku rd muds lkof/k _.k@vU; lqfo/kkvksa ds izfr vfèklwfpr foÙkh; laLFkk }kjk izHkkfjr lHkh izdkj dh izfrHkwfr;ksa ¼izkFkfed rFkk ,QMhvkj lfgr tekurh izfrHkwfr;ka½ ,l,Q,lh ds i{k esa gksaxhA

¼[k½ Ñf"k m|fe;ksa dks ifj;kstuk dh dk;kZUo;u ;kstuk ,l,Q,lh rFkk lgHkkxh cSad@_.knkrk laLFkk ds lEeq[k izLrqr djuh gksxh ftl ij ,l,Q,lh dM+h fuxjkuh j[ksxhA

¼x½ dk;kZUo;u&;kstuk esa cnyko] ;fn dksbZ gS rks] ds ckjs esa _.knkrk vfèklwfpr foÙkh; laLFkk rFkk ,l,Q,lh dks vfoyac lwfpr djuk gksxkA

¼?k½ Ñf"k m|fe;ksa dks pkVZM ,dkmVsaV ds }kjk fof/kor~ izekf.kr th,Qvkj 19&, izi= esa m|e iwath lgk;rk dk mi;ksx izek.ki= ,l,Q,lh rFkk lgHkkxh vfèklwfpr foÙkh; laLFkk ds lEeq[k izLrqr djuk gksxkA

¼³½ Ñf"k m|fe;ksa dks ,l,Q,lh rFkk lgHkkxh vfèklwfpr foÙkh; laLFkk ds lEeq[k okf"kZd vk/kkj ij HkkSfrd izxfr fjiksV~Zl] lkykuk 'ks"k izek.khdj.k] vadsf{kr ys[kk rFkk rqyu i= izLrqr djus gksaxsA

¼p½ m|e iwath izkIr djrs oDr Ñf"k m|eh bl vk'k; dk 'kiFk i= ,l,Q,lh dks nsaxs fd mUgksaus blds m|e iwath izkIr ugha dh gSA

8- ;ksX; foÙkh; laLFkk,alHkh vfèklwfpr foÙkh; laLFkkvksa ftUgsa Hkkjrh; fjtoZ cSad }kjk vf/klwfpr fd;k x;k gks vkSj ftuesa dsanz@jkT; ljdkj dk 50 izfr'kr ls vf/kd LokfeRo gks tSls jk"Vªh;Ñr cSad] ,lchvkbZ vkSj blds lgk;d cSad] vkbZMhchvkbZ] flMch] ukckMZ] ,ulhMhlh] ,ubZMh,QvkbZ] ,fDte cSad] vkjvkjch rFkk jkT; foÙkh; fuxe vkfnA

9- fuxjkuh rFkk izfrosnudkxth dkjokbZ dks de ls de djus rFkk ,l,Q,lh dks vfèklwfpr foÙkh; laLFkk }kjk foÙkiksf"kr] ,l,Q,llh ls m|e iawth izkIr izR;sd ifj;kstuk] Mhihvkj dh rS;kjh gsrq lgk;rk izkIr bdkbZ;ksa rFkk le;≤ ij ifj;kstuk fØ;kUo;u dh izxfr ls lacaf/kr vko';d fooj.kksa dh miyfC/k lqfuf'pr djokus gsrq fuEufyf[kr izfrosnu dk;ZØe dk vuqikyu fd;k tk,xk%

¼d½ m|e iwath ¼ohlh½@ifj;kstuk fodkl lqfo/kk ¼ihMh,Q½ ds mi;ksx ij izfrosnu

,l,Q,lh ls izkIr gksus okys dks"kks esa ls m|e iwath ds izR;sd forj.k dh fjiksVZ vfèklwfpr foÙkh; laLFkk nsxkA ifj;kstuk dk;kZUo;u esa izxfr ds lkFk&lkFk m|e iwath ds vUrxZr vfèklwfpr foÙkh; laLFkk ds ek/;e ls ikVhZ dks igys nh x;h m|e iwath jkf'k ds bLrseky ij fjiksVZ Hkh ,l,Q,lh dks Hksth tk,xhA

¼[k½ lgk;rk izkIr bdkb;ksa dh dk;Z iz.kkyh ij çfrosnu

vfèklwfpr foÙkh; laLFkk m|e iwath ds vUrxZr muds }kjk foÙk&iksf"kr bdkb;ksa dh dk;Z iz.kkyh ij v)Z&okf"kZd vkèkkj ij ,l,Q,lh dks fjiksVZ izLrqr djsxh ftlesa bl ckr dk mYys[k gksxk fd izpkyu iwoZ&fuèkkZfjr dk;ZØe ds vuqlkj gks jgk gS ;k ugha rFkk _.kh iwoZHkqxrku izfrc)rk ds vuqlkj Hkqxrku dj jgs gSa ;k ughaA

¼x½ vioknksa dh lwpukvfèklwfpr foÙkh; laLFkk vius lkof/k _.k ds izkoLFkk ¼fjQstesaV½ ds fdlh izLrko ds ckjs esa ,l,Q,lh dks Hkh lwfpr djsaxh rFkk ,slhs fdlh izkoLFkk dks fØ;kfUor djus ds iwoZ os ,l,Q,lh


(d) ProjectSpecificInformationIn addition to the above standard reporting by Notified Financial Institution, it would also provide SFAC with project specific information, if any, sought by it from time to time.

(e) field visitsAs part of due diligence, SFAC will through its officials or authorized representatives undertake field visits to ascertain backward linkages with the farmers, feasibility of the site, availability of raw material, etc.SFAC’s Officers/representatives will undertake field visits independently or in association with the lending Notified Financial Institution or State Government/State SFAC to monitor the implementation of the project.

(f) change of bank during currency of vcaEntrepreneur through their Lending Notified Financial Institution will obtain prior permission from the SFAC for change of bank. This facility can be availed by the promoter only once in the tenure of the Venture Capital Assistance.

(g) monitoring performance of the scheme at dac levelSFAC will submit to DAC a statement twice every year, giving a summary account of i) year-wise total number of projects and VCA amount sanctioned so far; ii) total number projects including the total amount of which recovery of VCA has become due and actual recovery as against the due amount of recovery; iii) details of default cases and the amount involved including action taken for recovery in such cases as also action taken for write off in critical cases, if any.

10. ImPlementatIon PerIodThe Scheme will be implemented during 2012-17 in the XII Plan with a central assistance of `500.00 Crores.

11. ImPlementIng agencyThe Scheme will be implemented by Small Farmers’ Agribusiness Consortium (SFAC), a registered society functioning under Department of Agriculture & Cooperation, Ministry of Agriculture.

12. general awareness, PublIcIty and traInIng ProgrammeServices of Notified Financial Institutions will also be engaged for sensitizing the officials of the Notified Financial Institutions and other functionaries about the Scheme. SFAC will undertake publicity through multiple media format to generate mass awareness about the Scheme, especially in States and regions which were under-served in the XI Plan.Services of banking institutions will also be engaged for sensitizing the Branch Managers and other functionaries about the Scheme.

13. Power to make amendments to the schemeWithin the overall financial ceiling of the Venture Capital Scheme, modification in operating procedures that are not of a financial nature may be made by DAC.


ls ijke'kZ ysaxhA rFkkfi] cSad ls lkof/k _.k ds izkoLFkk rFkk ohlh, dks mlh le; ysus ds fdlh izLrko ij ,l,Q,lh dh iwoZ vuqefr ysuk vfuok;Z gSA m|eh ckn dh frfFk esa ohlh, esa fdlh izdkj dk ifjorZu ekU; ugha gksxk ;fn lkof/k _.k ds ifjorZu ds le; cSad }kjk bldh vuqefr ugha yh xbZ gksA gkykafd] vfèklwfpr foÙkh; laLFkkvksa@izorZdksa }kjk ohlh, ds ifjorZu ds fy, flQZ ,d ckj vuqjks/k fd;k tk ldrk gSA

¼?k½ ifj;kstuk&fo'ks"k ds ckjs esa lwpukvfèklwfpr foÙkh; laLFkk mi;qZDr ekud fjiksfVax ds vfrfjDr] ,l,Q,lh dks le;≤ ij mlds }kjk ekaxs tkus ij fdlh ifj;kstuk fo'ks"k ds ckjs esa okafNr lwpuk ;fn dksbZ gks rks iznku djrh jgsxhA

¼³½ QhYM nkSjs fof/kor rRijrk ds rkSj ij ,l,Q,lh ds vf/kdkjh ;k vf/kÑr izfrfuf/k foi.ku lqfo/kk,a ¼cSdokMZ fyadst½] dk;Z LFky dh O;ogk;Zrk] dPps eky dh miyC/krk vkfn dks lqfuf'pr djus ds fy, fdlkuksa ds QhYM dk nkSjk djsaxsA

ifj;kstuk ds dk;kZUo;u dh fuxjkuh gsrq ,l,Q,lh ds vf/kdkjh Lora= :i ls vFkok _.knkrk vfèklwfpr foÙkh; laLFkk ;k jkT; ljdkj@jkT; ,l,Q,lh ds lg;ksx ls [ksrksa dk Hkze.k djsaxsA

¼p½ ohlh, ds tkjh jgus ds nkSjku cSad dks cnyuk m|eh vius dtZnkrk vfèklwfpr foÙkh; laLFkku ds ekè;e ls cSad dks cnyus ds fy, ,l,Q,lh

ls iwoZ vuqefr çkIr djsxkA m|e iwath lgk;rk dh vofèk esa çorZd }kjk bl lqfoèkk dk mi;ksx flQZ ,d ckj gh fd;k tk ldrk gSA

¼N½ Mh,lh Lrj ij ;kstuk ds dk;Z&fu"iknu dh fuxjkuh ,l,Q,lh] ,d o"kZ esa nks ckj fuEukuqlkj [kkrs dk lkjka'k nsrs gq, Mh,lh dks ,d fooj.k çLrqr djsxhA i½ ifj;kstukvksa dh o"kZ&okj dqy la[;k vkSj vc rd LohÑr ohlh, jkf'k] ii½ ifj;kstukvksa dh dqy la[;k ftlesa ohlh, dh olwyh dh dqy jkf'k tks fd ns; gks xbZ gS rFkk olwyh dh ns; jkf'k ds fo:) okLrfod olwyh vkSj iii½ vnk;xh esa pwd okys ekeyksa dk C;kSjk vkSj mudh jkf'k ftlesa ,sls ekeyksa esa olwyh ds fy, dh xbZ dkjokbZ rFkk xaHkhj ekeyksa esa jkbV vkWQ gsrq dh xbZ dkjokbZA

10- dk;kZUo;u vof/kbl ;kstuk dks `500-00 djksM+ dh dsanzh; lgk;rk ls ckjgoha ;kstuk esa 2012&17 ds nkSjku fØ;kfUor fd;k tk,xkA

11- dk;kZUo;u djus okyh ,tsalh ;g ;kstuk Ñf"k ea=ky; ds Ñf"k ,oa lgdkfjrk foHkkx ds vUrxZr iathÑr laLFkk y?kq Ñ"kd

Ñf"k O;kikj la?k ¼,l,Q,lh½ }kjk dk;kZfUor dh tk,xhA

12- lkoZtfud tkx:drk] izpkj rFkk izf'k{k.k dk;ZØevfèklwfpr foÙkh; laLFkkvksa dh lsokvksa dks vfèklwfpr foÙkh; laLFkkvksa ds dkfeZdksa rFkk vU; dk;ZdrkZvksa dks bl ;kstuk ds ckjs esa laosnu'khy cukus ds fy, Hkh mi;ksx esa yk;k tk,xkA ,l,Q,lh fofo/k izdkj ds ehfM;k izk:iksa ds ek/;e ls bldk izpkj djsaxs rkfd ;kstuk ds ckjs esa O;kid tkx:drk iSnk dh tk lds] fo'ks"kdj mu jkT;ksa vkSj {ks=ksa esa tgka X;kjgoha ;kstuk esa bl ij iw.kZ /;ku ugha fn;k x;kA

13- ;kstuk esa la'kks/ku djus dk vf/kdkjm|e iwath ;kstuk dh laiw.kZ foÙkh; lhek ds Hkhrj ,slh lapkyu izfØ;k,a tks fd foÙkh; izdkj dh ugha gSa] esa Mh,lh }kjk la'kks/ku fd, tk ldrs gSaA


This MOU is signed on the ________ day of __________ month__________ year at _________ by Small Farmers’ Agribusiness Consortium (a Society Registered under Registration of Societies Act 1860) registered office at NCUI Auditorium Building, 5th Floor, 3 Siri Institutional Area, August Kranti Marg, Hauz Khas, New Delhi - 110 016, which includes its successors/ assigns etc., hereinafter called SFAC on the first part and ____________ Bank/Financial Institution (hereinafter referred to as ‘Notified Financial Institution’ which expression that unless repugnant to the context herein shall mean and include its assigns and successors) with registered office at______________ on the other part.

1. SFAC’s focus is to attract private investment for setting up of projects that will link farmers & producer groups to markets, thereby substantially enhancing the opportunities for growth through commercial business activity.

2. The objective sought to be achieved by SFAC in discharging its duties are _______________ Venture Capital Assistance and Project Development Assistance to qualifying projects through participating Notified Financial Institution.

3. This agreement for SFAC Venture Capital Assistance operations with participating lending Notified Financial Institution will synergize their functions, competencies and projected sector development.

4. Whereas the Notified Financial Institution, in furtherance of its desire to play an active role in participation and promotion of investments in qualifying agribusiness projects and to coordinate the related activities with SFAC, is prepared to make available term loans/ working capital

(Model Format)Memorandum of Understanding betweenSmall Farmers’ Agribusiness Consortium

New Delhi (Department of Agriculture & Cooperation Ministry of

Agriculture) and the Notified Financial Institution


;g le>kSrk Kkiu&&&&&&&&&fnu&&&&&&ekg&&&&&&o"kZ &&&&&& dks y?kq Ñ"kd Ñf"k O;kikj la?k ¼lfefr;k¡ vfèkfu;e] 1860 ds vUrxZr ,d iathÑr lfefr½] ftldk iathÑr dk;kZy;] ,ulh;wvkbZ lHkkxkj Hkou] ikapoka ry] 3 fljh vkS|ksfxd {ks=] vxLr Økafr ekxZ] gkSt [kkl] ubZ fnYyh & 110016 esa fLFkr gS rFkk ftles blds mÙkjkf/kdkjh@lEcn~/k vkfn lfEefyr gSa] rFkk ftls blds i'pkr ,l,Q,lh dgk tk,xk çFke i{k ds :i esa rFkk&&&&&&&cSad@foÙkh; laLFkk ¼ftls vc ^vfèklwfpr foÙkh; laLFkk* dgk tk,xk] ftlls vfHkizk;% mlesa lfEefyr lEcn~/k rFkk mÙkjkf/kdkjh gksaxs½ ftldk iathÑr dk;kZy;&&&&&&&fLFkr gS] nwljk i{k gSA

1- ,l,Q,lh dk eq[; dsUnz fcUnq ifj;kstuk,a LFkkfir djus ds fy, futh fuos'k dks vkdf"kZr djuk gS tks Ñ"kdksa o mRiknd lewgksa dks cktkj ls tksM+sxh ftlls okf.kfT;d O;kikj xfrfof/k ds ek/;e ls fodkl ds voljksa dks c<+kok feysxkA

2- vius dk;Z&fuokZg esa ,l,Q,lh }kjk ftu mn~ns'; dh izkfIr vHkh"V gS os gSa&&&& lgHkkxh vfèklwfpr foÙkh; laLFkk ds ek/;e ls vgrZrk izkIr ifj;kstukvksa dks m|e iwath lgk;rk rFkk ifj;kstuk fodkl lgk;rk lqyHk djkukA

3- ;g djkj ,l,Q,lh dh m|e iwath lgk;rk ds izpkyu ds fy, lgHkkxh _.knkrk vfèklwfpr foÙkh; laLFkk ds lkFk gS tks muds dk;ks±] l{kerk vkSj yf{kr {ks= ds fodkl dh ;kstukvksa dks lg;ksftr djsxkA

4- ogha vfèklwfpr foÙkh; laLFkk vgrkZ izkIr Ñf"k O;kikj ifj;kstukvksa esa fuos'kksa esa lgHkkfxrk o izksRlkgu esa ,d lfØ; Hkwfedk fuHkkus dh viuh vkdka{kk dks c<+krs gq, rFkk ,l,Q,lh ds lkFk lacaf/kr xfrfof/k;ksa esa leUo;u LFkkfir djus gsrq vgrZrk izkIr Ñf"k&O;kikj ifj;kstukvksa dks lkof/kd _.k@dk;Zjr iwath eqgS;k djkus dks rS;kj gSA cSad ,d gh LFkku ij lHkh lqfo/kk,a miyC/k djkds ,l,Q,lh dh m|e iwath lgk;rk ¼ohlh,½ rFkk ifj;kstuk fodkl lgk;rk ¼ihMh,½ ds foLrkj esa lgk;rk Hkh djsxhA

¼uewuk izi=k½y?kq Ñ"kd Ñf"k O;kikj la?k] ubZ fnYyh

¼Ñf"k ,oa lgdkfjrk foHkkx] Ñf"k ea=kky;½ rFkk vfèklwfpr foÙkh; laLFkk

ds chp le>kSrk Kkiu


to qualifying agribusiness projects and also facilitate extension of SFAC’s Venture Capital Assistance (VCA) and Project Development Assistance (PDA) through a single window approach.

5. For the purpose of synergizing the efforts of SFAC for Promoting agribusiness Development in the country with the Notified Financial Institutions expertise in extending loans to viable agri- projects, SFAC and the Notified Financial Institution do hereby agree to cooperate with each other, for the development of agribusiness Sector and related areas and enter into this Memorandum of Understanding (MOU).

6. Whereas SFAC and the Notified Financial Institution are desirous of establishing a formal operational framework to achieve the objectives of agribusiness.

7. Whereas SFAC, in order to achieve its objective desired to associate with the Notified Financial Institution for disbursement of VCA and PDA (for preparation of DPR by SFAC empanelled consultants) to agribusiness projects and to attract private investment for setting up of projects that will link farmers and producers groups to markets, thereby substantially enhancing the opportunities for growth through commercial business activity which in turn will generate ample employment opportunities for rural unemployed and the Notified Financial Institution agreed to disburse the same and to provide term loans/ working capital to such qualified agribusiness projects and serve as a single window facility on the following terms and conditions:

the abbreviations and terms used in mouQualifying project for vca - Project qualifying for Venture Capital Assistance (VCA) provided by SFAC would be one which (a) is dependent upon agriculture or allied sector or related to agricultural services. Poultry and dairy projects will also be covered under the Scheme (b) provides assured market to farmers/producer groups (c) encourages farmers to diversify into high value crops aimed to increase farm incomes and (d) is accepted by the Notified Financial Institution for grant of project term loans after satisfactory techno- commercial feasibility.

Qualifying project for Pdf- A project qualifying for assistance from the PDF will be qualifying project for VCA set up by producers groups/agribusiness groups with minimum project cost of 15 lakhs (`10.00 lakhs in case of North-Eastern and Hilly States (Uttarakhand, Himachal Pradesh, Jammu & Kashmir)) and which has been accepted in principle for considering sanction of term loan by a Notified Financial Institution on the basis of Pre- feasibility report.

Project development facility (Pdf) of SFAC maintains a pool of qualified skilled consultants to render services at low cost to producer groups/agribusiness groups.

Project development assistance (Pda) is a scheme under which financial support is provided to producer groups/agribusiness groups for preparation of DPR by SFAC.

detailed Project report (dPr) is the document providing all necessary details and projections relating to the project, which would enable Notified Financial Institution to evaluate viability of the project.

venture capital assistance (vca) is the financial support provided by SFAC for qualifying projects to meet shortfall in the capital required for implementation of the project. VCA will be treated as part of equity during the currency of the bank loan and thereafter converted to a loan based on an agreement to be executed between SFAC and the borrower.


5- O;ogk;Z Ñf"k ifj;kstukvksa dks _.k nsus esa vfèklwfpr foÙkh; laLFkkvksa dh fo'ks"kKrk ds lkFk ns'k esa Ñf"k O;kikj ifj;kstuk fodkl dks c<+kok nsus ds fy, ,l,Q,lh ds iz;klksa ds lkFk rkyesy LFkkfir djus ds mn~ns'; ls] ,l,Q,lh vkSj vfèklwfpr foÙkh; laLFkk ,rn}kjk Ñf"k O;kikj {ks= rFkk lacaf/kr {ks=ksa ds fodkl ds fy, ijLij :i ls bl le>kSrk Kkiu dks Lohdkj djus ds fy, lger gSaA

6- ;g fd] ,l,Q,lh vkSj vfèklwfpr foÙkh; laLFkk nksuksa Ñf"k O;kikj ds mn~ns';ksa dks izkIr djus ds fy, ,d vkSipkfjd izpkyukRed lajpuk LFkkfir djus ds bPNqd gSA

7- ;g fd] ,l,Q,lh vius mn~ns';ksa dh izkfIr ds fy, vfèklwfpr foÙkh; laLFkk ds lkFk lg;ksx djus dks bPNqd gS rkfd Ñf"k O;kikj ifj;kstukvksa dks ohlh, rFkk ¼,l,Q,lh }kjk lwphc) ijke'kZdksa }kjk Mhihvkj rS;kj djus ds fy,½ ihMh, fn;k tk lds rFkk ifj;kstukvksa dks yxkus ds fy, futh fuos'k dks vkdf"kZd fd;k tk ldsA ;s ifj;kstuk,a Ñ"kdkas vkSj mRiknd lewgksa dks cktkjksa ls tksMs+xhA ftlls okf.kT; O;kikj xfrfof/k ds ek/;e ls fodkl ds voljksa esa dkQh of) gksxh rFkk cnys esa xzkeh.k csjkstxkjksa ds fy, izpqj ek=k esa jkstxkj ds volj iSnk gksaxsA vfèklwfpr foÙkh; laLFkk bu vgrZrk izkIr Ñf"k O;kikj ifj;kstukvksa dks lkofèkd _.k rFkk dk;Zxr iwath lqyHk djkus o mudk forj.k djus ds fy, lger gS rFkk fuEufyf[kr fu;eksa o 'krksZa ij ,d gh LFkku ij lHkh lqfo/kk,a lqyHk djkus dh lsok nsus gsrq lger gS%

le>kSrk Kkiu esa bLrseky fd, x, laf{kIr 'kCn o 'kCnkofy;k¡

ohlh, gsrq ifj;kstuk dh vgZrk ;k ik=rk% ,l,Q,lh }kjk lqyHk djk;h tkus okyh m|e iwath lgk;rk ¼ohlh,½ ds fy, vgZrk izkIr ifj;kstuk og gksxh tks ¼d½ ohlh, gsrq ifj;kstuk dh vgZrk ;k ik=rk mlds d`f"k ;k mlls tqM+s {ks=ksa ;k d`f"k lsokvksa ls lacaf/kr gksuh pkfg,A bl ;kstuk ds rgr eqxhZikyu ¼iksYVªh½ rFkk Ms;jh ifj;kstuk,a Hkh 'kkfey gksaxhA ¼[k½ os ifj;kstuk,a tks fdlkuksa@mRiknd lewgksa dks lqfuf'pr cktkj iznku djrh gksa bl ;kstuk esa 'kkfey gksaxhA ¼x½ fdlkuksa dks Ñf"k vk; c<+kus ds mn~ns'; ls mPp dher dh Qlyksa dh vksj fofo/khdj.k djus dks izksRlkfgr djrh gksa ¼?k½ larks"ktud rduhdh&okf.kfT;d O;ogk;Zrk ds ckn ifj;kstuk lkof/kd _.k dks eatwj djus ds fy, vfèklwfpr foÙkh; laLFkk dks Lohdk;Z gksA

ihMh,Q gsrq ;ksX; ifj;kstuk% ihMh,Q ls lgk;rk gsrq ,d ;ksX; ifj;kstuk og gksxh ftls mRiknd Ñf"k O;kikj leqgksa }kjk LFkkfir fd;k x;k gks rFkk ftldh U;wure ifj;kstuk ykxr `15 yk[k ¼iwoksZÙkj rFkk igkM+h jkT;ksa mÙkjk[kaM] fgekpy izns'k] tEew vkSj d'ehj½ ds fy, `10 yk[k½ gks rFkk ftls iwoZ&O;ogk;Zrk fjiksVZ ds vk/kkj ij fdlh vfèklwfpr foÙkh; laLFkk }kjk lkof/k _.k dh LohÑfr gsrq fl)kar% vuqeksfnr fd;k x;k gksA

ifj;kstuk fodkl lqfo/kk ¼ihMh,Q½% ,l,Q,lh dh ;g lqfo/kk mRiknd lewgksa@Ñf"k O;kikj lewgksa dks fuEu ykxr ij viuh lsok,a lqyHk djkus gsrq ;ksX;rk izkIr@dq'ky ijke'kZdksa dk ,d fudk; gSA

ifj;kstuk fodkl lgk;rk ¼ihMh,½% ;g ,d ,slh ;kstuk gS ftlds varxZr ,l,Q,lh }kjk Mhihvkj dh rS;kjh ds fy, mRiknd lewgksa@Ñf"k O;kikj lewgksa dks foÙkh; lgk;rk nh tkrh gSA

foLr`r ifj;kstuk izfrosnu ¼Mhihvkj½% og nLrkost gksrk gS ftlesa ifj;kstuk ls lacaf/kr lHkh vko';d fooj.kksa rFkk iz{ksi.kksa dk C;kSjk gksrk gS ftlls vfèklwfpr foÙkh; laLFkkvksa dks ifj;kstuk dh O;ogk;Zrk ds ewY;kadu esa lgk;rk feyrh gSA

m|e iwath lgk;rk ¼ohlh,½% ;g vgrZrk izkIr iwath ;kstukvksa ds fy, ,l,Q,lh }kjk lqyHk djkbZ tkus okyh og foÙkh; lgk;rk gS tks ifj;kstuk ds dk;kZUo;u ds fy, vko';d iwath esa deh dks iwjk djrh gSA ohlh, cSad _.k ds nkSjku bfDoVh ds :i esa ekuh tk,xh rFkk blds ckn ;g ,l,Q,lh vkSj _.knkrk ds chp gksus okys djkj ds vk/kkj ij ,d _.k ds :i esa ifjofrZr gks tk,xhA


8. resPonsIbIlItIes of the notIfIed fInancIal InstItutIonProject Development(a) The Notified Financial Institution has branches and operations in different parts of the

country and they are closely linked and accessible to producers and entrepreneurs in the areas covered by their branch network. The producer groups/ entrepreneurs/trained agribusiness graduates/ units in Agricultural Export Zone (AEZ) (called applicant) desirous of seeking PDA can approach nearest branch of the Notified Financial Institution along with pre- feasibility report or such other documents giving details of the proposed project for the consideration of the Notified Financial Institution. Such persons may also directly approach SFAC seeking assistance for preparation of DPR under PDA scheme.

(b) The Notified Financial Institution will examine the pre- feasibility report and on being about the background of the promoters and prima facie acceptability of the project, will record their observations and direct the proposal to SFAC for assistance in preparation of DPR by one of the consultants in their panel. The Notified Financial Institution may also directly forward the case to SFAC empanelled consultant for taking up the study on the terms and conditions stipulated by SFAC under advice to SFAC.

(c) In respect of cases referred to a consultant directly by the Notified Financial Institution, payment will be made from the funds received from SFAC for preparation of DPR as per the terms and conditions specified by SFAC.

(d) The Notified Financial Institution will release the cost of preparation of DPR to those projects found viable depending on the size, location, and linkage issues on a case-to-case basis from the SFAC fund. Intending projects must be over `15 lakhs ( `10 lakhs in case of NE States and other hilly areas) in size.

(e) The schedule of fee payable to empanelled consultants under Venture Capital Assistance Scheme for Agribusiness Development is summarized below:

category-I : (Project size between `10.00 lakh to `25.00 lakh) total fee : `25000.00 (Rupees Twenty Five Thousand Only). category-II : (Project size above `25.00 lakh and upto `1.00 Crore) total fee : `50000.00 (Rupees Fifty Thousand Only). category-III : (Project size above `1.00 Crore and upto `3.00 Crore) total fee : `75000.00 (Rupees Seventy Five Thousand Only). category-Iv : (Project size above `3.00 Crore and upto `5.00 Crore) total fee : `100000.00 (Rupees One Lakh Only). terms of payment of all categories: The fee will be paid to empanelled consultants in

three stages:(i) 20% after submission of DPR and other documents to the bank.(ii) 40% after sanction of term loan by Notified Financial Institution with provision of

VCA.(iii) 40% after sanction and disbursement of VCA by SFAC.

(f) Agribusiness projects will need to be directly linked to the bank to avail project term loans. The Notified Financial Institution will have the flexibility to syndicate any part of the project term loan to other Notified Financial Institution.

(g) The DPR received from SFAC or directly from the consultant will be examined in detail by the Notified Financial Institution for sanction of term loan and release of venture capital. A copy of the term loan sanction advice to the borrower will also forwarded to SFAC for their record.

(h) The Notified Financial Institution will maintain separate account for SFAC funds.


8- vfèklwfpr foÙkh; laLFkk dk mÙkjnkf;Roifj;kstuk fodkl¼d½ vfèklwfpr foÙkh; laLFkk ns'kHkj ds fofHkUu Hkkxksa esa viuh 'kk[kkvksa rFkk izpkyu gksrs gSa rFkk os

fudVre :i ls lacfèkr gksrs gSaA os viuh 'kk[kkvksa dh lajpuk ds }kjk lacaf/kr {ks=ksa esa mRikndksa vkSj m|fe;ksa dh igq¡p esa gksrs gSaA ihMh,Q bPNqd mRiknd lewg@m|eh@izf'kf{kr Ñf"k O;kikj Lukrd@Ñf"k fu;kZr {ks= esa bdkb;k¡ ¼ftUgsa vkosnd dgk x;k gS½ cSad dh fudVre 'kk[kk ls laidZ dj ldrs gSaA os cSad ds fopkjkFkZ izLrkfor ifj;kstuk dh iwoZ&laHkkO; fjiksVZ ;k ifj;kstuk dk fooj.k n'kkZus okys nLrkost izLrqr dj ldrs gSaA ;g O;fDr ihMh,Q ;kstuk ds varxZr Mhihvkj rS;kj djus ds fy, lgk;rk izkIr djus gsrq ,l,Q,lh ls lh/ks Hkh lEidZ LFkkfir dj ldrs gSaA

¼[k½ vfèklwfpr foÙkh; laLFkk iwoZ&laHkkO;rk fjiksVZ dh leh{kk djsxk rFkk izeksVlZ dh i`"BHkwfe o ifj;kstuk dh rkRdkfyd LohÑfr ds ckjs esa larq"V gks tkus ds ckn] og viuk er ntZ djsxk vkSj izLrko dks ,l,Q,lh ds ikl mlds lwphc) ijke'kZdksa esa ls fdlh ,d ls Mhihvkj rS;kj djokus gsrq HkstsxkA vfèklwfpr foÙkh; laLFkk ekeys dks ,l,Q,lh }kjk of.kZr fu;e o 'krksZa ij v/;;u djus ds fy, ,l,Q,lh ds lwphc) ijke'kZd ds ikl lh/ks Hkh Hkst ldrk gS ftl dh lwpuk og ,l,Q,lh dks Hkh Hkst nsxkA

¼x½ vfèklwfpr foÙkh; laLFkk }kjk ekeyksa dks lh/ks ijke'kZd dks Hksts tkus ij] Mhihvkj rS;kj djus ds fy, ,l,Q,lh ls izkIr dks"kksa ls] ,l,Q,lh }kjk fufnZ"V fu;e o 'krksZa ds vuq:i] Hkqxrku dj nsxkA

¼?k½ vfèklwfpr foÙkh; laLFkk izR;sd ekeys ds vk/kkj ij Mhihvkj rS;kj djus dh ykxr mUgha ifj;kstukvksa dks ,l,Q,lh dks"k ls tkjh djsxk tks vkdkj] txg vkSj tqM+ko tSls eqn~nksa ij O;ogkFkZ ik, tk,axsA ifj;kstuk,a vkdkj esa `15 yk[k #i;s ¼iwoksZÙkj jkT;ksa o vU; ioZrh; {ks=ksa ds ekeyksa esa `10 yk[k #i;s½ ls vf/kd dh gksuh pkfg,A

¼³½ Ñf"k O;kikj fodkl ds fy, osapj dSfiVy lgk;rk ;kstuk ds rgr iSuy esa 'kkfey lykgdkjksa dks ns; 'kqYd dh vuqlwph la{ksi esa fuEu gSa%

Js.kh&I% ¼`10-00 yk[k ls `25-00 yk[k rd dh ifj;kstuk ds fy,½dqy 'kqYd% `25]000-00 ¼:i, iPphl gtkj dsoy½A

Js.kh&II% ¼`25-00 yk[k ls vfèkd rFkk `1-00 djksM+ rd dh ifj;kstuk ds fy,½dqy 'kqYd% `50]000-00 ¼:i, ipkl gtkj½A

Js.kh&III% ¼`1-00 djksM+ ls vfèkd rFkk `3-00 djksM+ rd dh ifj;kstuk ds fy,½dqy 'kqYd% `75]000-00 ¼:i, ipgÙkj gtkj ek=½A

Js.kh&Iv% ¼`3-00 djksM+ ls vfèkd vkSj ` 5-00 djksM+ rd dh ifj;kstuk ds fy,½dqy 'kqYd% `100]000-00 ¼,d yk[k :i, dsoy½A

lHkh Jsf.k;ksa dks Hkqxrku dh 'krs±% iSuy lykgdkj dks 'kqYd rhu pj.kksa esa Hkqxrku fd;k tk,xk%

¼i½ cSad dks Mhihvkj vkSj vU; nLrkostksa dks çLrqr djus ds ckn 20 çfr'kr HkqxrkuA¼ii½ ohlh, ds çkoèkku lfgr vfèklwfpr foÙkh; laLFkk }kjk fe;knh _.k dh eatwjh ds ckn 40 çfr'krA¼iii½ _.k dh eatwjh rFkk ,l,Q,lh }kjk ohlh, ds forj.k ds ckn 40 çfr'krA

¼p½ ifj;kstuk lkof/kd _.kksa dks izkIr djus gsrq Ñf"k O;kikj ifj;kstukvksa dks cSad ds lkFk izR;{kr% tksM+uk vko';d gksxkA vfèklwfpr foÙkh; laLFkk ds ikl ifj;kstuk ds lkof/kd _.k ds fdlh Hkh Hkkx dks vU; cSadksa dks la/khÑr djus dk izko/kku gksxkA

¼N½ lkof/kd _.k LohÑr rFkk m|e iwath dks tkjh djus ds fy, vfèklwfpr foÙkh; laLFkk }kjk ,l,Q,lh ;k ijke'kZd ls lh/ks izkIr Mhihvkj dh foLr`r tkap dh tk,xhA _.knkrk dks fn, x, lkof/kd _.k LohÑfr ds i= dh ,d izfr] fjdkMZ gsrq ,l,Q,lh dks Hkh vxzlfjr dh tk,xhA

¼t½ ,l,Q,lh fuf/k ds fy, vfèklwfpr foÙkh; laLFkk vyx ls [kkrk j[ksxkA


9. venture caPItal assIstance9.1 As part of term loan appraisal in respect of proposals received from the entrepreneurs or

agriculture producer groups for sanction of agricultural term loans. The Notified Financial Institution will indicate the amount of venture capital support from SFAC while working out the funding pattern for qualifying projects. Projects qualifying for venture capital assistance from SFAC:

Are dependent upon agricultural or allied produce��

Provide direct access to producers as assured markets��

Encourage farmers to diversify into high value crops aimed to increase farm ��

incomeAre accepted by the Notified Financial Institution for grant of project term loans after ��

satisfactory techno- commercial feasibility.

9.2 The quantum of SFAC venture capital assistance will depend on the project cost and will be the lowest of the following:

26% of the promoter’s equity��

`�� 50 lakhs9.3 Higher venture capital assistance can be considered by SFAC to deserving projects on

merit and/ or to projects that are located in remote and backward areas, northeastern and hilly States and projects promoted by States/State SFAC’s.

9.4 For qualifying projects conforming to the criteria mentioned under Para 9.1 above, Notified Financial Institution while considering sanction of term loan for project implementation and tying up the means of finance to meet the total project. The Notified Financial Institution will evaluate the quantum of VCA required keeping in view the stipulations contained in Para 9.2 and 9.3., the Notified Financial Institution will write to SFAC giving details of the project, its cost and indicating the quantum of VCA recommended for tying up means of financing. The Notified Financial Institution will also indicate when the venture capital funds will be required for project implementation. SFAC will place the proposal before its investment committee and communicate to the Notified Financial Institution the quantum of VCA approved for the project.

9.5 In case any clarification is needed to determine if projects are qualifying projects or not, the Notified Financial Institution can refer them to SFAC’s Project Development Facility, Division of SFAC & PDF Division, who will investigate such proposals which may include site visits and respond to the Notified Financial Institution within 30 days.

9.6 The Notified Financial Institution will provide SFAC with full details of the terms and conditions under which the term loan is sanctioned including repayment scheduled fixed for the loan. The bank will also keep SFAC posted of the progress in implementation of the project from time to time after the project become operational. The Notified Financial Institution will keep SFAC posted of the performance of the unit on an yearly basis and keep SFAC informed of any unsatisfactory features noticed in the working of the project as and when it occurs. SFAC will have no charge during the currency of the term loan. Once the term loan is fully repaid, the Notified Financial Institution will advise SFAC of the position to enable them to convert their venture capital funding into a loan repayable as per the agreement entered by SFAC with the promoters. During the pendency of loan, the Notified Financial Institution will have charge over the primary/collateral securities (including FDR) available with the beneficiary and the said securities will not be released by bank to beneficiary or other institutions till full refund of VCA to SFAC.

9.7 The Notified Financial Institution will release the term loan in one go or as per the progress in the project implementation after completion of documentation formalities. The funds received from SFAC will be retained in a separate account and released for the project implementation as and when requested by the applicant.


9- m|e iwath lgk;rk9-1 Ñf"k lkof/kd _.kksa dks LohÑfr ds fy, m|fe;ksa ;k Ñf"k mRiknd lewgksa ls izkIr izLrkoksa ds

laca/k esa lkof/kd _.k ewY;kadu ds fgLls ds :i esa] vgrZrk izkIr ifj;kstukvksa ds fy, foÙk iks"k.k ds rjhds dh :ijs[kk cukrs le;] vfèklwfpr foÙkh; laLFkk ,l,Q,lh ls feyus okyh m|e iwath lgk;rk dh jkf'k dk mYys[k djsxkA ,l,Q,lh ls m|e iwath lgk;rk dh vgrZrk izkIr djus ds fy, ifj;kstuk dks%

os Ñf"k ;k blls lEc) mRikn ij vkfJr gksaA��

fuf'pr cktkj ds :i esa mRikndksa dks lh/ks igq¡p lqyHk djkrh gksaA��

fdlkuksa dks mudh Ñf"k vk; c<+kus ds mn~ns'; ls mPp ewY; okyh Qlyksa dh [ksrh dh vksj ��

c<+us ds fy, izksRlkfgr djrh gksAlarks"ktud rduhdh okf.kT;d laHkkO;r% ds ckn ifj;kstuk lkof/kd _.kksa ds vuqeksnu ds ��

fy, vfèklwfpr foÙkh; laLFkk }kjk LohÑfr gksaA

9-2 ,l,Q,lh dh m|e iwath lgk;rk dh ek=k ifj;kstuk dh ykxr ij fuHkZj djsxh rFkk fuEukafdr esa ls U;wure gksxh%


`�� 50-00 yk[k9-3 ,l,Q,lh }kjk vf/kd m|e iwath lgk;rk ds fy, ik= ;kstukvksa dks ;ksX;rk ds vk/kkj ij

rFkk@;k mu ifj;kstukvksa ij fopkj fd;k tk ldrk gS tks nwjnjkt fiNM+s {ks=ksa] mÙkj&iwohZ o ioZrh; jkT;ksa rFkk jkT;ksa@jkT;ksa dh ,l,Q,lh }kjk izksUur ifj;kstuk,a gksA

9-4 mi;qZDr iSjk 9-1 ds varxZr n'kk;s x, ekin.M dks iwjk djus okyh vgrZrk izkIr ifj;kstukvksa ds fy, ifj;kstuk dk;kZUo;u gsrq lkof/kd _.k dh LohÑfr rFkk lEiw.kZ ifj;kstuk dks iwjk djus esa gksus okys dqy O;; dh foÙk O;oLFkk dks tksM+us ij fopkj djrs le;] vfèklwfpr foÙkh; laLFkk iSjk 9-2 rFkk 9-3 esa of.kZr t:jrksa dks /;ku esa j[krs gq, vko';d ohlh, dh ek=k dh leh{kk djsxh pwafd lkofèkd _.k dh LohÑfr rFkk tkjh djuk ,l,Q,lh ls izkIr gksus okyh ohlh, jkf'k dh miyC/krk ij fuHkZj djsxh] vr% vfèklwfpr foÙkh; laLFkk ,l,Q,lh dks ifj;kstuk dk fooj.k] bldh ykxr rFkk foÙk&iks"k.k ds rjhdksa ds fy, vuq'kaflr ohlh, dh ek=k ds ckjs esa fy[ksxhA vfèklwfpr foÙkh; laLFkk ;g Hkh crk,xh fd ifj;kstuk dk;kZUo;u ds fy, m|e iwath lgk;rk ds dks"kksa dh dc vko';drk gksxhA ,l,Q,lh izLrko dks fuos'k lfefr ds lEeq[k j[ksxk rFkk ifj;kstuk ds fy, LohÑr ohlh, dh ek=k ds ckjs esa vfèklwfpr foÙkh; laaLFkk dks lwfpr djsxhA

9-5 ifj;kstukvksa dh vgrZrk ds fu/kkZj.k esa fdlh Hkh izdkj ds Li"Vhdj.k dh vko';drk dh fLFkfr esa vfèklwfpr foÙkh; laLFkk ,sls ekeyksa dks ,l,Q,lh dh ifj;kstuk fodkl lqfo/kk ¼ihMh,Q½] ,l,Q,lh ds ikl vxzlfjr dj ldrk gS tks ,sls izLrkoksa dh tkap djsxkA blesa LFky Hkze.k Hkh 'kkfey gks ldrk gSA blds ckn og cSad dks 30 fnu ds Hkhrj bl ckjs esa crk,xkA

9-6 vfèklwfpr foÙkh; laLFkk ,l,Q,lh dks mu lHkh fu;e o 'krksZa dk iwjk fooj.k lqyHk djk,xh ftuds varxZr lkof/kd _.k LohÑr fd;k x;k gS blesa _.k dh vnk;xh ds fy, fu/kkZfjr iquZHkqxrku lkj.kh lfEefyr gksxhA ifj;kstuk ds izkjaHk gks tkus ds ckn] le;≤ ij ifj;kstuk ds dk;kZUo;u esa gksus okyh izxfr ds ckjs esa cSad ,l,Q,lh dks voxr djkrk jgsxkA vfèklwfpr foÙkh; laLFkk okf"kZd vk/kkj ij ,l,Q,lh dks voxr djkrk jgsxkA vfèklwfpr foÙkh; laLFkk okf"kZd vk/kkj ij ,l,Q,lh dks bdkbZ ds dk;Z fu"iknu ds ckjs esa tkudkjh nsrh jgsxh rFkk ifj;kstuk dh dk;Z iz.kkyh esa ik;h xbZ fdlh vlarks"ktud fo'ks"krk ds ckjs esa ;Fkkle; ,l,Q,lh dks lwfpr djsxhA lkof/kd _.k ds tkjh jgus ds nkSjku ,l,Q,lh dks dksbZ izHkkj ns; ugha gksxkA lkof/kd _.k dh vnk;xh iwjh gks tkus ds ckn] vfèklwfpr foÙkh; laLFkk ,l,Q,lh dks muds m|e iwath foÙk iks"k.k dks ,d iquZHkqxrku ;ksX; _.k esa ifjofrZr djus dh fLFkfr ds ckjs esa lykg nsxk djsxk tSlk fd ,l,Q,lh vkSj izeksVlZ ds chp le>kSrs esa mYys[k gSaA _.k ds yafcr jgus ds nkSjku ykHkkFkhZ ds ikl miyC/k izkFkfed@_.kk/kkj izfrHkwfr;ksa ¼,QMhvkj lfgr½ ij vfèklwfpr foÙkh; laLFkk dk vfèkdkj gksxk rFkk ohlh, dh ,l,Q,lh dks iwjh jkf'k dh okilh rd bu izfrHkwfr;ksa ¼flD;qfjVht½ dks ykHkkFkhZ ;k vU; fdlh laLFkk ds uke ij tkjh ugha fd;k tk ldsxkA


9.8 In case of the failure of the project, the Notified Financial Institution may opt for a compromise settlement or resort to legal recourse for recovery of their dues as per the policy of the bank. While, the Notified Financial Institution will be free to take any such decisions without seeking the concurrence of SFAC, SFAC will be informed of any such decision taken to safeguard its interest.

9.9 The Notified Financial Institution will appoint a nodal officer for corresponding with SFAC in all matters relating to sanction and release of assistance under venture capital or for the preparation of DPR. The Notified Financial Institution may also provide SFAC with a list of its regional/ Zonal offices for forwarding proposals received by SFAC and its state functionaries/ state level SFAC’s for their consideration.

10. resPonsIbIlItIes of sfac(a) SFAC’s Project Development Facility (PDF) will maintain a pool of pre- qualified skilled

consulting firms and individuals with specific skills to render services at low cost to entrepreneurs and to lending Notified Financial Institution. SFAC’s PDF will address gaps if any in agribusiness enterprise skills in an active hand holding manner. SFAC will also look to take assistance of specialized agribusiness groups if some Notified Financial Institution have the capability to undertake PDF role in line with the PDF and Venture Capital Scheme.

(b) SFAC’s PDF is a generator of potential agribusiness projects which can attract investment that will benefit the rural community through increased employment and incomes which can be referred to the Notified Financial Institution.

(c) SFAC may assign the services of agri business specialists from SFAC’s PDF from time to time to associate with periodic progress evaluation of SFAC’s VCA projects.

(d) SFAC will forward proposals received from state level functionaries/ state level SFACs to the nodal officer of the Notified Financial Institution or regional/ zonal offices of the Notified Financial Institution for their consideration.

(e) The PDF of SFAC will arrange to have DPR prepared by a consultant in its panel promptly on receipt of request from the Notified Financial Institution after satisfying about pre- feasibility report.

(f) SFAC will arrange to remit funds required for preparation of DPR under PDA immediately on receipt of request from the Notified Financial Institution in respect of cases directly referred to a consultant by them.

(g) On receipt of communication from Notified Financial Institution giving details of the qualifying project for VCA, SFAC will place the proposal for VCA before its investment committee and communicate sanction to the Notified Financial Institution and the borrower SFAC will make VCA funds available for the project implementation through the Notified Financial Institution immediately on receipt of the communication from the Notified Financial Institution giving details of term loan/ working capital proposed to be sanctioned by them.


9-7 vfèklwfpr foÙkh; laLFkk lkof/kd _.k ds ifj;kstuk dh izxfr ds vuqlkj forj.k ds ckn] ,l,Q,lh ls ohlh, ds :i esa izkIr jkf'k dks ,d vyx [kkrs esa j[ksxh rFkk nLrkostksa dh vkSipkfjdrkvksa ds iwjk gksus ij _.kh dks ,deq'r vFkok ifj;kstuk dh izxfr ds vuqlkj _.kh ds ekaxus ij ifj;kstuk ds dk;kZUo;u ds fy, tkjh djsxhA

9-8 ifj;kstuk ds foQy gks tkus dh fLFkfr esa] vfèklwfpr foÙkh; laLFkk viuh uhfr ds vuqlkj viuh ysunkjh dh olwyh ds fy, ;k rks dkbZ fuiVku dj ldrh gS ;k dkuwuh rjhdksa dk lgkjk ys ldrs gSaA vfèklwfpr foÙkh; laLFkk ,l,Q,lh dh iwoZuqefr ds fcuk ,slk dksbZ Hkh fu.kZ; ysus ds fy, Lora= gksxh] ,l,Q,lh dks] muds fgrksa dh j{kk djus ds mn~ns'; ls] ,sls fu.kZ; ls lwfpr dj fn;k tk,xkA

9-9 m|e iwath ds varxZr lgk;rk dh LohÑfr ds tkjh djus vFkok Mhihvkj dh rS;kjh ds fy, ,l,Q,lh ds lkFk lHkh ekeyksa gsrq gksus okys i=kpkj ds fy, vfèklwfpr foÙkh; laLFkk ,d uksMy vf/kdkjh dh fu;qfDr djsxhA vfèklwfpr foÙkh; laLFkk ,l,Q,lh vkSj blds jkT;ksa ds vf/kdkfj;ksa] jkT;&Lrjh; ,l,Q,lh }kjk fopkjkFkZ izkIr izLrkoksa dks vxzlhr djus ds fy, vius {ks=h; eaMy dk;kZy;ksa dh lwph Hkh ,l,Q,lh dks lqyHk djk,xhA

10- ,l,Q,lh ds mÙkjnkf;Ro¼d½ ,l,Q,lh dh ifj;kstuk fodkl lqfo/kk ¼ihMh,Q½ ,sls iwoZ&;ksX;rk izkIr dq'ky ijke'kZd QeksZa vkSj

O;fDr;ksa dk ,d fudk; j[ksxk ftuds ikl m|fe;ksa o _.knkrk vfèklwfpr foÙkh; laLFkkvksa dks de ewY; ij lsok,a nsus dh fof'k"V dq'kyrk gksxhA ,l,Q,lh dk ihMh,Q ,d lfØ; ,oa fo'oLr rjhds ls Ñf"k O;kikj m|e dh dq'kyrk esa ik, tkus okys varjksa ij fo'ks"k /;ku nsxkA ;fn dqN vfèklwfpr foÙkh; laLFkkvksa ds ikl ihMh,Q o m|e iwath ;kstuk dh Hkkafr ihMh,Q dh Hkwfedk fuHkkus dh {kerk gksxh rks ,l,Q,lh fo'ks"kK Ñf"k O;kikj lewg dh lgk;rk ysus dk Hkh iz;kl djsxkA

¼[k½ ,l,Q,lh dk ihMh,Q Ñf"k O;kikj ifj;kstukvksa dh lgk;rk djus dk fudk; gS tks fuos'k dks vkdf"kZr dj ldrk gSA ;s fuos'k jkstxkj vkSj vk; esa of) ds ek/;e ls xzkeh.k leqnk; dks ykHk igq¡pk,axs rFkk bUgsa vfèklwfpr foÙkh; laLFkk ds ikl vxzsf"kr fd;k tk ldsxkA

¼x½ ,l,Q,lh viuh ohlh, ifj;kstukvksa dh izxfr ds ewY;kadu ds lkFk tqM+us ds fy, le;≤ ij ihMh,Q ls Ñf"k O;kikj fo'ks"kKksa dh lsok,a ys ldrh gSA

¼?k½ ,l,Q,lh vius jkT;Lrjh; vf/kdkfj;ksa@jkT; Lrjh; ,l,Q,lh ls izkIr izLrkoksa vfèklwfpr foÙkh; laLFkk ds uksMy vf/kdkjh rFkk vfèklwfpr foÙkh; laLFkk ds {ks=h; eaMy dk;kZy;ksa dks muds fopkjkFkZ vxzlfjr djsxhA

¼³½ iwoZ&laHkkO;rk fjiksVZ ds ckjs esa vk'oLr gks tkus ds ckn vfèklwfpr foÙkh; laLFkk ls vuqjks/k dh izkfIr ij ,l,Q,lh dk ihMh,Q vius lwphc) ijke'kZd ls Mhihvkj rqjar rS;kj djokus dh O;oLFkk djsxhA

¼p½ tks ekeys lh/ks gh vfèklwfpr foÙkh; laLFkk }kjk ijke'kZd dks Hksts tk,axs muds ckjs esa cSad ls vuqjks/k dh izkfIr ds rqjar ckn] ihMh,Q ds varxZr Mhihvkj dh rS;kjh gsrq ,l,Q,lh ds izfrizs"k.k dh O;oLFkk djsxhA

¼N½ vfèklwfpr foÙkh; laLFkkvksa ls ohlh, ds fy, vgrZrk izkIr ifj;kstuk ds ckjs esa fooj.kksa dh izkfIr ij] ,l,Q,lh viuh fuos'k lfefr ds lEeq[k ohlh, ds fy, izLrko dks j[ksxh rFkk vfèklwfpr foÙkh; laLFkk o _.knkrk dks LohÑfr dh lwpuk HkstsxhA vfèklwfpr foÙkh; laLFkk ls lkof/kd _.k dk;Zxr iwath dh izLrkfor LohÑfr ds fooj.k izkIr gksus ds rqjar ckn] ,l,Q,lh ifj;kstuk dk;kZUo;u ds fy, ohlh, dks"kksa dh vfèklwfpr foÙkh; laLFkk ds ek/;e ls miyC/krk lqfuf'pr djsxhA


11. rePortIng and exchange of InformatIon With a view to minimize paper work and ensure that SFAC is provided with all relevant details of individual projects financed by the Notified Financial Institution with Venture Capital support provided by SFAC and also units assisted for preparation of DPR, and also progress in project implementation from time to time, the following reporting schedule will be observed.

(a) report on utilization of venture capital assistance (vca)/Project development assistance (Pda)

The Notified Financial Institution will report disbursement made by them in respect of VCA/PDA against funds received from SFAC every time a payment is made. In respect of VCA along with the report on utilization of funds, a report on progress in project implementation would also be sent to SFAC. Such periodical reporting will be sent to SFAC until the project is fully implemented and commercial operations are started. In respect of PDA, the Notified Financial Institution will report if after examining the DPR, a decision is taken by the Notified Financial Institution not to sanction term loan on assessment that the project is not viable.

(b) report on the working of assisted units The Notified Financial Institution will submit a report on the working of the units financed

by them under VCA to SFAC on a half yearly basis indicating whether the operations are in line with the projections and whether the borrowers are adhering to repayment commitments.

(c) reporting of exceptions The Notified Financial Institution would also keep SFAC informed of any significant

developments with regard to operation of the projects, its implementation and unsatisfactory features if any noticed by them. The Notified Financial Institution will also keep SFAC informed of any recovery action initiated by them in the event of failure of the unit to perform or inability of the borrowers to meet financial commitments.

(d) ProjectSpecificInformation In addition to the above standard reporting by the Notified Financial Institution the Notified

Financial Institution would also provide SFAC with project specific information, if any, sought by it from time to time.


11- lwpukvksa dh fjiksVZ Hkstuk rFkk mudk vknku&iznkudkxth dk;Zokgh dks de djus rFkk ,l,Q,lh }kjk lqyHk djkbZ xbZ m|e iwath lgk;rk dks vfèklwfpr foÙkh; laLFkk dh foÙk&iksf"kr izR;sd ifj;kstukvksa ls lacaf/kr fooj.k ,l,Q,lh dks lqyHk djkus] Mhihvkj dh rS;kjh esa lgk;rk djus okyh bdkb;ksa rFkk le;≤ ij ifj;kstuk dk;kZUo;u esa izxfr dh iwjh tkudkjh j[kus ds mn~ns'; ls fuEukafdr jiV&izs"k.k dk fu/kkZj.k fd;k x;k gS%

¼d½ m|e iwath lgk;rk ¼chlh,½@ifj;kstuk fodkl lgk;rk ¼ihMh,½ ds mi;ksx dh fjiksVZ

tc Hkh ,l,Q,lh ls izkIr ohlh,@ihMh, ds fy, jkf'k ds laca/k esa dksbZ Hkqxrku fd;k tk,xk] vfèklwfpr foÙkh; laLFkk ,sls forj.k ds ckjs esa lwfpr djsxkA m|e iwath ds laca/k esa] dks"kksa ds mi;ksx dh fjiksVZ ds lkFk] ifj;kstuk dk;kZUo; esa izxfr ij Hkh ,d çfrosnu ,l,Q,lh dks Hksth tk,xhA ifj;kstuk ds laiw.kZ dk;kZUo;u rFkk okf.kfT;d izpkyu izkjaHk gks tkus rd blh izdkj dk ,l,Q,lh dks vkof/kd jiV&izs"k.k tkjh jgsxkA ihMh, ds laca/k esa] ;fn Mhihvkj dh tkap ds ckn vfèklwfpr foÙkh; laLFkk ;g fu.kZ; ysrh gS fd ifj;kstuk vO;ogk;Z gksus ds dkj.k lkofèkd _.k dh LohÑfr u nh tk, rks blds ckjs esa vfèklwfpr foÙkh; laLFkk çfrosnu HkstsxhA

¼[k½ lgk;rk izkIr bdkbZ;ksa ds dk;Zdykiksa ij fjiksVZ vfèklwfpr foÙkh; laLFkk m|e iwath ds vUrxZr vius }kjk foÙk iksf"kr bdkbZ;ksa ds dk;Zdykiksa ij

Nekgh vk/kkj ij ,l,Q,lh dh fjiksVZ Hkstsxh ftlesa ;g n'kkZ;k tk,xk fd D;k iwoZ&fuèkkZfjr ;kstukuqlkj izpkyu py jgs gSa ;k ugha rFkk D;k _.knkrk Ñf"k vknk;xh dh izfrc)rk ds vuqlkj Hkqxrku dj jgs gSa ;k ughaA

¼x½ vioknksa dh lwpuk nsuk

,l,Q,lh dks ifj;kstuk ds izpkyu blds fØ;kUou ds laca/k esa fdlh Hkh egRoiw.kZ ?kVuk rFkk bldh lwpuk esa ikbZ xbZ fdlh vlarks"ktud igyw ds ckjs esa Hkh voxr djkrs jgsaxsA vfèklwfpr foÙkh; laLFkk bdkb;ksa dh vlQyrk ;k dtZnkjksa }kjk viuh foÙkh; izfrc)rk dks iwjk djus esa foQyrk dh fLFkfr esa vfèklwfpr foÙkh; laLFkk }kjk mBk, x, olwyh ds fdlh Hkh dne ds ckjs esa ,l,Q,lh dks lwfpr djrh jgsxhA

¼?k½ ifj;kstuk ls tqM+h lwpuk

cSad mi;qZDr ekud fjiksfVZax ds vfrfjDr ,l,Q,lh dks le;≤ ij mlds }kjk ekaxs tkus ij fdlh ifj;kstuk ds ckjs esa okafNr lwpuk çnku djrh jgsxhA


12. PartIes notIfIcatIonEach of the parties hereto shall promptly inform the other of any of the following events:

(a) Any event of which such party becomes aware which, in the opinion of the party, is likely to interfere materially with, or seriously hinder or impair; the implementation of the project, or to interfere adversely and materially with the performance by:

(i) The borrower of its obligation under the Facility Agreement with such party.

(ii) The guarantor of its obligation under the guarantee given in favor of such party.

(b) Any notice given by the borrower to prepay the whole or any part of the loan disbursed pursuant to the Agreement with such party and any amount thereof actually prepaid.

(c) In certain circumstances it might become necessary for the Notified Financial Institution to call up the loan and initiate recovery proceeding against the borrower and guarantors if any. The Notified Financial Institution would take all such measures required to protect its interest as well as that of SFAC. While, it may not be considered prudent to consult SFAC before taking such action, SFAC will be informed of the action taken by the Notified Financial Institution at the earliest.

13. wrItten consent PrIor to amendmentSFAC and Notified Financial Institution shall not agree to any amendment that will affect the right or responsibilities of the other with regard to disbursement or procurement or that may affect the right to recover the money advanced as per the original authorization schedule without the prior written consent of the other.

14. PartIes IndePendent decIsIonsExcept as otherwise provided in this MOU, each party agrees that all its decisions, including decision to take or refrain from taking action concerning the project or a loan agreement to which it is a party, shall be based exclusively on its own judgment, independently of the information provided by, or excepted from, the other party or the views expressed by such other part.


12- i{kksa dh vf/klwpuknksuksa gh i{k fuEukafdr fLFkfr;ksa esa rRdky ,d nwljs dks lwfpr djsaxs%

¼d½ ,slh dksbZ Hkh ?kVuk ftlds ckjs esa fdlh Hkh i{k dks irk pyk gks fd ml i{k ds utfj, esa ;g ifj;kstuk ds dk;kZUo;u esa HkkSfrd :i ls gLr{ksi dj ldrh gS] ;k xaHkhj :i ls :dkoV ;k gkfu igq¡pk ldrh gS vFkok fuEukafdr ds dk;Zfu"iknu ij foijhr vkSj okLrfod vlj Mky ldrh gS%(i) ml i{k ds lkFk gq, lqfo/kk djkj ds v/khu of.kZr _.k izkIrdÙkkZ dh ftEesnkjhA(ii) ml ikVhZ ds i{k eas nh xbZ xkjaVh esa n'kkZbZ xbZ xkajVhdÙkkZ dh ftEesnkjhA

¼[k½ fdlh i{k ds lkFk gq, djkj }kjk fn, x, _.k ds laiw.kZ Hkkx ;k va'k ds iwoZ Hkqxrku ds ckjs esa _.k izkIrdÙkkZ }kjk nh xbZ lwpuk rFkk rn~uqlkj iwoZ Hkqxrku dh xbZ jkf'kA

¼x½ dqN fuf'pr ifjfLFkfr;ksa esa] vfèklwfpr foÙkh; laLFkk ds fy, ;g vfuok;Z gks ldrk gS fd og _.k okil ys ysa rFkk _.knkrk o xkjaVhdÙkkZ] ;fn gks rks] ds fo:) olwyh dh dk;Zokgh izkjaHk djsaA vfèklwfpr foÙkh; laLFkk vius rFkk ,l,Q,lh nksuksa gh i{kksa ds fgrksa dh j{kk djus ds fy, dne mBk ldrh gSA ;nfi dksbZ dne mBkus ds iwoZ ,l,Q,lh ls e'kfojk fy, tkus dh t:jr ugha gS rFkkfi cSad }kjk mBk, x, dneksa ds laca/k esa ,l,Q,lh dks ;Fkk'kh?kz lwfpr fd;k tk,xk A

13- la'kks/ku ls iwoZ fyf[kr lgefr,l,Q,lh rFkk vfèklwfpr foÙkh; laLFkk ,d nwljs ls fyf[kr lgefr izkIr fd, fcuk] ,sls fdlh Hkh la'kksèku tks fdlh Hkh ,d i{k ds vf/kdkjksa o mÙkjnkf;Roksa ij izHkko Mkyrk gks vFkok tks ewy vf/kÑr rkfydk ds vuqlkj vfxze jkf'k dh olwyh ds vf/kdkj dks izHkkfor djrk gS] dks Lohdkj ugha djsaxsA

14- nyksa ¼ikfVZ;ksa½ ds Lora= fu.kZ;bl le>kSrs ds Kkiu ¼,evks;w½ esa ;fn vU;Fkk mfYyf[kr u gks rks izR;sd i{k bl ckr ls lger gS fd blds lHkh fu.kZ;] ftlesa ifj;kstuk ls lacaf/kr fu.kZ; vFkok ,d _.k djkj ftlesa ;g ,d ny ¼ikVhZ½ gS ij dkjZokbZ djus ;k mls ugha djus dk fu.kZ; Hkh lfEefyr gS] blds vius foosd ij vkèkkfjr gksxk tks vU; i{k }kjk iznÙk ;k mlls visf{kr lwpuk ;k vU; i{k }kjk vfHkO;Dr n`f"Vdks.k ls Lora= gksxkA


15. arbItratIon In any case of dispute, if any, arising out of this MOU may be resolved through mutual consultation failing which it may be done by way of arbitration by a sole arbitrator chosen by the Notified Financial Institution and SFAC as per arbitration and conciliation Act, 1996 and venue of the Arbitration will be New Delhi.

16. channel of communIcatIon and notIces(a) For the purpose of this MOU, the representative of the parties shall be:

i. For SFAC : Managing Director

ii. For the Notified Financial Institution: Chief General Manager/ General Manager Agribusiness Group/ Priority Sector (to be indicated by the Notified Financial Institution)

(b) Either party may, by notice in writing to the other party, designate additional representative/s or substitute other representative/s for those designated in this Article.

(c) Any notice or other communication under MOU shall be in writing and shall be deemed to have been duly given or made when it has been delivered by hand, mail, e-mail, cable or tele fax, as the case may be, by either party to the other at the appropriate address specified below or such other address as either party may hereafter notify in writing to the other party:

for sfac: mailing address: NCUI Auditorium, Vth Floor, August Kranti Marg, Hauz Khas, New Delhi.

Telephone:_________________ Fax:________________ E-mail:_________________________

For the Notified Financial Institution Mailing Address: __________________________________

Telephone: _________________ Fax: _______________ E-mail: _______________________


15- iap&fu.kZ;bl le>kSrk Kkiu ls mBs fdlh fookn dh fLFkfr esa] ijLij ckrphr ls lqy>k, tk ldsaxsA blesa foQy gksus ij] e/;LFkrk rFkk le>kSrk vf/kfu;e] 1996 ds vuqlkj vfèklwfpr foÙkh; laLFkk ,oa ,l,Q,lh }kjk p;fur ,dek= e/;LFk }kjk e/;LFkrk ds ek/;e ls fookn lqy>k, tk,axs rFkk e/;LFkrk dk LFkku fnYyh gksxkA

16- lapkj vkSj lwpukvksa dh ç.kkyh¼d½ bl le>kSrk Kkiu ds mn~ns'; gsrq fuEukafdr i{kksa ds izfrfuf/k gksaxs%

(i) ,l,Q,lh ds fy, % izca/k funs'kd

(ii) vfèklwfpr foÙkh; laLFkk ds fy, % eq[; egkizca/kd@egkizca/kd Ñf"k O;kikj lewg@izkFkfedrk {ks= ¼vfèklwfpr foÙkh; laLFkk }kjk crk;k tkuk gSA½

¼[k½ dksbZ Hkh i{k bl /kkjk esa euksuhr fd, tkus ds fy,] vU; i{k dks fyf[kr lwpuk nsrs gq,] vfrfjDr izfrfuf/k;ksa ;k vU; oSdfYid izfrfuf/k;ksa dks inukfer dj ldrk gSA

¼x½ le>kSrk Kkiu ds vUrxZr dksbZ lwpuk vFkok lans'k fyf[kr esa gksxk rFkk ;g fof/kor~ fn;k gqvk ekuk tk,xk ;k O;fDrxr :i ls fn, tkus ij bls fn;k gqvk le>k tk,xkA esy] bZ&esy] dsoy] ;k Vsyh QSDl] tSlh Hkh ekeyk gks] fdlh Hkh i{k ds }kjk fuEuor~ fofuZ"V mfpr irs ij] tSlk fd vU; i{k dks fyf[kr esa lwfpr fd;k x;k gks] Hksts tk,axs%

,l,Q,lh ds fy,% Mkd irk% ,ulh;wvkbZ lHkkxkj] ikapoka ry] vxLr ØkfUr ekxZ] gkSt [kkl] ubZ fnYyhA

VsyhQksu%------------------------------ QSDl%-------------------------------bZ&esy%-----------------------------------------------

vfèklwfpr foÙkh; laLFkk ds fy, Mkd irk%-----------------------------------------------------------------

VsyhQksu%---------------------------------QSDl%------------------------------bZ&esy%-----------------------------------------------


17. fInal ProvIsIons1. The Memorandum of Understanding (MOU) shall come into force upon its signature by

the authorized representatives of the parties hereto and far a term of 10 years.

2. The parties to this MOU shall before expiry of its term review the result achieved under this MOU and consult with each other with a view to deciding whether to extend the term of this MOU. Any extension of the term of this MOU, as aforesaid, may be affected through a simple exchange of letters between the parties.

3. The parties of this MOU may amend any of the provisions of this MOU or enter into supplementary arrangements designed to extend the scope of the present MOU.

4. Either party may terminate this MOU by giving not less than six (6) months advance notice, in writing, to the other party; provided that such termination shall become effective only on the date specified in the termination notice, and provided further that termination as aforesaid shall not, unless that parties otherwise agree, effect any non-cancelable commitments entered into under this MOU with a third party prior to the date of the termination notice. In the event of termination by either party, both parties shall co-operate to ensure that all arrangements made hereunder are settled in an orderly manner. In the event of the agreement being terminated the amount already sanctioned and released to the Notified Financial Institution will continue to be operated by the Notified Financial Institution as if this agreement was still operative.

The focal points/contact persons under this MOU will be_____________________________ on

the _____________ in New Delhi.

ForNotifiedFinancialInstitution ForSmallFarmers’AgribusinessConsortiumCEO of the Notified Financial Institution Managing DirectorAddress: Address:

Witness:(Name & Address)


17- vafre izko/kku1- le>kSrk Kkiu i{kksa ds vf/kÑr izfrfuf/k;ksa }kjk gLrk{kj fd, tkus ij izHkkoh gks tk,xk rFkk

10 o"kZ dh vof/k ds fy, izHkkoh gksxkA

2- bl le>kSrk Kkiu ds lHkh i{k bldh vof/k lekfIr ls iwoZ blds vUrxZr izkIr ifj.kkeksa dh leh{kk djsaxs rFkk blds fu.kZ; gsrq ijLij fopkj&foe'kZ djsaxs fd D;k le>kSrk Kkiu dh vof/k c<+kbZ tk, ;k ughaA

3- bl le>kSrk Kkiu ds lHkh i{k] le>kSrk Kkiu ds fdlh Hkh izko/kku dks la'kksf/kr dj ldrs gSa rFkk orZeku le>kSrk Kkiu ds {ks= dks c<+kus ds fy, rS;kj dh x;h iwjd O;oLFkkvksa dk izkoèkku dj ldrs gSaA

4- dksbZ Hkh i{k] nwljs i{k dks fyf[kr esa de ls de 6 ekg iwoZ lwfpr djrs gq, bl le>kSrk Kkiu dks jn~n dj ldrk gS] fdUrq ;g lekiu mlh fnu ls izHkkoh gksxk ftl frfFk ds ckjs esa lekiu lwpuk esa fufnZ"V fd;k x;k gks] rFkk ;g Hkh fd tc rd nksuksa i{k izko/kku u djsa] vU;Fkk mijksDrkuqlkj lekiu ls lekiu lwpuk dh rkjh[k ds iwoZ bl le>kSrk Kkiu ds rgr fdlh rhljs i{k ds lkFk dh xbZ dksbZ vLFkxuh; izfrc)rk izHkkfor ugha gksxhA fdlh i{k ds }kjk lekiu fd, tkus dh fLFkfr esa nksuksa i{k blds rgr dh xbZ O;oLFkkvksa dk mfpr jhfr ls fuiVkjk lqfuf'pr djus ds fy, lg;ksx djsaxsA le>kSrk lekIr dj fn, tkus dh fLFkfr esa vfèklwfpr foÙkh; laLFkk dks igys ls gh izko/kkfur vkSj iznÙk jkf'k dk vfèklwfpr foÙkh; laLFkk }kjk bl rjg ls izpkyu fd;k tkrk jgsxk tSls fd le>kSrk vc Hkh fØ;k'khy gksA

bl le>kSrk Kkiu ds vUrxZr eq[; dsUnz fcUnq@lEidZ O;fDr&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&gksaxsaA

,rn~ }kjk&&&&&&&&&&&&&&&&&&&dks ubZ fnYyh esa vius gLrk{kj djrs gSaA

vfèklwfpr foÙkh; laLFkk ds fy, y?kq Ñ"kd Ñf"k O;kikj la?k ds fy,vfèklwfpr foÙkh; laLFkk ds eq[; dk;Zdkjh vf/kdkjh izca/k funs'kdirk% irk%

xokg%¼uke o irk½


This agreement is executed on this…….. day of Two thousand and (…………....20...) between

M/s. ……………., a Company incorporated under the Indian Companies Act 1956, having its place of business/Registered Office at………………………, and factory/processing unit at……………, hereinafter called the “BORROWER” (which included his/her/its heirs, executors, administrations, successors and assignees) as first party & Small Farmers’ Agribusiness Consortium (SFAC), a Society registered under Societies Registration Act 1860, having its Registered Officer at NCUI Auditorium Building, 5th Floor, 3, Siri Institutional Area, August Kranti Marg, Hauz Khas, New Delhi-110016 hereinafter called “SFAC” (which includes their assignees, attorneys and successors in title) as Second Party.

Whereas the first party is setting up……………..….. and is in need of Venture Capital amount which will be deemed to be a loan after recovery of term loan of Leading Bank……….., hereinafter called the Bank (which includes its successor banks). The Venture Capital Assistance amount will be refundable prior to due date or on the scheduled end date of their term loan whichever is earlier. At the request of first party vide their application dated…….. received directly or through…………… SFAC has considered and sanctioned Venture Capital amount of `…… lakh (Rupees ………only) to the First party. The first party will refund the amount of Venture Capital granted by SFAC in lump sum on liquidation of Notified Financial Institution term loan as per original schedule of repayment, which is …………. as advised by Notified Financial Institution. The borrower will tender a post dated cheque dated ………. for the amount of Venture Capital Assistance amount for this purpose.

AND

Whereas in consideration of the above promises The First Party, ……………. offered as security by way of equitable/registered mortgage on agricultural land and appurtenants/building thereto as required by SFAC as per details given in Annexure A and will also hypothecate movable assets like plant & machinery/vehicles/equipment/raw materials. etc., as per details given in Annexure B,

AGREEMENT BETWEEN SFAC AND THE BORROWER


;g djkjukek fnukad --------------------- fnu ---------------- o"kZ ------------------ ¼20---------½ dks e/;

eSllZ --------------------------------------------------------------------------------------] Hkkjrh; dEiuh ,DV 1956 ds varxZr fuxfer ,d dEiuh ftldk O;kikfjd LFky@iathÑr dk;kZy; ---------------------------------------- vkSj fuekZ.k'[email protected] bdkbZ@-------------------------------esa gSa ftldks ;gka ij ß_.k izkIrdrkZÞ dgk x;k gS ¼ftlesa mldk@mldh@mldk okfjl] dk;Zdkjh] iz'kkld] mÙkjkf/kdkjh fu;r fd;k x;k vkfn lfEefyr gS½ izFke i{kdkj rFkk y?kq Ñ"kd Ñf"k O;kikj la?k ¼,l,Q,lh½ tks lfefr iath;u vfèkfu;e 1860 ds varxZr iathÑr ,d lfefr gS ftldk iathÑr dk;kZy;] ,ulh;wvkbZ ^lHkkxkj* Hkou 5oka ry] 3 lhjh baLVhV~;w'kuy ,fj;k] vxLr ØkfUr ekxZ] gkSt [kkl] ubZ fnYyh&110016 esa gS] ds e/; fu"ikfnr fd;k x;kA ;gka ij ß,l,Q,lhÞ ¼ftlesa mldk fu;rd vke eq[rkj@mÙkjkf/kdkjh vkfn lfEefyr gS½ f}rh; i{kdkj dgk x;k gSA

tcfd izFke ikVhZ -----------------------------------dh LFkkiuk dj jgh gS vkSj mls blds fy, m|e iwath jkf'k dh t:jr gS ftls _.knkrk cSad ds lkof/k _.k dh olwyh ds Ik'pkr _.k ds rkSj ij ekuk tk,xk ftls blds ckn ls cSad dgk tk,xk ¼ftlesa blds mÙkjkf/kdkjh cSad Hkh 'kkfey gSa½A m|e iwath lgk;rk jkf'k dks ns; frfFk ;k muds lkof/k _.k dh fu;r vafre rkjh[k ds igys okil djuk gksxkA izFke ikVhZ ds vkosnu fnukad---------------------------tks fd lh/ks ;k -------------------------ds ekQZr izkIr gqvk gS ds vuqjks/k ij ,l,Q,lh us bl ij fopkj fd;k rFkk izFke ikVhZ dks `-----------yk[k ¼:Ik, ----------------ek=½ m|e iwath jkf'k ds rkSj ij Lohd`r fd, gSaA izFke ikVhZ vfèklwfpr foÙkh; laLFkk ds }kjk nh xbZ lykg ds vuqlkj tks bl izdkj gS----------------------------------,l,Q,lh }kjk LohÑr m|e iwath dh jkf'k dks vfèklwfpr foÙkh; laLFkk ds lkof/k _.k dks iquHkqZxrku ds ewy le;&lkfj.kh vuqlkj ,d eq'r :Ik esa okil djsxkA _.kh bl mn~ns'; ds fy, m|e iwath lgk;rk dh jkf'k gsrq ,d iksLV MsVsM pSd fnukad-------------------------izLrqr djsxkA

rFkk

,slh voLFkk esa mijksDr oknksa ij fopkj djrs gq;s izFke i{k] Ñf"k Hkwfe rFkk vuqyXu oLrq@Hkou ij bfDoVh ;ksX;@iathÑr ca/kd ,l,Q,lh dh vko';drkuqlkj tSlk fd layXud&I esa fooj.k fn;k x;k gS] tekur ds :i esa nsxk rFkk pylEifÙk tSls dkj[kkuk@e'khusa@okgu@;a=@dPpk eky vkfn Hkh tSlk fd layXud&II esa

,l,Q,lh rFkk _.k izkIr drkZ ds chp djkjukek


and accepted by SFAC. The other terms and conditions as agreed upon between first party and SFAC are as follows:

1. The CEO of the Borrowing unit must be a professionally qualified person.

2. That the lending Notified Financial Institution will hold charge on the assets (movable/immovable) of the unit till full repayment of their term loan as per original prescribed schedule.

3. That the Venture Capital amount will automatically be deemed to be a loan from the date the Lending Bank has actually recovered its term loan or on the schedule end date of term loan, whichever is earlier. It may, however, be clarified that in the event of re-schedulement of the bank’s term loan, the entrepreneur is required to refund the Venture Capital amount as per the original prescribed schedule because Venture Capital amount of SFAC is interest free and financial assistance is to be given to other eligible entrepreneurs for setting up of agribusiness projects. However, if lending Notified Financial Institution make SFAC a party while discussing possibility of rescheduling banks term loan, SFAC may consider request of the borrower for rescheduling of VCA on case to case basis.

4. That Borrower has the option to refund the Venture Capital amount granted by SFAC even prior to the due date of repayment of Term Loan.

5. That the deemed loan of SFAC as referred to above will remain secured by creation of charge (mortgage & hypothecation) in favour of SFAC on the project assets previously held by the Lending Notified Financial Institution and till such times as the deemed loan and interest accrued thereon are entirely refunded to SFAC.

6. That the Borrower hereby undertakes to utilize the Venture Capital amount granted by SFAC for the purpose for which it was granted. In the event of diversion/misutilization, SFAC reserves the right to recall the entire amount of Venture Capital in lump sum.

7. That in case the Borrower is unable to repay the Venture Capital amount in lump sum immediately after repayment of Notified Financial Institutions Term Loan, it will have option to repay the entire amount of loan together with accrued amount of interest in 4 quarterly installments within a year. The rate of interest in this regard will be the same as charged by the lending bank on its term loan.

8. That the Borrower will also authorize the Lending Notified Financial Institution at the time of executing this agreement to debit their account, i.e. Cash Credit Account/Current Account No…… with………., after repayment of Notified Financial Institution term loan equivalent to the refundable amount or any other incidental expenses. The borrower also undertakes to ensure substantial balance in their account in order to facilitate the refund of SFAC’s loan and other incidental expenses. Alternatively, the borrower can directly refund the Venture Capital amount and other incidental expenses by means of demand draft drawn in favour of “Small Farmers’ agribusiness Consortium” payable at New Delhi.

9. The borrower fully understands and acknowledges that the Venture Capital provided by SFAC is based upon appraisal note, sanction letter for the term loan by the Notified Financial Institution specifically on the terms and conditions and assets verified by the Notified Financial Institution as securities for the term loan and, therefore, expressly undertakes not to change the Notified Financial Institution indicated herein during the pendency of the SFAC’s Venture Capital. However, in exceptional cases one time change of bank is allowed by SFAC. The borrower also undertakes not to withdraw the securities from the Notified Financial Institution until and unless the Venture Capital amount is refunded to SFAC.


fooj.k fn;k x;k gS dks crkSj tekur nsxk o ,l,Q,lh lHkh dks mlh izdkj Lohdkj djsxhA vU; lhek;sa o 'krsZ izFke i{k rFkk ,l,Q,lh ds chp lgefr ij fuEu bl izdkj gS%

1- _.k ysus okyh laLFkk dk eq[; dk;Zdkjh vf/kdkjh O;olkf;d :i ls f'kf{kr O;fDr gksuk vko';d gSA

2- ;g fd m/kkj nsus okyh vfèklwfpr foÙkh; laLFkk izFke i{k dh lEifÙk ij rc rd vf/kdkj j[ksxh tc rd mlds vkof/kd _.k dk iwjk Hkqxrku nh xbZ ewy lwph ds vuqlkj ugha gks tkrkA

3- ;g fd m|e iwath lgk;rk ml rkjh[k ls Lor% gh _.k le>k tk;sxk ftl frfFk ij _.k nsus okyh cSad viuk vkof/kd _.k okLro esa olwy dj ysxh vFkok igys ls r; vfUre rkjh[k ij] buesa tks Hkh igys gks rFkkfi ;g Li"V dj nsuk t:jh gS fd cSad ds lkof/kd _.k esa le; laca/kh Qsjcny dh fLFkfr esa] m|eh dks m|e iwath jkf'k dh okilh iwoZfu/kkZfjr le; ;kstuk ds vuqlkj gh djuh gksxh D;ksafd ,l,Q,lh iznÙk m|e iwath jkf'k C;kt eqDr gksrh gS rFkk vU; ubZ m|fe;ksa dks Hkh Ñf"k O;kikj ifj;kstukvksa dh LFkkiuk gsrq foÙkh; lgk;rk fn, tkus dh vko';drk gksrh gSA rFkkfi] ;fn _.knkrk vfèklwfpr foÙkh; laLFkk cSad ds lkof/k _.k dh le;&lkfj.kh esa ifjorZu dh laHkkouk ij fopkj foe'kZ ds fy, ,l,Q,lh dks ,d i{k cukrh gSa rks ,slh fLFkfr esa ,l,Q,lh izR;sd ekeys esa ohlh, dh le;&lkfj.kh esa ifjorZu ds fy, _.kh ;k dtZnkj ds vuqjks/k ij fopkj dj ldrh gSA

4- ;g fd _.k ysus okyk ¼_.kh½ vkof/kd _.k okilh ds fuf'pr rkjh[k ls igys Hkh ,l,Q,lh }kjk iznÙk fgLlk jkf'k okil djus dk vf/kdkj j[krk gSA

5- ;g fd mijksDrkuqlkj ,l,Q,lh dk ekuk x;k _.k ,l,Q,lh ds i{k esa ifj;kstuk laifÙk;ksa dk izHkkj l`tu ¼ca/ku ,oa fxjoh½ ds ek/;e ls lajf{kr jgsxk tks fd igys _.knkrk vfèklwfpr foÙkh; laLFkk ds v/khu Fkk rFkk rc rd lajf{kr jgsxk tcrd fd ,l,Q,lh dks ekus x, _.k dh jkf'k rFkk mlij mn~Hkwr C;kt iwjh rjg okil ugha dj fn;k tkrk gSA

6- ;g fd _.k ysus okyk] m|e iwwath jkf'k tks ,l,Q,lh }kjk nh xbZ gS dk mi;ksx ml mn~ns'; ds fy;s djus dks ,rn~}kjk opuc) gS ftldh vuqefr nh xbZ FkhA _.k ds vU; en esa [kpZ djus@xyr mi;ksx djus dh n'kk esa] ,l,Q,lh dks m|e iawth lgk;rk dh dqy /kujkf'k ,d eq'r okil ysus dk vf/kdkj lqjf{kr gSA

7- ;g fd ;fn m/kkj ysus okyk izFke i{k] cSad ds vkof/kd _.k okilh ds ckn] m|e iwath dh /kujkf'k rqjar ,deq'r okil djus esa v{ke jgrk gS rks C;kt ls c<+h gqbZ /kujkf'k ds lkFk lEiw.kZ _.k ,d o"kZ ds vUnj 4 fdLrksa esa Hkqxrku dk fodYi gksxkA bl n'kk esa C;kt nj m/kkj nsus okyh cSd }kjk bl lkof/kd _.k ij yxkbZ xbZ nj ds leku gksxhA

8- bl dkjukes dks djrs le; _.k ysus okyk _.k nkrk cSad dks vfèklwfpr foÙkh; laLFkk ds lkof/kd _.k ds Hkqxrku ds ckn okil ykSVkbZ tkus okyh /kujkf'k vkSj vU; ifjfLFkfrtU; O;; ds lerqY; jkf'k dh dVkSrh ------------------- esa uxn tek [kkrk@pkyw [kkrk la- ---------------------- ls djus ds fy, izkf/kÑr djsxk A _.k ysus okyk ,l,Q,lh iznÙk _.k vkSj vU; ifjfLFkfrtU; O;; dh izfriwfrZ laHko cukus ds mn~ns'; ls vius [kkrs i;kZIr 'ks"k lqfuf'pr djus ds fy, opuc) gSA fodYir% _.k izkIrdÙkkZ m|e iwath jkf'k vkSj vU; ifjfLFkfrtU; O;;ksa dh izfriwfrZ ßy?kq Ñ"kd Ñf"k O;kikj la?kÞ ds i{k esa ßubZ fnYyhÞ ij ns; cSad Mªk¶V ds ek/;e ls lh/ks dj ldrk gSA

9- _.k izkIrdÙkkZ iwjh rjg ls le>rk vkSj Lohdkj djrk gS fd ,l,Q,lh }kjk iznÙk m|e iwath vfèklwfpr foÙkh; laLFkk }kjk fn, x, ewY;kadu fVIi.kh gsrq fo'ks"krkSj ij fu;eksa ,oa 'krks± ds v/khu lkof/kd _.k gsrq vuqeksnu i= rFkk lkof/kd _.k ds fy, izfrHkwfr ;ksX; ifjlaifÙk;ksa dk vfèklwfpr foÙkh; laLFkk }kjk lR;kiu ij vk/kkfjr gS vkSj blhfy, izdV rkSj ij ftEesnkjh ysrk gS fd ,l,Q,lh ds m|e


10. That the Borrower hereby declares and confirms that the status of the securities and their possession, maintenance, coverage of insurance etc. will remain in force, as was the case with in the lending Notified Financial Institution.

11. That the Borrower must submit their audited Balance Sheet/Financial Statement along with a confirmatory letter every year (i.e. Balance sheet date) about the outstanding amount of Venture Capital in their book which is refundable after repayment of the Notified Financial Institution term loan.

12. That as per objectives of SFAC, small farmers are to be ultimate beneficiaries of the Venture Capital scheme. Therefore, it will be obligatory on the part of the first party to ensure establishment of backward linkages with the farmers and in the event of failure to have such linkages with the farmers, SFAC may cancel the loan arrangement and ask first party to refund the entire amount of Venture Capital in lump sum within a period of one month after receipt of such decision from SFAC.

13. That the Borrower agree and undertake that a suitable provision equivalent to proportionate refundable amount will be made every year and invest the same in liquid assets in order to facilitate refund of amount of Venture Capital to SFAC in lump sum.

14. Further, the Borrower also undertake to follow the under noted terms and conditions:

(i) To pay all taxes, rents etc. regularly and in the time in order to keep the hypothecated and mortgaged assets free from distress, attachment, sale, etc.

(ii) Not to create any charge by way of mortgage, pledge, hypothecation, sell or dispose off in any manner the movable/immovable properties referred to in the Annexures.

(iii) To keep SFAC indemnified at all times for the losses caused to it on account of negligence of Borrower.

(iv) To execute any other document or furnish information as and when required by SFAC.

(v) To ensure that after the repayment of the term loan, the beneficiary will continue to comprehensively ensure the movable and immovable assets being charged to SFAC with SFAC Clause and hand over the same to SFAC till refund of the amount of Venture Capital amount.

(vi) In the event of any incident, the Borrower shall file the claim with the respective insurance company and keep SFAC posted about the receipt of claim amount and damages etc.

(vii) The Borrower undertake to ensure that the permits, licenses are renewed timely and kept intact.

15. That in the event of the Borrower failing to pay the balance or any other money due to the SFAC by virtue of this agreement or if for any reason the SFAC thinks that its interest is in jeopardy, the SFAC reserves the right to dispose of all the securities either hypothecated or mortgaged in order to recover its dues without intervention of Court.

16. That the Officers or nominees of the SFAC, shall have free access to business premises in order to ascertain the actual status of the securities hypothecated/mortgaged assets to the lending Notified Financial Institution/SFAC and to take possession if warranted for the purpose of acquiring/selling of any of the hypothecated/mortgaged assets by public auction without


iwath ds yafcr gksus ds nkSjku mlds }kjk ;gka mfYyf[kr vfèklwfpr foÙkh; laLFkk cnyk ugha tk,xk A rFkkfi] fo'ks"k ekeyksa esa ,l,Q,lh }kjk flQZ ,d ckj cSad cnyus dh vuqefr nh tk ldrh gSA _.k izkIrdÙkkZ blds fy, Hkh opuc) gS fd tcrd ,l,Q,lh dks m|e iwath jkf'k okil ugha dj nh tkrh gS rc rd vfèklwfpr foÙkh; laLFkk ls viuh izfrHkwfr;ka okil ugha ysxk A

10- ;g fd _.k izkIrdrkZ ,rn~~}kjk ?kks"k.kk rFkk izekf.kr djrk gS fd vkjf{kr jkf'k dh oLrq fLFkfr rFkk mudh lEifÙk] thfodk] chek vkPNkfnr vkfn ij Hkh ogh jgsxk tSlk m/kkj nsus okyh vfèklwfpr foÙkh; laLFkk ds lkFk gqvk FkkA

11- ;g fd _.k izkIrdrkZ izR;sd o"kZ ¼rqyu&i= frfFk½ ,l,Q,lh dks okf"kZd vads{k.k] foÙkh; izfrosnu ds lkFk mlds [kkrs esa m|e iwath dh cdk;k jkf'k ds laca/k esa iqf"Vdkjh i= izLrqr djsxk tks fd vfèklwfpr foÙkh; laLFkk ds lkof/kd _.k Hkqxrku ds ckn ykSVk;k tkuk gSA

12- ;g fd ,l,Q,lh ds mn~ns';ksa ds vuqlkj] m|e iwath ;kstuk ds vafre ykHkkFkhZ y?kq Ñ"kd gS blfy;s izFke i{k dks ;g vko';d gksxk fd fdlkuksa ls fupys Lrj rd lEcU/k LFkkfir djuk lqfuf'pr gks rFkk fdlku ls lEcU/k LFkkfir djus esa vlQy jgus dh n'kk esa] ,l,Q,lh viuk djkjukek fujLr dj ldrh gS rFkk ,l,Q,lh ds bl fu.kZ; ds ,d ekg ds vanj m|e iawth dh lEiw.kZ /ku jkf'k dks ,deq'r izFke i{k ls okil fy;k tk;sxkA

13- ;g fd _.k izkIr drkZ lger gS rFkk opu nsrk gS fd izR;sd o"kZ okilh ;ksX; /kujkf'k dh vkuqikfrd ek=k ds cjkcj mi;qDr izko/kku fd, tk;saxs rFkk mn~;e iwath dh /kujkf'k dks ,deq'r ,l,Q,lh dks okil djus ds fy;s bldk rjy ifjlaifÙk;ksa esa fuos'k fd;k tk,xk A

14- vkxs] _.k izkIrdrkZ fuEufyf[kr fu;e rFkk 'krksZa dks Hkh ekuus dk opu nsrk gS%

(i) n`f"Vcaèkd ifjlEifÙk;ksa rFkk ca/kd ifjlEifÙk;ka tks vkifÙk jfgr] dqdhZ rFkk fcØh vkfn ls eqDr gks dh lqj{kk ds fy;s leLr dj] ¼VSDl½ fdjk;s vkfn fu;fer rFkk le; ls Hkqxrku djsxkA

(ii) layXudksa esa lanfHkZr py@vpy lEifÙk ij fdlh Hkh izdkj dk ca/kd@fxjoh] n`f"Vcaèkd] fcØh vFkok fuiVku ds :i esa og dksbZ vf/kHkkj l`tu ugha gksxkA

(iii) _.k izkIrdrkZ dh Hkwy&pwd ds dkj.k gksus okyh gkfu;ksa ds fy, ,l,Q,lh gj le; {kfriwfrZ ¼gtkZuk½ j[ksxhA

(iv) izFke i{k }kjk ,slk dksbZ vU; nLrkost dk fu"iknu vFkok lwpuk;sa] tks Hkh rFkk tc Hkh ,l,Q,lh dh vko';drk gks nsuh gksxh A

(v) ;g lqfuf'pr djus ds fy, fd lkof/kd _.k ds Hkqxrku ds i'pkr ykHkkFkhZ ,l,Q,lh Dykt lfgr mls izHkkfjr py ,oa vpy laifRr;ksa dh lqfuf'prrk dks tkjh j[ksxk rFkk mUgsa m|e iwath lgk;rk dh jkf'k dh olwyh rd ,l,Q,lh dks lkSisaxkA

(vi) fdlh Hkh nq?kZVuk dh fLFkfr esa] _.k izkIr drkZ] lacaf/kr chek dEiuh ij nkok nkf[ky djsxh rFkk nkok dh xbZ /kujkf'k dh izkfIr ,oa {kfr ds ckjs esa ,l,Q,lh dks lwfpr djsxkA

(vii) _.k izkIr drkZ ;g Hkh opu nsxk] fd vuqKIr] vuqKk ¼ykblsal½ dk uohuhdj.k le; ls gksxk rFkk lqjf{kr j[kk tk;sxkA

15- ;g fd bl djkjukes ds vk/kkj ij ,l,Q,lh dh 'ks"k /kujkf'k ;k vU; _.k jkf'k dks _.k izkIrdrkZ }kjk vnk djus esa vlQy gksus dh n'kk esa vFkok ;fn ,l,Q,lh dks yxrk gS fd vU; dksbZ dkj.k ls mldk fgr [krjs esa gS] rks ,l,Q,lh dk ;g vf/kdkj lqjf{kr gS fd og leLr tekursa pkgs og n`f"Vca/kd gks ;k cU/kd] dk fuiVku djds vius _.k dks olwy djsaA

16- ;g fd ,l,Q,lh dk vf/kdkjh] ukfer O;fDr dh O;kolkf;d ifjlj esa csjksdVksd igaqp gksxh rkfd _.knkrk vfèklwfpr foÙkh; laLFkk ds ikl tekur@fxjoh ds :i esa j[kh xbZ laifÙk;ksa dh okLrfod fLFkfr


intervention of Court and appropriate the net proceed towards liquidation of all sums due from the Borrower. The Borrower hereby agrees to accept that on account of any such sale realization and in case of shortfall, undertake to pay such further balance as may be due from the Borrower forthwith. Any cost incurred by SFAC for realization of its money by sale of hypothecated and mortgaged assets will be added to the outstanding liability of loan amount of SFAC and will be recoverable from Borrower.

17. The borrower also understands and agrees not to neglect or refuse any of the obligation towards furnishing documents required for monitoring the progress of the project, change of Notified Financial Institution or otherwise shifting the location and the assets acquired for the projects and more particularly towards repayment of the amount of Venture Capital, SFAC will proceed to recover the amount due as if it were an arrears of land revenue.

18. That the Borrower hereby declares that the contents of this agreement have been read and understood by him and he will abide by the terms and conditions of this agreement.

19. That the Borrower shall not remove or dismantle any of the goods/assets as mentioned in Annexures without the written consent of the SFAC.

That in the event of any dispute arising between the parties only Delhi Courts have jurisdiction to try, entertain and decide the said matter.

In Witness of above both parties have executed this agreement on this….. day of ….. Two Thousand ..................... (…….201..).

for and on behalf of sfac: borrower:

(……………..) (………………….)

(Name & Designation) (Name & Designation)

(……………..) (…………………..)

Witness Signature Witness Signature


dk vkdyu dj lds rFkk ;fn vf/kÑr gks rks U;k;ky; dh n[kyankth ds fcuk lkoZtfud uhykeh ds }kjk ldy izkfIr dks _.k izkIrdÙkkZ ds Åij leLr cdk;k ds fuiVkjk gsrq fofu;ksftr djus ds fy, Lora= gksaxsA _.k izkIrdÙkkZ ,rn~ }kjk Lohdkj djus ds fy, rS;kj gS fd bl izdkj fdlh fcØh }kjk olwyh ds dkj.k vkSj deh jg tkus dh fLFkfr esa blds i'pkr _.k izkIrdÙkkZ ds Åij tks cdk;k 'ks"k gksxk mldk Hkqxrku djus ds fy, cpuc) gSA tekurh ,oa ca/kd ifjlaifÙk;ksa dh fcØh }kjk vius /ku dh mxkgh esa ,l,Q,lh }kjk fd;k x;k [kpZ ,l,Q,lh ds dtZ jkf'k dh cdk;k ek=k esa tksM+k tk,xk rFkk _.k izkIrdÙkkZ ls olwy fd, tkus ;ksX; gksxk A

17- _.k izkIrdÙkkZ ;g Hkh le>rk gS vkSj blds fy, lger gS fd ifj;kstuk dh izxfr dh fuxjkuh gsrq vko';d] vfèklwfpr foÙkh; laLFkk esa ifjorZu ;k vofLFkfr ¼ifjlj½ dk vU;= LFkkukarj.k laca/kh rFkk ifj;kstuk gsrq vf/kxzghr ifjlaifÙk;ka laca/kh rFkk [kkl rkSj ij m|e iwath dh jkf'k dh okilh ls lacaf/kr nLrkostksa dks miyC/k djokus dh ftEesnkjh esa dksrkgh ugha cjrsxk ;k euk ugha djsxkA cdk;k jkf'k dh olwyh ,l,Q,lh bl izdkj djsxk tSls og Hkw&jktLo dk cdk;k gSA

18- ;g fd _.k izkIrdrkZ blds }kjk ?kks"k.kk djrk gS fd bl djkjukek ds fo"k;ksa dks mlus i<+ fy;k ,oa le> fy;k gS rFkk og bl djkjukesa dh 'krksZa dks ekusxkA

19- ;g fd _.k izkIr drkZ ,l,Q,lh dh fcuk fyf[kr lgefr ds dksbZ lkeku] lEifÙk;k¡ tks layXud esa mYYksf[kr gS dks ugha gVk;sxk vFkok cspsxkA

;g fd fofHkUu i{kksa ds chp fdlh fookn dh fLFkfr esa flQZ fnYyh fLFkr U;k;ky;ksa dks bls lquus] fopkj djus rFkk fu.kZ; nsus dk vf/kdkj gksxkA

lk{; gS] mijksDr nksuks a i{kks a us ;g djkjukek fnukad ------------------------- nks gtkj -------------------------------------¼-----201---½ dks fu"ikfnr fd;kA

,l,Q,lh gsrq vkSj mlds fy;s% _.k izkIr drkZ%

¼----------------------½ ¼-------------------------½

¼uke ,oa in½ ¼uke ,oa in½

¼---------------------½ ¼---------------------½

lk{kh ds gLrk{kj lk{kh ds gLrk{kj


sl. no. Particulars/extent nature of Property

location and boundaries

approximate value

SCHEDULE - AAnnexure - IFixed Assets


Øe la[;k

fooj.k@lhek lEifÙk dh çÑfr fLFkfr rFkk ifjlhek;sa

vuqekfur ewY;

vuqlwph &AlayXud &Ivpy lEifÙk;k¡


sl. no. Particulars/extent location and boundaries approximate value

SCHEDULE - B Annexure - IIMoveable Assets


vuqlwph & BlayXud &IIpy lEifÙk;k¡Øe la[;k

fooj.k@lhek fLFkfr rFkk ifjlhek;sa vuqekfur ewY;


form gfr 19 - a

(See Government of India’s Decision (1) below Rule 15)

FORM OF UTILIZATION CERTIFICATE

sl. no.

letter no. and date

amount Certified that out of the sum of `………… of Venture Capital assistance sanctioned during the year……… in favour of ………..under this Ministry/ Department letter No………given in the margin and …… on account of unspent balance of the previous year, a sum of …… has been utilized for the prupose of…….. for which it was sanctioned and that the balance of …… remaining unutilized at the end of the year has been surrendered to the Government (Vide No……… dated…….)/will be adjusted towards the Venture Capital assistance payable during the next year or utilized in the next financial year.

1.

2.

Total

Certified that I have satisfied myself that the conditions on which the Venture Capital assistance was sanctioned have been duly fulfilled/are being fulfilled and, that I have exercised the following checks to see that the money was actually utilized for the purpose for which it was sanctioned.

Kinds of checks exercised

1.

2.

3.

Signature…………………....………….

(Name)………………….....……………

Designation……………...........……….

(Office seal)…………….....……………

Verified and certified by

Chartered Accountant (with address and seal)


izi= th,Qvkj 19&,

¼Hkkjr ljdkj ds fu;e 15 fu.kZ; ¼1½ ds uhps ns[ksa½

mi;ksfxrk izek.k&i= dk çi=

Øe la[;k

i= la[;k o fnukad

jkf'k izekf.kr fd;k tkrk gS fd ekftZu esa n'kkZ, x, bl ea=ky;@foHkkx ds i=kad&&&&&&&&&&&&&&&&&&&ds vUrxZr&&&&&&&&&&&&&&&&&&&& ds i{k esa o"kZ&&&&&&&& ds nkSjku LohÑr m|e iwath lgk;rk dh LohÑr jkf'k dks&&&&&&&&&&&&&&&&&&ds mn~ns'; ls dke esa ys fy;k x;k gS ftlds fy, LohÑfr iznku dh x;h Fkh rFkk o"kZ ds var esa 'ks"k bLrseky u dh xbZ `&&&&&&&&&&&&&&&&&&&& dh jkf'k dks ljdkj dks ¼i=kad&&&&&&&&&&&&&&&&&&&&& fnukad&&&&&&&&&&&&&&&&&&ds }kjk½ okfil ns fn;k x;k gS] vkxkeh o"kZ ds nkSjku Hkqxrku ;ksX; m|e iwath lgk;rk ds vUrxZr lek;ksftr dj fn;k tk,xk vFkok vkxkeh foÙkh; o"kZ esa bLrseky dj fy;k tk,xkA

1-

2-

;ksx%

izekf.kr fd;k tkrk gS fd eSaus Loa; dks larq"V dj fy;k gS fd 'krsZ ftuds vk/kkj ij ohlh, LohÑr fd;k x;k Fkk] fof/kor~ iwjh dj nh x;h gSa@iwjh dh tk jgh gSa rFkk ftl mn~ns'; ds fy, iznku dh x;h Fkh ml mn~ns'; ds fy, jkf'k ds bLrseky djus dh tk¡p ds fy,] eSaus fuEukfyf[kr mik;ksa dk mi;ksx fd;k gSA

mi;ksx esa yk, x, mik;

1-

2-

3-

gLrk{kj--------------------------------------------------

¼uke½----------------------------------------------------

inuke----------------------------------------------------

¼dk;kZy; dh eksgj½---------------------------------

iqf"VdÙkkZ o izek.kdÙkkZ

pkVZMZ ,dkmaVsaV ¼irk o eksgj lfgr½

notes/fVIif.k;ka______________________________________________________________________________

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Operational Guidelines – Venture Capital Assistance Scheme for Agribusiness Development ,xzhfct+usl fodkl ds fy, m|e iwath lgk;rk ;kstuk & fn'kk funsZ'k52

y?kq Ñ"kd Ñf"k O;kikj la?k,u-lh-;w-vkbZ- vkWfMVksjhve fcfYMax] ikapok ry vxLr ØkfUr ekxZ] gkSt [kkl] ubZ fnYyh&110016 nwjHkk’k% 011&26862365] bZihch,Dl% 011&26966017] 26966037bZesy: [email protected] | osclkbV: www.sfacindia.com

Hkkjr ljdkjÑf"k ea=ky;¼Ñf"k ,oa lgdkfjrk foHkkx½

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,xhfctusl fodkl ds fy, e iwath lgk;rk ;kstuk VCA...2 Operational Guidelines – Venture Capital Assistance Scheme for Agribusiness Development,xzhfct+usl fodkl ds fy, m|e iwath lgk;rk